Consumers Bancorp Management
Management criteria checks 3/4
Consumers Bancorp's CEO is Ralph Lober, appointed in Jan 2008, has a tenure of 18.08 years. total yearly compensation is $801.72K, comprised of 59.4% salary and 40.6% bonuses, including company stock and options. directly owns 2.44% of the company’s shares, worth $2.03M. The average tenure of the management team and the board of directors is 8.3 years and 6.1 years respectively.
Key information
Ralph Lober
Chief executive officer
US$801.7k
Total compensation
| CEO salary percentage | 59.37% |
| CEO tenure | 18.1yrs |
| CEO ownership | 2.4% |
| Management average tenure | 8.3yrs |
| Board average tenure | 6.1yrs |
Recent management updates
Recent updates
CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Dec 31 2025 | n/a | n/a | US$10m |
| Sep 30 2025 | n/a | n/a | US$9m |
| Jun 30 2025 | US$802k | US$476k | US$9m |
| Mar 31 2025 | n/a | n/a | US$8m |
| Dec 31 2024 | n/a | n/a | US$9m |
| Sep 30 2024 | n/a | n/a | US$8m |
| Jun 30 2024 | US$716k | US$461k | US$9m |
| Mar 31 2024 | n/a | n/a | US$9m |
| Dec 31 2023 | n/a | n/a | US$10m |
| Sep 30 2023 | n/a | n/a | US$11m |
| Jun 30 2023 | US$1m | US$425k | US$11m |
| Mar 31 2023 | n/a | n/a | US$11m |
| Dec 31 2022 | n/a | n/a | US$11m |
| Sep 30 2022 | n/a | n/a | US$11m |
| Jun 30 2022 | US$889k | US$346k | US$11m |
| Mar 31 2022 | n/a | n/a | US$10m |
| Dec 31 2021 | n/a | n/a | US$10m |
| Sep 30 2021 | n/a | n/a | US$9m |
| Jun 30 2021 | US$711k | US$301k | US$9m |
| Mar 31 2021 | n/a | n/a | US$9m |
| Dec 31 2020 | n/a | n/a | US$7m |
| Sep 30 2020 | n/a | n/a | US$6m |
| Jun 30 2020 | US$565k | US$267k | US$6m |
| Mar 31 2020 | n/a | n/a | US$5m |
| Dec 31 2019 | n/a | n/a | US$5m |
| Sep 30 2019 | n/a | n/a | US$5m |
| Jun 30 2019 | US$460k | US$254k | US$6m |
Compensation vs Market: Ralph's total compensation ($USD801.72K) is above average for companies of similar size in the US market ($USD568.63K).
Compensation vs Earnings: Ralph's compensation has been consistent with company performance over the past year.
CEO
Ralph Lober (58 yo)
Mr. Ralph J. Lober, II, is Director of Covington Financial Corporation, MHC. Mr. Lober II has served as a Director of Consumers Bancorp, Inc. and Consumers National Bank since 2008. Mr. Lober is the Presid...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 18.1yrs | US$801.72k | 2.44% $ 2.0m | |
| Executive VP | 20.6yrs | US$399.60k | 0.78% $ 646.4k | |
| Executive VP & Senior Loan Officer | 10.9yrs | US$498.93k | 0.52% $ 435.0k | |
| Senior Vice President of Retail Operations & Sales | 12.9yrs | no data | 0.42% $ 352.4k | |
| Senior VP & Chief Information Officer | 5.3yrs | no data | 0.13% $ 109.5k | |
| VP of Risk & Compliance Officer | 8.1yrs | no data | no data | |
| VP & Marketing Director | no data | no data | no data | |
| Senior VP & Chief People Officer | 5.1yrs | no data | 0.15% $ 125.4k | |
| Senior VP & Business Banking Officer | 7.2yrs | no data | no data | |
| Executive VP & Chief Credit Officer | 8.6yrs | no data | 0.29% $ 243.3k | |
| Senior VP & Senior Loan Officer | 1.1yrs | no data | no data | |
| Vice President & Senior Auditor of Consumers National Bank | no data | no data | no data |
Experienced Management: CBKM's management team is seasoned and experienced (8.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 17.2yrs | US$801.72k | 2.44% $ 2.0m | |
| Independent Director | 38.3yrs | US$59.70k | 4.64% $ 3.9m | |
| Independent Chairman | 12.6yrs | US$69.53k | 0.39% $ 324.8k | |
| Director Emeritus | no data | US$31.11k | no data | |
| Independent Director | 6.1yrs | US$60.03k | 0.86% $ 713.6k | |
| Independent Director | 4.9yrs | US$54.53k | 0.21% $ 171.9k | |
| Independent Director | 15.1yrs | US$53.53k | 0.72% $ 601.0k | |
| Independent Director | 1.6yrs | US$57.53k | 0.16% $ 133.3k | |
| Independent Vice Chairman | 11.1yrs | US$58.53k | 0.86% $ 713.6k | |
| Independent Director | 4.9yrs | US$53.53k | 0.12% $ 102.0k | |
| Independent Director | 3.1yrs | US$55.53k | 0.14% $ 120.7k | |
| Independent Director | less than a year | US$17.57k | 0.14% $ 116.7k |
Experienced Board: CBKM's board of directors are considered experienced (6.1 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/02/11 13:54 |
| End of Day Share Price | 2026/02/11 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Consumers Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.