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CBKM on OTC

CONSUMERS BANCORP INC /OH/

CONSUMERS BANCORP INC /OH/ is an American national commercial bank, incorporated in Ohio, listed on OTC (CBKM).1 It is headquartered in Minerva, Ohio.1

Price unavailable

Last updated Oct 21, 2026.

Overview

$4.9MRevenue, fiscal 20262
$11.2MNet income, fiscal 20262

Compare with SOUTHERN FIRST BANCSHARES INC, Meridian Corporation or United Security Bancshares, or pick any stock.

  • TickerCBKM on OTC1
  • IndustryNational Commercial Banks1
  • HeadquartersMinerva, Ohio1
  • Incorporated inOH3
  • Business address614 E Lincoln Way, Po Box 256, Minerva, Oh 44657-20963
  • Filer categoryNon-accelerated filer, Smaller reporting company3

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Consumers Bancorp, Inc. (Company) is a bank holding company as defined under the Bank Holding Company Act of 1956, as amended (BHCA), and is a registered bank holding company under that act and was incorporated under the laws of the State of Ohio in 1994. In February 1995, the Company acquired all the issued and outstanding capital stock of Consumers National Bank (Bank), a bank chartered under the laws of the United States of America. The Company’s activities have been limited primarily to holding the common stock of the Bank.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

227.2%Net margin2
6.4%Revenue growth, 20262
12.4%Return on equity2
$9.6MFree cash flow2

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.

  1. Debit Card$2.7M255%up 8% from 2025
  2. Deposit Account$1.8M236%up 1% from 2025
  3. Financial Service, Other$475.0K210%up 20% from 2025
Products and services by year
Products and services20252026
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

Revenue56789102$4.9M in 2026+65% since 2019
0$2.0M$4.0M$6.0M2019: $3.0M$3.0M20192020: $3.2M$3.2M2020+8%2021: $3.4M$3.4M2021+6%2022: $3.9M$3.9M2022+13%2023: $4.1M$4.1M2023+7%2024: $4.4M$4.4M2024+6%2025: $4.6M$4.6M2025+5%2026: $4.9M$4.9M2026+6%
Net income56789102$11.2M in 2026+101% since 2019
0$5.0M$10.0M$15.0M2019: $5.6M$5.6M20192020: $5.5M$5.5M2020−1%2021: $9.0M$9.0M2021+63%2022: $11.2M$11.2M2022+25%2023: $10.7M$10.7M2023−5%2024: $8.6M$8.6M2024−20%2025: $8.7M$8.7M2025+1%2026: $11.2M$11.2M2026+29%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2026-06-302025-06-30
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

Compare CONSUMERS BANCORP INC /OH/ with another company

Corporate structure

CONSUMERS BANCORP INC /OH/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CONSUMERS BANCORP INC /OH/

  • CONSUMERS BANCORP INC /OH/ Minerva, Ohio

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CONSUMERS BANCORP INC /OH/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$31.6M2 Jun 30, 2026$29.9M2 Jun 30, 2025+5.5%
Accumulated depreciation$12.4M2 Jun 30, 2026$11.2M2 Jun 30, 2025+10.4%
Property and equipment, net$19.1M2 Jun 30, 2026$18.7M2 Jun 30, 2025+2.5%
Operating-lease assets (leased space)$757.0K2 Jun 30, 2026$647.0K10 Jun 30, 2025+17.0%

Investments

ItemLatestA year beforeChange
Equity securities at fair value$02 Jun 30, 2026$392.0K2 Jun 30, 2025−100.0%
Loans, net of allowance$928.3M2 Jun 30, 2026$805.0M2 Jun 30, 2025+15.3%
Deposits held (banks)$1.1B2 Jun 30, 2026$1.0B2 Jun 30, 2025+8.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$2.5M2 Jun 30, 2026$2.5M2 Jun 30, 20250%
Finite-lived intangibles, net$244.0K2 Jun 30, 2026$301.0K2 Jun 30, 2025−18.9%

Properties, in its own words

The Bank operates 23 full-service banking facilities and one loan production office (LPO) as noted below:

