CF Bankshares Inc. filed its quarterly report on Form 10-Q with the SEC on August 7, 2026, covering the period ended June 30, 2026, disclosing net income, balance sheet growth, and earnings per share for the three and six months ended June 30, 2026.

Key Highlights

  • Net income (Q2 2026): $5,912 thousand for the three months ended June 30, 2026, compared to $5,035 thousand for the same period in 2025.
  • Net income (six months): $10,936 thousand for the six months ended June 30, 2026, compared to $9,465 thousand for the six months ended June 30, 2025.
  • Diluted EPS: $0.90 per common share for Q2 2026, and $1.67 for the six months ended June 30, 2026, according to the filing.
  • Total assets: $2,169,586 thousand as of June 30, 2026, up from $2,117,321 thousand at December 31, 2025.
  • Total deposits: $1,828,656 thousand at June 30, 2026, compared to $1,780,689 thousand at December 31, 2025.
  • Net interest income: $14,844 thousand for Q2 2026, compared to $14,001 thousand for Q2 2025.
  • Shares outstanding: 6,415,512 voting common shares and 76,700 non-voting common shares as of August 5, 2026, according to the filing.

CF Bankshares Q2 2026: Balance Sheet Growth and Income Details

CF Bankshares Inc. (NASDAQ: CFBK), a Delaware-incorporated bank holding company headquartered in Columbus, Ohio, reported net interest income of $14,844 thousand for the three months ended June 30, 2026, up from $14,001 thousand in the prior-year quarter, according to the filing. Total interest and dividend income was $30,022 thousand in Q2 2026, compared to $30,359 thousand in Q2 2025, while total interest expense declined to $15,178 thousand from $16,358 thousand over the same periods. The provision for credit losses totaled $944 thousand for Q2 2026, down from $1,427 thousand in Q2 2025.

On the balance sheet, the company disclosed total assets of $2,169,586 thousand as of June 30, 2026, an increase from $2,117,321 thousand at December 31, 2025. Net loans and leases grew to $1,798,584 thousand from $1,738,854 thousand over the same period, with the allowance for credit losses reported at $19,436 thousand at June 30, 2026, versus $17,678 thousand at December 31, 2025. Total stockholders' equity was $194,336 thousand at June 30, 2026, compared to $184,426 thousand at December 31, 2025. Retained earnings stood at $113,650 thousand, up from $103,883 thousand at year-end 2025.

Noninterest income for Q2 2026 totaled $1,701 thousand, compared to $1,580 thousand in Q2 2025, with service charges on deposit accounts rising to $917 thousand from $721 thousand. Noninterest expense was $8,338 thousand for Q2 2026, versus $7,754 thousand for Q2 2025, with salaries and employee benefits representing the largest component at $4,325 thousand. Income tax expense was $1,351 thousand for Q2 2026. The company noted that earnings allocated to participating securities (Series D preferred stock) were $181 thousand for Q2 2026 and $337 thousand for the six months ended June 30, 2026.

What Was Disclosed

CF Bankshares disclosed unaudited financial statements for the quarter and six months ended June 30, 2026, including balance sheet data, income statement figures, earnings per share, and share counts, as part of its Form 10-Q filing with the SEC.