---
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"
generated_at: "2026-06-22T04:59:12.628835+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q3 core EPS $0.80; NIM up 32 bps to 3.36%, loan growth 27.8% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1070680/000107068022000038/0001070680-22-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000038/cfbk-20221107x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-22-000038
- JSON: https://secwatch.observer/filing/0001070680-22-000038.json
- Plain text: https://secwatch.observer/filing/0001070680-22-000038.txt

## Key facts
- Earnings Releases
  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.
  - Period: the third quarter ended September 30, 2022
  - Net income: $4.2 million ( $0.65 per share)
  - EPS: $0.65 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000038/0001070680-22-000038-index.htm

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