CF Bankshares Inc. filings document the financial condition, governance and capital actions of the holding company for CFBank, National Association. Form 8-K reports include quarterly and annual results, Regulation FD communications tied to annual-report materials, stock repurchase program disclosures, and board-level changes at the company and its wholly owned bank subsidiary.
Proxy materials cover director elections, executive compensation, shareholder meeting matters and corporate-governance procedures. The filing record also reflects banking-specific disclosures such as loan growth, deposit funding, net interest margin, credit-loss provisions, capital ratios, common stock dividends, Series D preferred stock dividend disclosures and related ownership or board-designation arrangements.
CF Bankshares Inc. executive vice president and chief operating officer Marianne McKinney reported a small tax-related share disposition. On the Form 4, 247 shares of common stock were delivered at $29.49 per share to satisfy tax or exercise obligations, leaving her with 14,619 directly owned shares afterward.
CF Bankshares Bank President Bradley J. Ringwald reported a tax-withholding disposition of 987 shares of common stock on March 24, 2026 at $28.22 per share. These shares were delivered to cover an exercise price or tax liability, not sold in the open market. After this transaction, he directly holds 38,272 common shares, so the disposition represents a small portion of his reported holdings.
CF Bankshares Inc. executive Marianne McKinney had 568 shares of common stock disposed of on her behalf to cover tax obligations, as reported in a Form 4 filing. The transaction was classified as a tax-withholding disposition at a price of $28.22 per share. After this non-market transaction, she directly holds 14,866 shares of CF Bankshares common stock.
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.
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.