{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-101652","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2025-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.262189+00:00","generated_at":"2026-05-17T21:20:57.391884+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"CFBK Q2 net income $5.0M ($0.77 EPS) up 197% YoY; NIM 2.83%, efficiency 49.8%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-101652","json":"https://secwatch.observer/filing/0000950170-25-101652.json","markdown":"https://secwatch.observer/filing/0000950170-25-101652.md","text":"https://secwatch.observer/filing/0000950170-25-101652.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000095017025101652/0000950170-25-101652-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000095017025101652/cfbk-20250804.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T21:20:57.391884+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}