CF Bankshares (NASDAQ: CFBK) EVP logs routine 594-share tax withholding on Form 4

Rhea-AI Filing Summary

CF Bankshares EVP & Chief Credit Officer Timothy Meder had 594 shares of common stock withheld on March 24 as a tax-withholding disposition. The shares were valued at $28.22 each and were used to cover tax obligations tied to equity compensation, not an open-market sale.

After this non-market transaction, Meder directly holds 16,523 shares of CF Bankshares common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Meder Timothy

Role EVP & Chief Credit Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock 12520L 109	594	$28.22	$17K

Holdings After Transaction: Common Stock 12520L 109 — 16,523 shares (Direct)

Footnotes (1)

Key Figures

Shares used for tax withholding: 594 shares Price per share for withholding: $28.22 per share Shares held after transaction: 16,523 shares +1 more

4 metrics

Shares used for tax withholding 594 shares Tax-withholding disposition on March 24, 2026

Price per share for withholding $28.22 per share Value applied to 594-share tax-withholding disposition

Shares held after transaction 16,523 shares Direct CF Bankshares common stock holdings after disposition

Tax-withholding transactions 1 transaction Non-derivative Form 4 tax-withholding entry, code F

Key Terms

tax-withholding disposition, Payment of exercise price or tax liability by delivering securities, Form 4, Common Stock

4 terms

tax-withholding disposition financial

"transaction_action": "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.

Payment of exercise price or tax liability by delivering securities financial

"transaction_code_description": "Payment of exercise price or tax liability by delivering securities""

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

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.

Common Stock financial

"security_title": "Common Stock 12520L 109""

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.

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^*

Meder Timothy

(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 Credit 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		594	D	$28.22	16,523	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 Timothy Meder	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 Timothy Meder report?

Timothy Meder reported a tax-withholding disposition of 594 CF Bankshares shares. The shares were delivered to satisfy tax obligations related to equity compensation, rather than sold in the open market, and are classified under transaction code “F.”

Was the CFBK Form 4 transaction a stock sale by Timothy Meder?

The Form 4 does not show an open-market stock sale by Timothy Meder. It reports a tax-withholding disposition, where 594 shares were delivered at $28.22 per share to satisfy tax liabilities associated with an equity award.

How many CFBK shares were involved in Timothy Meder’s tax withholding?

The filing shows 594 CF Bankshares common shares were used for tax withholding. These shares were valued at $28.22 each and were applied to cover tax obligations, not to execute a discretionary purchase or sale in the market.

How many CFBK shares does Timothy Meder hold after this Form 4 transaction?

After the tax-withholding disposition, Timothy Meder directly holds 16,523 CF Bankshares common shares. This post-transaction balance in the Form 4 shows that the withholding was small compared with his remaining equity position.

What does transaction code “F” mean in the CFBK Form 4 filing?

In this Form 4 for CF Bankshares, code “F” indicates a tax-withholding disposition. It means 594 shares were delivered to pay the exercise price or tax liability related to equity compensation, rather than being voluntarily sold in the open market.