[Form 4] CF BANKSHARES INC. Insider Trading Activity

Rhea-AI Filing Summary

Beerman Kevin J reported acquisition or exercise transactions in this Form 4 filing.

CF Bankshares Inc. executive vice president and chief financial officer Kevin J. Beerman reported an equity award of 8,500 shares of common stock. These shares are underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan and will vest over a three-year period. After this grant, his directly held common stock position increased to 33,817 shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Beerman Kevin J

Role EVP & Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock 12520L 109	8,500	$0.00	--

Holdings After Transaction: Common Stock 12520L 109 — 33,817 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
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^*

Beerman Kevin 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)
	EVP & Chief Financial 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		8,500	A	$0.00	33,817	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.

	Timothy T. O'Dell for Kevin J. Beerman	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 CFO Kevin Beerman report on this Form 4?

Kevin J. Beerman reported receiving an award of 8,500 shares of CF Bankshares common stock. The award is in the form of restricted stock granted under the company’s 2019 Equity Incentive Plan and is structured to vest over a three-year period.

Is the CFBK CFO Form 4 transaction a stock purchase or a grant?

The Form 4 transaction for CFBK’s CFO is a grant or award acquisition, not an open-market purchase. It is reported under transaction code “A,” meaning the 8,500 common shares were awarded as compensation, with no price paid per share reported.

How many CF Bankshares shares does the CFO own after this reported grant?

After this equity grant, the CFO directly holds 33,817 shares of CF Bankshares common stock. This total reflects the newly awarded 8,500 restricted shares, which are included in his direct ownership position as disclosed in the Form 4 filing.

What are the vesting terms of the CFBK CFO’s restricted stock award?

The 8,500-share award consists of restricted stock that vests over a three-year period. The footnote explains these shares are granted under the Central Federal Corporation 2019 Equity Incentive Plan and are subject to time-based vesting conditions before fully becoming unrestricted.

Under which equity plan was the CFBK CFO’s restricted stock granted?

The award was granted under the Central Federal Corporation 2019 Equity Incentive Plan. The Form 4 footnote states that the 8,500 shares represent common stock underlying restricted stock awards made pursuant to this plan, with vesting scheduled across three years.

Does the CFBK Form 4 indicate the CFO paid anything for these shares?

The Form 4 shows a price per share of 0.0000, indicating the CFO did not pay cash for these 8,500 shares. They are a compensatory restricted stock award rather than a market purchase, consistent with a grant under the company’s equity incentive plan.