Form 8-K

8-K — CF BANKSHARES INC.

Accession: 0001193125-26-240626

Filed: 2026-05-27

Period: 2026-05-27

CIK: 0001070680

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — cfbk-20260527.htm (Primary)

EX-99 (cfbk-ex99.htm)

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8-K

8-K (Primary)

Filename: cfbk-20260527.htm · Sequence: 1

8-K

0001070680false00010706802026-05-272026-05-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

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

Date of Report (Date of earliest event reported): May 27, 2026

CF BANKSHARES INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware

0-25045

34-1877137

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

C/O CFBANK

4960 EAST DUBLIN GRANVILLE RD

SUITE 400

COLUMBUS, Ohio

43081

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: (614) 334-7979

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

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:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

(Voting) Common Stock, $.01 par value

CFBK

The Nasdaq Global Market

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. ☐

Item 7.01 Regulation FD Disclosure.

CF Bankshares Inc. is providing additional information in conjunction with its Annual Meeting of Stockholders to be held at 10:00 a.m. on May 27, 2026. The slides provided in conjunction with the Annual Meeting are furnished as Exhibit 99 to this Form 8-K, and are incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(a)

Not applicable

(b)

Not applicable

(c)

Not applicable

(d)

Exhibits

99 Slides provided in conjunction with the Annual Meeting of Stockholders of CF Bankshares, Inc. to be held on May 27, 2026 (furnished pursuant to Item 7.01 hereof).

104 Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

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.

CF Bankshares, Inc.

Date:

May 27, 2026

By:

/s/ Kevin J. Beerman

Kevin J. Beerman

Executive Vice President and Chief Financial Officer

EX-99

Filename: cfbk-ex99.htm · Sequence: 2

CF Bankshares Inc.Annual Stockholders Meeting Wednesday May 27, 2026 Columbus Cleveland Cincinnati Akron Indianapolis

Forward Looking Statements Comments made in this presentation include “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 and are made in good faith by us. Forward-looking statements include but are not limited to: (1) projections of revenues, income or loss, earnings or loss per common share, expense or savings, credit quality, capital structure and other financial items; (2) plans and objectives of the management or Boards of Directors of CF Bankshares Inc. (the “Holding Company”) or CFBank, National Association (“CFBank”); (3) statements regarding 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. Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements. For factors that could cause actual results to differ from our forward-looking statements, please refer to the “Risk Factors” in the Company’s Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other reports filed with the SEC.

CFBank’s strength has always been the ability to compete successfully with regional banking competitors for high-quality commercial banking relationships. At its core, CFBank is a sophisticated, relationship-driven Commercial Bank. Core Commercial loan growth during Q1 2026 totaled approximately $45 million, representing a 15% annualized growth rate, after overcoming nearly $100 million in loan payoffs and amortization. Loan payoff activity is expected to decline meaningfully throughout the remainder of 2026. CFBank nearly doubled the size of its Commercial Banking Team during 2025, expanding new business production capability and market coverage. Loan and deposit pipelines continue to expand as a result of adding proven banking talent, setting the table for stronger growth. The table is set to accelerate the growth of our Commercial Bank. CFBank Well Positioned to Scale, Go Forward

CFBank expects continued growth in residential mortgage loan volumes, along with increased Gain-on-Sale fee income contribution, through adding Mortgage Loan Officers with proven production records. CFBank has strategic initiatives in place, including targeted rate buydown programs designed to incentivize refinancing of the lower-rate mortgage portfolio loans with the objective of converting these loans into higher yielding earning assets. CFBank Residential Mortgage

CFBank continues to identify opportunities for margin expansion while navigating pricing pressures from some larger deposit relationships. The bank remains focused on attracting full-relationship commercial lending and Treasury Management customers. Which includes non-interest bearing deposits and fee income. CFBank Margin

CFBank expects increased earnings contributions from continued growth across its fee income businesses, including: Treasury Management services SWAP fee income Mortgage Gain-on-Sale revenue CFBank Fee Income

CFBank maintains a presence across five major metro markets, providing a strong foundation for opportunity and market share growth. Significant upside opportunity remains for market share expansion across all five markets. CFBank is a full-service National Charter Commercial Bank with a proven track record of delivering above-industry-average growth. Current Book Value: $28.20 as of 3/31/2026. CFBank — A growth-focused, full-service, boutique bank with a unique footprint, across five major markets. CFBank Uniquely Positioned

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