CFBK Q2 net income $5.0M ($0.77 EPS) up 197% YoY; NIM 2.83%, efficiency 49.8%

CF BANKSHARES INC.

2025-Q2 EPS reported $1.45

Net income $5.0M ($0.77 diluted EPS) vs $1.7M ($0.26) in Q2 2024, up 197%.
Pre-provision pre-tax net revenue $7.8M, up 42% from Q2 2024 and 27% from Q1 2025.
Net interest margin expanded 44bps YoY to 2.83%; cost of funds down 48bps vs Q2 2024.
Efficiency ratio improved to 49.8% from 56.4% a year ago; ROE 11.47%, ROA 0.97%.
Board declared $0.08 common dividend paid July 21; provision for credit losses $1.4M.

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