CFBK / CF Bankshares Inc. - Документы SEC, Годовой отчет, Доверенное заявление

CF Bankshares Inc.
US ˙ NasdaqCM ˙ US12520L1098

Основная статистика
LEI 5493005T7GGZJKF4UK64
CIK 1070680
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to CF Bankshares Inc.
SEC Filings (Chronological Order)
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August 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-25045 CF BANKSHARES INC.

August 4, 2025 8-K

FORM 8-K Item 2.02. Results of Operations and Financial Condition. Item 9.01. Financial Statements and Exhibits.

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): August 04, 2025 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 N

August 4, 2025 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA PRESS RELEASE FOR IMMEDIATE RELEASE: August 4, 2025 For Further Information: Timothy T. O'Dell, President & CEO Phone: 614.318.4660 Email: [email protected] CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2025. Columbus, Ohio – August 4, 2025 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Asso

June 4, 2025 8-K

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

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): June 04, 2025 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 Numb

June 4, 2025 EX-99

CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 4, 2025 Columbus Cleveland Cincinnati Akron Indianapolis

CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 4, 2025 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) projection

June 4, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): June 04, 2025 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 Numb

May 12, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-25045 CF BANKSHARES INC.

May 6, 2025 8-K

FORM 8-K Item 2.02. Results of Operations and Financial Condition. Item 9.01. Financial Statements and Exhibits.

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 06, 2025 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 Numbe

May 6, 2025 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA PRESS RELEASE FOR IMMEDIATE RELEASE: May 6, 2025 For Further Information: Timothy T. O'Dell, President & CEO Phone: 614.318.4660 Email: [email protected] CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 1st QUARTER 2025. Columbus, Ohio – May 6, 2025 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Associatio

May 5, 2025 EX-99

Dear Fellow Shareholders,

Exhibit 99 Dear Fellow Shareholders, Throughout 2024, we faced challenges arising from the elevated interest rate environment and credit losses on two loan participations originated in previous years.

May 5, 2025 8-K

FORM 8-K Item 7.01 Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits.

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 05, 2025 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 Numbe

April 29, 2025 DEF 14A

Recommendation and Vote Recommendation and Vote Recommendation and Vote

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

March 31, 2025 EX-16.1

Letter from Forvis Mazars, LLP to the Securities and Exchange Commission dated March 31, 2025

 Exhibit 16.1  March 31, 2025  U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated March 31, 2025 of CF Bankshares Inc. and are in agreement with the statements therein concerning Forvis Mazars LLP. We have no basis to agree or disagree with other statements of the registrant contained therein. /s/ Forvis M

March 31, 2025 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

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): March 26, 2025 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

March 14, 2025 EX-19

Insider Trading Policy

Exhibit 19 INSIDER TRADING POLICY   OVERVIEW It is illegal for any person, either personally or on behalf of others, to trade in securities on the basis of material, nonpublic information.

March 14, 2025 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1  Subsidiaries of the Registrant   CFBank, National Association Central Federal Capital Trust I

March 14, 2025 EX-10.6

First Amendment to the CF Bankshares Inc. 2019 Equity Incentive Plan

Exhibit 10.6  FIRST AMENDMENT TO THE CF BANKSHARES INC. 2019 EQUITY INCENTIVE PLAN (previously known as the Central Federal Corporation 2019 Equity Incentive Plan) THIS FIRST AMENDMENT (this “Amendment”) to the Central Federal Corporation 2019 Equity Incentive Plan (the “Plan”) is adopted on April 24, 2024. WHEREAS, Central Federal Corporation legally changed its name to CF Bankshares Inc. (the “

March 14, 2025 10-K

Foreclosed Assets Investment Activities Sources of Funds

Me UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2024 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSHARES INC. (E

March 14, 2025 EX-4.5

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.5  March 14, 2025  Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549  Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 2024.  Ladies and Gentlemen:  CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K for the fiscal year ende

February 12, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): February 12, 2025 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incor

February 12, 2025 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 12, 2025 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2024.  Columbus, Ohio – February 12, 2025 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Comp

February 4, 2025 8-K

Financial Statements and Exhibits, Other Events

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): January 29, 2025 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

February 4, 2025 EX-99.1

Parent of CFBank

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 4, 2025 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES STOCK REPURCHASE PROGRAM FOR UP TO 325,000 SHARES, OR APPROXIMATELY 5% OF OUTSTANDING COMMON STOCK  Columbus, Ohio – February 4, 2025 – CF Bankshares I

January 22, 2025 CORRESP

CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 (614) 334-7979

CORRESP CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 (614) 334-7979 January 22, 2025 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549 Attention: Aisha Adegbuyi Re: CF Bankshares Inc. Registration Statement on Form S-3 File No. 333-284171 Ladies and Gentlemen: Pursuant t

January 21, 2025 S-3/A

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JANUARY 21, 2025

Table of Contents AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JANUARY 21, 2025 Registration No.

January 7, 2025 S-3

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JANUARY 7, 2025

Table of Contents AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JANUARY 7, 2025 Registration No.

January 7, 2025 EX-FILING FEES

Filing Fee Table*

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) CF Bankshares Inc.

December 12, 2024 EX-FILING FEES

Calculation of Filing Fee Table

EXHIBIT 107.1  Calculation of Filing Fee Tables Form S-8 (Form Type) CF Bankshares Inc. (Exact Name of Registrant as Specified in its Charter)  Table 1: Newly Registered Securities    Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Aggregate Offering Price Per Share(2) Maximum Aggregate Offering Price(2) Fee Rate Amount of Registration Fee Equity

December 12, 2024 SC 13D/A

CFBK / CF Bankshares Inc. / Castle Creek Capital Partners VII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2430929d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 5)* CF BANKSHARES INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 12520L109 (CUSIP Number) Castle Creek Capital Partners VII, LP 11682 El Camino Real, Suite 320 San Diego,

December 12, 2024 S-8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________ FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CF BANKSHARES INC. (Exact name of registrant as specified in its charter)

As filed with the Securities and Exchange Commission on December 12, 2024 Registration No.

December 3, 2024 SC 13D/A

CFBK / CF Bankshares Inc. / Castle Creek Capital Partners VII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2430038d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4)* CF BANKSHARES INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 12520L109 (CUSIP Number) Castle Creek Capital Partners VII, LP 11682 El Camino Real, Suite 320 San Diego,

November 26, 2024 SC 13D/A

CFBK / CF Bankshares Inc. / Castle Creek Capital Partners VII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2429584d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* CENTRAL FEDERAL CORPORATION (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 15346Q400 (CUSIP Number) Castle Creek Capital Partners VII, LP 11682 El Camino Real, Suite 320 S

November 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF B

October 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): October 30, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

October 30, 2024 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: October 30, 2024 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2024.  Columbus, Ohio – October 30, 2024 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the paren

August 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSH

August 6, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): August 6, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

August 6, 2024 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: August 6, 2024 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2024.  Columbus, Ohio – August 6, 2024 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of

June 12, 2024 EX-10.2

First Amendment to Employment Agreement, dated as of June 6, 2024, by and among CF Bancshares Inc., CFBank and Bradley Ringwald (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K dated June 6, 2024, filed with the Commission on June 6, 2024 (File No. 0-25045))

Exhibit 10.2 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT  THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (this “Amendment”) is entered into to be effective as of June 6, 2024 (the “Effective Date”), by and among CF Bankshares Inc. (the “Corporation”), its wholly-owned subsidiary, CF Bank (the “Bank” and, collectively with the Corporation, the “Employer”), and Bradley Ringwald, an individual (the “Execu

