---
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"
generated_at: "2026-05-17T03:20:43.636091+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q1 net income rises 17.8% YoY to $2.6M; EPS $0.84

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031207
- JSON: https://secwatch.observer/filing/0001437749-25-031207.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031207.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.