{"schema_version":"secwatch.filing_event.v1","accession":"0001070680-22-000038","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2022-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.515624+00:00","generated_at":"2026-06-22T04:59:12.628835+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"CF Bankshares Q3 core EPS $0.80; NIM up 32 bps to 3.36%, loan growth 27.8% annualized","bullets":["Net income $4.2M ($0.65 GAAP EPS); core earnings $5.2M ($0.80 EPS) after one-time conversion and impairment costs.","Net interest margin expanded 32 bps to 3.36% vs. prior quarter; net interest income up 15.3% sequentially.","Net loans and leases grew $96M (27.8% annualized) to $1.5B; deposits increased $112.5M (8.2%) from Q2.","Credit quality strong: nonaccrual loans 0.07% of total, no charge-offs in Q3, 30+ day delinquencies 0.09%.","Declared $0.05/share dividend payable Oct 25; opened two new branches (Ohio City, Red Bank) in Oct 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001070680-22-000038","json":"https://secwatch.observer/filing/0001070680-22-000038.json","markdown":"https://secwatch.observer/filing/0001070680-22-000038.md","text":"https://secwatch.observer/filing/0001070680-22-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000107068022000038/0001070680-22-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000107068022000038/cfbk-20221107x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T04:59:12.628835+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":[{"claim_id":"c57a8f95138c4ade96cfb41bcb79a23776447580","claim":"CF BANKSHARES INC. reported the third quarter ended September 30, 2022 results: net income $4.2 million ( $0.65 per share), EPS $0.65 per diluted common share.","evidence_excerpt":"On November 7, 2022, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 30, 2022 (the “Earnings Release”).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070680/000107068022000038/0001070680-22-000038-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2022"},{"label":"Net income","value":"$4.2 million ( $0.65 per share)"},{"label":"EPS","value":"$0.65 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}