June 12, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): June 6, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

June 12, 2024 EX-10.1

First Amendment to Employment Agreement, dated as of June 6, 2024, by and among CF Bancshares Inc., CFBank and Timothy T. O’Dell (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K dated June 6, 2024, filed with the Commission on June 6, 2024 (File No. 0-25045))

Exhibit 10.1 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT  THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (this “Amendment”) is entered into to be effective as of June 6, 2024 (the “Effective Date”), by and among Central Federal Corporation (the “Corporation”), its wholly-owned subsidiary, CF Bank (the “Bank” and, collectively with the Corporation, the “Employer”), and Timothy T. O’Dell, an individual (

May 31, 2024 8-K

Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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 29, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

May 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKS

May 7, 2024 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: May 7, 2024 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 1st QUARTER 2024.  Columbus, Ohio – May 7, 2024 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBan

May 7, 2024 8-K

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 7, 2024 CF BANKSHARES INC. (E

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 7, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporati

April 30, 2024 CORRESP

CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 (614) 334-7979

CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 (614) 334-7979 April 30, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attention: John Stickel      Office of Finance Re: CF Bankshares Inc. Registration Statement on Form S-3 Filed April 15, 2024 File No. 333-278682 Ladies and Gentlem

April 26, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A (RULE 14a-101)  INFORMATION REQUIRED IN PROXY STATEMENT  SCHEDULE 14A INFORMATION  PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934  Filed by the Registrant [X] Filed by a Party other than the Registrant [ ]  Check the appropriate box:  [ ]Preliminary Proxy Statement [ ]Conf

April 16, 2024 DEL AM

CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081

DEL AM CF BANKSHARES INC. 4960 E. Dublin Granville Road, Suite #400 Columbus, Ohio 43081 April 15, 2024 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: CF Bankshares Inc. – Delaying Amendment to Registration Statement on Form S-3 (File No. 333-278682) Ladies and Gentlemen: Pursuant to Rule 473(c) of the Securities Act of 19

April 15, 2024 EX-FILING FEES

Filing Fee Table*

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) CF Bankshares Inc.

April 15, 2024 S-3

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL 15, 2024

Table of Contents AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL 15, 2024 Registration No.

April 15, 2024 8-K

Other Events

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): April 15, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

April 15, 2024 EX-4.17

Form of Indenture for Subordinated Debt Securities.*

Exhibit 4.17 CF BANKSHARES INC. INDENTURE DATED AS OF , 202 , TRUSTEE SUBORDINATED DEBT SECURITIES TABLE OF CONTENTS ARTICLE I 1 DEFINITIONS AND INCORPORATION BY REFERENCE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Definitions 4 SECTION 1.3 Incorporation by Reference of Trust Indenture Act 4 SECTION 1.4 Rules of Construction 4 ARTICLE II 5 THE SECURITIES 5 SECTION 2.1 Issuable in Series 5 SECTI

April 15, 2024 EX-4.16

Form of Indenture for Senior Debt Securities.*

Exhibit 4.16 CF BANKSHARES INC. INDENTURE DATED AS OF        , 202                  , TRUSTEE SENIOR DEBT SECURITIES TABLE OF CONTENTS ARTICLE I 1 DEFINITIONS AND INCORPORATION BY REFERENCE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Definitions 3 SECTION 1.3 Incorporation by Reference of Trust Indenture Act 3 SECTION 1.4 Rules of Construction 4 ARTICLE II 4 THE SECURITIES 4 SECTION 2.1 Issuable

March 29, 2024 10-K

Foreclosed Assets Investment Activities Sources of Funds

Me UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2023 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSHARES INC. (E

March 29, 2024 EX-97

Clawback Policy

Exhibit 97  Executive Officer Clawback Policy This Policy has been adopted by the Board as of the Effective Date.

March 29, 2024 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1  Subsidiaries of the Registrant   CFBank, National Association Central Federal Capital Trust I

March 29, 2024 EX-4.5

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.5  March 28, 2024  Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549  Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 2023.  Ladies and Gentlemen:  CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K for the fiscal year ende

March 29, 2024 EX-4.4

Exhibit 4.4

Exhibit 4.4   DESCRIPTION OF CAPITAL STOCK  As of March 15, 2024, CF Bankshares Inc. (the “Company,” “we,” “us” or “our”) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”): our Voting Common Stock (as defined below). The following is a summary of the material terms, limitations, voting powers and relative rights of ou

February 14, 2024 SC 13D/A

CFBK / CF Bankshares Inc. / Cochran Edward W - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 9)* Under the Securities Exchange Act of 1934 CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telephone Number of Person Authorized to Rec

February 14, 2024 SC 13G/A

CFBK / CF Bankshares Inc. / O'Dell Timothy T - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which

February 14, 2024 SC 13G/A

CFBK / CF Bankshares Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

February 7, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): February 7, 2024 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

February 7, 2024 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 7, 2024 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2023.  Columbus, Ohio – February 7, 2024 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Compan

February 6, 2024 EX-3.1

Certificate of Designations to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Current Report on Form 8-K dated February 5, 2024, filed with the Commission on February 6, 2024 (File No. 0-25045))

Exhibit 3.1 CERTIFICATE OF DESIGNATIONS OF SERIES D CONVERTIBLE PERPETUAL PREFERRED STOCK OF CF BANKSHARES INC. Pursuant to the provisions of the certificate of incorporation and the bylaws of the Corporation and applicable law, a series of preferred stock, $0.01 par value per share, of the Corporation be and hereby is created, and that the designation and number of shares of such series, and the

February 6, 2024 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

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): February 5, 2024 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

November 13, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF B

November 8, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 8, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

November 8, 2023 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: November 8, 2023 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE THIRD QUARTER 2023.  Columbus, Ohio – November 8, 2023 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the par

August 11, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSH

August 3, 2023 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: August 3, 2023 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2023.  Columbus, Ohio – August 3, 2023 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of

August 3, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): August 3, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

July 5, 2023 EX-99.1

Parent of CFBank

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: July 5, 2023 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES STOCK REPURCHASE PROGRAM  Columbus, Ohio – July 5, 2023 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, announced today that the

July 5, 2023 8-K

Financial Statements and Exhibits, Other Events

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): July 5, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

June 8, 2023 8-K

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): June 8, 2023 CF BANKSHARES INC. (

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): June 8, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

June 7, 2023 EX-99



Exhibit 99 CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 7, 2023 Columbus Cleveland Cincinnati Indianapolis CFBANK  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:

June 7, 2023 8-K

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): June 7, 2023 CF BANKSHARES INC. (

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): June 7, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKS

May 10, 2023 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: May 10, 2023 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 1st QUARTER 2023.  Columbus, Ohio – May 10, 2023 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFB

May 10, 2023 8-K

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 10, 2023 CF BANKSHARES INC. (

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 10, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

May 1, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A (RULE 14a-101)  INFORMATION REQUIRED IN PROXY STATEMENT  SCHEDULE 14A INFORMATION  PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934  Filed by the Registrant [X] Filed by a Party other than the Registrant [ ]  Check the appropriate box:  [ ]Preliminary Proxy Statement [ ]Conf

