Business
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.
CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and year ended December 31, 2025.
About this update from Cf Bankshares Inc.
[{"type":"text","content":"COLUMBUS, Ohio, Feb. 5, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and year ended December 31, 2025.","length":266,"tagName":"p"},{"type":"image","alt":"(PRNewsfoto/CF Bankshares Inc.)","displaySize":"","headline":null,"caption":"(PRNewsfoto/CF Bankshares Inc.)","className":"","disableSlideshowImg":false,"size":{"original":{"width":400,"height":71,"url":"https://media.zenfs.com/en/prnewswire.com/90cbbd72eb364c6ca55f5deab7b1a877"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/Z1mg53PfHNOHwLYmkGzMOQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTcwNTtoPTEyNTtjZj13ZWJw/https://media.zenfs.com/en/prnewswire.com/90cbbd72eb364c6ca55f5deab7b1a877","width":400,"height":71}},"href":"https://mma.prnewswire.com/media/1220151/CF_Bankshares_Inc_Logo.html","hrefExternal":true,"rel":"nofollow"},{"type":"text","content":"Fourth Quarter and Full Year 2025 Highlights","length":44,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income was $5.7 million ($0.88 per diluted common share) for Q4 2025 and $17.5 million ($2.69 per diluted common share) for the year ended December 31, 2025. Q4 Net Income includes loan loss Provision Expense of $1.2 million. Net income for the full year represents a 31% increase over 2024.","length":295,"tagName":"p"}]},{"val":[{"type":"text","content":"Pre-provision, pre-tax net revenue (PPNR) for Q4 2025 was $8.0 million. PPNR for the year ended December 31, 2025 was $29.8 million, which represents a 30% increase over 2024.","length":175,"tagName":"p"}]},{"val":[{"type":"text","content":"Return on Average Equity (ROE) was 12.59% for Q4 2025, while Return on Average Assets (ROA) was 1.09%.","length":102,"tagName":"p"}]},{"val":[{"type":"text","content":"Net Interest Margin (NIM) increased 28bps for Q4 2025, when compared to Q4 2024 and increased 34bps for the full year, when compared to 2024.","length":141,"tagName":"p"}]},{"val":[{"type":"text","content":"Cost of Funds declined 45bps when compared to Q4 2024 and declined 48bps for the full year, when compared to 2024.","length":114,"tagName":"p"}]},{"val":[{"type":"text","content":"Efficiency Ratio improved to 49.2% for Q4 2025, compared to 53.2% for Q4 2024.","length":78,"tagName":"p"}]},{"v...