CBKM on OTC
CONSUMERS BANCORP INC /OH/
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Last updated Oct 16, 2026.
Overview
Compare with SOUTHERN FIRST BANCSHARES INC, Meridian Corporation or United Security Bancshares, or pick any stock.
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2026
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Debit Card brought in 55% of the revenue CONSUMERS BANCORP INC /OH/ broke down this way in fiscal 2026.
Products and services by year
| Products and services | 2025 | 2026 |
|---|---|---|
| Debit Card | $2.5M | $2.7M |
| Deposit Account | $1.7M | $1.8M |
| Financial Service, Other | $397.0K | $475.0K |
Where the money goes
Where each dollar of revenue went, fiscal 2026
- Income tax15¢$2.0M
- Profit85¢$11.2M
Out of $4.9M in revenue.2
Where each dollar of operating cash went, fiscal 2026
- Capital spending15¢$1.6M
- Dividends paid24¢$2.6M
- Kept or used elsewhere62¢$6.9M
Out of $11.2M of cash from operations.2
Financial statements
Every line of the income statement in the latest annual report, as filed.2
| Period ending | 2026-06-30 | 2025-06-30 |
|---|---|---|
| Loans, including fees | $50.5M | $43.8M |
| Securities, taxable | $6.5M | $6.7M |
| Securities, tax-exempt | $2.0M | $1.8M |
| Equity securities | $17.0K | $33.0K |
| Federal bank and other restricted stocks | $157.0K | $164.0K |
| Federal funds sold and interest-bearing deposits | $199.0K | $528.0K |
| Total interest and dividend income | $59.4M | $53.0M |
| Deposits | $19.1M | $18.4M |
| Short-term borrowings | $366.0K | $462.0K |
| Federal Home Loan Bank advances | $164.0K | $113.0K |
| Total interest expense | $19.6M | $18.9M |
| Net interest income | $39.8M | $34.1M |
| Provision for credit losses on loans | $990.0K | $1.1M |
| Provision for credit losses on unfunded commitments | $205.0K | $10.0K |
| Net interest income after provision for credit losses | $38.6M | $33.0M |
| Noninterest income (in scope of Topic 606) | $4.9M | $4.6M |
| Bank owned life insurance income | $477.0K | $391.0K |
| Mortgage banking activity | $521.0K | $400.0K |
| Securities losses, net | -$8.0K | $0 |
| Other | $633.0K | $439.0K |
| Total noninterest income | $6.1M | $5.5M |
| Salaries and employee benefits | $17.9M | $15.6M |
| Occupancy and equipment | $4.3M | $3.7M |
| Data processing expenses | $937.0K | $858.0K |
| Debit card processing expenses | $1.5M | $1.4M |
| Professional and director fees | $1.2M | $1.3M |
| Federal Deposit Insurance Corporation assessments | $831.0K | $772.0K |
| Financial institutions tax | $618.0K | $507.0K |
| Marketing and advertising | $900.0K | $821.0K |
| Loan and collection expenses | $215.0K | $209.0K |
| Telephone and communications | $340.0K | $324.0K |
| Amortization of intangible | $57.0K | $56.0K |
| Other | $2.7M | $2.5M |
| Total noninterest expenses | $31.5M | $28.1M |
| Income before income taxes | $13.2M | $10.3M |
| Income tax expense | $2.0M | $1.7M |
| Net income | $11.2M | $8.7M |
| Basic and diluted earnings per share (in dollars per share) | $3.55 | $2.77 |
Every line of the balance sheet in the latest annual report, as filed.2
| Period ending | 2026-06-30 | 2025-06-30 | 2024-06-30 |
|---|---|---|---|
| Cash on hand and noninterest-bearing deposits in financial institutions | $25.9M | $19.4M | |
| Federal funds sold and interest-bearing deposits in financial institutions | $384.0K | $531.0K | |
| Total cash and cash equivalents | $26.3M | $19.9M | |
| Securities, available-for-sale | $257.6M | $273.9M | |
| Securities, held-to-maturity (fair value in 2026 of $4,229 and 2025 of $5,026) | $4.3M | $5.2M | |
| Equity securities, at fair value | $0 | $392.0K | |
| Federal bank and other restricted stocks, at cost | $3.2M | $2.7M | |
| Loans held for sale | $1.1M | $814.0K | |
| Total loans | $937.5M | $813.5M | |
| Less allowance for credit losses | -$9.3M | -$8.5M | -$7.9M |
| Net loans | $928.3M | $805.0M | |
| Cash surrender value of life insurance | $15.7M | $13.3M | |
| Premises and equipment, net | $19.1M | $18.7M | |
| Goodwill | $2.5M | $2.5M | |
| Core deposit intangible, net | $244.0K | $301.0K | |
| Accrued interest receivable and other assets | $22.2M | $22.5M | |
| Total assets | $1.3B | $1.2B | |
| Noninterest-bearing demand | $246.8M | $239.7M | |
| Interest bearing demand | $157.0M | $153.6M | |
| Savings | $439.1M | $379.1M | |
| Time | $278.0M | $264.5M | |
| Total deposits | $1.1B | $1.0B | |
| Short-term borrowings | $29.2M | $15.5M | |
| Federal Home Loan Bank advances | $27.0M | $22.6M | |
| Accrued interest payable and other liabilities | $13.3M | $13.9M | |
| Total liabilities | $1.2B | $1.1B | |
| Preferred stock, no par value; 350,000 shares authorized | $0 | $0 | |
| Common shares, no par value; 8,500,000 shares authorized; 3,205,369 and 3,193,414 shares issued as of June 30, 2026 and June 30, 2025, respectively | $21.9M | $21.6M | |
| Retained earnings | $86.3M | $77.8M | |
| Treasury stock, at cost (48,639 common shares at June 30, 2026 and 2025) | -$528.0K | -$583.0K | |
| Accumulated other comprehensive loss | -$17.9M | -$22.6M | -$28.3M |
| Total shareholders equity | $89.9M | $76.3M | $63.7M |
| Total liabilities and shareholders equity | $1.3B | $1.2B | |
| Debt Securities, Held-to-Maturity, Fair Value | $4.2M | $5.0M | |
| Preferred stock, par value (in dollars per share) | $0 | $0 | |
| Preferred stock, shares authorized (in shares) | 350.0K shares | 350.0K shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares authorized (in shares) | 8.5M shares | 8.5M shares | |
| Common stock, shares issued (in shares) | 3.2M shares | 3.2M shares | |
| Treasury stock, shares (in shares) | 48.6K shares | 48.6K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.2
| Period ending | 2026-06-30 | 2025-06-30 |
|---|---|---|
| Net income | $11.2M | $8.7M |
| Depreciation | $1.3M | $1.2M |
| Securities amortization and accretion, net | -$341.0K | -$15.0K |
| Provision for credit losses | $1.2M | $1.1M |
| Gain on disposal of fixed assets | $0 | -$7.0K |
| Mortgage banking activity | -$521.0K | -$400.0K |
| Deferred income tax (benefit) expense | -$148.0K | -$458.0K |
| Loss on sale of securities | $8.0K | $0 |
| Net change in market value of equity securities | -$8.0K | -$11.0K |
| Amortization of intangibles | $57.0K | $56.0K |
| Origination of loans held for sale | -$33.8M | -$24.7M |
| Proceeds from loans held for sale | $34.0M | $25.2M |
| Increase in cash surrender value of life insurance | -$477.0K | -$391.0K |
| Net change in other assets and other liabilities | -$1.3M | -$2.3M |
| Net cash flows from operating activities | $11.2M | $7.9M |
| Purchases | -$21.1M | -$40.3M |
| Maturities, calls and principal pay downs | $41.5M | $38.5M |
| Proceeds from sales of available-for-sale securities | $2.2M | $0 |
| Principal pay downs | $859.0K | $887.0K |
| Redemption of equity securities | $400.0K | $0 |
| Proceeds from redemption of FHLB stock | $836.0K | $114.0K |
| Purchases of FHLB stock | -$1.3M | -$597.0K |
| Net increase in loans | -$124.3M | -$55.0M |
| Purchase of bank owned life insurance | -$1.9M | -$2.4M |
| Acquisition of premises and equipment | -$1.6M | -$3.1M |
| Disposal of premises and equipment | $0 | $30.0K |
| Proceeds from sale of other real estate and repossessed assets owned | $0 | $76.0K |
| Net cash flows used in investing activities | -$104.5M | -$61.7M |
| Net increase in deposit accounts | $84.1M | $63.8M |
| Net change in short-term borrowings | $13.7M | -$14.5M |
| Proceeds from Federal Home Loan Bank advances | $26.0M | $19.5M |
| Repayments of Federal Home Loan Bank advances | -$21.5M | -$10.7M |
| Proceeds from dividend reinvestment and stock purchase plan | $0 | $147.0K |
| Dividends paid | -$2.6M | -$2.4M |
| Net cash flows from financing activities | $99.7M | $55.9M |
| Increase in cash and cash equivalents | $6.4M | $2.2M |
| Interest | $19.8M | $19.2M |
| Income taxes | $1.9M | $1.6M |
| Transfer from loans to other repossessed assets | $0 | $76.0K |
| Issuance of treasury stock for stock awards | $399.0K | $377.0K |
Recent filings
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264
- Sep 28, 20264/A
- Sep 21, 20264
- Sep 16, 20264
- Sep 16, 20264
- Sep 16, 20264
- Sep 16, 20264
- Sep 10, 202610-K
- Sep 10, 2026DEF 14A
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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