March 31, 2023 10-K

Foreclosed Assets Investment Activities Sources of Funds

Me UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSHARES INC. (E

March 31, 2023 EX-10.12

Deferred Cash Incentive Agreement, dated as of December 29, 2022, by and between CFBank and Timothy T. O’Dell (incorporated by reference to Exhibit 10.12 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022, filed with the Commission on March 31, 2023 (File No. 0-25045))

Exhibit 10.12 CFBANK, NATIONAL ASSOCIATION DEFERRED CASH INCENTIVE AGREEMENT THIS DEFERRED CASH INCENTIVE AGREEMENT (this “Agreement”) is made by and between CFBank, National Association, Worthington, Ohio, an Ohio banking association (the “Bank”), or any other successor, transferee, or assignees, and Timothy O’Dell (the “Participant”). INTRODUCTION WHEREAS, the Bank desires to promote its growth

March 31, 2023 EX-10.13

Deferred Cash Incentive Agreement, dated as of August 23, 2021, by and between CFBank and Bradley Ringwald (incorporated by reference to Exhibit 10.13 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022, filed with the Commission on March 31, 2023 (File No. 0-25045))

Exhibit 10.13 CFBANK, NATIONAL ASSOCIATION DEFERRED CASH INCENTIVE AGREEMENT THIS DEFERRED CASH INCENTIVE AGREEMENT (this “Agreement”) is made by and between CFBank, National Association, Worthington, Ohio, an Ohio banking association (the “Bank”), or any other successor, transferee, or assignees, and Brad Ringwald (the “Participant”). INTRODUCTION WHEREAS, the Bank desires to promote its growth a

March 31, 2023 EX-4.5

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.5  March 31, 2023  Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549  Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 2022.  Ladies and Gentlemen:  CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of CF Bankshares Inc. fo

March 31, 2023 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1  Subsidiaries of the Registrant   CFBank, National Association Central Federal Capital Trust I

March 31, 2023 EX-10.14

Deferred Cash Incentive Agreement, dated as of August 23, 2021, by and between CFBank and Kevin Beerman (incorporated by reference to Exhibit 10.14 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022, filed with the Commission on March 31, 2023 (File No. 0-25045))

Exhibit 10.14 CFBANK, NATIONAL ASSOCIATION DEFERRED CASH INCENTIVE AGREEMENT THIS DEFERRED CASH INCENTIVE AGREEMENT (this “Agreement”) is made by and between CFBank, National Association, Worthington, Ohio, an Ohio banking association (the “Bank”), or any other successor, transferee, or assignees, and Kevin Beerman (the “Participant”). INTRODUCTION WHEREAS, the Bank desires to promote its growth a

February 14, 2023 SC 13D/A

CFBK / Central Federal Corp. / Cochran Edward W - SC 13D/A Activist Investment

SC 13D/A 1 d425015dsc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 8)* Under the Securities Exchange Act of 1934 CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telephone Numb

February 14, 2023 SC 13G

CFBK / Central Federal Corp. / O'Dell Timothy T - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

February 14, 2023 SC 13G/A

CFBK / Central Federal Corp. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to d

February 7, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): February 7, 2023 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

February 7, 2023 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 7, 2023 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2022.  Columbus, Ohio – February 7, 2023 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Compan

January 27, 2023 EX-10.2

Employment Agreement, dated January 25, 2023, by and among Central Federal Corporation, CFBank and Kevin Beerman (incorporated by reference to Exhibit 10.2 to the registrant’s Current Report on Form 8-K dated January 25, 2023, filed with the Commission on January 27, 2023 (File No. 0-25045))

EXHIBIT 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is entered into effective the 25th day of January, 2023 (the “Effective Date”), by and among CF Bankshares Inc. (the “Corporation”), its wholly-owned subsidiary, CFBank, National Association (the “Bank”, collectively with the Corporation referred to as the “Employer”), and Kevin Beerman, an individual (the “Executive”).

January 27, 2023 EX-10.1

Employment Agreement, dated January 25, 2023, by and among Central Federal Corporation, CFBank and Bradley Ringwald (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K dated January 25, 2023, filed with the Commission on January 27, 2023 (File No. 0-25045))

EXHIBIT 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is entered into effective the 25th day of January, 2023 (the “Effective Date”), by and among CF Bankshares Inc. (the “Corporation”), its wholly-owned subsidiary, CFBank, National Association (the “Bank”, collectively with the Corporation referred to as the “Employer”), and Bradley Ringwald, an individual (the “Executive

January 27, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): January 25, 2023 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

January 5, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

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): December 29, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incor

November 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF B

November 7, 2022 EX-99.1

Our Best is yet Ahead!

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: November 7, 2022 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER OF 2022. ? Columbus, Ohio ? November 7, 2022 ? CF Bankshares Inc. (NASDAQ: CFBK) (the ?Company?), the pa

November 7, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 7, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

August 29, 2022 8-K

Other Events

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): August 25, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpo

August 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSH

August 3, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): August 3, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

August 3, 2022 EX-99.1

We are just Revving Up!

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: August 3, 2022 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS NET EARNINGS OF $4.7 MILLION OR $0.72 PER SHARE FOR THE 2nd QUARTER OF 2022.  Columbus, Ohio – August 2, 2022 – CF Bankshares Inc. (N

June 3, 2022 8-K

Submission of Matters to a Vote of Security Holders

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): June 3, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

June 1, 2022 EX-99



Exhibit 99 CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 1, 2022 Columbus Cleveland Cincinnati Indianapolis CFBANK ? 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:(

June 1, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): June 1, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporat

May 26, 2022 SC 13D/A

CFBK / Central Federal Corp. / Ancora Advisors, LLC Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* CF BANKSHARES INC. (Name of Issuer) Common Shares (Title of Class of Securities) 12520L109 (CUSIP Number) Fredrick DiSanto C/O Ancora Holdings Group, LLC 6060 Parkland Boulevard, Suite 200 Cleveland, Ohio 44124 (216) 825-4000 (Name, Address and Telephone

May 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKS

May 10, 2022 EX-10.1

Deferred Cash Inventive Agreement by and between CFBank National Association and Kevin Beerman

Exhibit 10.1 CFBANK, NATIONAL ASSOCIATION DEFERRED CASH INCENTIVE AGREEMENT THIS DEFERRED CASH INCENTIVE AGREEMENT (this ?Agreement?) is made by and between CFBank, National Association, Worthington, Ohio, an Ohio banking association (the ?Bank?), or any other successor, transferee, or assignees, and Kevin Beerman (the ?Participant?). INTRODUCTION WHEREAS, the Bank desires to promote its growth an

May 10, 2022 EX-10.2

Deferred Cash Inventive Agreement by and between CFBank National Association and Brad Ringwald

Exhibit 10.2 CFBANK, NATIONAL ASSOCIATION DEFERRED CASH INCENTIVE AGREEMENT THIS DEFERRED CASH INCENTIVE AGREEMENT (this ?Agreement?) is made by and between CFBank, National Association, Worthington, Ohio, an Ohio banking association (the ?Bank?), or any other successor, transferee, or assignees, and Brad Ringwald (the ?Participant?). INTRODUCTION WHEREAS, the Bank desires to promote its growth an

May 5, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 5, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorporati

May 5, 2022 EX-99.1

 We are just Revving Up!

