# EDGAR Filing Document

**Accession Number:** 0001070680
**File Stem:** 0001104659-25-085633
**Filing Date:** 2025-8
**Character Count:** 11743
**Document Hash:** 5f82aa9d93d325103801fda085747d10
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-085633.hdr.sgml**: 20250829

**ACCESSION NUMBER**: 0001104659-25-085633

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13D/A

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250829

**DATE AS OF CHANGE**: 20250829

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CF BANKSHARES INC.
- **CENTRAL INDEX KEY:** 0001070680
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 341877137
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-55853
- **FILM NUMBER:** 251280680

**BUSINESS ADDRESS:**
- **STREET 1:** C/O CFBANK
- **STREET 2:** 4960 EAST DUBLIN GRANVILLE RD, SUITE 400
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43081
- **BUSINESS PHONE:** 6143347979

**MAIL ADDRESS:**
- **STREET 1:** C/O CFBANK
- **STREET 2:** 4960 EAST DUBLIN GRANVILLE RD, SUITE 400
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43081

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CENTRAL FEDERAL CORP
- **DATE OF NAME CHANGE:** 20030509

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GRAND CENTRAL FINANCIAL CORP
- **DATE OF NAME CHANGE:** 19980918
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Castle Creek Capital Partners VII, LP
- **CENTRAL INDEX KEY:** 0001746800

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A

**BUSINESS ADDRESS:**
- **STREET 1:** 6051 EL TORDO #1329
- **CITY:** RANCHO SANTA FE
- **STATE:** CA
- **ZIP:** 92067
- **BUSINESS PHONE:** (858) 756-8300

**MAIL ADDRESS:**
- **STREET 1:** 6051 EL TORDO #1329
- **CITY:** RANCHO SANTA FE
- **STATE:** CA
- **ZIP:** 92067

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13D

### Under the Securities Exchange Act of 1934

**(Amendment No. 13)**

**CF BANKSHARES INC.**

*(Name of Issuer)*

**Common Stock, par value $0.01 per share**

*(Title of Class of Securities)*

**12520L109**

*(CUSIP Number)*

**Deborah Sykes**<br>11682 El Camino Real, Suite 320<br>San Diego CA 92130<br>858-756-8300

*(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)*

**08/27/2025**

*(Date of Event Which Requires Filing of this Statement)*

| **CUSIP No.** | **12520L109** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**Castle Creek Capital Partners VII, LP** | Name of reporting person<br>**Castle Creek Capital Partners VII, LP** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**WC** | Source of funds (See Instructions)<br>**WC** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**DELAWARE** | Citizenship or place of organization<br>**DELAWARE** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**600928.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**600928.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**600928.00** | Aggregate amount beneficially owned by each reporting person<br>**600928.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**9.9%** | Percent of class represented by amount in Row (11)<br>**9.9%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**PN** | Type of Reporting Person (See Instructions)<br>**PN** | |

---

**Comment for Reporting Person:** (1) The information set forth in Item 5 of this statement on Schedule 13D is incorporated herein by reference.

| **CUSIP No.** | **12520L109** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**Castle Creek Capital VII LLC** | Name of reporting person<br>**Castle Creek Capital VII LLC** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**AF** | Source of funds (See Instructions)<br>**AF** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**DELAWARE** | Citizenship or place of organization<br>**DELAWARE** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**600928.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**600928.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**600928.00** | Aggregate amount beneficially owned by each reporting person<br>**600928.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**9.9%** | Percent of class represented by amount in Row (11)<br>**9.9%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**HC** | Type of Reporting Person (See Instructions)<br>**HC** | |

---

**Comment for Reporting Person:** (1) The information set forth in Item 5 of this statement on Schedule 13D is incorporated herein by reference.

