{"schema_version":"secwatch.filing_event.v1","accession":"0001070680-25-000006","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2025-02-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.867577+00:00","generated_at":"2026-05-26T22:41:24.082678+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"CF Bankshares Inc. Reports Q4 2024 Net Income of $4.4 Million, Full Year $13.4 Million","bullets":["Net income for Q4 2024 was $4.4 million ($0.68 per diluted share), compared to $4.2 million in Q3 2024 and $4.2 million in Q4 2023.","Pre-provision pre-tax net revenue (PPNR) for Q4 2024 was $6.5 million, a 12% increase from $5.8 million in Q3 2024.","Net interest margin expanded 16 basis points to 2.57% in Q4 2024, driven by a 30bps reduction in average cost of interest-bearing liabilities.","Noninterest-bearing deposits increased $38 million (16%) during 2024, reflecting growth in commercial treasury management relationships.","Nonaccrual loans rose to $14.5 million (0.84% of total loans) at December 31, 2024, up from $5.7 million a year earlier."],"urls":{"canonical":"https://secwatch.observer/filing/0001070680-25-000006","json":"https://secwatch.observer/filing/0001070680-25-000006.json","markdown":"https://secwatch.observer/filing/0001070680-25-000006.md","text":"https://secwatch.observer/filing/0001070680-25-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000107068025000006/0001070680-25-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000107068025000006/cfbk-20250212x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-26T22:41:24.082678+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"}