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: May 5, 2022 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS NET EARNINGS OF $4.5 MILLION OR $0.69 PER SHARE FOR THE 1ST QUARTER OF 2022. ? Columbus, Ohio ? May 5, 2022 ? CF Bankshares Inc. (NASDAQ:

April 25, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? SCHEDULE 14A (RULE 14a-101) ? INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION ? PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] ? Check the appropriate box: ? [ ]Preliminary Proxy Statement [ ]Confid

April 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): April 25, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorpor

April 25, 2022 EX-99.1



Exhibit 99.1 ? Dear Fellow Shareholders, ? The challenges of 2021 were quite different than in other years. In challenging times, which often are the norm in the banking industry, continued execution of fundamentals, including making necessary business adjustments and course corrections, along with being opportunistic, remain important to success. At CFBank, these adjustments in 2021 included init

March 16, 2022 10-K

Foreclosed Assets Investment Activities Sources of Funds

Me UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSHARES INC. (E

March 16, 2022 EX-4.5

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.5 ? March 16, 2022 ? Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 ? Re: CF Bankshares Inc.?Annual Report on Form 10-K for the fiscal year ended December 31, 2021. ? Ladies and Gentlemen: ? CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of CF Bankshares Inc. fo

March 16, 2022 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1 ? Subsidiaries of the Registrant ? ? CFBank, National Association Central Federal Capital Trust I

February 15, 2022 SC 13D/A

CFBK / Central Federal Corp. / Cochran Edward W - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 7)* CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telephone Number of Person Authorized to Rec

February 14, 2022 SC 13G/A

CFBK / Central Federal Corp. / ALLIANCEBERNSTEIN L.P. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

February 11, 2022 SC 13G/A

CFBK / Central Federal Corp. / Elizabeth Park Capital Advisors, Ltd. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5)* CF Bankshares Inc. (f/k/a Central Federal Corporation) (Name of Issuer) Common Stock, $0.01 par value per share (Title of Class of Securities) 15346Q400 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the ap

February 11, 2022 EX-1

JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1)

Exhibit 1 CUSIP No. 15346Q400 JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1) The undersigned hereby consent and agree to the joint filing of Schedule 13G Amendment No. 5 under the Securities Exchange Act of 1934, as amended, with respect to the Common Stock, $0.01 par value per share, of CF Bankshares Inc. (f/k/a Central Federal Corporation), together with any or all amendments thereto, when

February 7, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): February 7, 2022 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

February 7, 2022 EX-99.1

 We are just Revving Up!

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: February 7, 2022 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC. ANNOUNCES NET INCOME OF $4.5 MILLION OR $0.68 PER SHARE FOR THE 4TH QUARTER AND FULL YEAR 2021 NET INCOME OF $18.5 MILLION OR $2.77 PER SHARE. ? Columbus, Ohio ?

November 15, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF B

November 15, 2021 EX-11.1

Statement Re: Computation of Per Share Earnings

CF BANKSHARES INC. Exhibit 11.1 Computation of Per Share Earnings ? The information regarding Computation of Per Share Earnings is contained in Note 1 ? Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

October 27, 2021 EX-99.1

Three Months ended

EX-99.1 2 cfbk-20211027xex991.htm EX-99.1 Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: October 27, 2021 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES NET INCOME OF $4.1 MILLION OR $0.61 PER SHARE FOR THE 3RD QUARTER.  Columbus, Ohio – October 27, 2021 – CF Ba

October 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): October 27, 2021 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer incorp

October 5, 2021 EX-99.1

Parent of CFBank

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: October 5, 2021 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 33% INCREASE IN QUARTERLY CASH DIVIDEND AND EXPANSION OF STOCK REPURCHASE PLAN ? Columbus, Ohio ? October 5, 2021 ? CF Bankshares

October 5, 2021 8-K

Financial Statements and Exhibits, Other Events

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): September 29, 2021 CF BANKSHARES INC. (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS Employer inco

August 16, 2021 EX-11.1

Statement Re: Computation of Per Share Earnings

CF BANKSHARES INC. Exhibit 11.1 Computation of Per Share Earnings ? The information regarding Computation of Per Share Earnings is contained in Note 1 ? Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

August 16, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25045 CF BANKSH

August 4, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

? ? 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): August 4, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction o

August 4, 2021 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: August 4, 2021 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC. ANNOUNCES 2nd QUARTER AND FIRST HALF 2021 EARNINGS. ? Columbus, Ohio ? August 4, 2021 ? CF Bankshares Inc. (NASDAQ: CFBK) (the ?Company?), the parent of CFBank, tod

August 3, 2021 8-K

Current Report

? ? 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): July 28, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

July 27, 2021 8-K

Current Report

? ? 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): July 21, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

July 22, 2021 EX-99.1

July 19, 2021

Exhibit 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE: July 19, 2021 For Further Information: Timothy T. O?Dell, President & CEO Phone: 614.318.4660 Email: [email protected] CFBANK COMPLETES SALE OF ITS COLUMBIANA COUNTY, OHIO BRANCHES. Columbus, Ohio ? July 19, 2021 ? CFBank, the wholly-owned banking subsidiary of CF Bankshares Inc. (NASDAQ: CFBK) today announced that it has completed the sale o

July 22, 2021 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

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): July 16, 2021 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 Num

July 22, 2021 EX-99.2

CF Bankshares Inc.

Exhibit 99.2 CF Bankshares Inc. Pro Forma Consolidated Balance Sheet At March 31, 2021 ($ in thousands) (unaudited) As Reported Pro Forma Adjustments Pro Forma ASSETS Cash and cash equivalents $ 125,814 $ (76,473 )(a) $ 49,341 Interest-bearing deposits in other financial institutions 100 ? 100 Securities available for sale 9,738 ? 9,738 Equity securities 5,000 ? 5,000 Loans held for sale, at fair

July 1, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

? ? 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): July 1, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

July 1, 2021 EX-99.1

July 1

Exhibit 99.1 ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: July 1, 2021 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? CFBANK ANNOUNCES WIND DOWN OF DIRECT TO CONSUMER (DTC) MORTGAGE LENDING. ? Columbus, Ohio ? July 1, 2021 ? CFBank, the wholly-owned banking subsidiary of CF Bankshares Inc. (NASDAQ: CFBK) (the ?Company?), today

June 8, 2021 SC 13G/A

CFBK / Central Federal Corp. / ALLIANCEBERNSTEIN L.P. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 12520L109 (CUSIP Number) May 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule

June 3, 2021 8-K

Submission of Matters to a Vote of Security Holders

? ? 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): June 2, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

June 2, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

? ? 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): June 2, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

June 2, 2021 EX-99

 CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 2, 2021 Columbus Cleveland Cincinnati Fairlawn Indianapolis

Exhibit 99 ? CF Bankshares Inc. Annual Stockholders Meeting Wednesday June 2, 2021 Columbus Cleveland Cincinnati Fairlawn 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 limite

May 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549 ? FORM 10-Q ? (Mark one) ? [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? For the quarterly period ended March 31, 2021 ? Or ? [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? For the transition period from to ? Commission File Number 0

May 12, 2021 EX-11.1

Statement Re: Computation of Per Share Earnings

CF BANKSHARES INC. Exhibit 11.1 Computation of Per Share Earnings ? The information regarding Computation of Per Share Earnings is contained in Note 1 ? Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

May 4, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

? ? 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 04, 2021 ? ? CF BANKSHARES INC. (Exact name of registrant as specified in its charter) ? ? ? Delaware 0-25045 34-1877137 (State or other jurisdiction of

