---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-318995"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2026-07-28T13:03:46+00:00"
generated_at: "2026-07-28T13:05:07.630059+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-318995
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2026-07-28T13:03:46+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000119312526318995/0001193125-26-318995-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000119312526318995/cfbk-20260728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-318995
- JSON: https://secwatch.observer/filing/0001193125-26-318995.json
- Plain text: https://secwatch.observer/filing/0001193125-26-318995.txt

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