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.
Timothy T. O'Dell, CEO and Director of CF Bankshares Inc. (CFBK), reported amended Form 4 transactions showing two open-market sales under a 10b5-1 plan. On 08/13/2025 he sold 8,957 shares at $25.368, reducing his direct holdings to 301,164 shares. On 08/14/2025 he sold 210 shares at $25.0164, leaving 300,954 shares directly owned. The filing also discloses indirect holdings of 4,579 shares held by Colleen O'Dell as custodian for Sarah F. O'Dell and 5,454 shares held indirectly by Colleen O'Dell as spouse. The sales are noted as part of a 10b5-1(c) plan adopted 03/17/2025. The Form was amended and signed on 08/22/2025.
Marianne McKinney, EVP & Chief Operating Officer of CF Bankshares Inc. (CFBK), reported a sale of 1,700 shares of the issuer's common stock on 08/18/2025 at a price of $24.5404 per share. After the sale she beneficially owned 10,283 shares, held directly. The Form 4 was signed on 08/19/2025 by Kevin J. Beerman for Ms. McKinney.
Castle Creek Capital Partners VII, LP amended its Schedule 13D for CF Bankshares Inc. (CFBK) to report open-market sales and an updated beneficial ownership calculation. Between July 22, 2025 and August 13, 2025 Fund VII sold a total of 66,285 shares of Voting Common Stock for proceeds of $1,650,396.88, leaving the fund with 447,572 shares held directly. Fund VII is nonetheless deemed to beneficially own 585,059 shares, or approximately 9.9% of the outstanding Voting Common Stock, because that figure includes up to 137,487 shares issuable upon conversion of Non-Voting Common Stock under the Ownership Cap. The filing lists specific sale dates, share counts and weighted average prices for the transactions disclosed.
CF Bankshares Inc. (CFBK) Form 4 shows Timothy T. O'Dell, CEO and director, reported open-market sales on 08/13/2025 and 08/14/2025. The filings disclose 8,957 shares sold at $25.368 on 08/13/2025 and 210 shares sold at $25.0164 on 08/14/2025. After these sales Mr. O'Dell beneficially owned 300,954 shares directly and reported additional indirect holdings of 4,579 and 5,454 shares.
Fourthstone LLC and related reporting persons disclose beneficial ownership of 421,191 shares of CF Bankshares Inc. common stock, representing 8.07% of the class based on 5,219,630 shares outstanding per the issuer's May 12, 2025 filing. The ownership is reported across several Fourthstone entities: Fourthstone Master Opportunity Fund Ltd. (331,354 shares, 6.35%), Fourthstone GP LLC (89,837 shares, 1.72%), Fourthstone QP Opportunity Fund LP (87,590 shares, 1.68%), and Fourthstone Small-Cap Financials Fund LP (2,247 shares, 0.04%).
The Schedule 13G states the shares were acquired in the ordinary course of business and are held passively, not for the purpose of changing or influencing control. L. Phillip Stone, IV is identified as Managing Member of Fourthstone and Fourthstone GP and may be deemed to beneficially own securities owned by Fourthstone entities.
CFBK’s Q2-25 results show a sharp earnings rebound. Net interest income rose 23% YoY to $14.0 m as deposit-cost moderation (interest expense −9%) outpaced modest 3.6% asset-yield growth. Credit costs normalized; the loan loss provision fell to $1.4 m (-60% YoY), lifting net income to $5.0 m versus $1.7 m a year ago. Diluted EPS jumped to $0.77 from $0.26; 6M-25 EPS is $1.45 (↑96%).
Balance-sheet expansion remained measured. Total assets increased 3.3% YTD to $2.13 bn, driven by 1.9% net loan growth and a $40 m liquidity build (cash & equivalents now $275.7 m). Deposits grew 3.1% to $1.81 bn, but remain 84% interest-bearing, keeping funding costs elevated (deposit expense $15.2 m, 50% of interest income).
Asset quality metrics were stable. The allowance for credit losses rose 9.4% YTD to $19.1 m, equating to 1.08% of loans, after $0.2 m net charge-offs. Non-performing detail was not provided, but management recorded only one $0.5 m OREO transfer.
Capital improved: tangible equity climbed 5% to $177 m (8.3% of assets) despite $0.9 m dividends and $0.8 m buybacks. AOCI drag from the AFS portfolio narrowed slightly to −$1.6 m.
Key takeaways:
- Earnings leverage from lower funding costs is materialising.
- Credit remains benign; reserves built conservatively.
- High interest-bearing deposit mix continues to cap margin upside.