Location · Address · Owned · Leased

The rest of Item 2

Adena · 9 East Main Street, Adena, Ohio 43901 · X

Alliance · 610 West State Street, Alliance, Ohio 44601 · X

Bergholz · 256 2nd Street, Bergholz, Ohio 43908 · X

Brewster · 210 Wabash Avenue South, Brewster, Ohio 44613 · X

Calcutta · 49028 Foulks Drive, Calcutta, Ohio 43920 · X

Canton · 210 Market Avenue North, Canton, Ohio 44702 · X

Carrollton · 1017 Canton Road Northwest, Carrollton, Ohio 44615 · X

Dillonvale · 44 Smithfield Street, Dillonvale, Ohio 43917 · X

East Canton · 440 West Noble, East Canton, Ohio 44730 · X

Fairlawn · 3680 Embassy Parkway Suite B, Fairlawn, Ohio 44333 · X

Green · 4086 Massillon Road, Green, Ohio 44685 · X

Hanoverton · 30034 Canal Street, P.O. Box 178, Hanoverton, Ohio 44423 · X

Hartville · 1215 West Maple Street, Hartville, Ohio 44632 · X

Jackson-Belden · 4026 Dressler Road Northwest, Canton, Ohio 44718 · X

Lisbon · 7985 Dickey Drive, Lisbon, Ohio 44432 · X

Louisville · 1111 North Chapel Street, Louisville, Ohio 44641 · X

Malvern · 4070 Alliance Road, Malvern, Ohio 44644 · X

Massillon · 2117 Lincoln Way East, Massillon, Ohio 44647 · X

Minerva · 614 East Lincoln Way, P.O. Box 256, Minerva, Ohio 44657 · X

Mount Pleasant · 298 Union Street, Mount Pleasant, Ohio 43939 · X

Salem · 141 South Ellsworth Avenue, P.O. Box 798, Salem, Ohio 44460 · X

Waynesburg · 8607 Waynesburg Drive Southeast, P.O. Box 746, Waynesburg, Ohio 44688 · X

Wellsville · 565 Main Street, Wellsville, Ohio 43968 · X

Boardman LPO · 725 Boardman-Canfield Road, Building 1, Boardman, Ohio 44512 · X

The Bank considers its physical properties to be in good operating condition and suitable for the purposes for which they are being used. In management’s opinion, all properties owned and operated by the Bank are adequately insured.

Item 2 of the 10-K filed Sep 10, 2026.4

Leadership

Who has led CONSUMERS BANCORP INC /OH/, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Steven L. Muckley2006–2008
  2. Ralph J. Lober Ii.2009–now

Chair

  1. Laurie L. McClellan2006–2010

President

  1. Steven L. Muckley2006–2007
  2. Ralph J. Lober Ii.2009–now

Chief financial officer

  1. Renee Wood2006–now

Chief operating officer

  1. Ralph J. Lober Ii.2007
2010201520202025
Board members and other officers (36)

Timeline

  1. Jul 29, 20268-K Results of operations54
  2. Jun 30, 20268-K Executive or director change55
  3. Apr 20, 20268-K Results of operations56
  4. Jan 20, 20268-K Results of operations57
  5. Oct 28, 20258-K Shareholder vote58
  6. Oct 17, 20258-K Results of operations59
  7. Jul 29, 20258-K Results of operations60
  8. Apr 17, 20258-K Results of operations61
  9. Feb 18, 20258-K Executive or director change62
  10. Jan 23, 20258-K Results of operations63
  11. Oct 28, 20248-K Executive or director change; Shareholder vote64
  12. Oct 21, 20248-K Results of operations65
  13. Nov 4, 2009New chief executive Ralph J. Lober Ii. becomes CEO15
  14. Feb 3, 2006New chief executive Steven L. Muckley becomes CEO16

Calendar

Coming up

  1. Around Nov 6, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 29, 2026Reported quarterly or annual results54
  2. Apr 20, 2026Reported quarterly or annual results56
  3. Jan 20, 2026Reported quarterly or annual results57
  4. Oct 17, 2025Reported quarterly or annual results59
  5. Jul 29, 2025Reported quarterly or annual results60
  6. Apr 17, 2025Reported quarterly or annual results61
  7. Jan 23, 2025Reported quarterly or annual results63
  8. Oct 21, 2024Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

459 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 30 major events, 399 insider forms, 5 large holders, 5 other. The latest 20:

  1. Sep 28, 20264/A EDGAR
  2. Sep 28, 20264 EDGAR
  3. Sep 28, 20264 EDGAR
  4. Sep 28, 20264 EDGAR
  5. Sep 28, 20264 EDGAR
  6. Sep 28, 20264 EDGAR
  7. Sep 28, 20264 EDGAR
  8. Sep 28, 20264 EDGAR
  9. Sep 21, 20264 EDGAR
  10. Sep 16, 20264 EDGAR
  11. Sep 16, 20264 EDGAR
  12. Sep 16, 20264 EDGAR
  13. Sep 16, 20264 EDGAR
  14. Sep 10, 2026DEF 14A EDGAR
  15. Sep 10, 202610-K EDGAR
  16. Aug 24, 20264 EDGAR
  17. Aug 14, 2026SCHEDULE 13G EDGAR
  18. Aug 11, 20264 EDGAR
  19. Aug 11, 20265 EDGAR
  20. Aug 11, 20264/A EDGAR

