Overview
- TickerCFBK on Nasdaq2
- IndustryNational Commercial Banks2
- HeadquartersColumbus, United States2
- Incorporated inDE4
- Business addressC/O Cfbank, 4960 East Dublin Granville Rd, Suite 400, Columbus, Oh 430814
- Filer categoryAccelerated filer, Smaller reporting company4
- Legal formCorporation2
- LEI5493005T7GGZJKF4UK642
- StatusActive2
- LEI statusIssued and current2
- Registered addressC/O The Corporation Trust Company, 19801 Wilmington, United States2
- Registered withDivision of Corporations, Department of State, 29347022
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans and leases, including fees | $109.3M | $106.8M | $97.4M |
| Securities | $359.0K | $549.0K | $658.0K |
| FHLB and FRB stock dividends | $629.0K | $675.0K | $592.0K |
| Federal funds sold and other | $9.7M | $10.4M | $9.6M |
| Total interest and dividend income | $120.0M | $118.4M | $108.3M |
| Deposits | $60.0M | $67.2M | $56.4M |
| FHLB advances and other debt | $3.7M | $3.1M | $3.1M |
| Subordinated debentures | $1.3M | $1.4M | $1.2M |
| Total interest expense | $65.0M | $71.7M | $60.6M |
| Net interest income | $55.0M | $46.6M | $47.6M |
| Provision for credit losses-loans | $7.5M | $6.1M | $1.9M |
| Provision for credit losses-unfunded commitments | $739.0K | $650.0K | $459.0K |
| Total provision for credit losses | $8.2M | $6.7M | $2.3M |
| Net interest income after provision for credit losses | $46.8M | $39.9M | $45.3M |
| Service charges on deposit accounts | $2.9M | $2.5M | $1.6M |
| Net gains on sales of residential mortgage loans | $716.0K | $435.0K | $119.0K |
| Net (losses) gains on sales of commercial loans | -$18.0K | $246.0K | $66.0K |
| Net loss on sale of equity security | -$103.0K | ||
| Earnings on bank owned life insurance | $933.0K | $850.0K | $625.0K |
| Swap fee income | $424.0K | $321.0K | $715.0K |
| Other | $1.1M | $818.0K | $940.0K |
| Total noninterest income | $5.9M | $5.2M | $4.0M |
| Salaries and employee benefits | $15.7M | $14.2M | $14.5M |
| Occupancy and equipment | $1.8M | $1.8M | $1.7M |
| Data processing | $2.9M | $2.6M | $2.2M |
| Franchise and other taxes | $1.4M | $1.3M | $1.3M |
| Professional fees | $3.2M | $2.7M | $2.5M |
| Director fees | $686.0K | $574.0K | $658.0K |
| Postage, printing and supplies | $142.0K | $152.0K | $149.0K |
| Advertising and marketing | $418.0K | $134.0K | $336.0K |
| Telephone | $186.0K | $210.0K | $257.0K |
| Loan expenses | $915.0K | $1.4M | $619.0K |
| Foreclosed assets, net | $18.0K | ||
| Depreciation | $476.0K | $486.0K | $567.0K |
| FDIC premiums | $2.1M | $2.1M | $2.2M |
| Regulatory assessment | $216.0K | $258.0K | $242.0K |
| Other insurance | $194.0K | $198.0K | $209.0K |
| Impairment of premises and equipment | $56.0K | $60.0K | |
| Other | $934.0K | $831.0K | $945.0K |
| Total noninterest expense | $31.2M | $28.9M | $28.4M |
| Income before incomes taxes | $21.5M | $16.1M | $21.0M |
| Income tax expense | $4.0M | $2.8M | $4.0M |
| Net income | $17.5M | $13.4M | $16.9M |
| Earnings allocated to participating securities (Series D preferred stock) | -$540.0K | -$361.0K | |
| Net income attributable to common stockholders | $17.0M | $13.0M | $16.9M |
| Basic | $2.70 | $2.08 | $2.64 |
| Diluted | $2.69 | $2.06 | $2.63 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 5 fiscal years (annual) or 5 quarters (quarterly), latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2003-12-31 |
|---|---|---|---|---|---|
| Cash and cash equivalents | $259.0M | $235.3M | |||
| Interest-bearing deposits in other financial institutions | $100.0K | $100.0K | |||
