{"schema_version":"secwatch.filing_event.v1","accession":"0001070680-24-000025","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2024-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.092534+00:00","generated_at":"2026-05-31T12:06:46.686260+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CF Bankshares Q2 net income drops to $1.7M; $3.1M additional reserves on loan participations","bullets":["Net income of $1.7M ($0.26 diluted EPS) vs $4.2M ($0.66) year ago; adjusted EPS $0.65 excluding $3.1M specific reserves.","Provision for credit losses surged to $3.6M from $12K year ago, driven by two regional bank loan participations placed on nonaccrual.","Net interest margin improved 3bps sequentially to 2.39%; PPNR was $5.5M compared to $5.0M prior quarter.","Nonaccrual loans rose to $10.9M (0.64% of loans) from $7.9M at March 31; core loan book past due 30+ days at 0.23%.","Board declared $0.06 per share quarterly dividend, payable July 19; deposits down 1.5% sequentially."],"urls":{"canonical":"https://secwatch.observer/filing/0001070680-24-000025","json":"https://secwatch.observer/filing/0001070680-24-000025.json","markdown":"https://secwatch.observer/filing/0001070680-24-000025.md","text":"https://secwatch.observer/filing/0001070680-24-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000107068024000025/0001070680-24-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000107068024000025/cfbk-20240806x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T12:06:46.686260+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"}