---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-012779"
form_type: "8-K"
ticker: "CBKM"
cik: "0001006830"
company_name: "CONSUMERS BANCORP INC /OH/"
filed_at: "2026-04-20T23:59:59+00:00"
generated_at: "2026-05-15T05:16:06.869573+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q3 net income up 52% to $2.8M; EPS $0.90 vs $0.59; loan growth 14.9% annualized

## Summary
- Net income $2.8M for Q3 FY2026, up 52.2% YoY; EPS $0.90 vs $0.59.
- Net interest margin 3.53% vs 3.27% YoY; net interest income $10.1M, up 18.2%.
- Loan growth $90.6M (14.9% annualized) in 9 months; deposit growth $73.1M (9.4% annualized).
- Non-performing loans 0.06% of total; allowance for credit losses 0.98% vs 1.04% in June 2025.
- Book value per share $27.62 vs $24.25 at June 30, 2025, up $3.37.

## SEC filing metadata
- accession: 0001437749-26-012779
- form_type: 8-K
- ticker: CBKM
- cik: 0001006830
- company_name: CONSUMERS BANCORP INC /OH/
- filed_at: 2026-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1006830/000143774926012779/0001437749-26-012779-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774926012779/cbkm20260417_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-012779
- JSON: https://secwatch.observer/filing/0001437749-26-012779.json
- Plain text: https://secwatch.observer/filing/0001437749-26-012779.txt

## Key facts
- Earnings Releases
  CONSUMERS BANCORP INC /OH/ reported the three- and nine-month periods ended March 31, 2026 results: net income $2.8 million, EPS $0.90.
  - Period: the three- and nine-month periods ended March 31, 2026
  - Net income: $2.8 million
  - EPS: $0.90
  - Result: reported results
  source text: as of March 31, 2026 from $24.25 per share as of June 30, 2025. Minerva, Ohio — April 20, 2026 (OTCQX: CBKM) Consumers Bancorp, Inc. (Consumers) today reported net income of $2.8 million for the third quarter of fiscal year 2026, an increase of $966 thousand, or 52.2%, from the quarter ended March 31, 2025. Earnings per share for the third quarter of fiscal year
  evidence_url: https://www.sec.gov/Archives/edgar/data/1006830/000143774926012779/0001437749-26-012779-index.htm

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