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David Royer

Director at CF BANKSHARES
Board

About David L. Royer

Independent director since July 1, 2018; age 57. Executive Vice President of Finance & Development at Continental Real Estate Companies; prior Vice President in Fifth Third Bank’s commercial real estate group. Education: B.S. in Finance, Miami University (1989); MBA, The Ohio State University (1993). Board independence affirmed by NASDAQ standards; tenure covers continuous service since 2018 .

Past Roles

OrganizationRoleTenureCommittees/Impact
Continental Real Estate Companies (CREC)EVP, Finance & DevelopmentLeads project development & capital procurement across multifamily, student housing, office, retail, medical office
CRECVP, Finance & Development (prior)Diverse commercial development projects
Fifth Third BankVice President, Commercial Real EstateReal estate lending expertise; banking network

External Roles

OrganizationRoleTenureNotes
Athletic Club of ColumbusPast President2010Community leadership
NAIOP of Central OhioPast President2017Industry leadership in commercial real estate
Scioto Country ClubPast President2021Community leadership
Junior Achievement of Central OhioPrior BoardNon-profit governance
First Community Village FoundationPrior BoardNon-profit governance
Sky Bank Central OhioAdvisory Board (prior)Banking advisory role
FC BankAdvisory Board (prior)Banking advisory role
Kohr Royer Griffith, Inc. (Columbus real estate firm)Member & AdvisorReal estate advisory (private firm)
Columbus Board of Realtors; National Association of RealtorsMemberProfessional affiliations

Board Governance

  • Independence: Determined independent (NASDAQ & SEC rules) alongside Ash, Cochran, Frauenberg, Hoeweler, Rana; O’Dell not independent as CEO .
  • Committee memberships: Audit Committee member; Corporate Governance & Nominating Committee member .
  • Chair roles: None; Audit Chair is Thomas P. Ash; Nominating Chair is Edward W. Cochran; Compensation Chair is Robert E. Hoeweler .
  • Attendance: In 2024, no director attended less than 75% of Board and relevant committee meetings; Board met 12 times; Audit met 11; Compensation met 1; Nominating met 1 .
  • Board leadership: Independent Chair (Robert E. Hoeweler) and clear committee risk oversight delineation .

Fixed Compensation

ComponentAmountNotes
Annual base retainer (non-employee directors)$34,650Paid quarterly
Fees earned or paid in cash – David Royer (2024)$44,100Includes base retainer plus committee membership retainer(s); no itemized meeting fees disclosed

Performance Compensation

Equity AwardGrant DateGrant-Date Fair ValueInstrumentVestingPrice Basis
Annual director restricted stock – David Royer (2019 Plan)April 30, 2024$49,434Restricted StockTime-based, 3-year ratable vesting$18.48 per share (plan valuation)
  • Plan terms: 2019 Equity Incentive Plan authorizes RS/RSUs/options; restricted stock vests over three years; company has not granted stock options in >11 years; none granted in 2024 or 2023 .
  • Performance metrics for director equity: Not specified; director grants appear time-based rather than tied to specific performance outcomes in proxy .

Other Directorships & Interlocks

CompanyTypeRolePotential Interlock/Conflict Consideration
None disclosed (public companies)No public company boards disclosed for Royer
  • Castle Creek designated director (Sundeep Rana) under investment rights; reflects investor influence on board composition, not specific to Royer .

Expertise & Qualifications

  • Real estate finance and development across multiple asset classes; prior bank real estate lending experience; deep Columbus business networks .
  • Governance experience across non-profit boards and advisory boards; professional Realtor affiliations .

Equity Ownership

HolderShares Beneficially OwnedOwnership %As-of Date
David L. Royer36,687<1%April 10, 2025
  • Group insider ownership: Directors/executives as group (11 persons) owned 1,095,531 shares (21.0%) as of April 10, 2025 .
  • Section 16 compliance: All required filings complied with in 2024 .
  • Hedging/pledging: Insider Trading Policy prohibits short sales and certain hedging transactions; no pledging disclosure specific to Royer in proxy .

Governance Assessment

  • Committee impact: Audit Committee membership places Royer in core financial oversight, including related-party transaction reviews and auditor oversight; Nominating role supports board composition and annual performance reviews .
  • Independence & attendance: Independent with satisfactory attendance (>75% threshold), supporting board effectiveness and investor confidence .
  • Pay mix alignment: 2024 director compensation for Royer balanced between cash ($44,100) and equity ($49,434), aligning director incentives with shareholder value via time-based stock; absence of options reduces risk of repricing concerns .
  • Conflicts monitoring: Audit Committee pre-approves related-party transactions; Regulation O lending compliance; while Royer’s extensive real estate ties raise theoretical related-party exposure, proxy discloses aggregate related-person loans without naming Royer and affirms normal terms and oversight, mitigating conflict risk .
  • Say-on-Pay signaling: Company notes majority approval each of the last twelve annual meetings, indicating general shareholder support for compensation oversight framework (contextual to board’s comp governance role) .

RED FLAGS

  • Related-party/Reg O exposure: Aggregate related-person loans were $23,315,720 at 12/31/2024; continued vigilance warranted though policy requires market terms and Audit Committee approval .
  • Investor representation on board: Castle Creek’s designated director reflects concentrated investor influence; monitor alignment across all shareholders .
  • Pledging: No explicit disclosure regarding pledging by directors; policy restricts hedging/short sales, but absence of pledging policy detail is a minor disclosure gap .

Notes on Attendance & Engagement

  • Annual meeting: Directors expected to attend; all then-current directors attended last year’s annual meeting .
  • Meeting cadence: Board (12), Audit (11), Compensation (1), Nominating (1) in 2024; Royer’s committee roles imply regular engagement, especially in Audit .

Appendix: Director Compensation Table (2024)

NameFees Earned or Paid in Cash ($)Stock Awards ($)Total ($)
David L. Royer44,10049,43493,534

Appendix: Committee Memberships (2024–2025)

CommitteeMembersMeetings (2024)
AuditThomas P. Ash (Chair); Edward W. Cochran; James H. Frauenberg; Sundeep Rana; David L. Royer11
Compensation & Management DevelopmentRobert E. Hoeweler (Chair); Edward W. Cochran; James H. Frauenberg1
Corporate Governance & NominatingEdward W. Cochran (Chair); Robert E. Hoeweler; David L. Royer1