secwatch.observer — SEC 8-K summary
======================================

Issuer:     CF BANKSHARES INC. (CFBK)
CIK:        0001070680
Form:       8-K
Filed at:   2025-08-04T23:59:59+00:00
Accession:  0000950170-25-101652
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070680/000095017025101652/0000950170-25-101652-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070680/000095017025101652/cfbk-20250804.htm
  HTML page:      https://secwatch.observer/filing/0000950170-25-101652

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer