Consumers Bancorp Inc (CBKM) is a bank holding company that operates Consumers National Bank, a community bank providing commercial and consumer lending and deposit services. The company earns income primarily through net interest income on loans and securities, funded by customer deposits. As of June 30, 2025, total assets were $1.17 billion, up 6.2% from $1.10 billion at June 30, 2024, with total loans growing $54,344 thousand (7.2%) and total deposits growing $63,838 thousand (6.6%) over the same period. The loan portfolio spans commercial and industrial, commercial real estate, farmland, land development, 1-4 family residential real estate, and consumer loans. The bank exceeded minimum regulatory capital requirements to be considered well-capitalized as of June 30, 2025. The company is registered under Section 12(g) of the Securities Exchange Act and files with the SEC under Commission File No. 033-79130.

Revenue model

Net interest income on a loan and securities portfolio funded by customer deposits, supplemented by fee-based services. The securities portfolio of $279,042 thousand as of June 30, 2025 is primarily mortgage-backed securities and obligations of state and political subdivisions.

Products and services

Commercial and industrial loans, commercial real estate loans, farmland loans, land development loans, 1-4 family residential real estate loans, consumer loans, deposit accounts. Securities portfolio includes U.S. Treasury obligations, U.S. government-sponsored entity obligations, mortgage-backed securities (residential and commercial), collateralized mortgage obligations, and obligations of state and political subdivisions.

Customers and end markets

Commercial borrowers, real estate borrowers, agricultural borrowers, and retail consumers. End markets include commercial and industrial businesses, commercial real estate owners, farmland operators, residential real estate buyers, and individual consumers.

Value-chain role

Community bank and deposit-taking institution. Originates and holds loans on balance sheet, funds lending activity through retail and commercial deposits, and maintains a securities portfolio for liquidity and yield. Regulated by the OCC and subject to Dodd-Frank Act consumer financial protection rules.

Geographic exposure

Ohio-based community bank. Merger history references Peoples Bancorp of Mt. Pleasant and The Peoples National Bank of Mount Pleasant (June 2019 merger agreement), indicating an Ohio regional footprint. No international operations disclosed in the filing excerpts.

Source: SEC 10-K, filed 2025-09-05

Industry: National Commercial Banks Peers: Bank of The James Financial Group, Inc PNC Financial Services Group Inc