CF Bankshares Q3 net income $2.3M ($0.36/dil) vs $4.2M a year ago; $7M non-customer loan charged off

CF BANKSHARES INC.

2025-Q3 EPS reported $1.81

Net income of $2.3M ($0.36 diluted EPS) down from $4.2M ($0.65) in Q3 2024, with $5.1M provision expense.
Pre-provision net revenue (PPNR) $7.8M, up 33% YoY; efficiency ratio improved to 49.8% from 55.3%.
Full charge-off of $7M non-customer loan increased provision by $3.7M; nonaccrual loans fell 40% QoQ.
Net interest margin expanded 35bps YoY to 2.76%; cost of funds declined 58bps.
Core deposits up $20M QoQ; Tier 1 Leverage ratio 11.19%; dividend of $0.08 per share declared.

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