Company: CFBK
Filing Date: 2025-01-21
Form Type: S-3/A
Source: 0001193125-25-009427
Chunk: 6

Company: CF BANKSHARES INC.
Filing Date: 2025-01-21
Form: S-3/A
Chunk 6
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 future events, actions or economic performance; and (4) statements of assumptions underlying such statements. Words such as “estimate,” “strategy,” “may,” “believe,” “anticipate,” “expect,” “predict,” “will,” “intend,” “plan,” “targeted,” and the negative of these terms, or similar expressions, are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements. Forward-looking statements are not guarantees of performance and are inherently subject to known and unknown risks, uncertainties and assumptions that are difficult to predict and could cause our actual results, performance or achievements to differ materially from those expressed in or implied by the forward-looking statements. Such risks and uncertainties will be described under the “RISK FACTORS” heading of any applicable prospectus supplement and under similar headings in our periodic reports filed with the SEC, which are incorporated by reference in this prospectus, and include, among other factors:

| • |     | 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;   |

| • |     | the effects of interest rate policies, changes in the interest rate environment due to economic conditions                                                                                                                                                
 and/or the fiscal and monetary policy measures undertaken by the U.S. government and the Federal Reserve Board, including changes in the Federal Funds Target Rate, in response to such economic conditions, which could adversely impact interest rates, 
 the interest rate yield curve, interest margins, loan demand and interest rate sensitivity;                                                                                                                                                               |

| • |     | the effects of inflationary pressures and the impact of elevated interest rates on borrowers’ liquidity 
 and ability to repay;                                                                                   |

| • |     | defaults by other financial institutions could adversely affect our business, earnings and financial 
 condition;                                                                                           |

| • |     | our allowance for credit losses may not be adequate to absorb the expected lifetime losses in our loan                                                                                                                                            
 portfolio, and any increase in our allowance for credit losses or loan charge-offs, including increases required by applicable regulatory authorities, could have a material adverse effect on our financial condition and results of operations; |

| • |     | 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; |

| • |     | our business and financial results are subject to risks associated with