Every 8-K 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 8-K covers material events a company has to report between its quarterly 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 strong Q2 2026 results, with net income of $5.9 million, or $0.90 per diluted share, up 18% from Q1 2026 and 17% from Q2 2025. Pre-provision, pre-tax net revenue was $8.2 million, 26% higher than the prior quarter. Return on average equity reached 12.31% and return on average assets was 1.11%. Net interest margin improved to 2.93%, supported in part by $370,000 of commercial loan prepayment penalty income and higher yields on interest-earning assets.
Noninterest income rose to $1.7 million, driven by higher swap fees and service charges, while noninterest expense was stable at $8.3 million, producing an improved efficiency ratio of 50.4%. Loans and leases grew to $1.8 billion, led by commercial real estate, while deposits increased to $1.8 billion with a notable $33 million rise in noninterest-bearing balances. Asset quality softened as nonaccrual loans increased to $20.8 million (1.15% of loans) and loans 30+ days past due reached $20.4 million; the allowance for credit losses rose to $19.4 million (1.07% of loans). Capital remained strong, with a Tier 1 leverage ratio of 11.64%, total risk-based capital ratio of 14.76%, and book value per share of $29.04.
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. 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. 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. reported a board change linked to a previously announced director resignation. On March 25, 2026, the boards of the company and its subsidiary CFBank appointed Bradley Ringwald, currently President of CFBank, as director to fill the vacancy left by Sundeep Rana.
Ringwald will serve in the same director class as his predecessor, with a term expiring at the company’s 2026 Annual Meeting of Stockholders. He was recommended by the Corporate Governance and Nominating Committee, with no special arrangements or related-party relationships requiring disclosure beyond his existing executive employment and ordinary-course banking relationships.
CF Bankshares Inc. filed a current report to note that it has released its financial results for the fourth quarter and full year ended December 31, 2025. On February 5, 2026, the company issued an earnings press release, which is furnished as Exhibit 99.1 to this report.
The filing classifies this information under results of operations and financial condition and confirms that the company’s (voting) common stock continues to trade on The Nasdaq Global Market under the symbol CFBK.
CF Bankshares Inc. disclosed that its Board of Directors has extended the company’s existing stock repurchase program to August 15, 2026. The program, originally approved on January 29, 2025, authorizes the company to repurchase up to 325,000 shares of its common stock, which is described as approximately 5% of its outstanding common shares, beyond the prior end date of January 31, 2026.
As of this update, the company reports that 54,644 shares have been repurchased under the program. Future repurchases may occur from time to time through open market and privately negotiated transactions, in compliance with applicable securities laws, and may utilize Rule 10b5-1 trading arrangements. The company notes that there is no guarantee of the number or value of shares that will ultimately be repurchased, and the program can be suspended or discontinued at any time.
CF Bankshares Inc. reported that director Sundeep Rana resigned from its Board effective December 15, 2025. He had served since July 28, 2021 as the representative of Castle Creek Capital Partners VII, L.P. under a 2019 Securities Purchase Agreement. His resignation was required because Castle Creek and its affiliates no longer own at least 4.9% of the company’s outstanding common stock, which triggered a provision in that agreement. Mr. Rana stated that his decision was not due to any disagreement with the company’s operations, policies, or practices.
CF Bankshares Inc. reported that it issued a press release with financial results for the third quarter ended September 30, 2025. The company filed an 8-K on November 3, 2025 to announce the release and furnished it as Exhibit 99.1. CF Bankshares’ (CFBK) common stock is listed on the Nasdaq Global Market.
CF Bankshares Inc. updated its share counts following conversions of non-voting stock into voting stock. The company had 6,276,775 shares of Voting Common Stock and 167,000 shares of Non-Voting Common Stock outstanding as of September 26, 2025.
After the issuance of 90,300 shares of Voting Common Stock upon conversion of Non-Voting Common Stock, outstanding shares changed to 6,367,075 Voting Common Stock and 76,700 Non-Voting Common Stock as of October 3, 2025. This 8-K simply reports the updated capital structure.
CF Bankshares Inc. reports a change in its common stock mix after conversions of non-voting into voting shares. The company previously had 6,036,775 shares of Voting Common Stock outstanding and 407,000 shares of Non-Voting Common Stock outstanding at September 15, 2025. Following the issuance of 240,000 shares of Voting Common Stock upon the conversion of Non-Voting Common Stock, there were 6,276,775 shares of Voting Common Stock outstanding and 167,000 shares of Non-Voting Common Stock outstanding at September 26, 2025. This update reflects a shift from non-voting to voting equity rather than the creation of a new share class.
CF Bankshares Inc. reported updated common share counts following recent conversions and minor share reductions. The company previously had 5,772,207 shares of Voting Common Stock and 675,300 shares of Non-Voting Common Stock outstanding as of August 4, 2025. Since then, 268,300 shares of Non-Voting Common Stock were converted into Voting Common Stock, increasing the voting base. This was partially offset by the company’s purchase of 3,240 shares of Voting Common Stock as treasury shares and the forfeiture of 492 restricted Voting Common shares. As a result, at September 15, 2025, CF Bankshares had 6,036,775 Voting Common shares and 407,000 Non-Voting Common shares outstanding.