{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031207","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.500477+00:00","generated_at":"2026-05-17T03:20:43.636091+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Consumers Bancorp Q1 net income rises 17.8% YoY to $2.6M; EPS $0.84","bullets":["Net income $2.6M for quarter ended Sep 30, 2025, up 14.9% from prior quarter and 17.8% YoY. EPS $0.84 vs $0.73 prior quarter and $0.72 YoY.","Net interest income $9.5M, up 18.7% YoY; net interest margin 3.37% vs 2.92% a year ago.","Total loans grew $21.4M (annualized 10.5%) and deposits increased $32.8M (annualized 12.7%) in the quarter.","Non-performing loans at 0.08% of total loans (excluding SBA guarantee), net charge-offs 0.04%.","New Canton branch opened Sep 2025; Boardman office expected summer 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031207","json":"https://secwatch.observer/filing/0001437749-25-031207.json","markdown":"https://secwatch.observer/filing/0001437749-25-031207.md","text":"https://secwatch.observer/filing/0001437749-25-031207.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925031207/0001437749-25-031207-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774925031207/cbkm20251016_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:20:43.636091+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}