CF Bankshares (CFBK) bank president receives 10,500-share stock grant

Rhea-AI Filing Summary

CF Bankshares Inc. reported that Bank President Bradley J. Ringwald acquired 10,500 shares of common stock through a stock grant. The award was made at $0.00 per share as a restricted stock grant under the company’s 2019 Equity Incentive Plan and vests over three years. Following this grant, Ringwald directly owns 39,259 shares of CF Bankshares common stock.

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^*

Ringwald Bradley J

(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)
	Bank President

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		10,500	A	$0.00	39,259	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 Bradley J. Ringwald	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).
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FAQ

What did CF Bankshares (CFBK) report in this Form 4 for Bradley J. Ringwald?

CF Bankshares reported that Bank President Bradley J. Ringwald received a grant of 10,500 shares of common stock. The shares are in the form of restricted stock awards that vest over three years under the 2019 Equity Incentive Plan.

How many CF Bankshares (CFBK) shares did Bradley J. Ringwald acquire and at what price?

Bradley J. Ringwald acquired 10,500 shares of CF Bankshares common stock at a price of $0.00 per share. The transaction reflects an equity award rather than an open‑market purchase, as disclosed in the Form 4 filing.

What is Bradley J. Ringwald’s total CF Bankshares (CFBK) ownership after this award?

After the reported grant, Bradley J. Ringwald directly owns 39,259 shares of CF Bankshares common stock. This total includes the newly awarded 10,500 restricted shares reported in the Form 4 insider transaction filing.

What type of equity award did CF Bankshares (CFBK) grant to Bradley J. Ringwald?

The company granted Bradley J. Ringwald restricted stock awards representing 10,500 shares of common stock. These awards were issued under the Central Federal Corporation 2019 Equity Incentive Plan and are subject to vesting over a three‑year period.

Does the CF Bankshares (CFBK) Form 4 indicate a buy or a stock award for Bradley J. Ringwald?

The Form 4 indicates a stock award, not an open‑market buy. The transaction code “A” reflects a grant or award acquisition of 10,500 restricted shares at $0.00 per share under the company’s equity incentive plan.