CFBK

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

Parent of CFBank, NA

PRESS RELEASE

FOR IMMEDIATE RELEASE:

October 27, 2026

For Further Information:

Timothy T. O'Dell, President & CEO

Phone: 614.318.4660

Email: timodell@cfbankmail.com

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2026.

Columbus, Ohio – October 27, 2026 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the third quarter ended September 30, 2026.

Third Quarter 2026 Highlights

• Net income for Q3 2026 was $6.0 million ($0.91 per diluted common share), which included $551,000 of Provision expense. Pre-provision, pre-tax net revenue (PPNR) for Q3 2026 was $7.9 million.

• Return on Average Equity (ROE) was 12.22% for Q3 2026, while Return on Average Assets (ROA) was 1.14%.

• Net Interest Margin (NIM) was 2.96%, an increase of 3bps when compared to the prior quarter and an increase of 20bps when compared to Q3 2025.

• Commercial Loan Fundings of $79 million in Q3, resulting in Net Commercial Loan growth of $42 million for the quarter. Year-to-date commercial loan fundings have totaled $357 million with $129 million in Net Commercial Loan growth.

• Customer Fees, including Treasury Management products and services increased $71,000, or 8%, when compared to the prior quarter and have increased $660,000, or 32% year-to-date in 2026 when compared to the same period in 2025.

• Book value per share increased to $29.83 as of September 30, 2026, representing a 10.5% increase year-over-year.

• CFBank’s capital position remains strong with a Tier 1 Leverage Ratio of 11.99% and a Total Capital Ratio of 14.69%.

Recent Developments

• On October 1, 2026, the Company’s Board of Directors declared a cash dividend of $0.09 per share on its Common Stock. The dividend was paid on October 20, 2026 to shareholders of record as of the close of business on October 12, 2026.

CEO and Board Chair Commentary

Timothy T. O’Dell, President and CEO, commented “We had strong net income of $6.0 million for the third quarter, which was net of $551,000 of provision expense. Return on Equity (ROE) topped 12% at 12.22%, while our NIM expanded by 3 bps to 2.96%.

Ongoing Investments particularly with building our Commercial Banking Teams and expanding our Regional Metro Markets presence, are producing increasing Commercial Business banking opportunities throughout the Five (5) metro Marketplaces we serve in Ohio and Indiana.

As an example, our Commercial Banking Team has generated over $350 million in total new Commercial Loan Fundings year-to-date. Our Pipelines of Commercial Banking Loan and Deposits remain strong entering the fourth quarter. As our new producers fully hit their strides, we expect our business generation results and Team capabilities will continue to grow and expand.

Customer Fees, driven predominantly by Treasury Management Fees for Services, also have increased 32% year-to-date, up 8% compared to the prior quarterly results.

During 2026, we have expanded considerably the size and depth of our Commercial Banking Team, which we believe will continue to fuel increasing quality Commercial growth opportunities, along with improving business mix through capturing greater numbers of full-service Banking (C&I) relationships.

Additionally, we are gaining traction with expanding our Private Banking Customers & Product offerings to closely held business owners and entrepreneurs.

Also, we are investing in Mortgage Lending, mostly through adding high performing Mortgage Loan Originators along with Regional Sales Leaders, capable of building Local and Regionally based Mortgage Lending Teams.

Looking ahead, we expect our rate of Growth to continue accelerating. As we deploy more available capital to work into Loan relationships, we see enhanced Earnings growth opportunity.

Our Best is Yet Ahead!”

Robert E. Hoeweler, Chairman of the Board, added “Our team has been able to perform at the highest level in very trying economic times. The results of the 3rd quarter reflect the quality of the Management team we have been able to attract and keep. Our marching orders are to continue our profitable growth and build shareholder value. I wholehearted agree 'Our Best is Yet Ahead'!"

Overview of Results

Net income for the three months ended September 30, 2026 totaled $6.0 million (or $0.91 per diluted common share) compared to net income of $5.9 million (or $0.90 per diluted common share) for the three months ended June 30, 2026 and net income of $2.3 million (or $0.36 per diluted common share) for the three months ended September 30, 2025. PPNR for the three months ended September 30, 2026 was $7.9 million compared to PPNR of $8.2 million for the three months ended June 30, 2026 and PPNR of $7.8 million for the three months ended September 30, 2025.

