CF Bankshares (NASDAQ: CFBK) president reports small tax-withholding share disposition

Rhea-AI Filing Summary

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.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Ringwald Bradley J

Role Bank President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock 12520L 109	592	$29.49	$17K

Holdings After Transaction: Common Stock 12520L 109 — 37,680 shares (Direct)

Footnotes (1)

Key Figures

Shares disposed for tax withholding: 592 shares Transaction price per share: $29.49 per share Shares held after transaction: 37,680 shares

3 metrics

Shares disposed for tax withholding 592 shares Common stock, transaction code F on April 11, 2026

Transaction price per share $29.49 per share Price used for tax-withholding disposition

Shares held after transaction 37,680 shares Direct ownership following tax-withholding disposition

Key Terms

tax-withholding disposition, Common Stock, Payment of exercise price or tax liability by delivering securities

3 terms

tax-withholding disposition financial

"transaction_action: "tax-withholding disposition""

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Common Stock financial

"security_title: "Common Stock 12520L 109""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Payment of exercise price or tax liability by delivering securities financial

"transaction_code_description: "Payment of exercise price or tax liability by delivering securities""

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Ringwald Bradley J

(Last) (First) (Middle)

4960 E. DUBLIN GRANVILLE RD

SUITE #400

(Street)

COLUMBUS OHIO 43081

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CF BANKSHARES INC. [ CFBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Bank President

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/11/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock 12520L 109	04/11/2026		F		592	D	$29.49	37,680	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	Kevin J. Beerman for Bradley J. Ringwald	04/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did CFBK Bank President Bradley J. Ringwald report?

Bradley J. Ringwald reported a tax-withholding disposition of 592 CF Bankshares Inc. common shares. The shares were disposed of at $29.49 each to satisfy tax obligations, rather than through an open-market sale, indicating a routine administrative transaction linked to equity compensation.

How many CFBK shares does Bradley J. Ringwald hold after this Form 4 filing?

After the reported transaction, Bradley J. Ringwald directly holds 37,680 shares of CF Bankshares Inc. common stock. This shows that the 592 shares used for tax withholding represent only a small fraction of his overall direct ownership position in the company.

Was the CFBK insider transaction a market sale or tax withholding?

The CF Bankshares Inc. insider transaction was classified as a tax-withholding disposition, not an open-market sale. Code “F” on the Form 4 indicates shares were delivered to cover tax liabilities tied to equity compensation, rather than being voluntarily sold in the open market.

What transaction code was used in Bradley Ringwald’s CFBK Form 4 filing?

The Form 4 lists transaction code “F” for Bradley Ringwald’s transaction in CF Bankshares Inc. shares. This code is defined as “Payment of exercise price or tax liability by delivering securities,” reflecting a tax-withholding disposition instead of a standard buy or sell trade.

How large was the tax-withholding share disposition for CFBK’s Bank President?

The tax-withholding disposition for CF Bankshares Inc.’s Bank President involved 592 common shares. These shares were valued at $29.49 per share in the transaction, and the disposition was used to satisfy related tax obligations arising from equity compensation events.