- CF Bankshares Inc. reported **net income of $2.3 million ($0.36 per diluted common share)** for Q3 2025, which was significantly impacted by a **$5.1 million provision for credit losses**, including a **$3.7 million increase due to the full charge-off of a non-customer loan**.  **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:0]** **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:1]** 
- Despite the credit event, **Pre-provision, pre-tax net revenue (PPNR) for Q3 2025 was $7.8 million**, representing a **33% increase over Q3 2024**.  **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:0]** **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:1]** 
- The company maintained a **strong capital position** with a **Tier 1 Leverage ratio of 11.19%** and a **Total Capital ratio of 14.88%** as of September 30, 2025.  **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:0]** 
- **Book value per share increased to $26.99** as of September 30, 2025, and the company declared a **cash dividend of $0.08 per share** on its Common Stock on October 1, 2025.  **[1070680_0001193125-25-261792_cfbk-ex99_1.htm:0]**

CF Bankshares Inc. Reports Q3 2025 Financial Results

- CF Bankshares Inc. reported **net income** of **$2.3 million** (**$0.36** per diluted common share) for the third quarter ended September 30, 2025, which included **$5.1 million** of provision expense that negatively impacted earnings by **$0.61** per share.  **[1070680_20251103CL12866:0]** 
- **Pre-provision, pre-tax net revenue (PPNR)** for Q3 2025 was **$7.8 million**, representing a **33%** increase over Q3 2024.  **[1070680_20251103CL12866:0]** 
- The company's **Net Interest Margin (NIM)** increased **35bps** compared to Q3 2024, and the **Efficiency Ratio** improved to **49.8%** from **55.3%** for Q3 2024.  **[1070680_20251103CL12866:0]** 
- **Credit quality metrics** showed improvement, with nonaccrual loans declining **40%** and total delinquencies decreasing **63%** when compared to June 30, 2025, despite a **$7 million** non-customer loan charge-off.  **[1070680_20251103CL12866:0]** 
- The Board of Directors declared a cash dividend of **$0.08** per share on its Common Stock on October 1, 2025, which was paid on October 21, 2025.  **[1070680_20251103CL12866:0]**

CF BANKSHARES (CFBK)