# EDGAR Filing Document

**Accession Number:** 0001070680
**File Stem:** 0001193125-26-175963
**Filing Date:** 2026-4
**Character Count:** 10012
**Document Hash:** a3d14dd8855d2972130ea0177972ec61
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175963.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175963

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20260424

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**FILER**: 

**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:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-25045
- **FILM NUMBER:** 26891468

**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

?xml version='1.0' encoding='ASCII'? 8-K

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

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** April 24, 2026<br>

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CF BANKSHARES INC.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 0-25045 | 34-1877137 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| C/O CFBANK<br>4960 EAST DUBLIN GRANVILLE RD<br>SUITE 400 |  |  |
| COLUMBUS**,** Ohio |  | 43081 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** (614) 334-7979<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | |
|:---|:---|
| **<br>Title of each class** | **<br>Name of each exchange on which registered** |
| (Voting) Common Stock, $.01 par value<br> CFBK | The Nasdaq Global Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.
On or about April 24, 2026, CF Bankshares Inc. (the "Company") mailed to stockholders its Proxy Statement for the Company's Annual Meeting of Stockholders to be held on May 27, 2026, along with the Company's 2025 Annual Report to Shareholders (the "2025 Annual Report"). The Company's 2025 Annual Report included a letter to stockholders addressing the Company's 2025 results and 2026 outlook. A copy of the letter to stockholders is furnished as Exhibit 99 to this Form 8-K, and is incorporated herein by reference.

The information in this Current Report on Form 8-K is being furnished under Item 7.01 and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or otherwise subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

## Item 9.01 Financial Statements and Exhibits.

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| | |
|:---|:---|
| (a) | Not applicable |
| (b) | Not applicable |
| (c) | Not applicable |
| (d) | <u>Exhibits</u> |
|  | [<u>99</u>](cfbk-ex99.htm)[<u>Letter to Stockholders</u>](cfbk-ex99.htm) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
| Date: | April 24, 2026 | By:  | /s/ Kevin J. Beerman |
|  |  |  | Kevin J. Beerman<br>Executive Vice President and Chief Financial Officer |

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## Ex-99

Dear Fellow Shareholders,

During 2025, we continued to make solid progress in expanding and strengthening our CFBank Regional Banking Teams. Scaling our Commercial Banking franchise remains a core strategic priority, and we continued to invest accordingly. We believe that building scale in high-quality, relationship-driven commercial banking is essential to delivering sustainable results and long-term enterprise value for our shareholders. While these investments require time to fully mature, we expect their impact to become increasingly evident through improved business growth rates during 2026 and beyond.

Throughout the year, we focused on strengthening our leadership teams, enhancing our market presence, and ensuring our bankers are well positioned to serve clients through added value and a true partnership approach to relationships. Our model remains grounded in local decision-making, supported by a full suite of commercial banking services and capabilities. CFBank understands growth and supports growing businesses. This approach continues to differentiate CFBank in a competitive banking environment and aligns well with the needs of small and middle-market businesses seeking a long-term banking partner.

In support of this strategy, during 2025 we nearly doubled the size of our Regional Business Banking teams and related staff. This investment reflects our objective of achieving greater scale by capitalizing on our ability to compete effectively with regional and larger banks for high-quality, full service commercial banking relationships. Successfully winning commercial business from much larger competitors has long been a hallmark of the CFBank franchise and continues to underscore the strength of our relationship-based business model.

Across our markets, our bankers focus on developing deep, long-term client relationships built on responsiveness, accessibility, and a clear understanding of each customer's business dynamics. This approach continues to resonate strongly with entrepreneurs and closely held business owners who value continuity, sound advice, and consistent, reliable execution. Our level of sophistication and expertise matches those of larger regional banks, while our ease of doing business and responsiveness distinguishes CFBank from our competitors. We will continue to invest in talented bankers to support growth in our Commercial Banking line of business, as we remain confident in our ability to attract high-quality business customers, including those requiring comprehensive lending and treasury management relationships.

In addition to scaling our Commercial Bank, we have added key leadership and are continuing to add proven mortgage loan producers (MLOs) to our Residential Mortgage Lending team. Increased volumes of salable residential mortgage loans in the secondary market are expected to drive higher non-interest fee income, which in turn should enhance overall CFBank earnings.

We are also committed to growing our Treasury Management line of business, which serves as both a source of fee income and core deposit relationships, including a targeted focus on the nonprofit (NFP) segment. We are also effectively leveraging lending relationships to drive non-interest-bearing deposits and treasury management growth.

Looking ahead to 2026, which will present its own set of challenges, our priorities remain clear and consistent: disciplined, high-quality growth; strong execution; and the continued creation of long-term shareholder value.

The investments we have made across our Regional Banking teams and commercial banking platform are expected to result in a larger, more scalable franchise, while preserving the lending and expense disciplines that have long underpinned our performance. As these initiatives continue to gain scale, we believe CFBank is well positioned to deliver sustainable earnings growth, strengthen franchise value, and generate attractive long-term returns for our shareholders. Through April 1, 2026, the 1-Year Total Return of your CF Bankshares stock substantially outperformed the NASDAQ Bank Index, +28% vs. +12%. Moving forward, CFBank is well positioned to continue scaling in size, growing both our Commercial Banking franchise, as well as expanding our Residential Lending volumes.

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| | | |
|:---|:---|:---|
| /s/ Timothy T. O'Dell | /s/ Bradley J. Ringwald | /s/ Robert E. Hoeweler |
| Timothy T. O'Dell | Bradley J. Ringwald  | Robert E. Hoeweler |
| President and CEO | President | Chairman of the Board |
| CF Bankshares Inc. | CFBank | CF Bankshares Inc. |

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