| Securities available for sale | $17.5M | $8.7M | |||
| Equity securities | $0 | $5.0M | |||
| Loans held for sale, at fair value | $5.6M | $2.6M | |||
| Loans and leases, net of allowance for credit losses of $17,678 and $17,474, respectively | $1.7B | $1.7B | |||
| FHLB and FRB stock | $8.4M | $8.9M | |||
| Premises and equipment, net | $3.5M | $3.5M | |||
| Operating lease right-of-use assets | $5.7M | $6.1M | |||
| Bank owned life insurance | $28.0M | $27.1M | |||
| Accrued interest receivable and other assets | $50.7M | $46.2M | |||
| Total assets | $2.1B | $2.1B | |||
| Noninterest bearing | $285.5M | $273.7M | |||
| Interest bearing | $1.5B | $1.5B | |||
| Total deposits | $1.8B | $1.8B | |||
| FHLB advances and other debt | $101.0M | $92.7M | |||
| Advances by borrowers for taxes and insurance | $2.5M | $2.2M | |||
| Operating lease liabilities | $5.9M | $6.2M | |||
| Accrued interest payable and other liabilities | $27.8M | $25.1M | |||
| Subordinated debentures | $15.0M | $15.0M | $5.2M | ||
| Total liabilities | $1.9B | $1.9B | |||
| Additional paid-in capital | $93.6M | $92.2M | |||
| Retained earnings | $103.9M | $88.3M | |||
| Accumulated other comprehensive loss | -$1.4M | -$1.8M | |||
| Treasury stock, at cost; 459,113 shares of voting common stock at December 31, 2025 and 398,201 shares of voting common stock a December 31, 2024 | -$11.8M | -$10.3M | |||
| Total stockholders' equity | $184.4M | $168.4M | $155.4M | $139.2M | |
| Total liabilities and stockholders' equity | $2.1B | $2.1B | |||
| Loans and leases, allowance | $17.7M | $17.5M | $16.9M | $15.7M | |
| Treasury stock, shares | 459.1K shares | 398.2K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2003-12-31 |
|---|---|---|---|---|---|
| Cash and cash equivalents | $259.0M | $235.3M | |||
| Interest-bearing deposits in other financial institutions | $100.0K | $100.0K | |||
| Securities available for sale | $17.5M | $8.7M | |||
| Equity securities | $0 | $5.0M | |||
| Loans held for sale, at fair value | $5.6M | $2.6M | |||
| Loans and leases, net of allowance for credit losses of $17,678 and $17,474, respectively | $1.7B | $1.7B | |||
| FHLB and FRB stock | $8.4M | $8.9M | |||
| Premises and equipment, net | $3.5M | $3.5M | |||
| Operating lease right-of-use assets | $5.7M | $6.1M | |||
| Bank owned life insurance | $28.0M | $27.1M | |||
| Accrued interest receivable and other assets | $50.7M | $46.2M | |||
| Total assets | $2.1B | $2.1B | |||
| Noninterest bearing | $285.5M | $273.7M | |||
| Interest bearing | $1.5B | $1.5B | |||
| Total deposits | $1.8B | $1.8B | |||
| FHLB advances and other debt | $101.0M | $92.7M | |||
| Advances by borrowers for taxes and insurance | $2.5M | $2.2M | |||
| Operating lease liabilities | $5.9M | $6.2M | |||
| Accrued interest payable and other liabilities | $27.8M | $25.1M | |||
| Subordinated debentures | $15.0M | $15.0M | $5.2M | ||
| Total liabilities | $1.9B | $1.9B | |||
| Additional paid-in capital | $93.6M | $92.2M | |||
| Retained earnings | $103.9M | $88.3M | |||
| Accumulated other comprehensive loss | -$1.4M | -$1.8M | |||
| Treasury stock, at cost; 459,113 shares of voting common stock at December 31, 2025 and 398,201 shares of voting common stock a December 31, 2024 | -$11.8M | -$10.3M | |||
| Total stockholders' equity | $184.4M | $168.4M | $155.4M | $139.2M | |
| Total liabilities and stockholders' equity | $2.1B | $2.1B | |||
| Loans and leases, allowance | $17.7M | $17.5M | $16.9M | $15.7M | |
