{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-033076","form_type":"8-K","ticker":"CBKM","cik":"0001006830","company_name":"CONSUMERS BANCORP INC /OH/","filed_at":"2026-10-21T15:16:07+00:00","discovered_at":"2026-10-21T15:17:00.156421+00:00","generated_at":"2026-10-21T15:17:05.344569+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Consumers Bancorp Q1 FY2027 net income $3.0M, up 15.3% YoY; EPS $0.96 vs $0.84","bullets":["Net income $3.0M (+15.3% YoY from $2.6M); EPS $0.96 vs $0.84 a year ago and $0.94 in the prior quarter ended June 30, 2026.","Net interest income $10.8M, up 12.9% YoY; net interest margin 3.52% vs 3.37% a year earlier; asset yield 5.25% and cost of funds 2.30%.","Loans grew $30.8M (13.2% annualized); deposits up $24.7M (8.8% annualized); new loans and commitments $117.1M, up 33.6% YoY.","Nonperforming loans 0.06% of total loans ($601K); annualized net charge-offs 0.01%; ACL 1.00% of loans; provision $425K vs $285K a year ago.","Other expenses rose 9.5% ($727K) on salaries, occupancy and software for branch growth; Jackson Township branch relocates Jan 2027, Boardman opens Q3 FY2027."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-033076","json":"https://secwatch.observer/filing/0001437749-26-033076.json","markdown":"https://secwatch.observer/filing/0001437749-26-033076.md","text":"https://secwatch.observer/filing/0001437749-26-033076.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1006830/000143774926033076/0001437749-26-033076-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1006830/000143774926033076/cbkm20261021_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T15:17:05.344569+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"}