Consumers Bancorp director exercises RSUs, gets new grant

Consumers Bancorp director Richard T. Kiko Jr reported routine equity compensation activity and updated holdings.

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Form Type

Rhea-AI Filing Summary

Consumers Bancorp director Richard T. Kiko Jr reported routine equity compensation activity and updated holdings. He exercised 801 performance-based restricted stock units into 801 shares of common stock on June 30, 2026, leaving him with 3,114.4443 common shares held directly. On July 1, 2026, he received a grant of 596 restricted stock units, each representing the right to one share of common stock, which are scheduled to vest in June 2027 if he continues serving on the board and meets attendance requirements. He also reports 13,583.108 common shares held indirectly as trustee of a spousal trust, which includes shares acquired through a dividend reinvestment plan.

Insider Trade Summary

801 shares exercised/converted

Exercise 4 txns

Insider Kiko Richard T Jr

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units (Performance Based Vesting)	596	$0.00	$0.00
Exercise	Restricted Stock Units (Performance Based Vesting)	801	$0.00	$0.00
Exercise	Common Stock	801	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units (Performance Based Vesting) — 596 contracts (Direct); Common Stock — 3,114.4443 shares (Direct); Common Stock — 13,583.108 shares (Indirect, Trustee, Spousal trust)

Footnotes (4)

F1. Each restricted stock unit represents the right to receive, at settlement, one share of common stock. This transaction represents the settlement of restricted stock units in shares of common stock on their scheduled vesting date of 6-30-2026
F2. Includes shares acquired through dividend reinvestment plan
F3. The RSUs will vest in June 2027 based on meeting attendance requirements, assuming the Reporting Person remains on the Board of Directors on the vesting date.
F4. Each restricted stock award is the economic equliavant of one share of Consumers Bancorp Inc common stock

Key Figures

RSUs granted: 596 units RSUs exercised: 801 units Direct common shares after exercise: 3,114.4443 shares +4 more

7 metrics

RSUs granted 596 units Restricted Stock Units granted on July 1, 2026

RSUs exercised 801 units Performance-based RSUs converted to common stock on June 30, 2026

Direct common shares after exercise 3,114.4443 shares Direct ownership following June 30, 2026 transaction

Indirect common shares 13,583.108 shares Held as trustee of a spousal trust as of June 30, 2026

Derivative exercises count 1 transaction Exercise or conversion of derivative security reported in summary

Derivative exercises shares 801 shares ExerciseShares in transactionSummary for RSU conversion

Grant/award acquisitions 1 transaction RSU grant coded as A, grant/award acquisition

Key Terms

Restricted Stock Units, Performance Based Vesting, dividend reinvestment plan, spousal trust, +1 more

5 terms

Restricted Stock Units financial

"Each restricted stock unit represents the right to receive, at settlement, one share of common stock."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Performance Based Vesting financial

"Restricted Stock Units (Performance Based Vesting)"

dividend reinvestment plan financial

"Includes shares acquired through dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

spousal trust financial

"Trustee, Spousal trust"

derivative security financial

"Exercise or conversion of derivative security"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transactions did CBKM director Richard T. Kiko Jr report?

Richard T. Kiko Jr reported exercising 801 restricted stock units into common shares and receiving a grant of 596 new restricted stock units. These entries reflect routine equity compensation and an update to his share and unit holdings at Consumers Bancorp.

How many new restricted stock units did CBKM grant to Richard T. Kiko Jr?

He was granted 596 restricted stock units. Each unit represents the right to receive one share of Consumers Bancorp common stock at settlement, subject to vesting conditions tied to continued board service and meeting attendance requirements through June 2027.

When do Richard T. Kiko Jr’s new CBKM restricted stock units vest?

The 596 restricted stock units are scheduled to vest in June 2027. Vesting depends on Kiko meeting attendance requirements and remaining on the Consumers Bancorp board of directors through the vesting date, according to the filing’s footnote disclosure.

How many Consumers Bancorp common shares does Richard T. Kiko Jr hold directly after these transactions?

After exercising 801 restricted stock units into common stock, he directly holds 3,114.4443 shares of Consumers Bancorp common stock. This figure reflects his direct ownership position following the reported derivative exercise transaction on June 30, 2026.

What indirect CBKM holdings does Richard T. Kiko Jr report?

He reports 13,583.108 Consumers Bancorp common shares held indirectly as trustee of a spousal trust. The filing notes this balance includes shares acquired through a dividend reinvestment plan, providing additional context for his total economic interest in the company.

Did Richard T. Kiko Jr sell any CBKM shares in this Form 4 filing?

The filing does not report any share sales. It shows an exercise of 801 restricted stock units into common stock and a grant of 596 new restricted stock units, along with an updated disclosure of his direct and indirect holdings at Consumers Bancorp.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 07/02/2026 - 01:53 PM EDT

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^*

Kiko Richard T Jr

(Last)

(First)

(Middle)

460 ARBOR FALLS DR

(Street)

WADSWORTH

OHIO

44281

(City)

(State)

(Zip)

UNITED STATES

(Country)

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

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

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/30/2026

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

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

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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	06/30/2026		M		801	A	⁽¹⁾	3,114.4443⁽¹⁾⁽²⁾	D
Common Stock								13,583.108⁽²⁾	I	Trustee, Spousal trust

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Restricted Stock Units (Performance Based Vesting)	⁽¹⁾	06/30/2026		M			801	⁽¹⁾	⁽¹⁾	Common Stock	801	⁽¹⁾	0	D
Restricted Stock Units (Performance Based Vesting)	⁽³⁾	07/01/2026		A		596⁽⁴⁾		⁽³⁾	⁽³⁾	Common Stock	596	$0	596	D

Explanation of Responses:

1. Each restricted stock unit represents the right to receive, at settlement, one share of common stock. This transaction represents the settlement of restricted stock units in shares of common stock on their scheduled vesting date of 6-30-2026

2. Includes shares acquired through dividend reinvestment plan

3. The RSUs will vest in June 2027 based on meeting attendance requirements, assuming the Reporting Person remains on the Board of Directors on the vesting date.

4. Each restricted stock award is the economic equliavant of one share of Consumers Bancorp Inc common stock

	/s/Richard T. Kiko Jr	07/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR