Consumers Bancorp operates Consumers National Bank, a community bank serving northeast Ohio, western Pennsylvania, and northern West Virginia through 23 branch locations and one loan production office. The bank's core business consists of taking deposits from consumers and commercial clients and providing commercial, mortgage, and consumer loans to individuals, farmers, and small and medium-sized businesses. In addition to core lending and deposit gathering, Consumers Bancorp offers mortgage origination, financial planning, and investment services. The bank also maintains a securities portfolio composed of municipal bonds, U.S. government-sponsored agency obligations, and mortgage-backed securities. Consumers Bancorp generates the majority of its earnings from net interest income, capturing the spread between the interest earned on loans and securities and the interest paid on deposits, supplemented by non-interest fee income from advisory and mortgage services. The bank's strategy centers on relationship-based banking, local credit decisions, and personalized service.