---
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"
generated_at: "2026-05-16T09:27:35.857693+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q2 net income up 20.5%; EPS $0.87 vs $0.73; loan growth 14.5% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-001503
- JSON: https://secwatch.observer/filing/0001437749-26-001503.json
- Plain text: https://secwatch.observer/filing/0001437749-26-001503.txt

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