---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-22-000017"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2022-05-05T23:59:59+00:00"
generated_at: "2026-06-25T23:18:34.134838+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q1 2022 net income $4.5M ($0.69 EPS); loans up 5.5%

## Summary
- Net income of $4.5M, EPS $0.69; ROA 1.24%, ROE 14.32%.
- Net loans and leases grew $67M (5.5%) to $1.3B, deposits up $52M (4.2%).
- Efficiency ratio improved to 53.10%; exited saleable-to-investors mortgage business.
- Noninterest expense down $2.7M YoY from scaling residential mortgage lending.
- Board declared $0.04/share cash dividend, payable April 25, 2022.

## SEC filing metadata
- accession: 0001070680-22-000017
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2022-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000017/0001070680-22-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000017/cfbk-20220505x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-22-000017
- JSON: https://secwatch.observer/filing/0001070680-22-000017.json
- Plain text: https://secwatch.observer/filing/0001070680-22-000017.txt

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