Edward W. Cochran (CFBK) discloses 5.50% CF Bankshares ownership

Rhea-AI Filing Summary

CF Bankshares Inc. investor Edward W. Cochran filed Amendment No. 11 to a Schedule 13D reporting beneficial ownership of 349,913 shares of common stock, representing 5.50% of the company’s outstanding voting common stock as of November 7, 2025.

The shares were acquired as a private investment using personal funds totaling $2,300,000. Cochran, a self-employed attorney based in Ohio, reports sole voting and dispositive power over all 349,913 shares and discloses no related contracts, arrangements, or recent transactions.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 11)

CF BANKSHARES INC.

(Name of Issuer)

COMMON STOCK

(Title of Class of Securities)

12520L109

(CUSIP Number)

Edward W. Cochran
20030 Marchmont Rd.,
Shaker Heights, OH, 44122
(216) 751-5546

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

02/13/2026

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 12520L109

1

Name of reporting person

Edward W. Cochran

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

PF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 349,913.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 349,913.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

349,913.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.50 %

14

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: COMMON STOCK
(b)	Name of Issuer: CF BANKSHARES INC.
(c)	Address of Issuer's Principal Executive Offices: 4960 E. Dublin Granville Rd., Suite #400, Columbus, OHIO , 43081.
Item 2.	Identity and Background
(a)	Edward W. Cochran
(b)	20030 Marchmont Rd., Shaker Heights, Ohio 44122
(c)	Self-Employed Attorney
(d)	No
(e)	No
(f)	United States
Item 3.	Source and Amount of Funds or Other Consideration
	Personal Funds in the aggregate amount of $2,300,000
Item 4.	Purpose of Transaction
	Private Investment
Item 5.	Interest in Securities of the Issuer
(a)	The 349,913 shares of Common Stock represents 5.50% of outstanding voting Common Stock of CF Bankshares Inc., calculated based on 6,367,075 shares of voting Common Stock outstanding as of November 7, 2025 (as reported in the most recent Quarterly Report on Form 10-Q of CF Bankshares Inc.).
(b)	The Reporting Person has sole voting and dispositive power with respect to all 349,913 shares of Common Stock.
(c)	None
(d)	None
(e)	Not Applicable
Item 6.	Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer
	None
Item 7.	Material to be Filed as Exhibits.
	None

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Edward W. Cochran

Signature:	/s/ Edward W. Cochran
Name/Title:	Edward W. Cochran/Individual
Date:	02/13/2026

FAQ

What ownership stake in CFBK does Edward W. Cochran report?

Edward W. Cochran reports beneficial ownership of 349,913 shares of CF Bankshares Inc. common stock, representing 5.50% of the outstanding voting common stock, based on 6,367,075 shares outstanding as of November 7, 2025.

How much did Edward W. Cochran invest in CF Bankshares Inc. (CFBK)?

Edward W. Cochran invested $2,300,000 of personal funds in CF Bankshares Inc. This amount represents the aggregate consideration used to acquire his 349,913 shares of common stock, which he characterizes as a private investment position.

What is the purpose of Edward W. Cochran’s investment in CFBK?

The filing states that the purpose of the transaction is a private investment. No additional strategic plans, agreements, or intentions regarding control, governance changes, or corporate actions at CF Bankshares Inc. are disclosed in the document.

Does Edward W. Cochran have sole voting power over his CFBK shares?

Yes. The filing reports that Edward W. Cochran has sole voting and sole dispositive power over all 349,913 shares of CF Bankshares Inc. common stock, with no shared voting or dispositive authority indicated.

What percentage of CF Bankshares Inc. (CFBK) shares does 349,913 represent?

The 349,913 shares represent 5.50% of CF Bankshares Inc.’s outstanding voting common stock. This percentage is calculated using 6,367,075 voting common shares outstanding as of November 7, 2025, as referenced in the company’s most recent Form 10-Q.

Are there any special agreements related to Cochran’s CFBK holdings?

No special agreements are disclosed. The filing states there are no contracts, arrangements, understandings, or relationships with respect to CF Bankshares Inc. securities, and no recent transactions in the issuer’s stock are reported by Cochran.