Financialsexperimental

CF BANKSHARES INC. (CFBK). Every figure is as filed in the company's 10-Q and 10-K reports. Quarters a filing does not report on their own are worked out from its year-to-date figures and marked *.

Income Statement Balance Sheet Cash FlowQuarterly Annual

USD in thousands · per-share amounts in USD

Income Statement	Q2 FY26 30 Jun 2026	Q1 FY26 31 Mar 2026	Q4 FY25 31 Dec 2025	Q3 FY25 30 Sept 2025	Q2 FY25 30 Jun 2025	Q1 FY25 31 Mar 2025	Q4 FY24 31 Dec 2024	Q3 FY24 30 Sept 2024	Q2 FY24 30 Jun 2024	Q1 FY24 31 Mar 2024	Q4 FY23 31 Dec 2023	Q3 FY23 30 Sept 2023	Q2 FY23 30 Jun 2023	Q1 FY23 31 Mar 2023	Q4 FY22 31 Dec 2022	Q3 FY22 30 Sept 2022	Q2 FY22 30 Jun 2022	Q1 FY22 31 Mar 2022	Q4 FY21 31 Dec 2021	Q3 FY21 30 Sept 2021
Loans and leases, including fees	27,510	25,809	27,153*	27,407	27,907	26,815	27,212*	27,189	26,339	26,010	26,240*	25,121	23,684	22,338	19,971*	16,876	14,042	12,828	12,804*	12,397
Securities	175	187	125*	55	40	139	143*	144	133	129	129*	101	213	215	217*	219	221	224	227*	230
FHLB and FRB stock dividends	141	142	148*	154	153	174	179*	167	164	165	167*	166	138	121	110*	98	78	62	67*	55
Federal funds sold and other	2,196	1,992	2,641*	2,753	2,259	2,072	2,458*	2,496	2,679	2,782	3,176*	2,778	2,190	1,502	1,603*	813	364	38	29*	21
Total interest and dividend income	30,022	28,130	30,067*	30,369	30,359	29,200	29,992*	29,996	29,315	29,086	29,712*	28,166	26,225	24,176	21,901*	18,006	14,705	13,152	13,127*	12,703
Deposits	13,812	13,484	14,379*	15,205	15,186	15,253	16,342*	17,382	16,784	16,650	16,863*	15,421	13,660	10,419	7,775*	3,992	2,501	1,684	1,632*	1,777
FHLB advances and other debt	1,063	1,026	1,047*	1,045	846	714	774*	785	800	785	793*	783	789	742	700*	446	424	470	302*	289
Subordinated debentures	303	300	318*	329	326	324	343*	369	364	367	302*	295	290	282	271*	252	235	224	224*	224
Total interest expense										17,802	17,958*	16,499	14,739	11,443	8,746*	4,690	3,160	2,378	2,158*	2,290
Total interest expense	15,178	14,810	15,744*	16,579	16,358	16,291	17,459*	18,536	17,948
Net interest income	14,844	13,320	14,323*	13,790	14,001	12,909	12,533*	11,460	11,367	11,284	11,754*	11,667	11,486	12,733	13,155*	13,316	11,545	10,774	10,969*	10,413
Provision for loan and lease losses															637*	150			0*
Provision for credit losses-loans	689	979	968*	4,818	1,370	352	789*	786	3,195	1,317	456*	1,198	-63	267
Provision for credit losses-unfunded commitments												-5	75	-30
Provision for (recovery of) credit losses-unfunded commitments	255	-375	201*	251	57	230	592*	-228	366	-80
Total provision for credit losses	944	604	1,169*	5,069	1,427	582	1,381*	558	3,561	1,237	875*	1,193	12	237
Net interest income after provision for credit losses	13,900	12,716	13,154*	8,721	12,574	12,327	11,152*	10,902	7,806	10,047	10,879*	10,474	11,474	12,496	12,518*	13,166	11,545	10,774	10,969*	10,413
Service charges on deposit accounts	917	839	792*	696	721	667	668*	655	623	559	487*	396	379	304	312*	268	289	266	233*	213
Gain (loss) on redemption of life insurance policies																			0*
Net gains on sales of residential mortgage loans	150	145	187*	209	206	114	148*	110	87	90	34*	48	40	-3	-22*	0*	121	557	568*	-268
Net gains on sales of SBA loans															76*	134	143		285*	-1
