---
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"
generated_at: "2026-05-26T22:41:24.082678+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Inc. Reports Q4 2024 Net Income of $4.4 Million, Full Year $13.4 Million

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-25-000006
- JSON: https://secwatch.observer/filing/0001070680-25-000006.json
- Plain text: https://secwatch.observer/filing/0001070680-25-000006.txt

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