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  <element id="cfbk_RealEstateCommercialLandAcquisitionMember" name="RealEstateCommercialLandAcquisitionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_HomeEquityLineOfCreditPurchasedPortfolioMember" name="HomeEquityLineOfCreditPurchasedPortfolioMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_NonCumulativeConvertiblePerpetualPreferredStockSeriesBMember" name="NonCumulativeConvertiblePerpetualPreferredStockSeriesBMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_NumberOfDaysOfDefaultPayment" name="NumberOfDaysOfDefaultPayment" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_GeneralLitigationPolicyTextBlock" name="GeneralLitigationPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_SubordinatedDebenturesMatureOnDecember302033Member" name="SubordinatedDebenturesMatureOnDecember302033Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="cfbk_CommonEquityTier1CoreCapitalToRiskWeightedAssetsPhaseInScheduleActualRatio" name="CommonEquityTier1CoreCapitalToRiskWeightedAssetsPhaseInScheduleActualRatio" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
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  <element id="cfbk_CommonEquityTier1CapitalToRiskWeightedAssetsUponFullImplementationRatio" name="CommonEquityTier1CapitalToRiskWeightedAssetsUponFullImplementationRatio" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
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  <element id="cfbk_TotalCapitalToRiskWeightedAssetsUponFullImplementationRatio" name="TotalCapitalToRiskWeightedAssetsUponFullImplementationRatio" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="cfbk_MinimumLeverageRatioBasedOnRequiredBasel3Rules" name="MinimumLeverageRatioBasedOnRequiredBasel3Rules" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
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  <element id="cfbk_FairValueAssetsAndLiabilitiesTransferLevel1ToLevel3" name="FairValueAssetsAndLiabilitiesTransferLevel1ToLevel3" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="cfbk_FairValueAssetsAndLiabilitiesTransferLevel3ToLevel1" name="FairValueAssetsAndLiabilitiesTransferLevel3ToLevel1" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
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  <element id="cfbk_StockConversionEstimatedPreferredStockDividendsEliminatedAnnually" name="StockConversionEstimatedPreferredStockDividendsEliminatedAnnually" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
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</schema>
