---
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"
generated_at: "2026-10-21T15:17:05.344569+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Consumers Bancorp Q1 FY2027 net income $3.0M, up 15.3% YoY; EPS $0.96 vs $0.84

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-033076
- JSON: https://secwatch.observer/filing/0001437749-26-033076.json
- Plain text: https://secwatch.observer/filing/0001437749-26-033076.txt

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