Every 10-Q that CF Bankshares Inc. (CFBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported improved profitability for the quarter ended June 30, 2026. Net income was $5,912 compared with $5,035 a year earlier, and net income attributable to common stockholders was $5,731 with diluted EPS of $0.90 versus $0.77. Net interest income increased to $14,844 from $14,001 as interest expense declined even though total interest and dividend income was slightly lower. Provision for credit losses decreased to $944 from $1,427, while noninterest income rose to $1,701 and noninterest expense increased to $8,338.
Total assets were $2,169,586 at June 30, 2026, up from $2,117,321 at December 31, 2025, driven by loans and leases, net of allowance, of $1,798,584 and deposits of $1,828,656. The allowance for credit losses on loans grew to $19,436 from $17,678, and nonaccrual loans rose to $20,835 from $15,329. Stockholders’ equity increased to $194,336, supported by retained earnings of $113,650, while common shareholders received cash dividends totaling $0.18 per share for the first six months of 2026.
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. (CFBK) filed its Q3 2025 Form 10‑Q, reporting quarterly results and updated balance sheet metrics. Net income for the quarter was $2.34M, or $0.36 per diluted share, with net interest income of $13.79M. Provision for credit losses rose to $5.07M, reflecting higher credit costs in the period. Noninterest income was $1.72M and noninterest expense was $7.73M.
For the first nine months, net income reached $11.81M versus $8.97M a year ago. Total assets were $2.11B, loans and leases net were $1.73B with an allowance for credit losses of $16.84M, and deposits totaled $1.78B. Cash and cash equivalents increased to $272.36M. The securities portfolio available for sale had a fair value of $9.20M, with unrealized losses concentrated in one corporate debt holding; no credit loss allowance was recorded. As of November 4, 2025, the company reported 6,367,075 voting common shares and 76,700 non‑voting common shares outstanding.
CFBK’s Q2-25 results show a sharp earnings rebound. Net interest income rose 23% YoY to $14.0 m as deposit-cost moderation (interest expense −9%) outpaced modest 3.6% asset-yield growth. Credit costs normalized; the loan loss provision fell to $1.4 m (-60% YoY), lifting net income to $5.0 m versus $1.7 m a year ago. Diluted EPS jumped to $0.77 from $0.26; 6M-25 EPS is $1.45 (↑96%).
Balance-sheet expansion remained measured. Total assets increased 3.3% YTD to $2.13 bn, driven by 1.9% net loan growth and a $40 m liquidity build (cash & equivalents now $275.7 m). Deposits grew 3.1% to $1.81 bn, but remain 84% interest-bearing, keeping funding costs elevated (deposit expense $15.2 m, 50% of interest income).
Asset quality metrics were stable. The allowance for credit losses rose 9.4% YTD to $19.1 m, equating to 1.08% of loans, after $0.2 m net charge-offs. Non-performing detail was not provided, but management recorded only one $0.5 m OREO transfer.
Capital improved: tangible equity climbed 5% to $177 m (8.3% of assets) despite $0.9 m dividends and $0.8 m buybacks. AOCI drag from the AFS portfolio narrowed slightly to −$1.6 m.
Key takeaways:
- Earnings leverage from lower funding costs is materialising.
- Credit remains benign; reserves built conservatively.
- High interest-bearing deposit mix continues to cap margin upside.