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AI brief of an SEC Form 8-K · CF BANKSHARES INC. (CFBK)

CF Bankshares Q2 net income rises to $5.9 million, or $0.90 per diluted share

Positive Impact 3 of 5 earnings Written later

CF Bankshares Inc., the parent of CFBank, reported second-quarter 2026 net income of $5.9 million, or $0.90 per diluted share, up from $5.0 million, or $0.77 per diluted share, in the first quarter of 2026 and in the second quarter of 2025. Net interest margin rose to 2.93% from 2.69% in the prior quarter, and the efficiency ratio improved to 50.4% from 56.1%. Shareholders benefit from higher earnings, while nonaccrual loans also rose to $20.8 million.

Key points

  • Net income of $5.9 million, or $0.90 per diluted share, versus $5.0 million, or $0.77 per diluted share, in Q1 2026 and Q2 2025
  • Net interest margin of 2.93%, up 24 basis points from 2.69% in Q1 2026; the quarter included $370,000 of prepayment penalty fee income
  • Provision for credit losses of $944,000, compared with $604,000 in Q1 2026; nonaccrual loans rose to $20.8 million, or 1.15% of total loans
  • Board declared a cash dividend of $0.09 per common share on July 1, 2026, paid July 21, 2026

The filing

CompanyCF BANKSHARES INC. (CFBK)
Form8-K, current report
Filed with the SECJul 28, 2026, 9:03 AM ET
Accession number0001193125-26-318995

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:29 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 28, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.