Consumers Bancorp Inc
investor.consumersbank.comWhat Do They Do?
Provides commercial and consumer loans, deposit accounts, and mortgage and investment services to individuals, farmers, and small and medium-sized businesses.
10-K for FY2026, filed Sep 10, 2026Consumers National Bank is a community-oriented financial institution that offers a wide range of commercial and consumer loan and deposit…View ↗
How Do They Make Money?
Deposit customers pay transaction, monthly account-maintenance, and overdraft fees, which are taken from their account balances; card transactions generate fees as they are processed. Other income includes fees for check orders and wire transfers, plus rate-swap and credit-card income.
10-K for FY2026, filed Sep 10, 2026Service charges on deposit accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance and…View ↗
Interchange income: The Company earns interchange income from cardholder transactions conducted through the various payment networks.…View ↗
Other income: Other noninterest income consists of other recurring revenue streams such as check order fees, wire transfer fees, rate swap…View ↗
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10-K for FY2026, filed Sep 10, 2026
FY2026 revenue by product or service ↗
$4.9M
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10-K for FY2026, filed Sep 10, 2026
$4.9M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit Account
|
36%
FY2023: 39%
|
Deposit Account, FY2026
$1.8M Sources
|
|
|
Debit Card
Usage-based
10-K for FY2026, filed Sep 10, 2026 |
55%
FY2023: 53%
|
Debit Card, FY2026
$2.7M Sources
|
Usage-based |
|
Financial Service, Other
Recurring
10-K for FY2026, filed Sep 10, 2026 |
9.7%
FY2023: 8.7%
|
Financial Service, Other, FY2026
$475K Sources
|
Recurring |
Who Are Their Customers?
The bank gathers deposits from businesses and individual customers and uses them to make commercial, mortgage, and consumer loans in its Ohio-area markets; it has full-service branches and a loan production office.
10-K for FY2026, filed Sep 10, 2026Consumers National Bank is a community-oriented financial institution that offers a wide range of commercial and consumer loan and deposit…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2026 was larger than its revenue and turned 194 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 27% in 4 years, from $3.9M in FY2022 to $4.9M in FY2026, about 6% a year.
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