CF Bankshares (CFBK) COO has 568 shares used for tax withholding

Rhea-AI Filing Summary

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.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McKinney Marianne

Role EVP & Chief Operating Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock 12520L 109	568	$28.22	$16K

Holdings After Transaction: Common Stock 12520L 109 — 14,866 shares (Direct)

Footnotes (1)

Key Figures

Shares used for tax withholding: 568 shares Tax-withholding price: $28.22 per share Shares held after transaction: 14,866 shares

3 metrics

Shares used for tax withholding 568 shares Tax-withholding disposition on common stock

Tax-withholding price $28.22 per share Value per share for F-code disposition

Shares held after transaction 14,866 shares Direct common stock ownership post-transaction

Key Terms

Form 4, tax-withholding disposition, Common Stock, non-derivative

4 terms

Form 4 regulatory

"as reported in a Form 4 filing"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

tax-withholding disposition financial

"The transaction was classified as a 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

"568 shares of common stock"

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.

non-derivative financial

"the transaction_type is listed as non-derivative"

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^*

McKinney Marianne

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & Chief Operating Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/24/2026

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	03/24/2026		F		568	D	$28.22	14,866	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 Marianne McKinney	04/07/2026
	** 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 executive Marianne McKinney report?

Marianne McKinney reported a tax-withholding disposition of 568 shares of CF Bankshares common stock. The shares were delivered to satisfy tax obligations, not sold in the open market, and the transaction was coded as an F on Form 4.

At what price were Marianne McKinney’s CFBK shares used for tax withholding?

The 568 shares of CF Bankshares common stock were valued at $28.22 per share for the tax-withholding disposition. This per-share price is used solely to determine the value of shares delivered to cover the tax liability described in the Form 4.

How many CFBK shares does Marianne McKinney hold after this Form 4 transaction?

Following the reported tax-withholding disposition, Marianne McKinney directly holds 14,866 shares of CF Bankshares common stock. This post-transaction balance reflects her remaining direct ownership after 568 shares were delivered to satisfy tax-related obligations.

Was the CFBK Form 4 transaction an open-market sale by Marianne McKinney?

No. The Form 4 classifies the event as a tax-withholding disposition coded F, meaning shares were delivered to pay an exercise price or tax liability. It is not recorded as an open-market purchase or sale transaction in the filing.

What role does Marianne McKinney hold at CF Bankshares Inc. (CFBK)?

Marianne McKinney is listed as Executive Vice President and Chief Operating Officer of CF Bankshares Inc. in the Form 4. Her officer status is disclosed alongside the reported tax-withholding share disposition involving the company’s common stock.