Net income for the nine months ended September 30, 2026 totaled $17.0 mi

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

Parent of CFBank, NA

PRESS RELEASE

FOR IMMEDIATE RELEASE:

July 28, 2026

For Further Information:

Timothy T. O'Dell, President & CEO

Phone: 614.318.4660

Email: timodell@cfbankmail.com

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2026.

Columbus, Ohio – July 28, 2026 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the second quarter ended June 30, 2026.

Second Quarter 2026 Highlights

• Net income for Q2 2026 was $5.9 million ($0.90 per diluted common share), which included $944,000 of Provision expense. This represents an 18% increase in net income over Q1 2026.

• Pre-provision, pre-tax net revenue (PPNR) for Q2 2026 was $8.2 million, which represents a 26% increase over Q1 2026.

• Return on Average Equity (ROE) was 12.31% for Q2 2026, while Return on Average Assets (ROA) was 1.11%.

• Net Interest Margin (NIM) was 2.93%, an increase of 24bps when compared to the prior quarter.

• Noninterest income increased $214,000, or 14%, when compared to Q1 2026. This was driven by a $184,000 increase in Swap Fees and a $78,000 increase in Customer Fees, including Treasury Management products and services.

• Commercial Loan Fundings of $135 million in Q2, resulting in Net Commercial Loan growth of $52 million for the quarter.

• Noninterest bearing (NIB) deposit balances grew by $33 million, or 14% during the quarter, with total Core Deposits (excluding brokered deposits) increasing $91 million, or 6%.

• Book value per share increased to $29.04 as of June 30, 2026.

• Efficiency Ratio improved to 50.4% compared to 56.1% for the prior quarter.

• CFBank’s capital position remains strong with a Tier 1 Leverage Ratio of 11.64% and a Total Capital Ratio of 14.76%.

Recent Developments

• On July 1, 2026, the Company’s Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and a corresponding cash dividend of $9.00 per share on its Series D Preferred Stock. The dividend was paid on July 21, 2026 to shareholders of record as of the close of business on July 13, 2026.

CEO and Board Chair Commentary

Timothy T. O’Dell, President and CEO, commented “Q2 Consolidated Net Earnings of $5.9 million includes nearly $1 million ($944,000) of Provision Expense. This represents an 18% increase in net Earnings vs. our First quarter results.

We expect increasing Size & Scale supported by our strong Commercial Loan Pipelines to be further accretive to Core Earnings during the Second half of 2026.

Success with expanding our Commercial Banking Regional Teams throughout our Footprint, is resulting in expanded Business Banking opportunities and strong pipelines.

We feel well positioned to sustain Commercial Loan Yields through effective use of loan rate floors. Additionally, Commercial loan Swaps (up $184,000 for the second quarter) are providing lift to non-interest Fee Income. Expansion of our Residential Mortgage salable loan volumes and business is on a trajectory which is likely to provide added Fee income contribution during the second half of the year.

NIM is expected to remain a challenge. In response, our Treasury Management group is concentrating on sourcing low-cost deposits from businesses and industries that manage large deposits.

We have begun responding to increasingly Competitive Market Loan Pricing by setting corresponding deposit level requirements with our Borrowers.

Also, we continually are improving the quality of our Balance Sheet by scaling the size of the Commercial Bank, while simultaneously reducing low-rate loans in our residential Mortgage Portfolio. Funding these low-rate Residential Mortgage loans increases our incremental Cost of Funds. NIB Deposits were approximately 20% of Commercial Loans at June 30, 2026.

Our Bests are yet Ahead!”

Robert E. Hoeweler, Chairman of the Board, added “We are seeing positive Earnings Performance as we add Size & Scale to our Commercial Bank.”

Overview of Results

Net income for the three months ended June 30, 2026 totaled $5.9 million (or $0.90 per diluted common share) compared to net income of $5.0 million (or $0.77 per diluted common share) for the three months ended March 31, 2026 and net income of $5.0 million (or $0.77 per diluted common share) for the three months ended June 30, 2025. PPNR for the three months ended June 30, 2026 was $8.2 million compared to PPNR of $6.5 million for the three months ended March 31, 2026 and PPNR of $7.8 million for the three months ended June 30, 2025.

Net income for the six months ended June 30, 2026 totaled $10.9 million (or $1.67 per diluted common share) compared to net income of $9.5 million (or $1.45 per diluted common share) for the six months ended June 30, 2025. PPNR for the six months ended June 30, 2026 was $14.7 million compared to PPNR of $14.0 million for the six months ended June 30, 20

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

Parent of CFBank, NA

PRESS RELEASE

FOR IMMEDIATE RELEASE:

May 5, 2026

For Further Information:

Timothy T. O'Dell, President & CEO

Phone: 614.318.4660

Email: timodell@cfbankmail.com

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 1st QUARTER 2026.