| Treasury stock, shares | 459.1K shares | 398.2K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $17.5M | $13.4M | $16.9M |
| Provision credit losses | $8.2M | $6.7M | $2.3M |
| Depreciation | $476.0K | $486.0K | $567.0K |
| Accretion, net | -$2.1M | -$1.4M | -$1.0M |
| Deferred income tax (benefit) expense | -$186.0K | -$365.0K | $456.0K |
| Net loss on sale of equity security | $103.0K | ||
| Originations of loans held for sale | -$49.7M | -$47.6M | -$10.8M |
| Proceeds from sale of loans held for sale | $47.5M | $47.3M | $9.7M |
| Net gains on sales of residential mortgage loans | -$716.0K | -$435.0K | -$119.0K |
| Net losses (gains) on sales of commercial loans | $18.0K | -$246.0K | -$66.0K |
| Loss on disposal of premises and equipment | $0 | $56.0K | $60.0K |
| Loss on sale of other assets held for sale | $0 | $0 | $13.0K |
| Earnings on bank owned life insurance | -$933.0K | -$850.0K | -$625.0K |
| Restricted stock expense, net of forfeitures | $1.4M | $1.2M | $1.2M |
| Accrued interest receivable and other assets | $1.5M | $3.5M | -$2.7M |
| Operating lease right-of-use asset | $661.0K | $753.0K | $687.0K |
| Operating lease liability | -$605.0K | -$692.0K | -$686.0K |
| Accrued interest payable and other liabilities | -$4.5M | -$7.6M | $2.2M |
| Net cash from operating activities | $18.7M | $14.2M | $18.1M |
| Available-for-sale securities: Maturities, prepayments and calls | $1.0M | $2.2M | $2.0M |
| Available-for-sale securities, Purchases | -$9.2M | -$2.1M | $0 |
| Proceeds from the sale of equity security | $4.9M | $0 | $0 |
| Loan and lease originations and payments, net | -$33.3M | -$32.4M | -$124.9M |
| Purchase of loans and leases | -$9.9M | -$6.2M | $0 |
| Proceeds from the sale of loans | $20.4M | $5.7M | $1.8M |
| Additions to premises and equipment | -$487.0K | -$266.0K | -$661.0K |
| Redemption (purchase) of FRB and FHLB stock | $564.0K | -$436.0K | -$540.0K |
| Purchase of other investments | $0 | $0 | -$1.2M |
| Other adjustments | $477.0K | $578.0K | -$341.0K |
| Proceeds from the sale of foreclosed assets | $524.0K | ||
| Proceeds from the sale of assets held for sale | $0 | $0 | $1.9M |
| Net cash used by investing activities | -$25.0M | -$33.0M | -$121.9M |
| Net change in deposits | $24.9M | $11.7M | $216.1M |
| Proceeds from FHLB advances and other debt | $10.2M | $27.2M | $37.1M |
| Repayments on FHLB advances and other debt | -$2.0M | -$44.5M | -$36.6M |
| Net change in advances by borrowers for taxes and insurance | $285.0K | $59.0K | -$1.3M |
| Cash dividends paid | -$1.9M | -$1.6M | -$1.5M |
| Proceeds from exercise of stock options | $0 | $0 | $84.0K |
| Acquisition of treasury shares surrendered upon vesting of restricted stock and exercised options for payment of taxes and exercise proceeds | -$147.0K | -$129.0K | -$122.0K |
| Purchase of treasury shares | -$1.3M | -$223.0K | -$177.0K |
| Net cash from (used by) financing activities | $30.1M | -$7.5M | $213.6M |
| Net change in cash and cash equivalents | $23.7M | -$26.3M | $109.8M |
| Interest paid | $64.7M | $72.2M | $58.8M |
| Income tax paid | $2.7M | $664.0K | $4.0M |
| Transfer from loans to foreclosed assets | $524.0K | ||
| Investment payable on limited partnerships | $6.4M | $6.0M | $889.0K |
| Initial recognition of operating lease right-of-use asset | $254.0K | $1.6M | $4.5M |
| Initial recognition of operating lease liability | $254.0K | $1.6M | $4.5M |
No quarter-by-quarter statement was filed.
Corporate structure
CF BANKSHARES INC. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of CF BANKSHARES INC.