May 4, 2021 EX-99.1

Three Months ended

Exhibit 99.1 Parent of CFBank, NA ? ? ? ? ? ? PRESS RELEASE FOR IMMEDIATE RELEASE: May 4, 2021 For Further Information: Timothy T. O'Dell, President & CEO ? Phone: 614.318.4660 ? Email: [email protected] ? ? CF BANKSHARES INC. ANNOUNCES 1st QUARTER 2021 EARNINGS MORE THAN TRIPLED YEAR-OVER-YEAR. ALSO ANNOUNCES EXPANSION INTO INDIANAPOLIS MARKET. ? Columbus, Ohio ? May 4, 2021 ? CF Bankshares

April 26, 2021 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? SCHEDULE 14A (RULE 14a-101) ? INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION ? PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] ? Check the appropriate box: ? [ ]Preliminary Proxy Statement [ ]Confid

March 23, 2021 EX-4.6

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.6 ? March 23, 2021 ? Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 ? Re: CF Bankshares Inc.?Annual Report on Form 10-K for the fiscal year ended December 31, 2020. ? Ladies and Gentlemen: ? CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of CF Bankshares Inc. fo

March 23, 2021 EX-11.1

Statement Re: Computation of Per Share Earnings

Exhibit 11.1 ? ? Computation of Per Share Earnings ? The information regarding Computation of Per Share Earnings is incorporated by reference from the Company?s 2020 Annual Report to Stockholders distributed to stockholders and furnished to the Commission under Rules 14a-3(b) and (c) of the Exchange Act; the computation appears under the caption ?Note 22 - Earnings (Loss) Per Common Share? therein

March 23, 2021 10-K

Annual Report - 10-K

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ? [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? For the Fiscal Year ended December 31, 2020 Or ? [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? For the transition period from to ? Commission File Number 0-25045 ? ? CF B

March 23, 2021 EX-4.5

Description of Capital Stock (incorporated by reference to Exhibit 4.5 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, filed with the Commission on March 23, 2021 (File No. 0-25045))

Exhibit 4.5 ? DESCRIPTION OF CAPITAL STOCK ? As of December 31, 2020, CF Bankshares Inc. (the ?Company,? ?we,? ?us? or ?our?) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?): our Voting Common Stock (as defined below). The following is a summary of the material terms, limitations, voting powers and relative rights of o

March 23, 2021 EX-13.1

Annual Report to Security Holders for the Fiscal Year Ended December 31, 2020

? ? ? Exhibit 13.1 ? ? Annual Report to Security Holders For the Fiscal Year ended December 31, 2020 ? ? ? ? ? TABLE OF CONTENTS ? ? Page ? ?MESSAGE TO STOCKHOLDERS ? ?MANAGEMENT?S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS ?Selected Financial and Other Data 1 ?Forward-Looking Statements 3 ?Business Overview 3 ?Financial Condition 4 ?Comparison of Results of Operation

March 23, 2021 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1 ? Subsidiaries of the Registrant ? ? CFBank, National Association Central Federal Capital Trust I

February 16, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No.6)* Under the Securities Exchange Act of 1934 CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) (CUSIP Number) Edward W.

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No.6)* Under the Securities Exchange Act of 1934 CF BANKSHARES INC. (Name of Issuer) COMMON STOCK (Title of Class of Securities) 12520L109 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telephone Number of Person Authorized to Rece

February 8, 2021 SC 13G/A

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 15346Q400 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

February 8, 2021 SC 13G

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* CF Bankshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 12520L109 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedu

February 2, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

  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): February 2, 2021   CF BANKSHARES INC. (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisdiction

February 2, 2021 EX-99.1

December 31, 2020

EX-99.1 2 cfbk-20210202xex991.htm EX-99.1 Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 2, 2021 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES RECORD ANNUAL EARNINGS FOR 2020. NET INCOME FOR THE FULL YEAR MORE THAN TRIPLED COMPARED TO PRIOR YEAR.  Colu

January 28, 2021 EX-99.1

Parent of CFBank

EX-99.1 2 cfbk-20210128xex991.htm EX-99.1 Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: January 28, 2021 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES STOCK REPURCHASE PROGRAM  Columbus, Ohio – January 28, 2021 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company

January 28, 2021 8-K

Financial Statements and Exhibits

  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): January 28, 2021   CF BANKSHARES INC. (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisdiction

December 29, 2020 EX-99.1

CFBANK AND CONSUMERS NATIONAL BANK ENTER INTO AGREEMENT FOR CONSUMERS TO PURCHASE CFBANK’S TWO COLUMBIANA COUNTY, OHIO BRANCHES

  FOR IMMEDIATE RELEASE: Consumers National Bank Contact: Ralph J. Lober II  President & CEO  330-868-9035  [email protected]   CFBank Contact: Timothy T. O'Dell  President & CEO  614-318-4660  [email protected]   CFBANK AND CONSUMERS NATIONAL BANK ENTER INTO AGREEMENT FOR CONSUMERS TO PURCHASE CFBANK’S TWO COLUMBIANA COUNTY, OHIO BRANCHES December 29, 2020 Worthingto

December 29, 2020 8-K

Financial Statements and Exhibits, Other Events - 8-K

   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): December 29, 2020   CF BANKSHARES INC. (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisdict

November 10, 2020 EX-11.1

Statement Re: Computation of Per Share Earnings

CF BANKSHARES INC. Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

November 10, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended September 30, 2020  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition period from to  Commission File Numb

October 26, 2020 EX-99.1

September 30, 2020

EX-99.1 2 cfbk-20201026xex991.htm EX-99.1 Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: October 26, 2020 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. POSTS RECORD EARNINGS FOR 3RD QUARTER AND YEAR TO DATE, ALSO ANNOUNCES QUARTERLY CASH DIVIDEND.  Columbus, Ohio – Octob

October 26, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

   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): October 26, 2020   CF BANKSHARES INC. (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisdicti

August 12, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended June 30, 2020  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition period from to  Commission File Number 0-

August 12, 2020 EX-11.1

Statement Re: Computation of Per Share Earnings

EX-11.1 3 cfbk-20200630xex111.htm EX-11.1 CF BANKSHARES INC. Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

August 12, 2020 EX-3.10

Certificate of Incorporation, as amended, of the registrant (incorporated by reference to Exhibit 3.10 to the registrant’s Form 10-Q for the quarter ended June 30, 2020, filed with the Commission on August 12, 2020 (File No. 0-25045)) [This document represents the Certificate of Incorporation of the registrant in compiled form incorporating all amendments. This compiled document has not been filed with the Delaware Secretary of State.]

