Company: CFBK
Filing Date: 2025-01-07
Form Type: S-3
Source: 0001193125-25-002885
Chunk: 6

Company: CF BANKSHARES INC.
Filing Date: 2025-01-07
Form: S-3
Chunk 6
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 documents that we incorporate by reference into this prospectus, the documents that we have included as exhibits to the registration statement of which this prospectus is a part and 3

the documents that we refer to under the sections of this prospectus titled “WHERE YOU CAN FIND MORE INFORMATION” and “INCORPORATION BY REFERENCE” completely and with the
understanding that our actual future results could be materially different from what we expect when making the forward-looking statement. We qualify all our forward-looking statements by these cautionary statements. These forward-looking statements
speak only as of the date of this prospectus, the date of the document incorporated by reference or the date of any applicable prospectus supplement. Except as required by applicable laws or regulations, we do not undertake any obligation to update
or revise any forward-looking statement, whether as a result of new information, future events or otherwise.

The Private Securities
Litigation Reform Act of 1995 provides a safe harbor for forward-looking statements, and the purpose of this section is to secure the use of the safe harbor provisions.

CF BANKSHARES INC.

The Company is the registered bank holding company for its wholly-owned subsidiary, CFBank, National Association (“CFBank”). As a
financial holding company, the Company is subject to regulation by the the Board of Governors of the Federal Reserve System (the “FRB”). Currently, the Company does not transact material business other than through CFBank. As a national
bank, CFBank is subject to primary regulation by the Office of the Comptroller of the Currency (the “OCC”) and is further regulated by the Federal Deposit Insurance Corporation and by the FRB.

CFBank is a nationally chartered boutique commercial bank operating primarily in four major metro markets: Columbus, Cleveland, and
Cincinnati, Ohio, and Indianapolis, Indiana. CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs, by providing comprehensive Commercial, Retail and Mortgage Lending services, including online and mobile
banking. In all regional markets, CFBank provides commercial loans and equipment leases, commercial and residential real estate loans and treasury management depository services, residential mortgage lending, and full-service commercial and retail
banking services and products.

Our revenues are derived principally from the generation of interest and fees on loans originated by
CFBank and, to a lesser extent, interest and dividends on securities. Our primary sources of funds are retail and business deposit accounts and certificates of deposit and, to a lesser extent, broker