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

Rhea-AI Filing Summary

Derek G. Williams, Senior Vice President, Retail Operations & Sales at Consumers Bancorp Inc. (CBKM), reported a purchase of 200 shares of the company's common stock on 09/15/2025 at a price of $21.25 per share. After the transaction, Mr. Williams beneficially owned 12,981.264 shares directly and 100 shares indirectly (held by a child). The filing notes that the reported total includes shares acquired through the company’s dividend reinvestment plan. The Form 4 was signed on 09/16/2025 and was filed by a single reporting person.

Positive

• Insider purchase: Derek G. Williams bought 200 shares, indicating personal investment in CBKM.
• Transparency: Filing discloses both direct (12,981.264 shares) and indirect (100 shares) holdings and notes use of the dividend reinvestment plan.

Negative

• None.

Insights

Financial Analyst

TL;DR: Insider purchased a small stake, signaling modest insider buying but not material to valuation.

The purchase of 200 shares at $21.25 is a routine insider buy that increases the reporting person’s direct holdings to 12,981.264 shares. Given the size of the purchase relative to total holdings, this transaction is unlikely to materially affect company valuation or signal a major change in insider conviction on its own. The filing’s note that dividend reinvestment contributed to holdings is useful for understanding ownership growth over time.

Corporate Governance Expert

TL;DR: Transaction follows expected disclosure rules and shows ongoing insider participation through payroll/dividend plans.

The Form 4 appears complete and timely, signed the day after the trade. Inclusion of indirect ownership (100 shares held by a child) and the dividend reinvestment disclosure improves transparency about the reporting person’s economic exposure. The transaction code indicates a purchase; there is no amendment or unusual plan designation reported, suggesting routine insider activity rather than a planned program or corrective filing.

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^*

WILLIAMS DEREK G

(Last) (First) (Middle)

5398 BARNHILL ST

(Street)

LOUISVILLE OH 44641

(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)
	SVP, Retail Operations & Sales

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025

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	09/15/2025		P		200	A	$21.25	12,981.264(1)	D
Common Stock								100	I	Child

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

	/s/Derek Williams	09/16/2025
	** 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 did CBKM insider Derek G. Williams report on Form 4?

He reported purchasing 200 shares of Consumers Bancorp (CBKM) on 09/15/2025 at $21.25 per share, increasing direct ownership to 12,981.264 shares.

Does the filing show any indirect ownership for the reporting person?

Yes. The filing lists 100 shares held indirectly by a child in addition to direct holdings.

Did the Form 4 indicate how some shares were acquired?

Yes. The filing explains that totals include shares acquired through the dividend reinvestment plan.

When was the Form 4 signed and filed?

The Form 4 is signed by the reporting person on 09/16/2025; the reported transaction date is 09/15/2025.

Is this Form 4 an amendment or part of a Rule 10b5-1 plan?

No. The form shows no amendment date and does not indicate the transaction was made under a Rule 10b5-1 plan.