Exhibit 3.10 CERTIFICATE OF INCORPORATION OF CF BANKSHARES INC.  (reflecting amendments through July 24, 2020) [For purposes of SEC reporting compliance only]  FIRST: The name of the Corporation is CF Bankshares Inc. (hereinafter sometimes referred to as the “Corporation”). SECOND: The address of the registered office of the Corporation in the State of Delaware is Corporation Trust Center, 1209

July 28, 2020 EX-99.2

Parent of

EX-99.2 4 cfbk-20200728xex992.htm EX-99.2 Exhibit 99.2  Parent of CFBank, NA     PRESS RELEASE FOR IMMEDIATE RELEASE: July 27, 2020 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CENTRAL FEDERAL CORPORATION OFFICIALLY CHANGES NAME TO CF BANKSHARES INC.  Columbus, Ohio – July 27, 2020 – Central Federal Corporation (NASDAQ

July 28, 2020 EX-99.1

June 30, 2020

Exhibit 99.1 Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: July 28, 2020 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CF BANKSHARES INC. ANNOUNCES RECORD NET INCOME FOR 2ND QUARTER, WITH FIRST HALF 2020 NET INCOME SURPASSING FULL YEAR 2019 NET INCOME RESULTS.  Columbus, Ohio – July 28, 2020 – CF Bank

July 28, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

   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): July 28, 2020   CENTRAL FEDERAL CORPORATION. (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jur

July 28, 2020 EX-3.1

Amendment to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Current Report on Form 8-K dated July 28, 2020, filed with the commission on July 20, 2020 (File No. 0-25045)

EX-3.1 2 cfbk-20200728xex31.htm EX-3.1 Exhibit 3.1  CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF CENTRAL FEDERAL CORPORATION   CENTRAL FEDERAL CORPORATION, a corporation organized and existing under and by virtue of the General Corporation Law of the State of Delaware (the “Corporation”), does hereby certify:  FIRST: That the Board of Directors of the Corporation, at a meeting d

July 6, 2020 SC 13D

CFBK / Central Federal Corp. / Ancora Advisors, LLC Activist Investment

Schedule 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* CENTRAL FEDERAL CORPORATION (Name of Issuer) Common Shares (Title of Class of Securities) 15346Q400 (CUSIP Number) Fredrick DiSanto C/O Ancora Advisors, LLC 6060 Parkland Boulevard, Suite 200 Cleveland, Ohio 44124 (216) 825-4000 (Name, Addres

June 25, 2020 EX-10.1

Resignation Agreement and General Release, dated June 19, 2020, among Central Federal Corporation, CFBank and John W. Helmsdoerfer

 Exhibit 10.1  RESIGNATION AGREEMENT AND GENERAL RELEASE THIS AGREEMENT is entered into as of this 19th day of June, 2020, by and between John W. Helmsdoerfer, for and on behalf of himself and his successors, heirs, family and assigns (“Helmsdoerfer”), Central Federal Corporation, a Delaware corporation (“Central Federal”), and CFBank, a federally chartered savings association (“CFBank”); WHEREA

June 25, 2020 EX-99.1

Parent of

Exhibit 99.1  Parent of CFBank, NA     PRESS RELEASE FOR IMMEDIATE RELEASE: June 25, 2020 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]  CENTRAL FEDERAL CORPORATION ANNOUNCES THE RESIGNATION OF CFO JOHN HELMSDOERFER  Columbus, Ohio – June 25, 2020 – Central Federal Corporation (NASDAQ: CFBK) (the “Company”), the parent of

June 25, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

   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): June 19, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juri

June 2, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

   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 28, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisdi

June 2, 2020 EX-3.1

Certificate of Amendment to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Current Report on Form 8-K dated May 29, 2020, filed with the Commission on June 2, 2020 (File No. 0-25045))

EX-3.1 2 cfbk-20200602xex31.htm EX-3.1 Exhibit 3.1  CERTIFICATE OF AMENDMENT  TO THE Certificate of Incorporation  OF  Central federal corporation  Pursuant to the provisions of the Certificate of Incorporation and the Bylaws of the Corporation and applicable law, the Certificate of Incorporation of the Corporation is hereby amended to create a series of non-voting common stock, par value $0.

June 1, 2020 SC 13D/A

CFBK / Central Federal Corp. / Castle Creek Capital Partners Vii, Lp - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* CENTRAL FEDERAL CORPORATION (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 15346Q400 (CUSIP Number) Castle Creek Capital Partners VII, LP 6051 El Tordo PO Box 1329 Rancho Santa Fe, CA 92067 858-756-8300 Copy to: J

May 28, 2020 8-K

Submission of Matters to a Vote of Security Holders

   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, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juris

May 27, 2020 EX-99



Exhibit 99 Central Federal Corporation Annual Stockholders Meeting Wednesday May 27, 2020 Columbus Cleveland Cincinnati Fairlawn Columbiana County  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.

May 27, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

   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, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juris

May 15, 2020 DEFA14A

- DEFA14A

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, fo

May 15, 2020 EX-99.1

Parent of

 Exhibit 99.1 Parent of CFBank, NA     PRESS RELEASE FOR IMMEDIATE RELEASE: May 15, 2020 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]  CENTRAL FEDERAL CORPORATION CHANGES 2020 ANNUAL MEETING OF STOCKHOLDERS TO VIRTUAL MEETING FORMAT  Columbus, Ohio – May 15, 2020 – Central Federal Corporation (NASDAQ: CFBK) (the “Company”

May 15, 2020 8-K

Financial Statements and Exhibits, Other Events

   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 15, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juris

May 13, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended March 31, 2020  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition period from to  Commission File Number 0

May 13, 2020 EX-11.1

Statement Re: Computation of Per Share Earnings

CENTRAL FEDERAL CORPORATION Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

May 6, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

   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 6, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jurisd

May 6, 2020 EX-99

Three months ended

Exhibit 99  Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: May 6, 2020 For Further Information: Timothy T.

April 22, 2020 DEF 14A

CFBK / Central Federal Corp. DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, fo

April 3, 2020 PRE 14A

CFBK / Central Federal Corp. PRE 14A - - PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [X] Preliminary Proxy Statement [ ] Confidential, fo

March 31, 2020 SC 13D/A

CFBK / Central Federal Corp. / Castle Creek Capital Partners Vii, Lp - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* CENTRAL FEDERAL CORPORATION (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 15346Q400 (CUSIP Number) Castle Creek Capital Partners VII, LP 6051 El Tordo PO Box 1329 Rancho Santa Fe, CA 92067 858-756-8300 Copy to: J

March 31, 2020 EX-99.7

JOINT FILING AGREEMENT

Exhibit 99.7 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated March 31, 2020, with respect to the common stock, par value $0.01 per share, of Central Federal Corporation, a Delaware corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accordance with the provisions of Rule 13d-1(k) u

March 31, 2020 EX-99.6

EXCHANGE AGREEMENT by and between CENTRAL FEDERAL CORPORATION CASTLE CREEK CAPITAL PARTNERS VII, LP Dated as of March 30, 2020

Exhibit 99.6 EXCHANGE AGREEMENT by and between CENTRAL FEDERAL CORPORATION and CASTLE CREEK CAPITAL PARTNERS VII, LP Dated as of March 30, 2020 This EXCHANGE AGREEMENT is made and entered into as of March 30, 2020 (this “Agreement”) by and between Central Federal Corporation, a Delaware corporation (the “Company”), and Castle Creek Capital Partners VII, LP, a Delaware limited partnership (the “Inv

March 30, 2020 EX-3.1

Certificate of Amendment to Certificate of Designations of Series C Convertible Perpetual Preferred Stock filed with the Delaware Secretary of State on March 26, 2020

EX-3.1 2 cfbk-20200330xex31.htm EX-3.1 Exhibit 3.1 CERTIFICATE OF AMENDMENT TO CERTIFICATE OF DESIGNATIONS OF SERIES C CONVERTIBLE PERPETUAL PREFERRED STOCK OF central federal corporation Pursuant to Section 151(g) of the General Corporation Law of the State of Delaware The undersigned, Timothy T. O’Dell, as President and Chief Executive Officer of Central Federal Corporation, a Delaware corporati

March 30, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

   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): March 26, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jur