**Item 1. Security and Issuer**

**(a) Title of Class of Securities:**
Common Stock, par value $0.01 per share

**(b) Name of Issuer:**
CF BANKSHARES INC.

**(c) Address of Issuer's Principal Executive Offices:**
4960 E. Dublin Granville Road, Suite #400, Columbus, OH, 43081

This Amendment No. 13 to Schedule 13D (this "Amendment No. 13") amends and supplements the Schedule 13D filed on December 24, 2019 (the "Original Schedule 13D", and as amended by Amendment No. 1 filed on March 31, 2020, Amendment No. 2 filed on June 1, 2020, Amendment No. 3 filed on November 26, 2024, Amendment No. 4 filed on December 3, 2024, Amendment No. 5 filed on December 12, 2024, Amendment No. 6 filed on May 14, 2025, Amendment No. 7 filed on May 22, 2025, Amendment No. 8 filed on July 3, 2025, Amendment No. 9 filed on July 10, 2025, Amendment No. 10 filed on July 23, 2025, Amendment No. 11 filed on August 15, 2025 and Amendment No. 12 filed on August 26, 2025, the "Schedule 13D") with the U.S. Securities and Exchange Commission (the "SEC"), relating to the shares of common stock, par value $0.01 per share ("Voting Common Stock"), of CF Bankshares Inc. (formerly known as Central Federal Corporation) (the "Issuer" or the "Company").  Unless specifically amended hereby, the disclosures set forth in the Schedule 13D remain unchanged.  Capitalized terms used in this Amendment No. 13 that are not otherwise defined herein have the meanings attributed to them in the Original Schedule 13D.

**Item 5. Interest in Securities of the Issuer**

**(a)**
Item 5(a) and (b) of the Schedule 13D is hereby amended and supplemented as follows:

Fund VII is deemed to beneficially own 600,928 shares of the Voting Common Stock, which represents approximately 9.9%* of the Voting Common Stock.  Such number of shares of Voting Common Stock includes (i) the 303,148 shares of Voting Common Stock held by Fund VII and (ii) the maximum number of shares (i.e., 297,780 shares) of Voting Common Stock issuable to Fund VII and its affiliates upon conversion of the Non-Voting Common Stock held by Fund VII taking into consideration the Ownership Cap. Such number of shares of Voting Common Stock excludes 300,820 shares of Non-Voting Common Stock.  Since Fund VII does not presently, and will not within the next 60 days, have the right to acquire Voting Common Stock in respect of such Non-Voting Common Stock (due in part to the Ownership Cap), those underlying shares are not included in the amount reported herein.

*This calculation is based on 6,069,987 shares of Voting Common Stock of the Company outstanding, which was calculated based on (i) 5,772,207 shares of Voting Common Stock outstanding as of August 4, 2025, as reported in the Company's Quarterly Report on Form 10-Q filed with the SEC on August 8, 2025, and (ii) increased by the 297,780 shares of Voting Common Stock that would be issued to Fund VII upon conversion of the maximum number of shares of Non-Voting Common Stock permitted in light of the Ownership Cap.

**(b)**
Fund VII has shared power to vote or direct the vote and shared power to dispose or direct the disposition of the 600,928 shares of Voting Common Stock described above with CCC VII.  CCC VII disclaims beneficial ownership of the Voting Common Stock beneficially owned by Fund VII, except to the extent of its pecuniary interest therein.

**(c)**
Item 5(c) of the Schedule 13D is hereby amended and supplemented as follows:

Except as previously disclosed in the Schedule 13D, Fund VII has engaged in the following open market, broker-assisted transactions with respect to the Voting Common Stock during the last 60 days through the date of the event which requires filing of this Schedule 13D:

(i) 19,784 shares of Voting Common Stock sold on August 25, 2025 at a weighted average price of $24.70 per share (in multiple open market, broker-assisted transactions ranging from $24.65 to $24.72 per share, inclusive); (ii) 26,897 shares of Voting Common Stock sold on August 26, 2025 at a weighted average price of $24.70 per share (in multiple open market, broker-assisted transactions ranging from $24.65 to $24.845 per share, inclusive); and (iii) 25,496 shares of Voting Common Stock sold on August 27, 2025 at a weighted average price of $24.58 per share (in multiple open market, broker-assisted transactions ranging from $24.50 to $24.80 per share, inclusive).

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** Castle Creek Capital Partners VII, LP

**Signature:** /s/ Tony Scavuzzo

**Name/Title:** Tony Scavuzzo, Managing Principal

**Date:** 08/29/2025

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** Castle Creek Capital VII LLC

**Signature:** /s/ Tony Scavuzzo

**Name/Title:** Tony Scavuzzo, Managing Principal

**Date:** 08/29/2025