Velarion · Company Intelligence
Compensation Brief
Fiscal year 2026 · Filings through 2026-09-28

Consumers Bancorp Inc (CBKM)

CEO Ralph Lober II was paid $1,037,169 in fiscal year 2026, ↑ up 29.4% from fiscal year 2025 (SEC filing 0001437749-26-030041 ↗): executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$1,037,169 ↑
Ralph Lober II total, FY2026
—
CEO pay percentile vs peers
—
CEO-to-median pay ratio
99.58%
Say-on-pay support, latest vote

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CBKM's next annual pay disclosure, estimated September 15, 2027.est. Filing ↗

01

Summary Compensation Table — fiscal year 2026

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
Ralph Lober II$500,332$300$95,900$0$164,392$250,994$25,251$1,037,169
President and Chief Executive Officer
Renee Wood264,09130030,940075,44078,02826,840475,639
Executive Vice President, Chief Financial Officer/Treasurer
Suzanne Mikes240,02130030,560068,68736,85111,663388,082
Executive Vice President and Chief Credit Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2026 totalFY2025 totalFY2024 totalΔ FY2025→2026
Ralph Lober II$1,037,169$801,716$716,089↑ +235,453
Renee Wood475,639399,599337,909↑ +76,040
Suzanne Mikes388,082———

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

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$1,037,169 Ralph Lober II total, FY2026

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Data as of September 28, 2026 · Source: 0001437749-26-030041 · Velarion Executive Compensation Database, deposited on Zenodo (doi:10.5281/zenodo.22283855).

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01b

Executives — the named officers

One page per officer: the same table above, read for one person at a time — his own figure and every fiscal year the register holds.

ExecutiveRoleFY2026 total
Ralph Lober IICEO$1,037,169
Renee WoodCFO$475,639
Suzanne MikesExecutive$388,082
01c

Board of directors

One page per director: the seat, the committees and the fee table, read for one person at a time.

DirectorRoleFY2026 total
Ann M. GanoIndependent Director$56,020
Bradley GorisIndependent Director$54,120
David BickertonIndependent Director$55,020
Frank L. PadenIndependent Director$70,020
John W. ParkinsonIndependent Director$62,020
Joseph GerzinaIndependent Director$58,020
Laurie L. McClellanIndependent Director$61,020
Michael A. WheelerIndependent Director$54,620
Richard T. Kiko JrIndependent Director$59,020
Shawna L. L’ItalienIndependent Director$55,020
02

Equity transactions since the proxy statement was filed

Every insider equity transaction reported on Form 4 after the 2026 proxy statement — acquisitions, dispositions, exercises, and withholdings — and therefore not reflected in any table in that document.

InsiderRoleTransaction dateCodeSharesPriceValueSecuritySource
Ralph J. Lober IIDirector2026-09-14A400$33$13,192CommonForm 4 ↗
Frank L. PadenDirector2026-09-15A181.9336,001CommonForm 4 ↗
Hillary A. HudakSVP, Chief People Officer2026-09-15A112.41333,708CommonForm 4 ↗
Kimberly K. ChuckalovchakSVP, Chief Information Officer2026-09-15A90.9332,999CommonForm 4 ↗
Ralph J. Lober IIDirector2026-09-17A70332,281CommonForm 4 ↗
David BickertonDirector2026-09-28A129——Derivative, Class A CommonForm 4 ↗
David BickertonDirector2026-09-28A129——CommonForm 4 ↗
Ralph J. Lober IIDirector2026-09-28A1,199——Derivative, Class A CommonForm 4 ↗
Ralph J. Lober IIDirector2026-09-28A1,199——CommonForm 4 ↗
Suzanne N. MikesEVP, Chief Credit Officer2026-09-28A349——Derivative, Class A CommonForm 4 ↗
Suzanne N. MikesEVP, Chief Credit Officer2026-09-28A349——CommonForm 4 ↗
Renee WoodEVP & Chief Financial Officer2026-09-28A387——Derivative, Class A CommonForm 4 ↗
Renee WoodEVP & Chief Financial Officer2026-09-28A387——CommonForm 4 ↗
David E. BenavidesSVP, Senior Loan Officer2026-09-28A129——Derivative, Class A CommonForm 4 ↗
David E. BenavidesSVP, Senior Loan Officer2026-09-28A129——CommonForm 4 ↗
Hillary A. HudakSVP, Chief People Officer2026-09-28A198——Derivative, Class A CommonForm 4 ↗
Hillary A. HudakSVP, Chief People Officer2026-09-28A198——CommonForm 4 ↗
Kimberly K. ChuckalovchakSVP, Chief Information Officer2026-09-28A190——Derivative, Class A CommonForm 4 ↗
Kimberly K. ChuckalovchakSVP, Chief Information Officer2026-09-28A190——CommonForm 4 ↗
Derek G. WilliamsSVP, Retail Operations & Sales2026-09-28A200——Derivative, Class A CommonForm 4 ↗
Derek G. WilliamsSVP, Retail Operations & Sales2026-09-28A200——CommonForm 4 ↗

