---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-024757"
form_type: "8-K"
ticker: "CBKM"
cik: "0001006830"
company_name: "CONSUMERS BANCORP INC /OH/"
filed_at: "2026-07-29T12:56:59+00:00"
generated_at: "2026-07-29T13:00:28.308186+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q4 net income rises 29% to $3.0M; FY net income $11.2M, up 28.8%

## Summary
- Q4 net income $3.0M ($0.94 EPS) vs $2.3M ($0.73 EPS) in Q4 2025, up 29.0%.
- FY2026 net income $11.2M ($3.55 EPS) vs $8.7M ($2.77 EPS), up 28.8%.
- Net interest margin expanded to 3.45% for FY from 3.15% prior year; net interest income up 16.6%.
- Total loans grew 15.3% to $124.1M; non-performing loans only 0.07% of total loans.
- Book value per share increased 17.4% to $28.47; total assets $1.28B, up 9.9%.

## SEC filing metadata
- accession: 0001437749-26-024757
- form_type: 8-K
- ticker: CBKM
- cik: 0001006830
- company_name: CONSUMERS BANCORP INC /OH/
- filed_at: 2026-07-29T12:56:59+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/1006830/000143774926024757/0001437749-26-024757-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1006830/000143774926024757/cbkm20260728_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024757
- JSON: https://secwatch.observer/filing/0001437749-26-024757.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024757.txt

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