- Fourthstone LLC Filed SCHEDULE 13G/A on CF BANKSHARES INC., latest Aug 14, 2026 (3 filings since Aug 14, 2025)
- BlackRock Filed SCHEDULE 13G on CF BANKSHARES INC., latest Jul 27, 2026
- AllianceBernstein Filed SCHEDULE 13G/A on CF BANKSHARES INC., latest May 18, 2026 (5 filings since Feb 14, 2022)
- Edward W. Cochran Filed SCHEDULE 13D/A on CF BANKSHARES INC., latest Feb 13, 2026 (5 filings since Feb 15, 2022)
- Timothy T. O'Dell Filed SCHEDULE 13G/A on CF BANKSHARES INC., latest Feb 13, 2026 (4 filings since Feb 14, 2023)
- Castle Creek Capital Partners VI, LP Filed SCHEDULE 13D/A on CF BANKSHARES INC., latest Feb 3, 2026
- Castle Creek Capital Partners VII, LP Filed SCHEDULE 13D/A on CF BANKSHARES INC., latest Dec 16, 2025 (18 filings since Nov 26, 2024)
- Ancora Advisors LLC Filed SC 13D/A on CF BANKSHARES INC., latest May 26, 2022
- Elizabeth Park Capital Advisors, Ltd. Filed SC 13G/A on CF BANKSHARES INC., latest Feb 11, 2022
- CF BANKSHARES INC. Columbus, Ohio, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What CF BANKSHARES INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Land and buildings | $248.0K3 Dec 31, 2025 | $248.0K3 Dec 31, 2024 | 0% |
| Buildings and improvements | $2.8M3 Dec 31, 2025 | $2.4M3 Dec 31, 2024 | +14.8% |
| Furniture and fixtures | $2.9M3 Dec 31, 2025 | $2.8M3 Dec 31, 2024 | +4.4% |
| Property and equipment, before depreciation | $5.9M3 Dec 31, 2025 | $5.5M3 Dec 31, 2024 | +8.9% |
| Accumulated depreciation | $2.4M3 Dec 31, 2025 | $1.9M3 Dec 31, 2024 | +24.5% |
| Property and equipment, net | $3.5M3 Dec 31, 2025 | $3.5M3 Dec 31, 2024 | +0.3% |
| Operating-lease assets (leased space) | $5.7M3 Dec 31, 2025 | $6.1M3 Dec 31, 2024 | −6.7% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $259.0M3 Dec 31, 2025 | $235.3M3 Dec 31, 2024 | +10.1% |
| Debt securities available for sale | $17.5M3 Dec 31, 2025 | $8.7M3 Dec 31, 2024 | +101.5% |
| Equity securities at fair value | $03 Dec 31, 2025 | $5.0M3 Dec 31, 2024 | −100.0% |
| Deposits held (banks) | $1.8B3 Dec 31, 2025 | $1.8B3 Dec 31, 2024 | +1.4% |
Properties, in its own words
We currently conduct our business through eight branch offices located in Franklin, Cuyahoga, Delaware, Hamilton and Summit counties in Ohio and one branch office located in Marion County, Indiana as of December 31, 2025. The net book value of the Company’s real properties totaled $1.7 million at December 31, 2025, related to the owned facility used for the Company's branch office in Indianapolis, Indiana. CFBank leases its other seven branch offices in Columbus, Ohio, Cleveland, Ohio, Orange Village, Ohio, Fairlawn, Ohio, Blue Ash, Ohio, Cincinnati, Ohio. See Note 8 to the Consolidated Financial Statements included in this Form 10-K for further discussion.
Locations
The rest of Item 2
Administrative Office (leased facility):
4960 East Dublin Granville Road, Suite 400
Branch Offices:
New Albany Branch (leased facility)
4960 East Dublin Granville Road, Suite 400
Polaris Branch (leased facility)
1942 Polaris Parkway
Pinecrest Branch (leased facility)
100 Park Ave, Suite 420.
Orange Village, Ohio 44122
Ohio City Branch (leased facility)
2715 Detroit Ave.
Cleveland, Ohio 44113
Fairlawn Branch (leased facility)
3009 Smith Road, Suite 100
Fairlawn, Ohio 44333
Blue Ash Branch (leased facility)
10300 Alliance Rd. #150
Cincinnati, Ohio 45242
Red Bank Branch (leased facility)
4770 Red Bank Expressway
Cincinnati, Ohio 45227
Indianapolis Branch (owned facility)
4729 East 82nd Street
Indianapolis, Indiana 46250
Item 2 of the 10-K filed Mar 12, 2026.15
Leadership
Who has led CF BANKSHARES INC., and when. Pick a name to see everywhere that person has worked.
