Cf Bankshares Inc. (NASDAQ: CFBK)

CF Bankshares Inc. is a Delaware corporation organized in September 1998 as the holding company for CFBank. CFBank is a nationally chartered boutique commercial bank that operates primarily in five major metro markets Columbus Cleveland Cincinnati Akron Ohio and Indianapolis Indiana. The bank provides commercial retail and mortgage lending services along with treasury management depository services online banking mobile banking and remote deposit capabilities. CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs by offering individualized service and direct access to decision makers. At December 31 2025 the Company reported total assets of $2.1 billion and stockholders equity of $184.4 million.

CF Bankshares Inc. generates revenue principally from interest and fees on loans originated and from noninterest income earned on the sale of loans. The Company’s primary sources of funds include retail and business deposit accounts certificates of deposit brokered certificates of deposit principal and interest payments on loans and securities Federal Home Loan Bank advances other borrowings and proceeds from loan sales. Interest income is also derived from the securities available for sale portfolio which includes U. S. Treasury securities and collateralized mortgage obligations. Fee based income arises from treasury management services loan servicing and other banking products offered to customers. The Company’s earnings are influenced by the volume of loan originations the interest rate environment and the level of deposit gathering activities.

CF Bankshares Inc. competes in a highly fragmented financial services market that includes large national banks regional banks credit unions savings institutions mortgage banking companies and brokerage firms. Many of its competitors possess greater financial resources broader product suites and wider geographic reach. The Company differentiates itself by emphasizing personalized service local decision making and a streamlined customer experience that avoids the bureaucracy often associated with larger institutions. Its boutique positioning allows CFBank to respond quickly to the needs of closely held businesses and entrepreneurs while maintaining the sophistication of larger banks through technology offerings such as online and mobile banking platforms. A well capitalized balance sheet and disciplined underwriting practices further support its competitive stance in the Ohio and Indiana markets.

CF Bankshares Inc. serves a customer base consisting primarily of closely held businesses entrepreneurs retail depositors and small business owners operating within its geographic footprint. The Bank attracts customers seeking commercial loans equipment leases commercial and residential real estate mortgages treasury management services and various deposit products. While the filing does not disclose specific customer names it indicates that relationships are built through local loan officers community contacts and existing customer networks. The Company’s focus on understanding the unique financial requirements of its clients helps to foster long term loyalty and repeat business across its lending and deposit lines.