Cf Bankshares(NASDAQ) CFBK

CF Bankshares Inc. helps small business owners and entrepreneurs manage their money. It provides various loans to help local companies grow and purchase equipment. The bank also offers personal accounts like savings and checking for everyday financial needs.

What Does the Bank Do?

• Commercial Lending: Loans and equipment leases for small and mid-sized businesses; includes lines of credit for business assets and inventory.
• Real Estate Financing: Mortgages for residential and commercial properties along with construction and land development loans.
• Business Services: Treasury management and deposit solutions designed for corporate clients and professional entrepreneurs.
• Personal Banking: Retail accounts such as savings, checking, and certificates of deposit for individual customers.
• Mortgage Services: Home equity lines and home improvement loans tailored for residential borrowers.

Evolution and Regional Growth

• Converted from a federal savings association to a national bank in December 2016.
• Changed its corporate name from Central Federal Corporation to its current form in July 2020.
• Updated its credit facility in April 2025 to include an additional $10 million revolving line for capital needs.
• Expanded commercial banking regional teams throughout its geographic footprint during the first half of 2026.
• Closed the Ohio City branch location during the second quarter of 2026.

How CF Bankshares Stands Out

The company focuses on serving closely held businesses by providing direct customer access to bank decision-makers. It operates specialized offices across major Ohio counties and in Indianapolis, Indiana, to maintain a strong regional presence.

Key Financial Figures

• Total assets reached $2.17 billion at June 30, 2026, up 2.5% from Dec. 31, 2025.
• Net income was $5.9 million for the three-month period ended June 30, 2026.
• Net loans and leases totaled $1.80 billion at June 30, 2026, up 3.4% from Dec. 31, 2025.
• Total deposits rose to $1.83 billion at June 30, 2026, an increase of 2.7% from Dec. 31, 2025.
• Market capitalization was $207.1 million in Q2 2026, up 37.1% year over year.

Bottom Line

CF Bankshares has successfully transitioned from a traditional savings association into a commercial-focused national bank. Its strategy of targeting entrepreneurs and expanding regional banking teams continues to drive its growth in the Midwest market.