Welcome to our dedicated page for CF Bankshares SEC filings (Ticker: CFBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
CF Bankshares Inc. (NASDAQ: CFBK) files reports and other documents with the U.S. Securities and Exchange Commission (SEC) that provide detailed information about its banking operations and financial condition. This page organizes those CFBK SEC filings and adds AI-generated summaries to help readers interpret the technical language used in regulatory reports.
Through its banking subsidiary CFBank, National Association, CF Bankshares Inc. operates as a boutique commercial bank focused on closely held businesses and entrepreneurs. In its periodic filings, such as annual reports on Form 10-K and quarterly reports on Form 10-Q, the company presents information on net interest income, loan and lease portfolios, construction lending, commercial and residential real estate exposure, deposit composition, noninterest income and expense, asset quality, and capital ratios. These filings also explain the use of non-GAAP measures like pre-provision, pre-tax net revenue (PPNR) alongside GAAP results.
Current reports on Form 8-K provide more targeted disclosures. Recent 8-K filings have addressed quarterly earnings releases, extensions of the stock repurchase program, changes in the composition of the board of directors, and updates on the number of outstanding voting and non-voting common shares following conversions and repurchases. These documents can be important for understanding capital management, governance changes, and share structure for CFBK stock.
On this page, users can quickly access 10-K, 10-Q, and 8-K filings for CF Bankshares Inc., as well as other forms when available. AI-powered summaries highlight key points from each filing, such as trends in commercial loan production, deposit and funding dynamics, asset quality metrics, and details of the company’s stock repurchase program and dividend activity. For those interested in insider activity, related forms like Form 4 can be used to review transactions by directors and officers.
By combining real-time updates from the SEC’s EDGAR system with concise AI explanations, this filings page is designed to make CF Bankshares Inc.’s regulatory disclosures more accessible to investors, analysts, and others researching CFBK.
CF Bankshares Inc. reported a board change linked to a previously announced director resignation. On March 25, 2026, the boards of the company and its subsidiary CFBank appointed Bradley Ringwald, currently President of CFBank, as director to fill the vacancy left by Sundeep Rana.
Ringwald will serve in the same director class as his predecessor, with a term expiring at the company’s 2026 Annual Meeting of Stockholders. He was recommended by the Corporate Governance and Nominating Committee, with no special arrangements or related-party relationships requiring disclosure beyond his existing executive employment and ordinary-course banking relationships.
CF Bankshares Inc. CEO Timothy T. O'Dell amended his 2026 equity award reporting. On February 23, 2026, he was granted 12,750 shares of restricted common stock under the 2019 Equity Incentive Plan, at no cash cost, which vest over three years.
A prior filing had shown 18,000 restricted shares; O'Dell voluntarily declined 5,250 of those shares for 2024 and 2025 performance, and that portion of the award was cancelled for no value, so he is deemed never to have acquired them. After this adjustment, he beneficially owned 302,871 shares directly as of February 25, 2026, with additional indirect holdings reported for family accounts.
CF Bankshares Inc. reports on its 2025 operations, highlighting a balance sheet with $2.1 billion in assets and $184.4 million in stockholders’ equity at December 31, 2025. The loan portfolio reached $1.76 billion, led by commercial, commercial real estate and multi-family loans of $1.3 billion, or 72.1% of gross loans.
Portfolio single-family residential mortgage loans totaled $445.1 million, while consumer loans were $45.4 million. The allowance for credit losses on loans was $17.7 million, or 1.01% of total loans, after $7.5 million of provision expense and $7.3 million in net charge-offs. Nonaccrual loans were $15.3 million, including $5.1 million guaranteed by the SBA.
On the funding side, average deposits were $1.76 billion in 2025, with certificates of deposit and money market accounts the largest components, and brokered deposits of $400.4 million at year-end. CFBank also had $58.0 million in FHLB advances and access to additional FHLB and Federal Reserve borrowing capacity.
CF Bankshares Inc. director Thomas P. Ash reported an equity award of common stock. He acquired 5,000 shares through a restricted stock grant at a price of $0.00 per share under the Central Federal Corporation 2019 Equity Incentive Plan. These shares are scheduled to vest over a three-year period, meaning they become fully his only as the vesting schedule is met. Following this grant, his direct holdings increased to 52,419 common shares, aligning his compensation more closely with the company’s long-term performance.
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.
CF Bankshares EVP & Chief Operating Officer Marianne McKinney reported an equity award rather than an open-market trade. On February 23, 2026, she acquired 5,500 shares of common stock through a grant of restricted stock awards at a stated price of $0.00 per share under the Central Federal Corporation 2019 Equity Incentive Plan. These restricted shares are scheduled to vest over a three-year period, and following the grant her directly held common stock position increased to 15,434 shares.
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.
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.
Royer David L reported acquisition or exercise transactions in this Form 4 filing.
CF Bankshares Inc. director David L. Royer reported an equity award of 4,500 shares of common stock. These shares are restricted stock granted under the Central Federal Corporation 2019 Equity Incentive Plan and will vest over a three-year period. After this grant, Royer directly owns 41,187 common shares.
HOEWELER ROBERT E reported acquisition or exercise transactions in this Form 4 filing.
CF Bankshares Inc. director Robert E. Hoeweler reported an equity award of 5,500 shares of common stock. The shares represent restricted stock granted under the Central Federal Corporation 2019 Equity Incentive Plan and will vest over a three-year period. Following this grant, Hoeweler directly holds 77,562 common shares, reflecting compensation in stock rather than an open-market purchase.