{"schema_version":"secwatch.filing_event.v1","accession":"0001070680-24-000008","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2024-04-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.176103+00:00","generated_at":"2026-06-03T22:44:33.774080+00:00","sec_items":["8.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CF Bankshares discloses OCC 'Needs to Improve' CRA rating; details remediation efforts","bullets":["CFBank received 'Needs to Improve' CRA rating from OCC for 2020-2022, down from prior 'Satisfactory' in 2020.","Lending test rated 'Needs to Improve'; community development test rated 'Satisfactory'.","By 2023, LMI residential mortgage loans rose to 34.31% (vs 11.23% in 2020, 12.50% in 2021).","Initiatives include Low-Income Housing Credit Loan Program, rate reductions on loans <$150k, and Ohio Housing Finance Agency application.","Next OCC evaluation expected in 2026; company expects improvement but cannot assure outcome."],"urls":{"canonical":"https://secwatch.observer/filing/0001070680-24-000008","json":"https://secwatch.observer/filing/0001070680-24-000008.json","markdown":"https://secwatch.observer/filing/0001070680-24-000008.md","text":"https://secwatch.observer/filing/0001070680-24-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000107068024000008/0001070680-24-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000107068024000008/cfbk-20240415x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T22:44:33.774080+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}