Here are the 10-K annual reports from CF Bankshares Inc. (CFBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CFBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFBK filings page.
CF Bankshares Inc. reports on its 2025 operations, highlighting a balance sheet with $2.1 billion in assets and $184.4 million in stockholders’ equity at December 31, 2025. The loan portfolio reached $1.76 billion, led by commercial, commercial real estate and multi-family loans of $1.3 billion, or 72.1% of gross loans.
Portfolio single-family residential mortgage loans totaled $445.1 million, while consumer loans were $45.4 million. The allowance for credit losses on loans was $17.7 million, or 1.01% of total loans, after $7.5 million of provision expense and $7.3 million in net charge-offs. Nonaccrual loans were $15.3 million, including $5.1 million guaranteed by the SBA.
On the funding side, average deposits were $1.76 billion in 2025, with certificates of deposit and money market accounts the largest components, and brokered deposits of $400.4 million at year-end. CFBank also had $58.0 million in FHLB advances and access to additional FHLB and Federal Reserve borrowing capacity.