---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-23-000030"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2023-08-03T23:59:59+00:00"
generated_at: "2026-06-12T07:07:17.559199+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q2 net income $4.2M ($0.66 EPS); NIM down 41 bps to 2.52%

## Summary
- Net income $4.2M ($0.66 diluted EPS) for Q2 2023; YTD net income $8.7M ($1.35 EPS).
- Net interest margin 2.52%, down 41 bps QoQ; net interest income fell 9.8% to $11.5M.
- Deposits increased $56M (+3.5%) to $1.7B; uninsured deposits 28.8% of total.
- Noninterest income up 36% QoQ to $978k; NPLs 0.05% of total loans.
- Book value per share $22.49; stockholders' equity $147.3M, up 2.8% from Q1.

## SEC filing metadata
- accession: 0001070680-23-000030
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2023-08-03T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000030/0001070680-23-000030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000030/cfbk-20230803x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-23-000030
- JSON: https://secwatch.observer/filing/0001070680-23-000030.json
- Plain text: https://secwatch.observer/filing/0001070680-23-000030.txt

## Key facts
- Earnings Releases
  CF BANKSHARES INC. reported financial results for the second quarter ended June 30, 2023.
  - Period: the second quarter ended June 30, 2023
  - Result: reported results
  source text: On August 3, 2023, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2023 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000030/0001070680-23-000030-index.htm

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