Company: CFBK
Filing Date: 2025-01-07
Form Type: S-3
Source: 0001193125-25-002885
Chunk: 27

Company: CF BANKSHARES INC.
Filing Date: 2025-01-07
Form: S-3
Chunk 27
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 information furnished to, rather than filed with, the SEC, will also be incorporated by reference into this prospectus and deemed to be part of this prospectus from the date of the filing of such reports and documents. We will provide to each person to whom this prospectus is delivered, upon written or oral request, without charge, a copy of any or all of the documents that are incorporated by reference into this prospectus (other than exhibits, unless they are specifically incorporated by reference in the documents) and a copy of any or all other contracts, agreements or documents which are referred to in this prospectus or any accompanying prospectus supplement. Requests should be directed to: CF Bankshares Inc. Attention: Timothy T. O’Dell 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 Telephone: (614) 334-7979 18

Up to 1,260,700 Shares of Non-VotingCommon Stock

Up to 1,260,700 Shares of Common Stock Issuable Upon Conversion of Non-VotingCommon Stock

PROSPECTUS

[●], 2025

PART II INFORMATION NOT REQUIRED IN PROSPECTUS Item 14. Other Expenses of Issuance and Distribution. The following are the expenses expected to be incurred in connection with the issuance and distribution of the securities registered hereby (other than underwriting discounts and commissions), all of which are to be paid by the Company. With the exception of the SEC registration fee, all of the amounts set forth below are estimates and actual expenses may vary.

| SEC Filing Fee                   |     | $ |  4,831 |
| Printing expenses                |     |   |  5,000 |
| Legal fees and expenses          |     |   | 25,000 |
| Accounting fees and expenses     |     |   | 10,000 |
| Transfer agent fees and expenses |     |   |  1,000 |
| Miscellaneous expenses           |     |   |  5,000 |
| Total                            |     | $ | 50,831 |

| * | These fees are calculated based on the securities offered and the number of issuances and accordingly cannot 
 be estimated at this time.                                                                                   |

Item 15. Indemnification of Directors and Officers. The Company is incorporated under the laws of the State of Delaware. Section 145 of the General Corporation Law of the State of Delaware (“Section 145”) provides that a Delaware corporation may indemnify any