CF Bankshares (CFBK) CEO has 5,000 shares withheld for taxes

Rhea-AI Filing Summary

CF Bankshares Inc. CEO Timothy T. O'Dell reported a routine tax-related share disposition. On April 11, 2026, 5,000 shares of common stock were withheld at $29.49 per share to cover tax obligations, leaving him with 297,871 directly held shares. He also reports indirect holdings through his spouse and as custodian for a family member.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider O'Dell Timothy T

Role CEO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock 12520L 109	5,000	$29.49	$147K
holding	Common Stock 12520L 109	--	--	--
holding	Common Stock 12520L 109	--	--	--

Holdings After Transaction: Common Stock 12520L 109 — 297,871 shares (Direct, null); Common Stock 12520L 109 — 4,579 shares (Indirect, Colleen O'Dell - Custodian for Sarah F. O'Dell)

Footnotes (1)

Key Figures

Tax-withheld shares: 5,000 shares Tax-withholding price: $29.49 per share Direct shares after transaction: 297,871 shares +2 more

5 metrics

Tax-withheld shares 5,000 shares Code F tax-withholding disposition on April 11, 2026

Tax-withholding price $29.49 per share Price used for 5,000 withheld shares

Direct shares after transaction 297,871 shares Direct ownership following tax withholding

Indirect spouse holdings 5,454 shares Indirect ownership via spouse

Indirect custodian holdings 4,579 shares Indirect holdings as custodian for family member

Key Terms

tax-withholding disposition, indirect ownership, Common Stock

3 terms

tax-withholding disposition financial

"recorded as a code F tax-withholding disposition to cover obligations"

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.

indirect ownership financial

"These positions are classified as indirect ownership through family relationships"

Common Stock financial

"5,000 common shares were withheld at a price of $29.49 per share"

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^*

O'Dell Timothy T

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CEO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/11/2026

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	04/11/2026		F		5,000	D	$29.49	297,871	D
Common Stock 12520L 109								4,579	I	Colleen O'Dell - Custodian for Sarah F. O'Dell
Common Stock 12520L 109								5,454	I	Colleen O'Dell - Spouse

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:

	Timothy T. O'Dell	04/24/2026
	** 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 CEO Timothy O'Dell report?

Timothy O'Dell reported a tax-withholding disposition of 5,000 CF Bankshares common shares. The shares were withheld to cover tax obligations and do not represent an open-market sale of stock.

How many CF Bankshares (CFBK) shares were used for tax withholding?

A total of 5,000 common shares were withheld for tax obligations at a price of $29.49 per share. This is recorded as a code F transaction, which is not an open-market sale.

How many CF Bankshares shares does Timothy O'Dell hold after this Form 4?

After the tax-withholding transaction, Timothy O'Dell directly holds 297,871 CF Bankshares common shares. Additional indirect holdings are reported through his spouse and as custodian for a family member.

What indirect CF Bankshares (CFBK) holdings are reported for Timothy O'Dell?

The filing reports 5,454 shares held indirectly through his spouse and 4,579 shares held with his spouse as custodian for a family member. These positions are classified as indirect ownership.

Is the CF Bankshares CEO’s Form 4 transaction an open-market sale?

No. The Form 4 shows a code F tax-withholding transaction, where 5,000 shares were withheld to satisfy tax obligations. This differs from an open-market sale and reflects a routine administrative event.