CF Bankshares shareholder letter: 1-yr total return +28% vs NASDAQ Bank Index +12%

CF BANKSHARES INC.

Stock outperformed NASDAQ Bank Index by 16pp through April 1, 2026: +28% vs +12%.
Nearly doubled size of Regional Business Banking teams and related staff in 2025 to scale commercial franchise.
Adding proven mortgage loan producers to drive non-interest fee income from secondary market sales.
2026 priorities: disciplined growth, strong execution, long-term shareholder value creation.
CFBank targets NFP segment for treasury management and core deposit growth.

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