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. (NASDAQ: CFBK) files reports and other documents with the U.S. Securities and Exchange Commission (SEC) that provide detailed information about its banking operations and financial condition. This page organizes those CFBK SEC filings and adds AI-generated summaries to help readers interpret the technical language used in regulatory reports.
Through its banking subsidiary CFBank, National Association, CF Bankshares Inc. operates as a boutique commercial bank focused on closely held businesses and entrepreneurs. In its periodic filings, such as annual reports on Form 10-K and quarterly reports on Form 10-Q, the company presents information on net interest income, loan and lease portfolios, construction lending, commercial and residential real estate exposure, deposit composition, noninterest income and expense, asset quality, and capital ratios. These filings also explain the use of non-GAAP measures like pre-provision, pre-tax net revenue (PPNR) alongside GAAP results.
Current reports on Form 8-K provide more targeted disclosures. Recent 8-K filings have addressed quarterly earnings releases, extensions of the stock repurchase program, changes in the composition of the board of directors, and updates on the number of outstanding voting and non-voting common shares following conversions and repurchases. These documents can be important for understanding capital management, governance changes, and share structure for CFBK stock.
On this page, users can quickly access 10-K, 10-Q, and 8-K filings for CF Bankshares Inc., as well as other forms when available. AI-powered summaries highlight key points from each filing, such as trends in commercial loan production, deposit and funding dynamics, asset quality metrics, and details of the company’s stock repurchase program and dividend activity. For those interested in insider activity, related forms like Form 4 can be used to review transactions by directors and officers.
By combining real-time updates from the SEC’s EDGAR system with concise AI explanations, this filings page is designed to make CF Bankshares Inc.’s regulatory disclosures more accessible to investors, analysts, and others researching CFBK.
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.
CF Bankshares Inc. EVP and Chief Credit Officer Timothy Meder had 267 shares of Common Stock withheld on April 11, 2026 to cover tax obligations. The shares were valued at $29.49 per share for this tax-withholding disposition. After this non-market transaction, he directly holds 16,256 shares of Common Stock.
CF Bankshares Inc. executive vice president and chief operating officer Marianne McKinney reported a small tax-related share disposition. On the Form 4, 247 shares of common stock were delivered at $29.49 per share to satisfy tax or exercise obligations, leaving her with 14,619 directly owned shares afterward.
CF Bankshares Bank President Bradley J. Ringwald reported a tax-withholding disposition of 987 shares of common stock on March 24, 2026 at $28.22 per share. These shares were delivered to cover an exercise price or tax liability, not sold in the open market. After this transaction, he directly holds 38,272 common shares, so the disposition represents a small portion of his reported holdings.
CF Bankshares Inc. executive Marianne McKinney had 568 shares of common stock disposed of on her behalf to cover tax obligations, as reported in a Form 4 filing. The transaction was classified as a tax-withholding disposition at a price of $28.22 per share. After this non-market transaction, she directly holds 14,866 shares of CF Bankshares common stock.
CF Bankshares EVP & Chief Credit Officer Timothy Meder had 594 shares of common stock withheld on March 24 as a tax-withholding disposition. The shares were valued at $28.22 each and were used to cover tax obligations tied to equity compensation, not an open-market sale.
After this non-market transaction, Meder directly holds 16,523 shares of CF Bankshares common stock.