Results of Operations and Financial Condition. On July 28, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2026 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On May 5, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the first quarter ended March 31, 2026 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Director — Bradley Ringwald: Bradley Ringwald was appointed as a director to fill the vacancies created by Sundeep Rana's resignation.

Results of Operations and Financial Condition. On February 5, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Other Events. On December 17, 2025, the Board of Directors of CF Bankshares Inc. (the “Company”), approved the extension of its stock repurchase program to August 15, 2026. The Company’s stock repurchase program was initially approved by the Company’s Board of Directors on January 29, 2025, and authorizes the Company to repurchase up to 325,000 shares, or approximately 5% of the Company’s outstanding common stock, on or before January 31, 2026, which has now been extended to August 15, 2026.…

Director — Sundeep Rana: Mr. Rana resigned from the Board due to Castle Creek no longer owning at least 4.9% of the Company's outstanding common stock.

Results of Operations and Financial Condition. On November 3, 2025, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 30, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On August 4, 2025, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On May 6, 2025, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the first quarter ended March 31, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Change in Registrant's Certifying Accountant. Effective as of March 26, 2025, the Audit Committee of the Board of Directors (the “Audit Committee”) of CF Bankshares Inc. (the "Company") approved the engagement of Plante & Moran, PLLC (“Plante Moran”) to serve as the Company's independent registered public accounting firm for the year ending December 31, 2025, subject to the completion of Plante Moran's standard client acceptance procedures. Forvis Mazars, LLP (“Forvis Mazars”) previously serv…

Results of Operations and Financial Condition. On February 12, 2025, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2024 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Other Events. On January 29, 2025, the Board of Directors of CF Bankshares Inc. (the “Company) authorized a new stock repurchase program pursuant to which the Company may repurchase up to 325,000 shares, or approximately 5% of the Company’s outstanding common stock on or before January 31, 2026. Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transaction…

Results of Operations and Financial Condition. On October 30, 2024, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 30, 2024 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On August 6, 2024, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2024 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Amendments to employment agreements for compensation calculations.

Results of Operations and Financial Condition. On May 7, 2024, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the first quarter ended March 31, 2024 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On February 7, 2024, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2023 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Unregistered Sales of Equity Securities. On February 6, 2024, CF Bancshares Inc. (the “Company”) issued an aggregate of 2,000 shares of its newly-designated series of non-voting convertible perpetual preferred stock, series D, par value $0.01 per share (the “Series D Preferred Stock”) to an existing stockholder of the Company in exchange for 200,000 shares of (Voting) Common Stock. Information regarding the terms of the Series D Preferred Stock is set forth under

Results of Operations and Financial Condition. On November 8, 2023, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 30, 2023 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On August 3, 2023, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2023 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Other Events. On July 5, 2023, the Board of Directors of CF Bankshares Inc. (the “Company) authorized a new stock repurchase program pursuant to which the Company may repurchase up to 250,000 shares of the Company’s outstanding common stock on or before June 30, 2024. Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions. Open market repurchases w…

Results of Operations and Financial Condition. On May 10, 2023, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the first quarter March 31, 2023 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Results of Operations and Financial Condition. On February 7, 2023, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2022 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

The company entered into new employment agreements with existing executives.

Timothy T. O’Dell: The filing describes a deferred cash incentive agreement for the CEO, which is a compensation arrangement and not a management change.