CF Bankshares Inc (NASDAQ: CFBK) is a community banking company that operates CFBank, a federally chartered savings bank providing loans, deposits, and related financial services. It makes money on the spread between interest earned on loans and interest paid on deposits, a model reflected in a net interest margin of 2.77% (fully taxable equivalent, FY2025) and an average yield on interest-earning assets of 6.04% against an average rate paid on interest-bearing liabilities of 4.08% (FY2025). CF Bankshares competes against other savings associations, community banks, regional banks, money center banks, credit unions, mortgage banks, and fintechs operating in its primary markets. The bank reported a return on average assets of 0.84% and a return on average equity of 9.90% for FY2025, with an efficiency ratio of 51.15% (FY2025). The company pays a common stock dividend, with a payout ratio of 11.15% as of FY2025.

Revenue model

Interest income earned on loans and leases, held-for-sale loans, and investment securities, net of interest paid on deposits and borrowed funds. Secondary revenue from noninterest income sources including banking fees.

Products and services

Loans and leases (including loans held for sale), deposit accounts (interest-bearing and noninterest-bearing), investment securities, FHLB and FRB stock, bank-owned life insurance, and subordinated debentures as a funding instrument.

Customers and end markets

Retail and commercial customers in Franklin, Cuyahoga, Hamilton, and Summit Counties in Ohio, and Marion County in Indiana. Loan originations made generally throughout Ohio and Indiana.

Value-chain role

Deposit-funded community bank that originates and holds loans, intermediating between retail and commercial depositors and borrowers in its regional markets.

Geographic exposure

Primary operations in Franklin, Cuyahoga, Hamilton, and Summit Counties, Ohio, and Marion County, Indiana. Loan activity generally throughout Ohio and Indiana (per 10-K filed 2026-03-12).

Competitors

Other savings associations, Community banks, Regional banks, Money center banks, Credit unions, Mortgage banks, Finance companies, Brokerage firms, Insurance companies, Fintechs

Source: SEC 10-K, filed 2026-03-12

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