March 16, 2020 EX-4.6

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.6  March 16, 2020  Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549  Re: Central Federal Corporation —Annual Report on Form 10-K for the fiscal year ended December 31, 2019.  Ladies and Gentlemen:  Central Federal Corporation, a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of Ce

March 16, 2020 EX-11.1

Statement Re: Computation of Per Share Earnings

Exhibit 11.1   Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is incorporated by reference from the Company’s 2019 Annual Report to Stockholders distributed to stockholders and furnished to the Commission under Rules 14a-3(b) and (c) of the Exchange Act; the computation appears under the caption “Note 22 - Earnings (Loss) Per Common Share” therein

March 16, 2020 EX-13.1

Annual Report to Security Holders for the Fiscal Year Ended December 31, 2019

   Exhibit 13.1   Annual Report to Security Holders For the Fiscal Year ended December 31, 2019      TABLE OF CONTENTS   Page  MESSAGE TO STOCKHOLDERS  MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Selected Financial and Other Data 1 Forward-Looking Statements 3 Business Overview 3 Financial Condition 4 Comparison of Results of Operation

March 16, 2020 10-K

CFBK / Central Federal Corp. 10-K - Annual Report - 10-K

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K   [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the Fiscal Year ended December 31, 2019 Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934   For the transition period from to  Commission File Number 0-25045   CENT

March 16, 2020 EX-10.8

Form of Employee Restricted Stock Award Agreement under the Central Federal Corporation 2019 Equity Compensation Plan

Exhibit 10.8 CENTRAL FEDERAL CORPORATION 2019 EQUITY INCENTIVE PLAN  EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT  Central Federal Corporation (the “Company”) hereby grants the undersigned Participant an award of Restricted Stock (the “Award”), subject to the terms and conditions described in the Central Federal Corporation 2019 Equity Incentive Plan, as amended (the “Plan”), and this Restricted St

March 16, 2020 EX-10.9

Form of Director Restricted Stock Award Agreement under the Central Federal Corporation 2019 Equity Compensation Plan

Exhibit 10.9 CENTRAL FEDERAL CORPORATION 2019 EQUITY INCENTIVE PLAN  DIRECTOR RESTRICTED STOCK AWARD AGREEMENT  Central Federal Corporation (the “Company”) hereby grants the undersigned Participant an award of Restricted Stock (the “Award”), subject to the terms and conditions described in the Central Federal Corporation 2019 Equity Incentive Plan, as amended (the “Plan”), and this Restricted St

March 16, 2020 EX-21.1

Subsidiaries of the Registrant

EX-21.1 7 cfbk-20191231xex211.htm EX-21.1 Exhibit 21.1  Subsidiaries of the Registrant   CFBank, National Association Central Federal Capital Trust I

March 13, 2020 8-K

Current Report

   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): March 13, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jur

February 18, 2020 SC 13G/A

CFBK / Central Federal Corp. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Central Federal Corp (Name of Issuer) Common Stock (Title of Class of Securities) 15346Q400 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this S

February 14, 2020 SC 13D/A

CFBK / Central Federal Corp. / Cochran Edward W - SC 13D/A Activist Investment

SC 13D/A 1 d887643dsc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 5)* Under the Securities Exchange Act of 1934 CENTRAL FEDERAL CORPORATION (Name of Issuer) COMMON STOCK (Title of Class of Securities) 15346Q400 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telep

February 4, 2020 EX-99

Three months ended

Exhibit 99  Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: February 4, 2020 For Further Information: Timothy T.

February 4, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

   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): February 4, 2020   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other j

December 23, 2019 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 2 a19-273341ex99d1.htm EX-99.1 Exhibit 99.1 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated December 23, 2019, with respect to the common stock, par value $0.01 per share, of Central Federal Corporation, a Delaware corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accorda

December 23, 2019 EX-99.5

VCOC LETTER AGREEMENT CENTRAL FEDERAL CORPORATION 7000 N. HIGH STREET WORTHINGTON, OH 43085 October 31, 2019

Exhibit 99.5 VCOC LETTER AGREEMENT CENTRAL FEDERAL CORPORATION 7000 N. HIGH STREET WORTHINGTON, OH 43085 October 31, 2019 Castle Creek Capital Partners VII, L.P. 6051 El Tordo Rancho Santa Fe, CA 92067 Dear Sir/Madam: Reference is made to the Securities Purchase Agreement by and among Central Federal Corporation, a Delaware corporation (the “Corporation”) and the investors party thereto, including

December 23, 2019 SC 13D

CFBK / Central Federal Corp. / Castle Creek Capital Partners Vii, Lp - SC 13D Activist Investment

SC 13D 1 a19-273341sc13d.htm SC 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* CENTRAL FEDERAL CORPORATION (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 15346Q400 (CUSIP Number) Castle Creek Capital Partners VII, LP 6051 El Tordo PO Box 1329 Rancho Santa F

November 22, 2019 8-K

Current Report

   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): November 20, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other

November 22, 2019 S-8

CFBK / Central Federal Corp. S-8 - - FORM S-8

Form S-8 As filed with the Securities and Exchange Commission on November 22, 2019 Registration No.

November 22, 2019 EX-4.11

Central Federal Corporation 2019 Equity Incentive Plan.

EX-4.11 Exhibit 4.11 CENTRAL FEDERAL CORPORATION 2019 EQUITY INCENTIVE PLAN Section 1. Purpose. The purpose of the Plan is to advance the interests of the Holding Company and its shareholders by affording to Outside Directors and Employees an opportunity to acquire or increase their proprietary interest in the Holding Company by the grant to such persons of Awards under the terms set forth herein.

November 12, 2019 EX-11.1

Statement Re: Computation of Per Share Earnings

CENTRAL FEDERAL CORPORATION Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

November 12, 2019 10-Q

Form 10-Q

10-Q 1 cfbk-20190930x10q.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended September 30, 2019  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition per

October 31, 2019 EX-10.1

Securities Purchase Agreement, dated October 25, 2019, by and among the Company, Castle Creek Capital Partners VII, L.P. and certain other purchasers (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K dated October 25, 2019, filed with the Commission on October 31, 2019 (File No. 0-25045)

EX-10.1 EXHIBIT 10.1 SECURITIES PURCHASE AGREEMENT dated October 25, 2019 by and among CENTRAL FEDERAL CORPORATION and THE PURCHASERS IDENTIFIED ON THE SIGNATURE PAGES HERETO SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of October 25, 2019, by and among Central Federal Corporation, a Delaware corporation (the “Company”), and each purchaser identif

October 31, 2019 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

8-K 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): October 25, 2019 CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction (Commission (IRS Emplo

October 31, 2019 EX-3.1

Certificate of Designations to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Current Report on Form 8-K dated October 25, 2019, filed with the Commission on October 31, 2019 (File No. 0-25045))

EX-3.1 EXHIBIT 3.1 CERTIFICATE OF DESIGNATIONS OF SERIES C CONVERTIBLE PERPETUAL PREFERRED STOCK OF CENTRAL FEDERAL CORPORATION Pursuant to the provisions of the certificate of incorporation and the bylaws of the Corporation and applicable law, a series of preferred stock, $0.01 par value per share, of the Corporation be and hereby is created, and that the designation and number of shares of such

October 31, 2019 EX-10.2

Registration Rights Agreement, dated October 31, 2019, by and among the Company, Castle Creek Capital Partners VII, L.P. and certain other purchasers (incorporated by reference to Exhibit 10.2 to the registrant’s Current Report on Form 8-K dated October 25, 2019, filed with the Commission on October 31, 2019 (File No. 0-25045)

