FinObservatory

SEC filings / CIK 1006830

CONSUMERS BANCORP INC /OH/

National commercial banks, OH. 13 10-K filer-years in this dataset, the most recent for FY2025, filed Sep 5, 2025. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-2-1-1011n/aFY2013: HTM fair value less carrying amount, -0.3% of reported stockholders’ equityFY2014: HTM fair value less carrying amount, +0.1% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, +0.1% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +0.1% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +0.5% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, +0.5% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -0.1% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -1.2% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -0.8% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -0.2% of reported stockholders’ equity12131415171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 12 of this company’s 13 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pSep 5, 2025$1.17bn$1.04bn$76.3m-$22.6m$5.2m$5.0m-0.2%6.7%
2024Sep 6, 2024$1.10bn$973.0m$63.7m-$28.3m$6.1m$5.5m-0.8%6.0%
2023Sep 7, 2023$1.06bn$952.5m$55.5m-$30.0m$7.0m$6.3m-1.2%6.0%
2022Sep 15, 2022$977.3m$886.6m$54.0m-$22.1m$7.9m$7.8m-0.1%5.2%
2021Sep 16, 2021$833.8m$726.8m$69.9m$3.5m$8.0m$8.4m+0.5%8.0%
2020Sep 23, 2020$740.8m$633.4m$63.2m$4.3m$3.5m$3.9m+0.5%10.3%
2019Sep 12, 2019$553.9m$472.2m$51.2m$1.6m$3.8m$3.8m+0.1%5.5%
2018Sep 12, 2018$502.6m$430.0m$43.8m-$1.6m$4.0m$4.0m+0.1%5.5%
2017Sep 21, 2017$457.9m$374.5m$43.5m$445k$4.3m$4.3m+0.2%3.5%
2015Sep 23, 2015$404.0m$333.0m$41.5m$899k$3.7m$3.7m+0.2%5.8%
2014Sep 24, 2014$382.5m$313.9m$40.2m$1.3m$3.0m$3.0m+0.1%8.6%
2013Sep 24, 2013$343.5m$294.1m$28.1m-$16k$3.0m$2.9m-0.3%12.8%
2012Sep 21, 2012$334.8m$284.5m$27.9m$1.6mn/an/an/a17.6%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.