Columbus, Ohio – May 5, 2026 – CF Bankshares Inc. (NASDAQ: CFBK) (the “Company”), the parent of CFBank, National Association (“CFBank”), today announced financial results for the first quarter ended March 31, 2026.

First Quarter 2026 Highlights

• Net income was $5.0 million ($0.77 per diluted common share) for Q1 2026, which represents a 13% increase over Q1 2025.

• Pre-provision, pre-tax net revenue (PPNR) for Q1 2026 was $6.5 million, which represents a 5.4%increase over Q1 2025.

• Return on Average Equity (ROE) was 10.74% for Q1 2026, while Return on Average Assets (ROA) was 0.97%.

• Net Interest Margin (NIM) increased 5bps for Q1 2026 when compared to Q1 2025.

• Cost of Funds declined 34bps when compared to Q1 2025 and declined 15bps when compared to Q4 2025.

• Noninterest income increased $281,000, or 23% when compared to Q1 2025. This was driven by a $172,000 (26%) increase in Customer Fees, including Treasury Management products and services.

• Core Commercial Net Loan Growth totaled $45 million in Q1, which was net of $100 million of payoffs and amortization. This represents an annualized growth rate of 15%.

• Book value per common share increased to $28.20 as of March 31, 2026.

• CFBank’s capital position remains strong with a Tier 1 Leverage ratio of 11.76% and a Total Capital Ratio of 15.15%.

Recent Developments

• On April 1, 2026, the Company’s Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and a corresponding cash dividend of $9.00 per share on its Series D Preferred Stock. The dividend was paid on April 21, 2026 to shareholders of record as of the close of business on April 13, 2026.

CEO and Board Chair Commentary

Timothy T. O’Dell, President and CEO, commented “Our Q1 earnings totaled $5.0 million. Earnings for the first quarter of 2026 were impacted by the timing of commercial loan fundings and loan payoffs. Net core commercial loan growth for the first quarter totaled $45 million, representing an annualized core commercial loan growth rate of 15%.

Commercial loan payoffs occurred early in, and steadily throughout, the quarter, while heavier loan fundings and net loan growth were concentrated in the final ten days of Q1. This timing dynamic of loan fundings, combined with elevated loan payoffs, impacted average loans outstanding during the quarter and resulted in lower interest income. We expect to see the interest income benefit of Q1 net loan growth beginning in the second quarter.

Commercial loan and deposit pipelines remain strong, underscoring our expectations for continued solid growth within the Commercial Bank. Scaling the Commercial Bank remains a top strategic objective. Recent loan fundings also include adding new full C&I banking relationships. Another key strategic objective is improving overall loan mix and diversification.

Our expanded CF Commercial Banking teams continue to demonstrate our ability to compete effectively with regional banks and other larger competitors to win high-quality banking relationships.

In addition to our focus on commercial loan and deposit growth, initiatives are underway to increase fee based (non‑interest) income. Q1 results reflected a 23% increase in overall non-interest income when compared to Q1 2025. These initiatives include expanding

residential mortgage salable loan volumes, increasing treasury management service fees, and utilizing interest rate swaps to grow non‑interest fee income. Going forward, we expect to see increasing earnings lift from our focused investment from these fee‑generating business activities.

NIM expanded modestly when compared to Q1 2025, while overcoming pressures from large Deposit Clients to receive greater Interest Income.

Overall business opportunities and pipelines remain robust. Our investment in increasing the depth of our regional market teams across Columbus, Cleveland, Cincinnati, and Indianapolis is paying off. We are attracting additional proven Business developers and proven Rainmakers.

With loan payoffs expected to decline in subsequent quarters, coupled with expected increases in deal flow driven by expanded production capacity from our deepened regional teams, we believe the table is set to add greater size and scale moving forward.”

Robert E. Hoeweler, Chairman of the Board, added “We believe our Bank is particularly well positioned to leverage the strength of our Commercial Banking Team & Franchise to achieve scalable growth.”

Overview of Results

Net income for the three months ended March 31, 2026 totaled $5.0 million (or $0.77 per diluted common share) compared to net income of $5.7 million (or $0.88 per dilut