---
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"
generated_at: "2026-05-17T21:20:57.391884+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-101652
- JSON: https://secwatch.observer/filing/0000950170-25-101652.json
- Plain text: https://secwatch.observer/filing/0000950170-25-101652.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.