Chair
President
Chief financial officer
Chief operating officer
- Chief executive officerTimothy T. O'Dell Aug 31, 2012 to now16
- Chief executive officerEloise L. Mackus Jul 19, 2010 to Aug 22, 201217
- Chief executive officerMark Allio Jan 12, 2006 to Dec 15, 200918
- ChairMark Allio Jan 12, 2006 to Dec 15, 200918
- PresidentBradley J. Ringwald Jan 27, 2023 to now19
- PresidentThad R. Perry Aug 31, 2012 to Jun 4, 201420
- PresidentTherese Ann Liutkus Jul 19, 2010 to Aug 22, 201221
- PresidentRaymond E. Heh Feb 16, 2007 to Oct 17, 200822
- PresidentR. Parker Macdonell Jan 12, 2006 to Feb 26, 200923
- Chief financial officerKevin J. Beerman Feb 17, 2022 to now24
- Chief financial officerJohn W. Helmsdoerfer Jr. Mar 28, 2013 to Jul 31, 202025
- Chief financial officerTherese Ann Liutkus Jan 12, 2006 to Aug 22, 201226
- Chief operating officerMarianne McKinney Jan 27, 2023 to now27
- Chief operating officerRaymond E. Heh Feb 16, 2007 to Oct 17, 200822
Board members and other officers (24)
- EVP & Chief Credit OfficerTimothy Meder Feb 21, 2024 to now28
- Chief Comm Banking OfficerBradley J. Ringwald Mar 17, 2022 to Mar 17, 202229
- EVP & Sr Operations MngrMarianne McKinney Apr 8, 2022 to Jul 19, 202230
- SVP, Senior Financial OfficerKevin J. Beerman Aug 19, 2020 to Feb 24, 202131
- Manager Commercial BankingTimothy R. Fitzwater May 19, 2011 to Aug 22, 201232
- Director of Mortgage DivisionCorey David Caster Mar 1, 2010 to Jul 1, 201133
- Vice chairDavid C. Vernon Jan 12, 2006 to Nov 15, 200734
- SVP, Gen. Counsel & SecretaryEloise L. Mackus Jan 12, 2006 to Oct 17, 200835
- Board memberBradley J. Ringwald Apr 7, 2026 to now36
- Board memberSundeep Rana Aug 18, 2021 to now37
- Board memberDavid L. Royer Jul 13, 2018 to now38
- Board memberRobert H. Milbourne Jun 14, 2013 to Jun 10, 202039
- Board memberDonal H. Malenick Aug 31, 2012 to Jan 30, 201340
- Board memberJames H. Frauenberg Ii. Aug 31, 2012 to now41
- Board memberRobert E. Hoeweler Aug 31, 2012 to now42
- Board memberThad R. Perry Aug 31, 2012 to Jun 4, 201420
- Board memberTimothy T. O'Dell Aug 31, 2012 to now16
- Board memberEdward W. Cochran Dec 28, 2012 to now43
- Board memberJeffrey W. Aldrich Feb 16, 2007 to Aug 22, 201244
- Board memberJerry F. Whitmer Feb 16, 2007 to Aug 22, 201245
- Board memberDavid C. Vernon Jan 12, 2006 to Nov 21, 200834
- Board memberGerry W. Grace Jan 12, 2006 to Aug 22, 201246
- Board memberThomas P. Ash Jan 12, 2006 to now47
- Board memberWilliam R. Downing Jan 12, 2006 to Aug 22, 201248
Former names
Timeline
- Jul 28, 20268-K Results of operations49
- May 28, 20268-K Shareholder vote50
- May 27, 20268-K Regulation FD disclosure51
- May 5, 20268-K Results of operations52
- Apr 24, 20268-K Regulation FD disclosure53
- Mar 26, 20268-K Executive or director change54
- Feb 5, 20268-K Results of operations55
- Dec 18, 20258-K Other events56
- Dec 17, 20258-K Executive or director change57
- Dec 1, 20258-K Other events58
- Nov 3, 20258-K Results of operations59
- Oct 6, 20258-K Other events60
- Aug 31, 2012New chief executive Timothy T. O'Dell becomes CEO16
- Jul 19, 2010New chief executive Eloise L. Mackus becomes CEO17
- Jan 12, 2006New chief executive Mark Allio becomes CEO18
- Sep 10, 1998Founded CF BANKSHARES INC. is founded2
Calendar
Coming up
- Nov 2, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.36 a share, on Nov 3, 2025.61
When it reported results
- Jul 28, 2026Reported quarterly or annual results49
- May 5, 2026Reported quarterly or annual results52
- Feb 5, 2026Reported quarterly or annual results55
- Nov 3, 2025Reported quarterly or annual results59
- Aug 4, 2025Reported quarterly or annual results62
- May 6, 2025Reported quarterly or annual results63
- Feb 12, 2025Reported quarterly or annual results64
- Oct 30, 2024Reported quarterly or annual results65
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
238 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 49 major events, 112 insider forms, 39 large holders, 18 other. The latest 20:
- Sep 14, 20264 EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 7, 202610-Q EDGAR
- Aug 5, 20264 EDGAR
- Jul 28, 20268-K EDGAR
- Jul 27, 2026SCHEDULE 13G EDGAR
- Jun 15, 20264 EDGAR
- May 28, 20268-K EDGAR
- May 27, 20268-K EDGAR
- May 22, 20264 EDGAR
- May 18, 2026SCHEDULE 13G/A EDGAR
- May 11, 202610-Q EDGAR
- May 5, 20268-K EDGAR
- Apr 24, 20264 EDGAR
- Apr 24, 20268-K EDGAR
- Apr 23, 2026DEF 14A EDGAR
- Apr 17, 20264 EDGAR
- Apr 17, 20264 EDGAR
- Apr 17, 20264 EDGAR
- Apr 7, 20264 EDGAR
The 238 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
35 open-market trades by officers, directors and large owners since October 2021: 25 buys and 10 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 11, 2026 | McKinney MarianneEVP & Chief Operating Officer | Sale | 400 | $35.36 | $14.1K | Form 4 |
| Dec 16, 2025 | Ringwald Bradley JBank President | Buy | 1,000 | $24.07 | $24.1K | Form 4 |
| Dec 15, 2025 | HOEWELER ROBERT EDirector | Buy | 1,000 | $23.87 | $23.9K | Form 4 |
| Dec 12, 2025 | Beerman Kevin JEVP & Chief Financial Officer | Buy | 217 | $23.84 | $5.2K | Form 4 |
| Dec 11, 2025 | Frauenberg James H IIDirector | Buy | 210 | $23.78 | $5.0K | Form 4 |
| Dec 4, 2025 | ASH THOMAS PDirector | Buy | 200 | $23.91 | $4.8K | Form 4 |
| Aug 20, 2025 | O'Dell Timothy TCEO | Sale | 10,833 | $25.50 | $276.2K | Form 4 |
| Aug 18, 2025 | McKinney MarianneEVP & Chief Operating Officer | Sale | 1,700 | $24.54 | $41.7K | Form 4 |
| Aug 14, 2025 | O'Dell Timothy TCEO | Sale | 210 | $25.02 | $5.3K | Form 4 |
| Aug 14, 2025 | O'Dell Timothy TCEO | Sale | 210 | $25.02 | $5.3K | Form 4 |
| Aug 13, 2025 | O'Dell Timothy TCEO | Sale | 8,957 | $25.37 | $227.2K | Form 4 |
| Aug 13, 2025 | O'Dell Timothy TCEO | Sale | 8,957 | $25.37 | $227.2K | Form 4 |
| Mar 17, 2025 | ASH THOMAS PDirector | Buy | 100 | $22.87 | $2.3K | Form 4 |
| Mar 11, 2025 | HOEWELER ROBERT EDirector | Buy | 1,000 | $21.80 | $21.8K | Form 4 |
| Dec 16, 2024 | O'Dell Timothy TCEO | Sale | 20,522 | $26.54 | $544.7K | Form 4 |
| Dec 13, 2024 | O'Dell Timothy TCEO | Sale | 2,278 | $27.28 | $62.1K | Form 4 |
| Nov 11, 2024 | Rana SundeepDirector | Sale | 497 | $29.00 | $14.4K | Form 4 |
| May 22, 2024 | Frauenberg James H IIDirector | Buy | 525 | $19.07 | $10.0K | Form 4 |
| May 15, 2024 | ASH THOMAS PDirector | Buy | 500 | $18.96 | $9.5K | Form 4 |
| May 14, 2024 | O'Dell Timothy TCEO | Buy | 960 | $18.95 | $18.2K | Form 4 |
All 35 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 3 filings Aug 14, 2025 to Aug 14, 202666
- BlackRockSCHEDULE 13G, 1 filing Jul 27, 202667
- AllianceBernsteinSCHEDULE 13G/A, 5 filings Feb 14, 2022 to May 18, 202668
- Edward W. CochranSCHEDULE 13D/A, 5 filings Feb 15, 2022 to Feb 13, 202669
- Timothy T. O'DellSCHEDULE 13G/A, 4 filings Feb 14, 2023 to Feb 13, 202670
- Castle Creek Capital Partners VI, LPSCHEDULE 13D/A, 1 filing Feb 3, 202671
- Castle Creek Capital Partners VII, LPSCHEDULE 13D/A, 18 filings Nov 26, 2024 to Dec 16, 202572
- Ancora Advisors LLCSC 13D/A, 1 filing May 26, 202273
- Elizabeth Park Capital Advisors, Ltd.SC 13G/A, 1 filing Feb 11, 202274
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Timothy T. O'Dell | 72 | $517.5K | $1.4M75 |
| 2025 | Bradley J. Ringwald | 52 | $336.4K | $860.0K75 |
| 2025 | Kevin J. Beerman | 53 | $222.5K | $596.5K75 |
| 2024 | President and Chief Executive Officer of the Company and | $508.8K | $1.6M75 | |
| 2024 | President of CFBank | $330.7K | $729.6K75 | |
| 2024 | Executive VicePresident and Chief Financial Officer of the | $218.8K | $496.2K75 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 377,718 | $12.4M | 0.0% | +67,406 |
| Vanguard Capital Management LLC | 209,107 | $6.9M | 0.0% | +7,106 |
| First Manhattan Co. Llc. | 187,022 | $6.1M | 0.0% | No change |
| Two Sigma Investments, LP | 171,288 | $5.6M | 0.0% | +122,387 |
| Fourthstone LLC | 159,824 | $5.3M | 3.7% | −479,554 |
| Daytona Street Capital LLC | 151,386 | $4.8M | 3.5% | No change |
