{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-261792","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2025-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.720433+00:00","generated_at":"2026-05-17T00:49:22.752277+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CF Bankshares Q3 net income $2.3M ($0.36/dil) vs $4.2M a year ago; $7M non-customer loan charged off","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-261792","json":"https://secwatch.observer/filing/0001193125-25-261792.json","markdown":"https://secwatch.observer/filing/0001193125-25-261792.md","text":"https://secwatch.observer/filing/0001193125-25-261792.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000119312525261792/0001193125-25-261792-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000119312525261792/cfbk-20251103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:49:22.752277+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"}