Welcome to our dedicated page for CF Bankshares SEC filings (Ticker: CFBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
CF Bankshares Inc. filings document the financial condition, governance and capital actions of the holding company for CFBank, National Association. Form 8-K reports include quarterly and annual results, Regulation FD communications tied to annual-report materials, stock repurchase program disclosures, and board-level changes at the company and its wholly owned bank subsidiary.
Proxy materials cover director elections, executive compensation, shareholder meeting matters and corporate-governance procedures. The filing record also reflects banking-specific disclosures such as loan growth, deposit funding, net interest margin, credit-loss provisions, capital ratios, common stock dividends, Series D preferred stock dividend disclosures and related ownership or board-designation arrangements.
CF Bankshares Inc. reported the voting results from its Annual Meeting of Stockholders. Stockholders elected Robert E. Hoeweler and Bradley J. Ringwald to three-year board terms expiring in 2029. A non-binding advisory resolution approving executive compensation and the ratification of Plante & Moran PLCC as independent auditor for 2026 also passed.
At the meeting, 4,584,467 shares of Voting Common Stock were represented out of 6,422,917 shares outstanding and entitled to vote as of the record date.
CF Bankshares Inc. outlines a growth-focused strategy centered on commercial and residential lending and fee-based services. Core commercial loans grew by about $45 million in Q1 2026, a 15% annualized rate, despite nearly $100 million of loan payoffs and amortization, which are expected to decline through the rest of 2026.
The company nearly doubled its Commercial Banking team during 2025, supporting expanding loan and deposit pipelines across five major metro markets. It expects higher residential mortgage volumes and greater mortgage gain-on-sale income, aided by targeted rate buydown programs designed to refinance lower-rate loans into higher-yielding assets.
Management also points to opportunities for margin expansion while facing pricing pressure on some large deposits, and anticipates increased earnings contributions from Treasury Management, swap fees and mortgage gain-on-sale revenue. Reported book value was $28.20 per share as of March 31, 2026.
CF Bankshares Inc. director Robert E. Hoeweler reported a bona fide gift of 1,450 shares of common stock. The shares were transferred at no stated price per share.
After the gift, he directly holds 76,112 common shares, indicating he retains a substantial ongoing ownership stake in the company.
AllianceBernstein L.P. reported beneficial ownership of 240,563 shares of CF Bankshares Inc Common Stock, representing 3.7% of the class as of 03/31/2026. The position is held solely for investment purposes in client discretionary advisory accounts and AllianceBernstein reports voting and dispositive power over these shares.
CF Bankshares Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $5.0 million from $4.4 million a year earlier, and diluted earnings per common share increased to $0.77 from $0.68.
Total assets reached $2.15 billion, with net loans and leases of $1.76 billion and deposits of $1.81 billion. Net interest income improved to $13.3 million, while the provision for credit losses was $0.6 million. Noninterest income increased modestly and noninterest expenses also moved higher.
Credit quality metrics showed a larger allowance for credit losses on loans of $18.6 million and nonaccrual loans of $20.3 million, a portion of which is guaranteed by the SBA. Capital remained solid, with stockholders’ equity at $189.0 million and continued common and preferred dividends.
CF Bankshares Inc. reported first quarter 2026 net income of $5.0 million, or $0.77 per diluted share, up 13% from $4.4 million, or $0.68 per share, in the first quarter of 2025. Pre-provision, pre-tax net revenue was $6.5 million, a 5.4% increase year over year. Return on average equity was 10.74% and return on average assets was 0.97%.
Net interest income rose to $13.3 million, up 3.2% from a year earlier, while the net interest margin expanded to 2.69% from 2.64%, despite the impact of placing a $5.0 million non-core commercial loan on nonaccrual. Noninterest income grew 23% to $1.5 million, driven largely by higher service charges on deposit accounts.
Gross loans and leases reached $1.8 billion, up $23.4 million from year-end 2025, and deposits also totaled $1.8 billion. Asset quality metrics softened modestly, with nonaccrual loans rising to $20.3 million, or 1.14% of total loans, and the allowance for credit losses increasing to $18.6 million, or 1.05% of total loans. Capital remained strong, highlighted by a Tier 1 leverage ratio of 11.76% and a total capital ratio of 15.15%. The company declared a cash dividend of $0.09 per common share for the quarter.
CF Bankshares Inc. CEO Timothy T. O'Dell reported a routine tax-related share disposition. On April 11, 2026, 5,000 shares of common stock were withheld at $29.49 per share to cover tax obligations, leaving him with 297,871 directly held shares. He also reports indirect holdings through his spouse and as custodian for a family member.
CF Bankshares Inc. furnished a shareholder letter outlining its 2025 strategic progress and 2026 outlook. Management highlights continued investment in expanding and strengthening CFBank’s Regional Banking teams, with a core focus on scaling its relationship-driven Commercial Banking franchise.
The company reports that during 2025 it nearly doubled the size of its Regional Business Banking teams to win high-quality, full-service commercial relationships from larger competitors. It is also adding proven mortgage loan producers to increase salable residential mortgage volumes and non-interest fee income, and building its Treasury Management line of business, including targeted nonprofit clients.
Leadership emphasizes disciplined, high-quality growth, strong execution, and long-term shareholder value. Through April 1, 2026, the 1-year total return of CF Bankshares stock was +28%, compared with +12% for the NASDAQ Bank Index, as the company seeks to scale its commercial and residential lending platforms.
CF Bankshares Inc. is holding its 2026 annual stockholders meeting virtually on May 27, 2026 at 10:00 a.m. Eastern. Stockholders of record as of April 2, 2026, when 6,422,917 voting common shares were outstanding, may participate and vote online using a 16-digit control number.
Owners will vote on electing two directors for three-year terms, an advisory resolution on executive compensation, and ratifying Plante & Moran, PLLC as auditor for 2026. The proxy also outlines board independence, committee structure, related-party policies, and detailed 2024–2025 compensation for directors and top executives, including salary, cash incentives, restricted stock and deferred cash incentive arrangements.
CF Bankshares Inc. director and Bank President Bradley J. Ringwald reported a routine tax-withholding disposition of shares. On April 11, 2026, 592 shares of CF Bankshares Inc. common stock were disposed of at $29.49 per share to cover tax obligations.
Following this tax-withholding transaction, Ringwald directly held 37,680 shares of common stock. This disposition reflects shares withheld for taxes rather than an open-market sale and represents a small portion of his total direct holdings.