Consumers Bancorp, Inc. · OTC:CBKM
Consumers Bancorp — Shareholder Meeting (October 2026)
44 slides from Consumers Bancorp's shareholder meeting presentation, Oct 29, 2026
Slide 1: 2026 Annual Shareholders Meeting – October 29, 2026
2026 Annual Shareholders Meeting – October 29, 2026
Slide 2: Joseph Gerzina, Chairman of the Board
Joseph Gerzina Chairman of the Board
Slide 3: Renee K. Wood, Treasurer, Secretary & CFO
Renee K. Wood Treasurer, Corporate Secretary & Chief Financial Officer 3
Slide 4: Forward-Looking Statement
Certain statements contained in this presentation, which are not statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The words “may,” “continue,” “estimate,” “intend,” “plan,” “seek,” “will,” “believe,” “pro
Slide 5: Financial Summary
Financial Summary Net Income Earnings per Share $11,192 $3.68 $3.55 $10,674 $11,164 $3.45 $8,580 $8,667 $2.76 $2.77 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Net Interest Margin (FTE) Return on Average Assets 3.60% 1.17% 3.45% 1.05% 3.37% 0.92% 0.80% 0.78% 3.15% 3.00% 2022 2023 2024 2025 202
Slide 6: Balance Sheet Growth
Balance Sheet Growth Total Assets Gross Loans $1,280.0 $937.5 $1,097.1 $1,165.0 $813.5 $1,060.0 $710.4 $759.1 $977.3 $611.8 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 CAGR: 7.0% CAGR: 11.3% Total Deposits Shareholders’ Equity $1,121.0 $1,036.8 $89.9 $952.5 $973.0 $886.6 $76.3 $63.7 $54.0 $55.
Slide 7: Quarterly Trend
Quarterly Trend Quarterly Net Income Trend Quarterly Efficiency Ratio 70% $3,100 $3,050 $3,038 69% $3,000 68.09% 68.25% $2,958 68% $2,950 $2,900 67% 66.61% 66.64% $2,850 $2,817 66% $2,800 $2,755 $2,750 65% $2,700 64% $2,650 $2,600 63% 12/31/2025 3/31/2026 6/30/2026 9/30/2026 12/31/2025 3/31/2026 6/3
Slide 8: Net Interest Margin
Net Interest Margin Net interest margin is comparable with the peer 3.61% group. 3.42%3.29% 3.45%3.55% 3.11% 3.08%3.02% 3.19%3.21% The net interest margin has been positively impacted by growth in loans and the repricing of lower rate loans and securities to higher current market rates. Peers: Publi
Slide 9: Interest Income / Average Earning Assets
Interest Income / Average Earning Assets 6.00% 5.14% 5.19% Interest Income to average 4.94% 4.98% 4.71% 4.68% earning assets was within 5 basis 5.00% points of the peer group in the 4.13% 4.00% 2026 fiscal year. 3.76% 4.00% 3.35% The loan yield reflects the bank’s 3.00% conservative lending culture.
Slide 10: Loans / Assets
Loans / Assets 80.00% 73.28% 69.25% 69.85% 67.04% 64.71% 65.72% 65.80% Loans as a percentage of total 70.00% 62.60% 63.33% assets has consistently been 59.50% above the peer group. 60.00% 50.00% The loan growth rate of 15.3% in 40.00% fiscal year 2026 was more than double the peer groups growth 30.0
Slide 11: Cost of Funds
Cost of Funds 2.00% 1.83% 1.86% 1.77% 1.74% 1.71% 1.74% The bank’s cost of funds is low 1.80% and benefits from high 1.60% percentage of non-interest- bearing demand deposit 1.40% accounts and lower-cost transaction accounts. 1.20% 1.00% 0.75% 0.75% 0.80% Peers: Public & private 0.60% commercial ban
Slide 12: Funding Composition (06-30-2026)
Funding Composition (06-30-2026) Time Deposit, Repurchase Other Borrowings Total deposits increased $84.1 million (8.1%) from Jumbo Agreements 2% June 2025 to June 2026 Noninterest- 8% 3% bearing DDA 21% 35,945 checking, savings, and money market accounts Time Deposit, Total uninsured deposits refle
Slide 13: Securities Portfolio (06-30-2026)
Securities Portfolio (06-30-2026) • As of June 30, 2026, the portfolio had an average tax equivalent yield of 3.11% and weighted average life of 5.8 years. Fair Value of Securities by Type Portfolio Mix & Unrealized Loss Other Debt, U.S. Gov't 5.5% Sponsored Entities State & Political Agency CMOs, &
Slide 14: Non-Performing Assets / Total Assets
Non-Performing Assets / Total Assets Consistently low 0.30% delinquency and 0.30% nonaccrual balances over a prolonged period 0.25% 0.23% 0.19% 0.20% 0.18% 0.15% 0.15% Peers: Public & private 0.08% commercial banks in 0.10% 0.07% OH with assets 0.05% between $550 million 0.04% and $1.5 billion. 0.05
Slide 15: Total Past Due & Non-Accrual Loans
Total Past Due & Non-Accrual Loans 0.69% Consumers total past 0.70% due (30+ days delinquent) and 0.60% 0.54% nonaccrual loans are 55 basis points below 0.50% the peer group. 0.50% 0.43% 0.38% Since 2022, on 0.40% average Consumers total past due & 0.28% nonaccrual loans are 0.30% 33 basis points be
