---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-24-000003"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2024-02-07T23:59:59+00:00"
generated_at: "2026-06-06T06:24:02.065446+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q4 net income $4.2M ($0.65 EPS); full-year $16.9M ($2.63 EPS); assets top $2B

## Summary
- Q4 2023 net income $4.2M ($0.65 diluted EPS) vs $4.0M ($0.62) prior quarter and $4.7M ($0.72) year ago.
- Full year 2023 net income $16.9M ($2.63 EPS) vs $18.2M ($2.78) in 2022; pre-provision net revenue $23.3M.
- Total assets reached $2.0B; net loans $1.7B (+7.8% YoY); deposits $1.7B (+14.1% YoY).
- Nonaccrual loans rose to $5.7M (0.33% of loans) from $0.8M at Dec 2022; net charge-offs $623K in Q4 from two trucking loans.
- Board declared $0.06 per share cash dividend paid Jan 29, 2024 (unchanged from prior quarter).

## SEC filing metadata
- accession: 0001070680-24-000003
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2024-02-07T23:59:59+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/1070680/000107068024000003/0001070680-24-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068024000003/cfbk-20240207x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-24-000003
- JSON: https://secwatch.observer/filing/0001070680-24-000003.json
- Plain text: https://secwatch.observer/filing/0001070680-24-000003.txt

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