secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMERS BANCORP INC /OH/ (CBKM)
CIK:        0001006830
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001437749-26-001503
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1006830/000143774926001503/0001437749-26-001503-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1006830/000143774926001503/cbkm20260119_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-001503

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer