CFBK on Nasdaq
CF BANKSHARES INC.
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Last updated Oct 16, 2026.
Overview
$17.5MNet income, fiscal 20252
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Financial statements
Every line of the income statement in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans and leases, including fees | $109.3M | $106.8M | $97.4M |
| Securities | $359.0K | $549.0K | $658.0K |
| FHLB and FRB stock dividends | $629.0K | $675.0K | $592.0K |
| Federal funds sold and other | $9.7M | $10.4M | $9.6M |
| Total interest and dividend income | $120.0M | $118.4M | $108.3M |
| Deposits | $60.0M | $67.2M | $56.4M |
| FHLB advances and other debt | $3.7M | $3.1M | $3.1M |
| Subordinated debentures | $1.3M | $1.4M | $1.2M |
| Total interest expense | $65.0M | $71.7M | $60.6M |
| Net interest income | $55.0M | $46.6M | $47.6M |
| Provision for credit losses-loans | $7.5M | $6.1M | $1.9M |
| Provision for credit losses-unfunded commitments | $739.0K | $650.0K | $459.0K |
| Total provision for credit losses | $8.2M | $6.7M | $2.3M |
| Net interest income after provision for credit losses | $46.8M | $39.9M | $45.3M |
| Service charges on deposit accounts | $2.9M | $2.5M | $1.6M |
| Net gains on sales of residential mortgage loans | $716.0K | $435.0K | $119.0K |
| Net (losses) gains on sales of commercial loans | -$18.0K | $246.0K | $66.0K |
| Net loss on sale of equity security | -$103.0K | ||
| Earnings on bank owned life insurance | $933.0K | $850.0K | $625.0K |
| Swap fee income | $424.0K | $321.0K | $715.0K |
| Other | $1.1M | $818.0K | $940.0K |
| Total noninterest income | $5.9M | $5.2M | $4.0M |
| Salaries and employee benefits | $15.7M | $14.2M | $14.5M |
| Occupancy and equipment | $1.8M | $1.8M | $1.7M |
| Data processing | $2.9M | $2.6M | $2.2M |
| Franchise and other taxes | $1.4M | $1.3M | $1.3M |
| Professional fees | $3.2M | $2.7M | $2.5M |
| Director fees | $686.0K | $574.0K | $658.0K |
| Postage, printing and supplies | $142.0K | $152.0K | $149.0K |
| Advertising and marketing | $418.0K | $134.0K | $336.0K |
| Telephone | $186.0K | $210.0K | $257.0K |
| Loan expenses | $915.0K | $1.4M | $619.0K |
| Foreclosed assets, net | $18.0K | ||
| Depreciation | $476.0K | $486.0K | $567.0K |
| FDIC premiums | $2.1M | $2.1M | $2.2M |
| Regulatory assessment | $216.0K | $258.0K | $242.0K |
| Other insurance | $194.0K | $198.0K | $209.0K |
| Impairment of premises and equipment | $56.0K | $60.0K | |
| Other | $934.0K | $831.0K | $945.0K |
| Total noninterest expense | $31.2M | $28.9M | $28.4M |
| Income before incomes taxes | $21.5M | $16.1M | $21.0M |
| Income tax expense | $4.0M | $2.8M | $4.0M |
| Net income | $17.5M | $13.4M | $16.9M |
| Earnings allocated to participating securities (Series D preferred stock) | -$540.0K | -$361.0K | |
| Net income attributable to common stockholders | $17.0M | $13.0M | $16.9M |
| Basic | $2.70 | $2.08 | $2.64 |
| Diluted | $2.69 | $2.06 | $2.63 |
Every line of the balance sheet in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $259.0M | $235.3M | |
| Interest-bearing deposits in other financial institutions | $100.0K | $100.0K | |
| Securities available for sale | $17.5M | $8.7M | |
| Equity securities | $0 | $5.0M | |
| Loans held for sale, at fair value | $5.6M | $2.6M | |
| Loans and leases, net of allowance for credit losses of $17,678 and $17,474, respectively | $1.7B | $1.7B | |
| FHLB and FRB stock | $8.4M | $8.9M | |
| Premises and equipment, net | $3.5M | $3.5M | |
| Operating lease right-of-use assets | $5.7M | $6.1M | |
| Bank owned life insurance | $28.0M | $27.1M | |
| Accrued interest receivable and other assets | $50.7M | $46.2M | |
| Total assets | $2.1B | $2.1B | |
| Noninterest bearing | $285.5M | $273.7M | |
| Interest bearing | $1.5B | $1.5B | |
| Total deposits | $1.8B | $1.8B | |
| FHLB advances and other debt | $101.0M | $92.7M | |
| Advances by borrowers for taxes and insurance | $2.5M | $2.2M | |
| Operating lease liabilities | $5.9M | $6.2M | |
| Accrued interest payable and other liabilities | $27.8M | $25.1M | |
| Subordinated debentures | $15.0M | $15.0M | |
| Total liabilities | $1.9B | $1.9B | |
| Additional paid-in capital | $93.6M | $92.2M | |
| Retained earnings | $103.9M | $88.3M | |
| Accumulated other comprehensive loss | -$1.4M | -$1.8M | |
| Treasury stock, at cost; 459,113 shares of voting common stock at December 31, 2025 and 398,201 shares of voting common stock a December 31, 2024 | -$11.8M | -$10.3M | |
| Total stockholders' equity | $184.4M | $168.4M | $155.4M |
| Total liabilities and stockholders' equity | $2.1B | $2.1B | |
| Loans and leases, allowance | $17.7M | $17.5M | $16.9M |
| Treasury stock, shares | 459.1K shares | 398.2K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $17.5M | $13.4M | $16.9M |
| Provision credit losses | $8.2M | $6.7M | $2.3M |
| Depreciation | $476.0K | $486.0K | $567.0K |
| Accretion, net | -$2.1M | -$1.4M | -$1.0M |
| Deferred income tax (benefit) expense | -$186.0K | -$365.0K | $456.0K |
| Net loss on sale of equity security | $103.0K | ||
| Originations of loans held for sale | -$49.7M | -$47.6M | -$10.8M |
| Proceeds from sale of loans held for sale | $47.5M | $47.3M | $9.7M |
| Net gains on sales of residential mortgage loans | -$716.0K | -$435.0K | -$119.0K |
| Net losses (gains) on sales of commercial loans | $18.0K | -$246.0K | -$66.0K |
| Loss on disposal of premises and equipment | $0 | $56.0K | $60.0K |
| Loss on sale of other assets held for sale | $0 | $0 | $13.0K |
| Earnings on bank owned life insurance | -$933.0K | -$850.0K | -$625.0K |
| Restricted stock expense, net of forfeitures | $1.4M | $1.2M | $1.2M |
| Accrued interest receivable and other assets | $1.5M | $3.5M | -$2.7M |
| Operating lease right-of-use asset | $661.0K | $753.0K | $687.0K |
| Operating lease liability | -$605.0K | -$692.0K | -$686.0K |
| Accrued interest payable and other liabilities | -$4.5M | -$7.6M | $2.2M |
| Net cash from operating activities | $18.7M | $14.2M | $18.1M |
| Available-for-sale securities: Maturities, prepayments and calls | $1.0M | $2.2M | $2.0M |
| Available-for-sale securities, Purchases | -$9.2M | -$2.1M | $0 |
| Proceeds from the sale of equity security | $4.9M | $0 | $0 |
| Loan and lease originations and payments, net | -$33.3M | -$32.4M | -$124.9M |
| Purchase of loans and leases | -$9.9M | -$6.2M | $0 |
| Proceeds from the sale of loans | $20.4M | $5.7M | $1.8M |
| Additions to premises and equipment | -$487.0K | -$266.0K | -$661.0K |
| Redemption (purchase) of FRB and FHLB stock | $564.0K | -$436.0K | -$540.0K |
| Purchase of other investments | $0 | $0 | -$1.2M |
| Other adjustments | $477.0K | $578.0K | -$341.0K |
| Proceeds from the sale of foreclosed assets | $524.0K | ||
| Proceeds from the sale of assets held for sale | $0 | $0 | $1.9M |
| Net cash used by investing activities | -$25.0M | -$33.0M | -$121.9M |
| Net change in deposits | $24.9M | $11.7M | $216.1M |
| Proceeds from FHLB advances and other debt | $10.2M | $27.2M | $37.1M |
| Repayments on FHLB advances and other debt | -$2.0M | -$44.5M | -$36.6M |
| Net change in advances by borrowers for taxes and insurance | $285.0K | $59.0K | -$1.3M |
| Cash dividends paid | -$1.9M | -$1.6M | -$1.5M |
| Proceeds from exercise of stock options | $0 | $0 | $84.0K |
| Acquisition of treasury shares surrendered upon vesting of restricted stock and exercised options for payment of taxes and exercise proceeds | -$147.0K | -$129.0K | -$122.0K |
| Purchase of treasury shares | -$1.3M | -$223.0K | -$177.0K |
| Net cash from (used by) financing activities | $30.1M | -$7.5M | $213.6M |
| Net change in cash and cash equivalents | $23.7M | -$26.3M | $109.8M |
| Interest paid | $64.7M | $72.2M | $58.8M |
| Income tax paid | $2.7M | $664.0K | $4.0M |
| Transfer from loans to foreclosed assets | $524.0K | ||
| Investment payable on limited partnerships | $6.4M | $6.0M | $889.0K |
| Initial recognition of operating lease right-of-use asset | $254.0K | $1.6M | $4.5M |
| Initial recognition of operating lease liability | $254.0K | $1.6M | $4.5M |
Former names
Recent filings
- Sep 14, 20264
- Aug 14, 2026SCHEDULE 13G/A
- Aug 7, 202610-Q
- Aug 5, 20264
- Jul 28, 20268-K
- Jun 15, 20264
- May 28, 20268-K
- May 27, 20268-K
- May 22, 20264
- May 18, 2026SCHEDULE 13G/A
- May 11, 202610-Q
- May 5, 20268-K
- Apr 24, 20268-K
- Apr 24, 20264
- Apr 23, 2026DEF 14A
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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