Transaction codes per Form 4: A acquisition · S open-market sale · F tax withholding · M option exercise · G gift. Value = shares × price as reported. Dividend-equivalent and fractional-share accrual rows (derivative Class A, under $10,000 and under 2,000 shares) are aggregated per date; every row appears in full below.

03

Grants of plan-based awards — fiscal year 2026

ExecutiveAwardGrant dateThresholdTargetGrantedMaximumGrant-date fair value
Suzanne MikesRSU2025-07-01——1,528—$30,560
Ralph Lober IIRSU2025-07-01——4,795—95,900
Renee WoodRSU2025-07-01——1,547—30,940
03b

Vehicle mix — grant-date fair value by award type

Named executive officerTime-vested (RSU)Performance-vested (PSU)Options / SARs% performance-vested
Suzanne Mikes$30,560$0$00.0%
Ralph Lober II95,900000.0%
Renee Wood30,940000.0%

% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.

04

Outstanding equity awards at fiscal year-end 2026

ExecutiveAwardShares unvestedExercise priceMarket value unvested
Suzanne MikesRSU1,528—$43,548
Ralph Lober IIRSU4,795—136,658
Renee WoodRSU1,547—44,090
05

Incentive-plan design — the Compensation Discussion & Analysis

The Company targets executive compensation to the midpoint of its peer group, considering the Company's size, complexity, and performance relative to previous years. The philosophy aims to attract and retain key personnel by offering appropriate incentives aligned with long-term goals and safe and sound operations.

CEO STI target (% of salary)—
CEO LTI target (% of salary)—
Independent consultantBlanchard Consulting Group
Clawback policytrue
Anti-hedgingtrue
Anti-pledgingfalse
06

Say-on-pay — recent advisory votes

Meeting yearMeeting dateForAgainstAbstainSupportOutcome
20252025-10-231,364,3755,74021,93899.58%Passed
20222022-10-271,791,77813,04415,74399.28%Passed
20192019-10-171,606,092235,46035,88485.55%Passed
20162016-10-271,893,67914,55322,73799.24%Passed

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.

Say-on-pay — history, company's computation

Meeting yearMeeting dateApproval — company's computation
20252025-10-2399.58%a
20222022-10-2799.28%b
20192019-10-1785.55%c

a. Approved under the standard stated in the filing — “Abstentions will not be counted as votes "FOR" or "AGAINST" this proposal and will have no effect on the outcome of this proposal.”.

b. Approved under the standard stated in the filing — “Abstentions will not be counted as votes "FOR" or "AGAINST" this proposal and will have no effect on the outcome of this proposal.”.

c. Approved under the standard stated in the filing — “Abstentions will not be counted as either votes cast for or against the resolution.”.

Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

07

CEO pay ratio

Ratio (CEO : median employee)—
CEO total compensation—
Median employee compensation—
08

