[Form 4] CONSUMERS BANCORP INC /OH/ Insider Trading Activity

Rhea-AI Filing Summary

Suzanne Mikes, EVP and Chief Credit Officer of Consumers Bancorp Inc (CBKM), reported an insider purchase on 09/19/2025. The Form 4 shows a purchase of 205 shares of common stock at $22.95 per share, bringing her total beneficial ownership to 8,975.713 shares held directly. The filing notes that the reported shares include amounts acquired through the company's dividend reinvestment plan and an employee stock purchase plan. The report is individually filed and signed by Ms. Mikes.

Positive

• Insider purchase disclosed: 205 shares acquired at $22.95, showing continued ownership by an executive
• Clear transaction routing: Shares include purchases through the dividend reinvestment plan and employee stock purchase plan
• Complete disclosure: Form 4 lists role, transaction date (09/19/2025), price, quantity, and signed certification

Negative

• None.

Insights

Financial Analyst

TL;DR: An executive-level insider made a small purchase via company plans, modestly increasing direct ownership.

The Form 4 documents a purchase of 205 shares at $22.95, increasing direct beneficial ownership to 8,975.713 shares. The acquisition routes—dividend reinvestment and employee stock purchase plan—are routine compensation and savings mechanisms, not open-market discretionary buys. For investors, such plan-based acquisitions indicate participation in payroll/benefit programs rather than an unusual trading signal. The transaction is straightforward, fully disclosed, and properly signed.

Corporate Governance Expert

TL;DR: Disclosure is complete and timely for a Section 16 reporting person; no governance red flags in the filing.

The Form 4 identifies the reporting person, roles (EVP, Chief Credit Officer and director), and provides transaction details including price, quantity, and beneficial ownership after the trade. The explanation clarifies the inclusion of dividend reinvestment and employee stock purchase plan shares. The filing appears compliant with Section 16 reporting requirements and contains a manual signature dated 09/19/2025.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Mikes Suzanne N

(Last) (First) (Middle)

4028 TROON DR

(Street)

UNIONTOWN OH 44685

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CONSUMERS BANCORP INC /OH/ [ CBKM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/19/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/19/2025		P		205	A	$22.95	8,975.713(1)(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes shares acquired through dividend reinvestment plan

2. Shares acquired through employee stock purchase plan

	/s/Suzanne Mikes	09/19/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Suzanne Mikes report on Form 4 for CBKM?

The filing reports a purchase of 205 shares of Consumers Bancorp common stock on 09/19/2025 at $22.95 per share.

How many shares does Suzanne Mikes beneficially own after the reported transaction?

After the transaction, she beneficially owns 8,975.713 shares directly.

Were the shares acquired via market purchase or company plans?

The explanations state the shares include amounts acquired through the dividend reinvestment plan and the employee stock purchase plan.

What is Suzanne Mikes' role at Consumers Bancorp as shown on the Form 4?

She is listed as an EVP, Chief Credit Officer and is indicated as a director/officer reporting person.

Is the Form 4 filing signed and dated?

Yes, the form is signed /s/Suzanne Mikes and dated 09/19/2025.