<span item_type="fundamental" item_id="9d63e3b4a3002899916b6c84ca4a840c" counter_id="ST/US/CFBK" env="prod"></span><span item_type="announcement" item_id="612769161574485889" env="prod"></span><p>Revenue: As of FY2025 Q4, the actual value is USD 31.49 M.</p><p>EPS: As of FY2025 Q4, the actual value is USD 0.88.</p><p>EBIT: As of FY2025 Q4, the actual value is USD -7.488 M.</p><p></p><h4>Net Income</h4><p>Net income for the fourth quarter of 2025 was $5.7 million, representing a 30% increase compared to $4.4 million in the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. For the full year ended December 31, 2025, net income was $17.5 million, marking a 31% increase over $13.4 million in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The fourth quarter of 2025 net income included a loan loss provision expense of $1.2 million <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Pre-provision, Pre-tax Net Revenue (PPNR)</h4><p>PPNR for the fourth quarter of 2025 was $8.0 million, up from $6.5 million in the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. For the full year 2025, PPNR reached $29.8 million, a 30% increase compared to $22.9 million in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Return on Average Equity (ROE)</h4><p>ROE was 12.59% for the fourth quarter of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The ROE for the full year 2025 was 9.90%, compared to 8.29% for the full year 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Return on Average Assets (ROA)</h4><p>ROA was 1.09% for the fourth quarter of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The ROA for the full year 2025 was 0.84%, compared to 0.67% for the full year 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Net Interest Margin (NIM)</h4><p>Net Interest Margin (NIM) increased by 28 basis points for the fourth quarter of 2025 compared to the fourth quarter of 2024, reaching 2.85% <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. For the full year, NIM increased by 34 basis points compared to 2024, reaching 2.77% in 2025 compared to 2.43% in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Cost of Funds</h4><p>Cost of Funds declined by 45 basis points in the fourth quarter of 2025 compared to the fourth quarter of 2024, and declined by 48 basis points for the full year 2025 compared to 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The average rate paid on interest-bearing liabilities was 3.91% for Q4 2025, down from 4.40% for Q4 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Efficiency Ratio</h4><p>The Efficiency Ratio improved to 49.17% for the fourth quarter of 2025, compared to 53.17% for the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. For the full year 2025, the efficiency ratio was 51.15%, an improvement from 55.84% in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Book Value Per Share</h4><p>Book value per share increased to $27.87 as of December 31, 2025, up from $25.51 at December 31, 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Capital Ratios</h4><p>As of December 31, 2025, CF Bankshares Inc. maintained a Tier 1 Leverage ratio of 11.40% and a Total Capital ratio of 15.02% <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Both the Tier 1 risk-based capital ratio and Common equity tier 1 capital to risk weighted assets were 13.85% <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Deposits</h4><p>Total deposits were $1.78 billion at December 31, 2025, an increase of $2.1 million (0.1%) from September 30, 2025, and an increase of $24.9 million (1.4%) from December 31, 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Noninterest-bearing deposits increased by $7.9 million from the prior quarter, while interest-bearing accounts decreased by $5.8 million <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Approximately 29.5% of deposit balances exceeded the FDIC insurance limit at December 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Loans and Leases</h4><p>Net loans and leases totaled $1.7 billion at December 31, 2025, increasing $10.6 million (0.6%) from the prior quarter and $16.8 million (1.0%) from December 31, 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Commercial Loan fundings totaled $369 million in 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The increase from the prior quarter was primarily due to a $22.8 million increase in commercial real estate loans and a $9.6 million increase in construction loans, partially offset by decreases in C&amp;I loans and single-family residential loans <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Asset Quality</h4><p>Nonaccrual loans were $15.3 million (0.87% of total loans) at December 31, 2025, an increase of $5.3 million from $10.0 million at September 30, 2025, and an increase of $610,000 from $14.5 million at December 31, 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Loans 30 days or more past due totaled $12.9 million at December 31, 2025, compared to $5.6 million at September 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The allowance for credit losses on loans and leases was $17.7 million at December 31, 2025, representing 1.01% of total loans and leases <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Provision for Credit Losses</h4><p>Provision for credit losses expense was $1.2 million for the fourth quarter of 2025, down from $5.1 million in the prior quarter <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. Net charge-offs for Q4 2025 totaled $131,000, significantly lower than the $7.1 million recorded in the prior quarter <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Noninterest Income</h4><p>Noninterest income for the fourth quarter of 2025 was $1.4 million, a decrease of $295,000 (17.2%) from the prior quarter, mainly due to a $228,000 decrease in Swap fee income <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. It decreased by $23,000 (1.6%) compared to Q4 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Noninterest Expense</h4><p>Noninterest expense for the fourth quarter of 2025 was $7.7 million, a slight increase of $16,000 (0.2%) from the prior quarter <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. It increased by $309,000 (4.2%) compared to $7.4 million in Q4 2024, driven by higher salaries, franchise taxes, and data processing expenses, partially offset by reduced loan expenses <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p><h4>Outlook / Guidance</h4><p>CF Bankshares Inc. anticipates stronger commercial loan growth rates in 2026, driven by robust pipelines, the addition of high-performing bankers, and an expected decline in commercial loan payoffs <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. The company expects to operate in a more stabilized interest rate environment in 2026, with Federal Reserve rate reductions providing a net positive bias to earnings <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>. CF Bankshares Inc. believes it is well-positioned to compete effectively across all deposit categories due to its strong efficiency and Branch Lite Business Model <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-ex99_1.htm"></span>.</p>

CF Bankshares | 8-K: FY2025 Q4 Revenue: USD 31.49 M