Slide 16: Net Charge-offs / Total Avg Loans
Net Charge-offs / Total Avg Loans 0.10% Low net charge-offs for the banking 0.08% industry as a whole. 0.08% 0.06% 0.06% 0.05% 0.04% 0.04% 0.02% 0.02% 0.02% 0.02% 0.02% Peers: Public & private 0.01% 0.01% commercial banks in OH with assets between $550 million 0.00% and $1.5 billion. LTM 6/30/222 LT
Slide 17: Book Value & Dividend Per Share Growth
Book Value & Dividend Per Share Growth Book Value per Share $28.47 $24.25 Book value increased to $28.47 / $20.39 share as of 6/30/2026 $17.66 $17.92 Paid Sept 2026 dividend of $0.22 per share, a 4.8% increase from the previous quarter. 2022 2023 2024 2025 2026 Dividends Paid per Share Dividends pai
Slide 18: 12 Month Total Return
OTCQX: CBKM 12 Month Total Return BKX – KBW Bank Index BANK - NASDAQ Bank Price Return 12 Month Return (9/30) CBKM Total Return 40.2% CBKM Change in stock price 35.9% Market Ohio Information CBKM banks* Price / Tangible Book Value 126.6% 120.6% Price / Tangible Book Value excluding AOCI 93.8% 102.4%
Slide 19: Ralph J. Lober II, President & CEO
Ralph J. Lober II President & Chief Executive Officer 19
Slide 20: 20
20
Slide 21: Loan Portfolio, Markets, Accomplishments, Outlook
Loan Portfolio Markets Accomplishments Outlook
Slide 22: Total Loan Portfolio Composition (06-30-2026)
Total Loan Portfolio Composition (06-30-2026) 15.6% $938.6 million balanced portfolio 29.4% 6.1% Total loan balances increased $124.3 million, or 15.3 % in fiscal year 2026. 15.1% 68.2% ($640.1 million) of the total portfolio is secured by real estate 33.8% 92.7% of the balances represent Housing (1
Slide 23: Commercial Real Estate (06-30-2026)
Commercial Real Estate (06-30-2026) 5.5% 2.0% 4.5% Owner Occupied CRE represent Non-owner-occupied real estate 18.2% of the total loan balances represents 11.5% of total loan and 53.9% of the commercial real balances and 34.1% of the estate portfolio. commercial real estate portfolio. 53.9% 34.1% Co
Slide 24: Non-Owner Occupied CRE Portfolio (06-30-2026)
Non-Owner Occupied CRE Portfolio (06-30-2026) 4% 2% Non-Owner Occupied CRE Portfolio 3% 3% Outstanding # of Average % of % of % of (Million) Facilities Facility Non- Loan Total 33% (Million) Occupied Portfolio Reg. 17% CRE Cap. Retail $36.1 48 $.752 33.1% 3.9% 31.4% Office $27.6 36 $.766 25.3% 3.0%
Slide 25: Agriculture (06-30-2026)
Agriculture (06-30-2026) 10% $57.5 million agricultural portfolio. 6% 2% Ag-related balances increased $7.6 37% million, or 15.2% in fiscal 2026. 2% Ag-related balances represent 6.1% 14% of the total loan portfolio. 84.4% of the agricultural portfolio is secured by real estate. 29% 100% of the ag-r
Slide 26: Housing Portfolio (06-30-2026)
Housing Portfolio (06-30-2026) $The $275.6 million 12% housing-related 21% portfolio represents 29.4% of total loan balances. 4% The housing 1% portfolio increased $19.0 million, or 7.4% in fiscal 2026. $170.6 million, or 62% of the housing 62% portfolio is comprised of Equity Lines 1-4 Family (1st)
Slide 27: Automobile Credit Metrics by Origination Year
Automobile Credit Metrics by Origination Year 820 90.0% 89.0% 800 794 796 89.0% 786 88.0% 780 86.7% Loan to Value % 763 87.0% Credit Score 760 86.0% 740 85.0% 84.3% 728 83.9% 84.0% 83.7% 720 83.0% 700 82.0% 680 81.0% Weighted Average Credit Score Weighted Average Loan to Value 2022 2023 2024 2025 20
Slide 28: Automobile Portfolio (06-30-26)
Automobile Portfolio (06-30-26) Personal Loan Delinquency Credit Score Distribution 1.60% 1.52% 1% 13% 1.40% 1.18% 1.20% 1.05% 1.00% 0.80% 0.60% 0.38% 0.40% 0.19% 0.20% 0.00% 86% 2022 2023 2024 2025 2026 750 + 700-749 699 and below 99% of the The auto portfolio 25 of 5,657 auto automobile totaled $
Slide 29: Loan balances and undisbursed commitments graphic
Graphic represents loan balances and undisbursed commitments as of June 30, 2026. It does not include all borrower classifications, Approximately $600,000 in miscellaneous commitments are not reflected,
Slide 30: Top Five Industry Exposures
Top Five Industry Exposures Rental & Leasing ($234.1 million) Construction ($89.0 million) Manufacturing ($77.3 million) Agriculture ($59.3 million) Healthcare & Social Services ($46.0 million) 30
Slide 31: Loan Production Trend