The 459 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

212 open-market trades by officers, directors and large owners since October 2021: 212 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 17, 2026Lober Ralph J IICEO & PresidentBuy70$32.59$2.3KForm 4
Sep 15, 2026PADEN FRANK LDirectorBuy182$32.99$6.0KForm 4
Sep 15, 2026Chuckalovchak Kimberly KSVP, Chief Information OfficerBuy91$32.99$3.0KForm 4
Sep 15, 2026Hudak Hillary ASVP, Chief People OfficerBuy112$32.99$3.7KForm 4
Sep 14, 2026Lober Ralph J IICEO & PresidentBuy400$32.98$13.2KForm 4
Aug 21, 2026Mikes Suzanne NEVP, Chief Credit OfficerBuy100$32.00$3.2KForm 4
Aug 11, 2026Bickerton David RDirectorBuy200$31.02$6.2KForm 4
Jun 17, 2026Lober Ralph J IICEO & PresidentBuy500$29.25$14.6KForm 4
Jun 16, 2026Lober Ralph J IICEO & PresidentBuy76$29.25$2.2KForm 4
Jun 16, 2026Parkinson John WDirectorBuy500$28.95$14.5KForm 4
Jun 15, 2026Hudak Hillary ASVP, Chief People OfficerBuy124$28.97$3.6KForm 4
Jun 15, 2026Chuckalovchak Kimberly KSVP, Chief Information OfficerBuy69$28.97$2.0KForm 4
Jun 15, 2026PADEN FRANK LDirectorBuy197$28.97$5.7KForm 4
Jun 15, 2026WILLIAMS DEREK GSVP, Retail Operations & SalesBuy100$29.44$2.9KForm 4
Jun 15, 2026Bickerton David RDirectorBuy200$29.04$5.8KForm 4
Jun 12, 2026Parkinson John WDirectorBuy400$28.30$11.3KForm 4
May 20, 2026Bickerton David RDirectorBuy250$26.80$6.7KForm 4
May 20, 2026Benavides David ESVP, Senior Loan OfficerBuy250$26.80$6.7KForm 4
May 12, 2026Gano Ann MDirectorBuy500$27.45$13.7KForm 4
May 7, 2026Lober Ralph J IICEO & PresidentBuy300$27.25$8.2KForm 4

All 212 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2026Ralph J. Lober II$500.3K$1.0M68
2026Renee K. WoodExecutive Vice President, Chief$264.1K$475.6K68
2026Suzanne N. MikesExecutive Vice President and$240.0K$388.1K68
2025President and Chief Executive Officer$476.0K$801.7K68
2025Financial Officer/Treasurer$245.6K$399.6K68

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Fifth Third Wealth Advisors LLC8,070$230.0K0.0%New
Huntington National Bank3,719$106.0K0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CONSUMERS BANCORP INC /OH/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCONSUMERS BANCORP INC /OH/1
  • CIK0001006830
  • Employer ID (EIN)34-17714004
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inOhio4
  • Fiscal year endsJune 301
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address614 E Lincoln Way, Po Box 256, Minerva, OH 44657-20961
  • Mailing address614 E Lincoln Way, Po Box 256, Minerva, OH 44657-20951
  • Phone33086877011
  • Shares outstanding3,156,730 shares as of Sep 10, 20264
  • Public float$71.7M as of Dec 31, 20254
  • AuditorPlante & Moran, PLLC, Cleveland, Ohio PCAOB ID 166; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceSep 29, 19981
  • Filings1,566 in all: 4 (872), 5 (223), 8-K (170), 10-Q (72), 4/A (57), 3 (37), DEF 14A (29), 10-K (24)1
    All 36 form types

    10QSB (12), SC 13G (9), SC 13G/A (7), 3/A (5), UPLOAD (5), 10KSB40 (4), 5/A (4), PRE 14A (4), 8-K/A (3), CORRESP (3), S-1/A (3), SC 13D (3), SC 13D/A (3), 425 (2), EFFECT (2), 10KSB (1), 144 (1), 424B3 (1), DEFA14A (1), FWP (1), NO ACT (1), PREM14A (1), S-1 (1), S-3 (1), S-4 (1), S-4/A (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Sep 10, 2026
    Quarterly report (10-Q) May 8, 2026
    Proxy statement (DEF 14A) Sep 10, 2026
    Latest 8-K (8-K) Jul 29, 2026

Risk factors and legal proceedings

Legal proceedings

The Company is not a party to any pending material legal or administrative proceedings, other than ordinary routine litigation incidental to the business of the Company. Further, there are no material legal proceedings in which any director, executive officer, principal shareholder, or affiliate of the Company is a party or has a material interest therein that is adverse to the Company. No routine litigation in which the Company is involved is expected to have a material adverse impact on the financial position or results of operations of the Company.

The opening of Item 3, Legal Proceedings.4

Sources

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