Gain on sale of deposits																			0*	1,893
Net loss on sales of commercial loans	0*	-0	0*	0*	0*	-18		0*	0*	167		12
Net loss on sale of equity security			0*	0*	0*	-103
Swap fee income	214	30	0*	228	196		69*	252			99*	444	142	30	148*	24	5	13	12*
Earnings on bank owned life insurance	252	245	239*	237	232	225	217*	216	213	204	163*	157	155	150	152*	151	149	146	162*	142
Other	168	228	205*	348	225	321	265*	373	295	-115	196*	244	262	238	158*	128	101	64	122*	98
Total noninterest income	1,701	1,487	1,423*	1,718	1,580	1,206	1,446*	1,606	1,218	905	1,033*	1,301	978	719	651*	705	808	1,046	1,382*	2,077
Salaries and employee benefits	4,325	4,328	3,783*	3,800	3,954	4,183	3,555*	3,539	3,570	3,508	3,329*	3,420	3,778	3,986	3,814*	4,112	3,578	3,621	3,538*	4,250
Occupancy and equipment	398	427	465*	444	417	434	444*	472	471	434	430*	427	456	381	298*	324	312	319	285*	254
Data processing	776	769	821*	709	683	674	682*	623	649	615	604*	532	487	549	632*	1,126	529	520	506*	520
Franchise and other taxes	385	386	499*	303	304	303	301*	326	356	286	328*	308	328	299	312*	178	338	323	252*	241
Professional fees	849	819	643*	828	899	787	822*	654	590	663	597*	635	632	606	610*	896	645	607	793*	959
Director fees	193	167	142*	187	180	177	153*	153	143	125	162*	162	164	170	167*	171	153	141	156*	156
Postage, printing and supplies	34	48	24*	23	46	49	37*	29	42	44	26*	31	37	55	57*	45	38	43	26*	34
Advertising and marketing	127	336	160*	130	84	44	35*	47	38	14	29*	53	71	183	144*	108	134	45	489*	45
Telephone	44	45	45*	43	43	55	56*	51	52	51	60*	61	72	64	69*	66	61	53	72*	65
Loan expenses	206	198	193*	201	196	325	461*	233	259	447	109*	151	187	172	192*	296	106	100	165*	99
Foreclosed assets, net	1	4	4*	10	3	1
Depreciation	118	123	124*	116	118	118	115*	119	122	130	141*	145	148	133	121*	134	126	115	124*	108
FDIC premiums	436	385	472*	506	534	546	451*	529	499	600	625*	568	519	503	440*	312	227	151	143*	476
Regulatory assessment	45	45	54*	33	64	65	64*	63	66	65	61*	63	60	58	71*	70	65	66	65*	66
Other insurance	57	50	49*	49	50	46	46*	45	51	56	55*	55	52	47	42*	45	46	44	45*	45
Impairment of property and equipment															0*	570
Other	344	181	264*	344	179	147	155*	343	184	149	129*	149	182	485	304*	146	114	129	137*	111
Total noninterest expense	8,338	8,311	7,742*	7,726	7,754	7,954	7,433*	7,226	7,092	7,187	6,745*	6,760	7,173	7,691	7,273*	8,599	6,472	6,277	6,796*	7,429
Income before incomes taxes	7,263	5,892	6,835*	2,713	6,400	5,579	5,165*	5,282	1,932	3,765	5,167*	5,015	5,279	5,524	5,896*	5,272	5,881	5,543	5,555*	5,061
Income tax expense	1,351	868	1,099*	373	1,365	1,149	748*	1,077	237	695	932*	984	1,056	1,076	1,225*	1,023	1,155	1,025	1,088*	985
Net income	5,912	5,024	5,736*	2,340	5,035	4,430	4,417*	4,205	1,695	3,070	4,235*	4,031	4,223	4,448	4,671*	4,249	4,726	4,518	4,467*	4,076
Earnings allocated to participating securities (Series D preferred stock)	-181	-155	-176*	-72	-155	-136	-110*	-140	-54	-57
Net income attributable to common stockholders	5,731	4,869	5,560*	2,268	4,880	4,294	4,307*	4,065	1,641	3,013									4,467*	4,076
Basic	0.91	0.77		0.36	0.77	0.68		0.65	0.26	0.48		0.63	0.66	0.69		0.66	0.74	0.7		0.63
Diluted	0.9	0.77		0.36	0.77	0.68		0.65	0.26	0.47		0.62	0.66	0.68		0.65	0.72	0.69		0.61