CF Bankshares Q2 net income $5.9M ($0.90 EPS), up 18% QoQ; NIM expands 24bps to 2.93%

CF BANKSHARES INC.

Net income $5.9M ($0.90 diluted EPS) vs $5.0M ($0.77) in Q1 2026 and Q2 2025; PPNR $8.2M, up 26% QoQ.
NIM 2.93%, up 24bps from prior quarter; efficiency ratio improved to 50.4% from 56.1%.
Commercial loan fundings $135M, net commercial loan growth $52M; NIB deposits grew $33M (14%).
Nonaccrual loans $20.8M (1.15% of loans), up $522k from Q1; provision for credit losses $944k.
Book value per share $29.04; dividend of $0.09 per share paid July 21, 2026.

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