Director compensation — fiscal year 2026

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
Frank L. PadenIndependent · Compensation · Executive · Loan$54,000$16,020———$70,020
John W. ParkinsonIndependent · Asset/Liability · Corporate Governance/Nominating · Loan · Risk & Technology (Chair)46,00016,020———62,020
Laurie L. McClellanIndependent · Audit · Executive · Loan (Chair)45,00016,020———61,020
Richard T. Kiko JrIndependent · Asset/Liability · Executive (Chair) · Risk & Technology43,00016,020———59,020
Joseph GerzinaIndependent · Audit · Corporate Governance/Nominating · Loan42,00016,020———58,020
Ann M. GanoIndependent · Asset/Liability · Audit (Chair) · Risk & Technology40,00016,020———56,020
David BickertonIndependent · Asset/Liability · Audit · Risk & Technology39,00016,020———55,020
Shawna L. L’ItalienIndependent · Audit · Compensation · Corporate Governance/Nominating (Chair) · Partial-year service39,00016,020———55,020
Michael A. WheelerIndependent · Asset/Liability · Compensation · Risk & Technology38,60016,020———54,620
Bradley GorisIndependent · Compensation (Chair) · Corporate Governance/Nominating · Executive38,10016,020———54,120
Renee K. WoodEmployee director · Partial-year service————26,84026,840
Suzanne N. MikesEmployee director · Partial-year service————11,66311,663
Ralph J. Lober IIEmployee director · Asset/Liability (Chair) · Loan—————0
09

Board fee structure and ownership guideline

Annual cash retainer$25,000
Annual equity retainer$16,020
Per board meeting fee—
Committee chair fees (audit / comp / nom-gov)5,000 / 5,000 / 4,000
Stock ownership guideline—
09b

Total cost of the board

ComponentFY2026
Cash retainers and fees$424,700
Equity awards (grant-date value)$160,200
All other compensation$38,503
Total cost of the board$623,403

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1Consumers Bancorp Inc2026Ralph Lober II$500,332$95,900$0$164,392$1,037,169

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

10d

Frequently asked questions

Who was the highest-paid executive at Consumers Bancorp Inc in fiscal 2026?
As disclosed, Ralph Lober II (President and Chief Executive Officer) was the highest-paid executive at Consumers Bancorp Inc in fiscal 2026, with total compensation of $1,037,169.
How did shareholders vote on Consumers Bancorp Inc's executive compensation?
As disclosed, 99.58% of shareholders supported Consumers Bancorp Inc's executive compensation in the latest say-on-pay vote.
How much does Consumers Bancorp Inc spend in total on board compensation for fiscal 2026?
As disclosed, Consumers Bancorp Inc reported total board compensation of $623,403 for fiscal 2026.

Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, Ralph Lober IIDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation”. As printed: 1,037,169. Filing ↗machine: span 341931–341940
2Section 01, Renee WoodDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation”. As printed: 475,639. Filing ↗machine: span 356963–356970
3Section 01, Suzanne MikesDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation”. As printed: 388,082. Filing ↗machine: span 371871–371878
4Section 03, Suzanne Mikes RSUDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 368908–368914
5Section 03, Ralph Lober II RSUDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 339386–339392
6Section 03, Renee Wood RSUDEF 14A2026-09-100001437749-26-030041Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 354000–354006
7Section 07, pay ratio10-K2025-09-050001437749-25-028445Section “CEO Pay Ratio”. As printed: —. Filing ↗
8Section 08, Frank L. PadenDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 70,020. Filing ↗machine: span 136447–136453
9Section 08, John W. ParkinsonDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 62,020. Filing ↗machine: span 138347–138353
10Section 08, Laurie L. McClellanDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 61,020. Filing ↗machine: span 134550–134556
11Section 08, Richard T. Kiko JrDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 59,020. Filing ↗machine: span 132648–132654
12Section 08, Joseph GerzinaDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 58,020. Filing ↗machine: span 126941–126947
13Section 08, Ann M. GanoDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 56,020. Filing ↗machine: span 125044–125050
14Section 08, David BickertonDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 55,020. Filing ↗machine: span 123150–123156
15Section 08, Shawna L. L’ItalienDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 55,020. Filing ↗machine: span 130745–130751
16Section 08, Michael A. WheelerDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 54,620. Filing ↗machine: span 140248–140254
17Section 08, Bradley GorisDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 54,120. Filing ↗machine: span 128837–128843
18Section 08, Renee K. WoodDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 26,840. Filing ↗
19Section 08, Suzanne N. MikesDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 11,663. Filing ↗
20Section 08, Ralph J. Lober IIDEF 14A2026-09-100001437749-26-030041Section “Director Compensation”. As printed: 0. Filing ↗
21Section 02, Ralph J. Lober II 2026-09-14Form 42026-09-160001437749-26-030539Insider equity transaction reported since the proxy statement. Filing ↗
22Section 02, Frank L. Paden 2026-09-15Form 42026-09-160001437749-26-030548Insider equity transaction reported since the proxy statement. Filing ↗
23Section 02, Hillary A. Hudak 2026-09-15Form 42026-09-160001437749-26-030543Insider equity transaction reported since the proxy statement. Filing ↗
24Section 02, Kimberly K. Chuckalovchak 2026-09-15Form 42026-09-160001437749-26-030545Insider equity transaction reported since the proxy statement. Filing ↗
25Section 02, Ralph J. Lober II 2026-09-17Form 42026-09-210001437749-26-030775Insider equity transaction reported since the proxy statement. Filing ↗
26Section 02, David Bickerton 2026-09-28Form 42026-09-280001437749-26-031384Insider equity transaction reported since the proxy statement. Filing ↗
27Section 02, David Bickerton 2026-09-28Form 42026-09-280001437749-26-031384Insider equity transaction reported since the proxy statement. Filing ↗
28Section 02, Ralph J. Lober II 2026-09-28Form 42026-09-280001437749-26-031383Insider equity transaction reported since the proxy statement. Filing ↗
29Section 02, Ralph J. Lober II 2026-09-28Form 42026-09-280001437749-26-031383Insider equity transaction reported since the proxy statement. Filing ↗
30Section 02, Suzanne N. Mikes 2026-09-28Form 42026-09-280001437749-26-031380Insider equity transaction reported since the proxy statement. Filing ↗
31Section 02, Suzanne N. Mikes 2026-09-28Form 42026-09-280001437749-26-031380Insider equity transaction reported since the proxy statement. Filing ↗
32Section 02, Renee Wood 2026-09-28Form 42026-09-280001437749-26-031382Insider equity transaction reported since the proxy statement. Filing ↗
33Section 02, Renee Wood 2026-09-28Form 42026-09-280001437749-26-031382Insider equity transaction reported since the proxy statement. Filing ↗
34Section 02, David E. Benavides 2026-09-28Form 42026-09-280001437749-26-031387Insider equity transaction reported since the proxy statement. Filing ↗
35Section 02, David E. Benavides 2026-09-28Form 42026-09-280001437749-26-031387Insider equity transaction reported since the proxy statement. Filing ↗
36Section 02, Hillary A. Hudak 2026-09-28Form 42026-09-280001437749-26-031386Insider equity transaction reported since the proxy statement. Filing ↗
37Section 02, Hillary A. Hudak 2026-09-28Form 42026-09-280001437749-26-031386Insider equity transaction reported since the proxy statement. Filing ↗
38Section 02, Kimberly K. Chuckalovchak 2026-09-28Form 42026-09-280001437749-26-031385Insider equity transaction reported since the proxy statement. Filing ↗
39Section 02, Kimberly K. Chuckalovchak 2026-09-28Form 42026-09-280001437749-26-031385Insider equity transaction reported since the proxy statement. Filing ↗
40Section 02, Derek G. Williams 2026-09-28Form 42026-09-280001437749-26-031381Insider equity transaction reported since the proxy statement. Filing ↗
41Section 02, Derek G. Williams 2026-09-28Form 42026-09-280001437749-26-031381Insider equity transaction reported since the proxy statement. Filing ↗
42Section 06, 2025 voteForm 8-K2025-10-280001437749-25-031870Item 5.07 · say-on-pay result. As reported: 99.58% (votes for as printed: 1,364,375.0). Filing ↗
43Section 06, 2022 voteForm 8-K2022-11-010001437749-22-025274Item 5.07 · say-on-pay result. As reported: 99.28% (votes for as printed: 1,791,778.2). Filing ↗
44Section 06, 2019 voteForm 8-K2019-10-180001437749-19-020281Item 5.07 · say-on-pay result. As reported: 85.55%. Filing ↗
45Section 01 trend, Δ column (computed)Computed——Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1)
46Section 03b vehicle mix (computed)Computed——RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio
47Section 09b board cost (computed)Computed——Cash 424,700 + equity 160,200 + all other 38,503 = 623,403, summed across the director compensation table rows.machine: formula: Σ = 623,403
48Consumers Bancorp Inc (subject), Section 10b CEO totalDEF 14A2026-09-100001437749-26-030041CEO total compensation as printed in Consumers Bancorp Inc's own proxy. As printed: 1,037,169. Filing ↗machine: span 341931–341940

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