---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-205631"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2026-05-05T23:59:59+00:00"
generated_at: "2026-05-14T23:11:46.195941+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q1 2026 net income $5.0M ($0.77 EPS), up 13% YoY; nonaccrual loans rise $5M

## Summary
- Net income $5.0M ($0.77 diluted EPS) vs $4.4M ($0.68) in Q1 2025, a 13% increase.
- Net interest margin 2.69%, up 5 bps YoY; PPNR $6.5M, up 5.4% YoY.
- Noninterest income up 23% ($281k) driven by customer fees and treasury management.
- Nonaccrual loans increased $5.0M to $20.3M (1.14% of loans), mainly one non-core C&I loan.
- Core commercial loan growth $45M net, annualized rate of 15%; book value per share $28.20.

## SEC filing metadata
- accession: 0001193125-26-205631
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2026-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000119312526205631/0001193125-26-205631-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000119312526205631/cfbk-20260505.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-205631
- JSON: https://secwatch.observer/filing/0001193125-26-205631.json
- Plain text: https://secwatch.observer/filing/0001193125-26-205631.txt

## Source-grounded claims
- claim_id: 94ce1b8bf59e7da690f0d407934350314056b517
  claim: CF BANKSHARES INC. reported the first quarter ended March 31, 2026 results: net income $5.0 million ($0.77 per diluted common share), EPS $0.77 per diluted common share.
  evidence_excerpt: Net income was $5.0 million ( $0.77 per diluted common share) for Q1 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070680/000119312526205631/0001193125-26-205631-index.htm

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