CF Bankshares Inc（CFBK）资讯与事件CFBKCF Bankshares Inc

Q3 Net Interest Margin Rises to 2.96%

Reports Q3 net interest margin 2.96%, up 3bps vs. the prior quarter and up 20bps vs. Q3 2025. Tangible book value per common share was $29.83 vs. $29.04 last quarter. Common equity tier 1 capital to risk weighted assets was 13.54% vs. 13.55% last quarter. CEO Timothy O'Dell commented, "We had strong net income of $6.0M for Q3, which was net of $551K of provision expense. Return on Equity topped 12% at 12.22%, while our NIM expanded by 3 bps to 2.96%....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".

Q2 Net Interest Margin Increases to 2.93%

Reports Q2 net interest margin 2.93%, an increase of 24bps vs. the prior quarter. Tangible book value per common share was $29.04 from $28.20 at previous quarter end. Common equity tier 1 capital ratio was 13.55% from 13.95% ain the previous quarter. CEO Timothy O'Dell commented, "Q2 consolidated net earnings of $5.9M includes nearly $1M of provision expense. This represents an 18% increase in net Earnings vs. our Q1 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. 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".

CFBank Q4 Net Interest Margin Rises to 2.85%

Reports Q4 net interest margin 2.85%, up 9bps vs. 2.76% for the prior quarter. Tangible book value per common share was $27.87 vs. $26.99 in the previous quarter. Common equity tier 1 capital to risk weighted assets was 13.85% vs. 13.74% in the previous quarter. CEO Timothy O'Dell commented "Our Q4 Results, with Net Income of $5.7M, underscores our Core Earnings run rate expectations. We enter 2026 with a substantially deeper and stronger Team of Bankers. Additionally, we are making good progress with both lowering our Cost of funds, coupled with expanding NIM. We expect to operate in a more stabilized Interest rate environment during 2026. Fed Rate reductions provide a Net Positive bias to Earnings. Deposits of all types remain highly competitive as Banks seek to fund improving Loan growth. We believe that CFBank is well positioned to compete effectively for all Deposit categories, particularly given our strong Efficiency and Branch Lite Business Model. Based upon our Pipelines and the addition of proven high performing Bankers, plus the anticipated decline in Commercial Loan Payoffs during 2026, we anticipate stronger Commercial Growth rates as we pursue our objective of adding scale to our Commercial Bank. Our Bests are yet Ahead!"