---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-24-000030"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T07:58:26.058762+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q3 net income $4.2M ($0.65 EPS); NIM expands; nonaccrual loans rise

## Summary
- Net income $4.2M ($0.65 diluted EPS) vs $1.7M in Q2 and $4.0M in Q3 2023; PPNR $5.8M.
- Net interest margin increased 2 bps QoQ to 2.41%; noninterest bearing deposits up $40M (18%).
- Nonaccrual loans increased to $14.6M (0.84% of loans) from $10.9M at Q2; net charge-offs $3.3M in Q3.
- Total deposits $1.75B (+2.9% QoQ); FHLB advances decreased $28.5M to $108.7M.
- Dividend declared $0.07/share common, paid Oct 19, 2024.

## SEC filing metadata
- accession: 0001070680-24-000030
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000107068024000030/0001070680-24-000030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068024000030/cfbk-20241030x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-24-000030
- JSON: https://secwatch.observer/filing/0001070680-24-000030.json
- Plain text: https://secwatch.observer/filing/0001070680-24-000030.txt

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