Executive at CF Bankshares (CFBK) granted 5,500 restricted stock awards

Rhea-AI Filing Summary

CF Bankshares EVP & Chief Operating Officer Marianne McKinney reported an equity award rather than an open-market trade. On February 23, 2026, she acquired 5,500 shares of common stock through a grant of restricted stock awards at a stated price of $0.00 per share under the Central Federal Corporation 2019 Equity Incentive Plan. These restricted shares are scheduled to vest over a three-year period, and following the grant her directly held common stock position increased to 15,434 shares.

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

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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 OH 43081

(City) (State) (Zip)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/23/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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(1)	02/23/2026		A		5,500	A	$0.00	15,434	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:

1. Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

	Kevin J. Beerman for Marianne McKinney	02/25/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did CFBK executive Marianne McKinney report?

Marianne McKinney reported receiving an equity grant, not an open-market trade. She was awarded 5,500 shares of CF Bankshares common stock as restricted stock awards, increasing her directly held position to 15,434 shares after the transaction.

How many CF Bankshares (CFBK) shares were granted to Marianne McKinney?

She was granted 5,500 shares of CF Bankshares common stock. These shares are structured as restricted stock awards, meaning they are subject to vesting conditions rather than being immediately unrestricted, and they were reported at a stated price of $0.00 per share.

What is the vesting schedule for Marianne McKinney’s CFBK restricted stock?

The 5,500 CF Bankshares shares are restricted stock awards that vest over three years. This means the shares become fully owned in stages during that period, in line with the terms of the Central Federal Corporation 2019 Equity Incentive Plan.

What is Marianne McKinney’s CF Bankshares ownership after this Form 4?

After the award, Marianne McKinney directly holds 15,434 shares of CF Bankshares common stock. This total includes the newly granted 5,500 restricted shares reported in the Form 4 insider filing, which remain subject to a three-year vesting schedule.

Was cash paid for Marianne McKinney’s new CFBK shares?

No cash purchase was reported for these shares. The Form 4 shows a transaction price of $0.00 per share, indicating the 5,500 CF Bankshares shares were received as a grant of restricted stock awards rather than bought in the market.

Under which plan were Marianne McKinney’s CFBK restricted shares granted?

The restricted stock awards were granted under the Central Federal Corporation 2019 Equity Incentive Plan. This plan provides for equity-based compensation, and the footnote explains that McKinney’s 5,500-share award vests over a three-year period from the grant date.