secwatch.observer — SEC 8-K summary
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Issuer:     CF BANKSHARES INC. (CFBK)
CIK:        0001070680
Form:       8-K
Filed at:   2026-07-28T13:03:46+00:00
Accession:  0001193125-26-318995
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070680/000119312526318995/0001193125-26-318995-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070680/000119312526318995/cfbk-20260728.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-318995

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer