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CF BANKSHARES INC.

For the period ended Dec 31, 2025. Filed Mar 12, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 12, 2026

CFBK$35.15+0.5%Stored close · as of Nov 9, 2026

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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorize

CF BANKSHARES INC.

/s/ Timothy T. O’Dell

Timothy T. O’Dell

President and Chief Executive Officer

Date: March 12, 2026

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

NameTitleDate
/s/ Timothy T. O’DellDirector, President and Chief Executive OfficerMarch 12, 2026
Timothy T. O’Dell
/s/ Kevin J. BeermanExecutive Vice President and Chief Financial OfficerMarch 12, 2026
Kevin J. Beerman
/s/ Robert E. HoewelerChairmanMarch 12, 2026
Robert E. Hoeweler
/s/ Thomas P. AshDirectorMarch 12, 2026
Thomas P. Ash
/s/ James H. Frauenberg IIDirectorMarch 12, 2026
James H. Frauenberg II
/s/ Edward W. CochranDirectorMarch 12, 2026
Edward W. Cochran
/s/ David L. RoyerDirectorMarch 12, 2026
David L. Royer
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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.