| Rhino Investment Partners, Inc | 135,517 | $4.4M | 1.3% | +10,140 |
| Dimensional Fund Advisors LP | 123,250 | $4.0M | 0.0% | +31,128 |
| Geode Capital Management, LLC | 118,800 | $3.9M | 0.0% | +11,793 |
| Marshall Wace, Llp | 118,575 | $3.9M | 0.0% | +86,054 |
| Fifth Third Bancorp | 114,914 | $3.8M | 0.0% | No change |
| Citadel Advisors LLC | 104,173 | $3.4M | 0.0% | +62,572 |
| Renaissance Technologies LLC | 102,423 | $3.4M | 0.0% | +7,944 |
| American Century Companies Inc | 82,743 | $2.7M | 0.0% | +31,513 |
| Qube Research & Technologies Ltd | 81,985 | $2.7M | 0.0% | +40,095 |
| UBS Group AG | 79,583 | $2.6M | 0.0% | +75,627 |
| State Street Corp | 73,002 | $2.4M | 0.0% | +17,419 |
| Alliancebernstein L.P. | 74,726 | $2.1M | 0.0% | −165,837 |
| Mcdonald Partners LLC | 58,702 | $1.9M | 0.5% | −725 |
| Aqr Capital Management LLC | 49,122 | $1.6M | 0.0% | +10,474 |
| Goldman Sachs Group Inc | 48,345 | $1.6M | 0.0% | −7,719 |
| Bridgeway Capital Management, LLC | 45,174 | $1.5M | 0.0% | +1,004 |
| De Lisle Partners LLP | 41,276 | $1.3M | 0.1% | No change |
| Northern Trust Corp | 39,185 | $1.3M | 0.0% | −15,481 |
| Salzhauer Michael | 39,003 | $1.3M | 0.5% | No change |
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How CF BANKSHARES INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARCF BANKSHARES INC.1
- CIK0001070680
- Employer ID (EIN)34-187713715
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company15
- Incorporated inDelaware15
- Fiscal year endsDecember 311
- Industry code (SIC)6021 National Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business addressC/O Cfbank, 4960 East Dublin Granville Rd, Suite 400, Columbus, OH 430811
- Phone61433479791
- Shares outstanding6,434,002 Common Stock shares; 76,700 Nonvoting Common Stock shares as of Mar 10, 202615
- Public float$136.0M as of Jun 30, 202515
- AuditorPlante & Moran, PLLC, Cleveland, Ohio PCAOB ID 166; it also attests to the company’s internal control over financial reporting15
- On EDGAR sinceSep 23, 19981
- Filings1,119 in all: 4 (416), 8-K (292), 10-Q (56), SC 13G/A (41), DEF 14A (31), 10QSB (27), 3 (25), SC 13D/A (21)1
All 56 form types
10-K (19), SCHEDULE 13D/A (18), SC 13G (16), 4/A (12), 5 (11), S-8 (10), SC 13D (9), 10KSB (8), EFFECT (8), PRE 14A (8), S-3 (7), SCHEDULE 13G/A (6), CORRESP (5), UPLOAD (5), 424B3 (4), 8-K/A (4), S-8 POS (4), ARS (3), D (3), DEFA14A (3), FWP (3), POS AM (3), S-1/A (3), S-3/A (3), SC 13E3/A (3), 10QSB/A (2), 11-K (2), 144 (2), D/A (2), NT 10-Q (2), PRER14A (2), REGDEX (2), S-1 (2), SCHEDULE 13G (2), 10-K/A (1), 10KSB/A (1), 10KSB40 (1), 3/A (1), 424B1 (1), 5/A (1), 8-A12G (1), DEL AM (1), NO ACT (1), RW (1), S-2 (1), SB-2 (1), SB-2/A (1), SC 13E3 (1)
- Latest filingsAnnual report (10-K) Mar 12, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 23, 2026
Latest 8-K (8-K) Jul 28, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, par value $.01 per share | CFBK | NASDAQ |
From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).15
Risk factors and legal proceedings
The risks CF BANKSHARES INC. names in Item 1A of its 10-K filed Mar 12, 2026: 34 risks under these headings, as written.15
- Economic, Market and Political Risks
- Changes in economic and political conditions could adversely affect our earnings through declines in deposits, loan demand, the ability of our customers to repay loans and the value of the collateral securing our loans.
- Changing interest rates may decrease our earnings and asset values.
- Defaults by other financial institutions could adversely affect our business, earnings and financial condition.
- Risks Related to Our Lending Activities
- Our allowance for credit losses may not be adequate to absorb the expected, lifetime losses in our loan portfolio.
- Our emphasis on commercial, commercial real estate and multi-family residential real estate lending may expose us to increased lending risks.
- Our adjustable-rate loans may expose us to increased lending risks.