Loan Production Trend 2026 $89 $84 $239 $411 Million Fiscal 2026 total loan production is 52.0% 2025 $75 $62 $133 $270 Million higher than fiscal 2025 2024 $35 $49 $107 $191 Million Total loan originations 2023 have increased a CAGR $41 $59 $155 $255 Million of 9.2% over the last five 2022 $31 $108
Slide 32: 2026 Originated Loan Commitments
2026 Originated Loan Commitments $88.7, 22% Commercial commitments increased 80%.1% in 2026 to $238.6 million. Personal & mortgage related loans to noncommercial customers comprise 42% of total 2026 production 34.4% increase in portfolio $238.6, 58% mortgage and Home Equity commitments in 2026 $83.8
Slide 33: Twenty-four locations in six east central Ohio counties
Twenty-four locations in 6 east central Ohio counties
Slide 34: Deposit Distribution
Deposit Consumers Market Rank As of: June 2026 Market Deposits Share $31.2 Billion Deposit Market ($000) ($000) Consumers ranks seventh of twenty-five banks Carroll operating in the five-county region $573,808 $162,300 28.28% 2/5 2 Locations Consumers is the largest of two independent Columbiana ban
Slide 35: MSA Market Share
MSA Market Share Market Consumers Market MSA Market Institutions / Consumers Offices Share Offices Akron, OH $19.7 Billion 24 / 155 $45.6 Million 2 .23%% Canton-Massillon $10.7 Billion 18 / 96 $664.9 Million 12 6.20%% Weirton - $2.5 Billion 11 / 31 $114.7 Million 4 4.57% Steubenville Total MSAs $32.
Slide 36: Consumers solicits business in twenty counties in Ohio, PA, and WV
Consumers actively solicits business in twenty counties in Ohio, PA, and WV. Territory includes the following MSAs: Canton-Massillon / Akron / Cleveland-Elyria / Youngstown-Warren-Boardman / Weirton-Steubenville / Wheeling / Pittsburgh Consumers ranks 19th of 56 institutions operating in the twenty-
Slide 37: 2026 Highlights & Acknowledgements
2026 Highlights & Acknowledgements Carrollton Branch: Exceeded $100 Million in Deposits Downtown Canton: Opened First Branch in Canton’s Central Business District in 30 Years Small Business Administration: 2026 Top Small Community Bank Lender in Ohio Small Business Administration: Top 20 (11) SBA 7(
Slide 38: Opportunities and Strengths
OPPORTUNITIES STRENGTHS Market Business Summit, Jefferson, Core Deposits & Disruptions & Development Mahoning, Liquidity Industry Teams Trumbull Counties Consolidation Agricultural Generational Asset Market Size & Market Reputation Lending Transfer Diversity Participation Technology Asset Quality Pr
Slide 39: Priorities for Building the Future
Priorities for Building the Future Shareholder Enterprise Capital Efficiency Relations & Risk Allocation & Through Development Management Planning Technology Revenue Product Customer Tech Enhanvement Development Experience Infrastructure Artifcial Management Brand Organizational Intelligence & & Sta
Slide 40: Experienced & Stable Management
Executive Leadership CBKM Banking Certification Tenure Ralph Lober II President & CEO 19 36 MBA, CPA, GSB-Madison, CEPA MBA, GSB-Madison, RMA Suzanne Mikes EVP, Chief Credit Officer 9 23 Credit Risk Certification, CEPA Renee Wood EVP, Chief Financial Officer 21 31 GSB-Madison Experienced David Benav
Slide 41: Local & Diverse Board of Directors
CBKM Stock Ownership as of Sept 30, 2025* Retired, President & CEO Farmers Frank Paden, Chairman 2013 Canfield, OH .38% National Bank Richard Kiko, Jr., Vice President & Chairman, Coletta Holdings 2015 Medina, OH .49% Chairman (Kiko Companies) Owner, President, MDH Investment David Bickerton 2025 Ea
Slide 42: Future Success & Shareholder Value
Future Success & Shareholder Value Uniques & Diverse Business Diversified & Stable People Community bank Development Core Deposit Base Market Teams Engaged, Local Diversified Loan Executive Superior Asset Community Portfolio Management & Quality Leadership Board Culture Reputation Strategic Initiati
Slide 43: 12 Month Total Return
OTCQX: CBKM 12 Month Total Return BKX – KBW Bank Index BANK - NASDAQ Bank Price Return 12 Month Return (9/30) CBKM Total Return 40.2% CBKM Change in stock price 35.9% Market Ohio Information CBKM banks* Price / Tangible Book Value 126.6% 120.6% Price / Tangible Book Value excluding AOCI 93.8% 102.4%
Slide 44: Thank You
Thank You 2026 Annual Shareholders Meeting – October 29, 2026
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