CF Bankshares (CFBK) EVP awarded 4,500 restricted shares in equity plan

Rhea-AI Filing Summary

Meder Timothy reported acquisition or exercise transactions in this Form 4 filing.

CF Bankshares Inc. executive Timothy Meder reported an equity award of company stock. He received 4,500 shares of common stock as a restricted stock award under the Central Federal Corporation 2019 Equity Incentive Plan. These shares vest over a three-year period, bringing his directly held total to 17,117 shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Meder Timothy

Role EVP & Chief Credit Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock 12520L 109	4,500	$0.00	--

Holdings After Transaction: Common Stock 12520L 109 — 17,117 shares (Direct)

Footnotes (1)

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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
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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^*

Meder Timothy

(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 Credit 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		4,500	A	$0.00	17,117	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 Timothy Meder	02/25/2026
	** 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.

FAQ

What insider transaction did CFBK executive Timothy Meder report on this Form 4?

Timothy Meder reported an equity award of 4,500 shares of CF Bankshares common stock. The award was granted as restricted stock, not an open-market purchase, and increases his directly held position to 17,117 shares after the transaction.

Was the CFBK insider transaction a stock purchase or a restricted stock award?

The transaction was a restricted stock award, not a market purchase. Form 4 lists transaction code “A” for grant, with a price of $0.0000 per share, reflecting shares granted under an equity incentive plan rather than bought in the market.

How many CF Bankshares (CFBK) shares does Timothy Meder hold after this award?

After receiving 4,500 restricted shares, Timothy Meder directly holds 17,117 shares of CF Bankshares common stock. This total reflects his ownership following the reported equity award transaction and is disclosed in the Form 4 ownership table.

What plan governs the CF Bankshares restricted stock granted to Timothy Meder?

The restricted stock award is granted under the Central Federal Corporation 2019 Equity Incentive Plan. Footnotes explain that the 4,500 shares represent common stock underlying restricted stock awards issued pursuant to this plan, subject to time-based vesting conditions.

What is the vesting schedule for Timothy Meder’s CFBK restricted stock award?

The 4,500 restricted shares are subject to vesting over a three-year period. According to the footnote, these awards gradually become fully owned as vesting conditions are met, aligning executive incentives with the company’s longer-term performance.

Did Timothy Meder pay any price per share for the CF Bankshares restricted stock?

No cash price was paid for the award; the Form 4 shows a transaction price of $0.0000 per share. This indicates the shares were granted as compensation under an equity incentive plan rather than purchased on the open market.