[Form 4] CF Bankshares Inc. Insider Trading Activity

Rhea-AI Filing Summary

Marianne McKinney, EVP & Chief Operating Officer of CF Bankshares Inc. (CFBK), reported a sale of 1,700 shares of the issuer's common stock on 08/18/2025 at a price of $24.5404 per share. After the sale she beneficially owned 10,283 shares, held directly. The Form 4 was signed on 08/19/2025 by Kevin J. Beerman for Ms. McKinney.

Positive

• Insider transaction fully disclosed with transaction date, price, quantity, and post-transaction holdings
• Reporting person and role clearly identified (Marianne McKinney, EVP & Chief Operating Officer)

Negative

• Insider sale of 1,700 shares which reduces the executive's direct holdings
• No additional context provided (e.g., purpose of sale or indication of a pre-arranged trading plan)

Insights

Financial Analyst

TL;DR Routine insider sale by a senior executive; disclosure documents show specifics of size and price.

The Form 4 documents a straightforward, non-derivative sale of 1,700 common shares by Marianne McKinney, EVP & Chief Operating Officer, at $24.5404 per share on 08/18/2025, leaving her with 10,283 shares beneficially owned. This is a direct sale and the filing identifies the reporter's relationship to the issuer. The filing does not contain additional context such as liquidity plans, purpose, or whether the sale was part of a pre-arranged plan.

Corporate Governance Expert

TL;DR Document provides clear insider transaction disclosure but no governance concerns are evident from the filing alone.

The Form 4 fulfills Section 16 reporting by identifying the reporting person, role (EVP & COO), transaction date, number of shares sold, sale price, and post-transaction beneficial ownership (10,283 shares). The signature block shows the filing was executed on 08/19/2025. There is no indication in the filing of any related-party transactions, suspensions, or rule 10b5-1 plan specifics.

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
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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 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)
08/18/2025

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	08/18/2025		S		1,700	D	$24.5404	10,283	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	08/19/2025
	** 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.

FAQ

What transaction was reported on the Form 4 for CFBK?

The Form 4 reports a sale of 1,700 common shares of CF Bankshares Inc. on 08/18/2025 at $24.5404 per share.

Who filed the Form 4 for symbol CFBK?

The reporting person is Marianne McKinney, identified as EVP & Chief Operating Officer; the Form was signed by Kevin J. Beerman for Ms. McKinney on 08/19/2025.

How many CFBK shares does the insider own after the reported transaction?

After the sale, the filing reports the insider beneficially owned 10,283 shares, held directly.

Was the reported transaction derivative or non-derivative?

The reported transaction was a non-derivative sale of common stock; no derivative transactions are listed in Table II.

Does the Form 4 indicate a 10b5-1 trading plan or similar?

The filing does not indicate that the transaction was made pursuant to a Rule 10b5-1 trading plan; no such plan details are provided.