Company Executives

Management Team

From the proxy statement filed Apr 23, 2026

Officer	Age	In this role	Joined	2025 pay
Timothy T. O’Dell Also a director CEO Title from the Form 4 dated Jun 11, 2026	72	Not stated	Not stated	$1,392,313
Kevin J. Beerman Executive Vice President and Chief Financial Officer of the Company and CFBank	53	Since 2021 5 years	Not stated	$596,530
Bradley J. Ringwald Also a director President of CFBank	52	Since 2022 4 years	Not stated	$859,990
Marianne N. McKinney Executive Vice President and Chief Operating Officer of CFBank	51	Since 2022 4 years	2013	Not reported
C. Timothy Meder Executive Vice President and Chief Commercial Credit Officer of CFBank	61	Since 2022 4 years	2017	Not reported

Each officer opens the passage of the filing that names them. A title that changed since the list comes from the officer's latest Form 3, 4 or 5, and its start year is not stated there. "Not stated" means the filing does not say. Pay is the proxy's Summary Compensation Table, which reports only the named executive officers.

Board of Directors

From the proxy statement filed Apr 23, 2026

Directors

serving now

Independent

5 of 7

stated in the proxy

Average tenure

15.0 years

from year joined

CEO also chairs the board

Robert E. Hoeweler

Director	Age	On board	Independent	Committees	Other public boards	2025 pay
Robert E. Hoeweler Board chair	78	2012 14 years	Independent	None stated	None stated	$201,000
Timothy T. O’Dell CEO	72	2012 14 years	Not independent	None stated	None stated	Paid as CEO
Bradley J. Ringwald Executive officer	52	2026 0 years	Not independent	None stated	None stated	Not stated
Thomas P. Ash	76	1985 41 years	Independent	None stated	None stated	$144,693
Edward W. Cochran	77	2012 14 years	Independent	None stated	None stated	$121,020
James H. Frauenberg	50	2012 14 years	Independent	None stated	None stated	$112,620
David L. Royer	58	2018 8 years	Independent	None stated	None stated	$147,360

Each director opens the passage of the proxy that names them. "Not stated" means the proxy does not say; it never means "no". Pay is the proxy's Director Compensation table; the CEO is paid as an executive.

1 disclosed in the proxy filed Apr 23, 2026

executive officers and directors of the Company and their immediate family members or related interests

executive officers, directors or their immediate family members or related interests

$27,639,171 at December 31, 2025 and $23,315,720 at December 31, 2024

December 31, 2025 and December 31, 2024

Aggregate loans outstanding to executive officers, directors and related persons, performing in accordance with their terms.

With CFBank Open in proxy

Comments

Company Executives

Management Team

Board of Directors

Related-party transactions