CONSUMERS BANCORP INC /OH/ (CBKM) Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricultural businesses, and small to medium-sized enterprises. The bank's financial products include a variety of deposit accounts. Its extensive lending portfolio features commercial loans for equipment, inventory, and accounts receivable, alongside commercial real estate financing for farmers, developers, owners of multi-family investment properties, and other commercial properties. Additionally, it offers residential real estate loans, covering one-to-four-family homes and home equity, as well as various consumer credit options like automobile loans, personal lines of credit, and unsecured personal loans. Beyond traditional banking, Consumers Bancorp, Inc. also strategically invests in securities, such as obligations from United States government-sponsored entities, municipal bonds, and mortgage-backed securities. As of June 30, 2021, the company maintained a network of 19 full-service branches and one dedicated loan production office. These operations span Carroll, Columbiana, Jefferson, Stark, Summit, Wayne, and adjacent counties within Ohio. Founded in 1965, the company maintains its corporate headquarters in Minerva, Ohio.
Sector: National Commercial Banks
Industry: Banks - Regional
Consumers Bancorp, Inc. OTC:CBKM Financial Services · Banks - Regional
Mkt Cap $100.7M
Div Yield 2.66%
Mkt Cap $100.7M
Div Yield 2.66%
All Press Release SEC Filings News
SEC Filing ⚠ 2
CBKM: 8-K · earnings release
Consumers Bancorp (OTCQX: CBKM) reported Q1 FY2027 net income of $3.0 million, or $0.96 per share, up 15.3% from $2.6 million ($0.84) a year ago.
Net interest income rose 12.9% YoY to $10.8 million with the net interest margin expanding to 3.52% from 3.37%, driven by higher asset yields. Total loans grew $30.8 million (13.2% annualized) and deposits rose $24.7 million (8.8% annualized), aided by the new Massillon and downtown Canton branch expansion.
Credit quality remains pristine with non-performing loans at just 0.06% of loans and annualized net charge-offs of 0.01%, while the company continues branch expansion in Belden Village and Mahoning County to support future growth.
SEC 8-K • 4d ago AI analysis › SEC Filing ⚠ 4
CBKM: DEF 14A · proxy statement
Consumers Bancorp filed its definitive proxy for a virtual annual meeting on October 29, 2026, where shareholders will vote to elect three Class II directors and ratify Plante & Moran, PLLC as independent auditor for the fiscal year ending June 30, 2027. Nominees Bradley Goris and Shawna L. L'Italien stand for three-year terms while Laurie L. McClellan is nominated for a term ending in 2028.
Chairman Frank L. Paden will retire at the meeting under the company's mandatory retirement age policy, leaving a board vacancy expected to be filled early in 2027. CEO Ralph J. Lober II's total compensation rose to $1,037,169 in fiscal 2026 from $801,716 a year earlier, with cash incentives tied to net income, efficiency ratio, delinquency, and loan and deposit growth targets that were largely met or exceeded.
Fiscal 2026 net income reached $11,164,000, up from $8,667,000 in fiscal 2025, alongside gross loans of $937,533,000 and total deposits and customer repurchase agreements of $1,139,442,000. Fourthstone LLC is the largest disclosed holder at 7.33% of the 3,156,730 shares outstanding, and directors and executive officers as a group own 12.66%.
SEC DEF 14A • 1mo ago SEC Filing ⚠ 5
CBKM: 10-K · periodic report
Consumers Bancorp (OTCQX: CBKM), the Minerva, Ohio holding company for Consumers National Bank, reported fiscal 2026 net income of $11.16 million, up 28.8% from $8.67 million a year earlier, with basic and diluted EPS of $3.55 versus $2.77.
Net interest income rose 16.6% to $39.78 million and net interest margin expanded to 3.40% from 3.14%, driven by an $89.5 million increase in average interest-earning assets and repricing of loans and securities. Total assets grew to $1.28 billion, total loans reached $937.5 million, and return on average equity improved to 13.11% from 12.05%.
The Bank remained well capitalized, raised its quarterly dividend to $0.21 per share ($0.84 declared for the year versus $0.76), and cut nonaccrual loans to $677 thousand from $930 thousand. Management intends to elect the community bank leverage ratio framework effective September 30, 2026.
The main watch item is the bond book: 331 of 404 available-for-sale securities sit in an unrealized loss position, the AFS portfolio's $257.6 million fair value trails its $280.2 million amortized cost, and accumulated other comprehensive income stands at a $17.86 million loss — though no credit loss allowance was deemed necessary.
SEC 10-K • 1mo ago AI analysis › News
Ohio's Consumers Bancorp Appears Undervalued After Wrapping Up Record Fiscal Year
seekingalpha.com • 2mo ago SEC Filing ● Major
CBKM: 8-K · earnings release
Consumers Bancorp reported net income of $3.0 million for the fourth quarter of fiscal 2026, an increase of 29.0% from the same period last year. For the full twelve months, net income rose 28.8% to $11.2 million, driven by a 16.6% increase in net interest income and a growing loan portfolio.
Total loans increased by 15.3% year-over-year to $937.5 million, while total deposits grew 8.1% to $1.12 billion. The bank's asset quality remained strong with non-performing loans comprising just 0.07% of total loans and net charge-offs limited to two basis points for the fiscal year.
Book value per share grew 17.4% to $28.47 as of June 30, 2026, and the company paid dividends of $0.84 per share over the twelve-month period. Management cited strong loan demand across commercial, residential, and personal categories for the performance.
SEC 8-K • 2mo ago AI analysis › SEC Filing
CBKM: 8-K · leadership change
Consumers Bancorp announced that Scott E. Dodds, Executive Vice President and Senior Loan Officer, departed his position effective June 26, 2026, due to a disability. Mr. Dodds had served in this role since joining the company in November 2013 and his departure was not due to any disagreement with the Board or management.
In connection with his departure, Mr. Dodds received a lump sum cash payment of $34,320, an advanced payout of paid time off totaling $10,730, and the acceleration of vesting of stock awards with a grant date fair value of $24,434.
SEC 8-K • 3mo ago AI analysis › Recent SEC filings with analysis 
