{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-001503","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.389573+00:00","generated_at":"2026-05-16T09:27:35.857693+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Consumers Bancorp Q2 net income up 20.5%; EPS $0.87 vs $0.73; loan growth 14.5% annualized","bullets":["Net income $2.8M for Q2 FY2026, +20.5% YoY; diluted EPS $0.87 vs $0.73.","Year-to-date net income $5.4M, +19.1%; EPS $1.71 vs $1.45.","Net interest margin improved to 3.43% for Q2 from 3.02% a year ago; cost of funds declined to 2.27%.","Total loans grew $58.9M (annualized 14.5%) and deposits grew $52.2M (annualized 10.1%) in H1.","Non-performing loans only 0.07% excluding SBA guarantee; book value per share $27.39, up from $24.25 in June 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-001503","json":"https://secwatch.observer/filing/0001437749-26-001503.json","markdown":"https://secwatch.observer/filing/0001437749-26-001503.md","text":"https://secwatch.observer/filing/0001437749-26-001503.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774926001503/0001437749-26-001503-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774926001503/cbkm20260119_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:27:35.857693+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"}