---
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"
generated_at: "2026-05-17T00:49:22.752277+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-261792
- JSON: https://secwatch.observer/filing/0001193125-25-261792.json
- Plain text: https://secwatch.observer/filing/0001193125-25-261792.txt

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