Consumers Bancorp INC: management transactions · United States · SEC (Form 4)

About Consumers Bancorp INC

Consumers Bancorp, Inc. /OH/ (CBKM) is a U.S. bank holding company headquartered in Minerva, Ohio. Its common shares have historically been quoted on the OTCQX market; for equity screening purposes, investors often analyze the company alongside NYSE/NASDAQ-listed regional banks and community lenders. The group operates through its banking subsidiary, Consumers National Bank, and its business model is that of a community-focused regional bank: gathering deposits from individuals and businesses, then redeploying those funds into commercial, mortgage, and consumer lending. The company emphasizes personalized service, local decision-making, and modern banking technology. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1006830/000143774925028445/cbkm20250630_10k.htm)) Consumers Bancorp traces its corporate history to 1994, when the holding company was incorporated in Ohio. In 1995, it acquired Consumers National Bank, whose main office has served the Minerva area since 1965. That long operating history is meaningful in community banking because customer relationships, credit knowledge, and local market familiarity are major competitive advantages. The company’s longevity also suggests a conservative, relationship-driven approach rather than a large-scale national banking franchise. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1006830/000114420414057555/v388921_10k.htm?utm_source=openai)) From an operating perspective, the bank offers a broad range of products and services to retail, commercial, and small-business customers. Its core lending lines include commercial loans, residential and commercial mortgage loans, and consumer loans. On the funding side, it attracts deposits from businesses and individuals. The company also provides mortgage banking, financial planning, and investment services, which diversify fee income and complement spread-based earnings. Geographically, Consumers Bancorp serves a primary footprint centered on Carroll, Columbiana, Jefferson, Mahoning, Stark, and Summit counties in Ohio, with reach into contiguous counties in northeastern Ohio, western Pennsylvania, and northern West Virginia. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1006830/000143774925028445/cbkm20250630_10k.htm)) In competitive terms, CBKM is a niche regional institution rather than a scale player. Its advantage lies in relationship banking, local credit underwriting, and the ability to serve customers who value proximity and responsiveness. That can support stable deposit franchises and loan relationships, but it also means the company is exposed to geographic concentration, local economic conditions, and funding competition from larger banks and non-bank financial providers. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1006830/000143774925028445/cbkm20250630_10k.htm)) Recent operating results point to improving momentum. In its April 20, 2026 release, Consumers Bancorp reported nine-month net income of $8.2 million, up 28.7% year over year, with net interest income up 18.6%. Total loans increased by $90.6 million and total deposits by $73.1 million over the nine-month period ended March 31, 2026, while non-performing loans stood at just 0.06% of total loans. The company also highlighted record loan commitments and continued expansion in construction-related commitments, suggesting healthy commercial activity and continued balance-sheet growth. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1006830/000143774926012779/ex_947249.htm))