EX-10.2 EXHIBIT 10.2 CENTRAL FEDERAL CORPORATION REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of October 31, 2019, by and among Central Federal Corporation, a Delaware corporation (the “Company”), and the purchaser(s) signatory hereto (each a “Registration Rights Purchaser” and collectively, the “Registration Rights Purchasers”). T

October 28, 2019 EX-99.1

Three months ended

Exhibit 99.1  Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: October 28, 2019 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]   CENTRAL FEDERAL CORPORATION, PARENT OF CFBANK, ANNOUNCES RECORD PRE-TAX EARNINGS FOR 3RD QUARTER 2019  Worthington/Columbus, Ohio – October 28, 2019 – Central Federal Corporation

October 28, 2019 EX-99.2

Parent of

Exhibit 99.2  Parent of CFBank, NA       PRESS RELEASE FOR IMMEDIATE RELEASE: October 28, 2019 For Further Information: Timothy T. O'Dell, President & CEO  Phone: 614.318.4660  Email: [email protected]  CENTRAL FEDERAL CORPORATION, PARENT OF CFBANK, ANNOUNCES $25 MILLION CAPITAL RAISE  Worthington/Columbus, Ohio – October 28, 2019 – Central Federal Corporation (NASDAQ: CFBK) (the

October 28, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

8-K 1 cfbk-20191028x8k.htm 8-K    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): October 28, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-250

August 12, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

   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): August 12, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other ju

August 12, 2019 EX-99

Three months ended

Exhibit 99        PRESS RELEASE FOR IMMEDIATE RELEASE: August 12, 2019 For Further Information: Timothy T.

August 12, 2019 10-Q

Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended June 30, 2019  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition period from to  Commission File Number 0-

August 12, 2019 EX-11.1

Statement Re: Computation of Per Share Earnings

CENTRAL FEDERAL CORPORATION Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

May 30, 2019 8-K

Submission of Matters to a Vote of Security Holders

   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 29, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juris

May 29, 2019 EX-99

Central Federal Corporation Annual Stockholders Meeting Wednesday May 29, 2019 Columbus Cleveland Cincinnati Fairlawn Columbiana County

Exhibit 99 Central Federal Corporation Annual Stockholders Meeting Wednesday May 29, 2019 Columbus Cleveland Cincinnati Fairlawn Columbiana County   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.

May 29, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

   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 29, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other juris

May 10, 2019 EX-11.1

Statement Re: Computation of Per Share Earnings

CENTRAL FEDERAL CORPORATION Exhibit 11.1 Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is contained in Note 1 – Summary of Significant Accounting Policies in the Notes to Consolidated Financial Statements contained in this Quarterly Report on Form 10-Q.

May 10, 2019 10-Q

Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISION Washington, D.C. 20549  FORM 10-Q  (Mark one)  [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the quarterly period ended March 31, 2019  Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the transition period from to  Commission File Number 0

April 26, 2019 DEF 14A

Central Federal Corporation 2019 Equity Compensation Plan (incorporated by reference to Annex A to the registrant’s Definitive Proxy Statement filed with the Commission on April 26, 2019)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A (RULE 14a-101)  INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION  PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934  Filed by the Registrant [X] Filed by a Party other than the Registrant [ ]  Check the appropriate box:  [ ] Preliminary Proxy Statement [ ] Conf

April 26, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

   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): April 26, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jur

April 26, 2019 EX-10.2

Employment Agreement, dated April 22, 2019, by and among Central Federal Corporation, CFBank and John W. Helmsdoerfer (incorporated by reference to Exhibit 10.2 to the registrant’s Current Report on Form 8-K filed with the Commission on April 26 2019 (File No. 0-25045))

Exhibit 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is entered into effective the 22nd day of April, 2019 (the “Effective Date”), by and among Central Federal Corporation (the “Corporation”), its wholly-owned subsidiary, CF Bank (the “Bank”, collectively with the Corporation referred to as the “Employer”), and John W. Helmsdoerfer, an individual (the “Executive”). W I T

April 26, 2019 EX-10.1

Employment Agreement, dated April 22, 2019, by and among Central Federal Corporation, CFBank and Timothy T. O’Dell (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K dated April 26, 2019, filed with the Commission on April 26, 2019 (File No. 0-25045))

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is entered into effective the 22nd day of April, 2019 (the “Effective Date”), by and among Central Federal Corporation (the “Corporation”), its wholly-owned subsidiary, CF Bank (the “Bank”, collectively with the Corporation referred to as the “Employer”), and Timothy T. O'Dell, an individual (the “Executive”). W I T N E

April 24, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

   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): April 24, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other jur

April 24, 2019 EX-99

Three months ended

Exhibit 99        PRESS RELEASE FOR IMMEDIATE RELEASE: April 24, 2019 For Further Information: Timothy T.

March 15, 2019 EX-11.1

Statement Re: Computation of Per Share Earnings

  Exhibit 11.1   Computation of Per Share Earnings  The information regarding Computation of Per Share Earnings is incorporated by reference from the Company’s 2018 Annual Report to Stockholders distributed to stockholders and furnished to the Commission under Rules 14a-3(b) and (c) of the Exchange Act; the computation appears under the caption “Note 22 - Earnings (Loss) Per Common Share” the

March 15, 2019 EX-13.1

Annual Report to Security Holders for the Fiscal Year Ended December 31, 2018

   Exhibit 13.1   Annual Report to Security Holders For the Fiscal Year ended December 31, 2018      TABLE OF CONTENTS   Page  MESSAGE TO STOCKHOLDERS  MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Selected Financial and Other Data 1 Forward-Looking Statements 3 Business Overview 3 Financial Condition 4 Comparison of Results of Operation

March 15, 2019 EX-21.1

Subsidiaries of the Registrant

 Exhibit 21.1  Subsidiaries of the Registrant    CFBank, National Association Central Federal Capital Trust I

March 15, 2019 EX-4.6

Agreement to furnish instruments defining rights of holders of long-term debt

Exhibit 4.6  March 15, 2019  Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549  Re: Central Federal Corporation —Annual Report on Form 10-K for the fiscal year ended December 31, 2018.  Ladies and Gentlemen:  Central Federal Corporation, a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K of Ce

March 15, 2019 10-K

Form 10-K

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K   [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  For the Fiscal Year ended December 31, 2018 Or  [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934   For the transition period from to  Commission File Number 0-25045   CENT

February 19, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

   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): February 19, 2019   CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter)    Delaware 0-25045 34-1877137 (State or other

February 19, 2019 EX-99

Three months ended

Exhibit 99        PRESS RELEASE FOR IMMEDIATE RELEASE: February 19, 2019 For Further Information: Timothy T.

February 15, 2019 SC 13D/A

CFBK / Central Federal Corp. / Cochran Edward W - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 4)* Under the Securities Exchange Act of 1934 CENTRAL FEDERAL CORPORATION (Name of Issuer) COMMON STOCK (Title of Class of Securities) 15346Q400 (CUSIP Number) Edward W. Cochran 20030 Marchmont Rd Shaker Heights, OH 44122 (216) 751-5546 (Name, Address and Telephone Number of Person Authoriz

February 14, 2019 EX-1

JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1)

Exhibit 1 JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1) The undersigned hereby consent and agree to the joint filing of Schedule 13G Amendment No.

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