- We may be required to repurchase loans we have sold or indemnify loan purchasers under the terms of the sale agreements, which could adversely affect our liquidity, results of operations and financial condition.
- We depend upon the accuracy and completeness of information about customers and counterparties.
- Our business and financial results are subject to risks associated with the creditworthiness of our customers and counterparties.
- Risks Related to Our Business Operations
The other 25 risks
- We may not be able to effectively manage our growth.
- Future acquisitions or other expansion may adversely affect our financial condition and results of operations.
- We face strong competition from other financial institutions, financial services companies and other organizations offering services similar to those offered by us, which could result in our not being able to sustain or grow our loan and deposit businesses.
- We rely heavily on our management team and other key employees, and the unexpected loss of key employees may adversely affect our operations.
- We are exposed to operational risk.
- Unauthorized disclosure of sensitive or confidential client information or breaches in security of our systems could severely harm our business.
- Our business could be adversely affected through third parties who perform significant operational services on our behalf.
- Derivative transactions may expose us to unexpected risk and potential losses.
- Legislative, Legal and Regulatory Risks
- We operate in a highly regulated industry, and the laws and regulations that govern our operations, corporate governance, executive compensation and financial accounting, or reporting, including changes in, or failure to comply with the same, may adversely affect the Company.
- Legislative or regulatory changes or actions could adversely impact our business.
- We are subject to limitations and conditions on certain activities as a result of our “Needs to Improve” CRA rating.
- Deposit insurance premiums may increase and have a negative effect on our results of operations.
- We may be the subject of litigation which could result in legal liability and damage to our business and reputation.
- Changes in accounting standards, policies, estimates or procedures could impact our reported financial condition or results of operations.
- Noncompliance with the Bank Secrecy Act (BSA) and other anti-money laundering statutes and regulations could cause a material financial loss.
- Risks Related to our Capital and Capital Stock
- We are a holding company and depend on our subsidiary bank for dividends.
- We may elect or need to raise additional capital in the future, but capital may not be available when it is needed.
- Although publicly traded, our Common Stock has less liquidity than the average liquidity of stocks listed on NASDAQ.
- The market price of our Common Stock may be subject to fluctuations and volatility.
- Provisions in the Holding Company’s Amended and Restated Certificate of Incorporation and statutory provisions could discourage a hostile acquisition of control.
- General Risk Factors
- Adverse changes in the financial markets may adversely impact our results of operations.
- We are at risk of increased losses from fraud.
- Changes in tax laws could adversely affect our performance.
- We need to constantly update our technology in order to compete and meet customer demands.
- Climate change, severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact our business.
Legal proceedings
We may, from time to time, be involved in various legal proceedings in the normal course of business. Periodically, there have been various claims and lawsuits involving CFBank, such as claims to enforce liens, condemnation proceedings on properties in which CFBank holds security interests, claims involving the making and servicing of real property loans and other issues incident to our banking business. We are not a party to any pending legal proceeding that management believes would have a material adverse effect on our financial condition or operations, if decided adversely to us.
The opening of Item 3, Legal Proceedings.15
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 18SEC EDGARMark Allio, Chief executive officer
- 19SEC EDGARBradley J. Ringwald, President
- 20SEC EDGARThad R. Perry, President
- 21SEC EDGARTherese Ann Liutkus, President
- 22SEC EDGARRaymond E. Heh, President
- 23SEC EDGARR. Parker Macdonell, President
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- 34SEC EDGARDavid C. Vernon, Vice chair
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- 36SEC EDGARBradley J. Ringwald, Board member
- 37SEC EDGARSundeep Rana, Board member
- 38SEC EDGARDavid L. Royer, Board member
- 39SEC EDGARRobert H. Milbourne, Board member
- 40SEC EDGARDonal H. Malenick, Board member
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- 42SEC EDGARRobert E. Hoeweler, Board member
- 43SEC EDGAREdward W. Cochran, Board member
- 44SEC EDGARJeffrey W. Aldrich, Board member
- 45SEC EDGARJerry F. Whitmer, Board member
- 46SEC EDGARGerry W. Grace, Board member
- 47SEC EDGARThomas P. Ash, Board member
- 48SEC EDGARWilliam R. Downing, Board member
- 49SEC EDGARResults of operations
- 50SEC EDGARShareholder vote
- 51SEC EDGARRegulation FD disclosure
- 52SEC EDGARResults of operations
- 53SEC EDGARRegulation FD disclosure
- 54SEC EDGARExecutive or director change
- 55SEC EDGARResults of operations
- 56SEC EDGAROther events
- 57SEC EDGARExecutive or director change
- 58SEC EDGAROther events
- 59SEC EDGARResults of operations
- 60SEC EDGAROther events
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