<SEC-DOCUMENT>0001070680-20-000045.txt : 20201229
<SEC-HEADER>0001070680-20-000045.hdr.sgml : 20201229
<ACCEPTANCE-DATETIME>20201229163721
ACCESSION NUMBER:		0001070680-20-000045
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20201229
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201229
DATE AS OF CHANGE:		20201229

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CF BANKSHARES INC.
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		201422887

	BUSINESS ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085
		BUSINESS PHONE:		6143347979

	MAIL ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTRAL FEDERAL CORP
		DATE OF NAME CHANGE:	20030509

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>cfbk-20201229x8k.htm
<DESCRIPTION>8-K
<TEXT>
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			8-K P and A Agreement with Consumers
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			<font style="display: inline;font-weight:bold;font-size:14pt;">UNITED STATES</font>
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			<font style="display: inline;font-weight:bold;font-size:14pt;">SECURITIES AND EXCHANGE COMMISSION</font>
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			<font style="display: inline;font-weight:bold;font-size:14pt;">Washington</font><font style="display: inline;font-weight:bold;font-size:14pt;">, &nbsp;</font><font style="display: inline;font-weight:bold;font-size:14pt;">D.C.</font><font style="display: inline;font-weight:bold;font-size:14pt;"> 20549</font>
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			<font style="display: inline;font-weight:bold;font-size:14pt;">FORM 8-K</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">CURRENT REPORT </font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">Pursuant to Section 13 </font><font style="display: inline;font-weight:bold;font-size:10pt;">or</font><font style="display: inline;font-weight:bold;font-size:10pt;"> 15(d) of the Securities Exchange Act of 1934</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">Date of Report (Date of earliest event reported</font><font style="display: inline;font-weight:bold;font-size:10pt;">): </font><font style="display: inline;font-weight:bold;font-size:10pt;">December 29</font><font style="display: inline;font-weight:bold;font-size:10pt;">,</font><font style="display: inline;font-weight:bold;font-size:10pt;"> 20</font><font style="display: inline;font-weight:bold;font-size:10pt;">20</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">CF BANKSHARES INC</font><font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">.</font>
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			<font style="display: inline;font-size:10pt;">(Exact name of registrant as specified in its charter)</font>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">Delaware</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">0-25045</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">34-1877137</font></p>
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						<font style="display: inline;font-size:10pt;">(State or other jurisdiction of</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(Commission</font></p>
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						<font style="display: inline;font-size:10pt;">(IRS Employer</font></p>
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						<font style="display: inline;font-size:10pt;">incorporation)</font></p>
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						<font style="display: inline;font-size:10pt;">File Number)</font></p>
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						<font style="display: inline;font-size:10pt;">Identification Number)</font></p>
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						&nbsp;</p>
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						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">7000 N. High Street, Worthington, Ohio</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">43085</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">(614) 334-7979</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(Address of principal executive offices)</font></p>
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					<p style="margin:0pt 0pt 0pt 9.9pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(Zip Code)</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;"> &nbsp;(Registrant&#x2019;s Telephone Number)</font></p>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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		<p style="margin:0pt -36pt 0pt -18pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:100.00%;border-bottom:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt 36pt 0pt 0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:100.00%;border-top:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt 36pt 0pt 0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(former name or former address, if changed since last report)</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Securities registered pursuant to Section 12(b) of the Act:</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse:collapse;width: 100.00%;margin-left:0pt;text-align:justify;text-justify:inter-ideograph;">
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Title of each class</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Trading Symbol(s)</font></p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Name of each exchange on which registered</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Common Stock, $.01 par value</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">CFBK</font></p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">The NASDAQ Capital Market</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt -36pt 0pt -18pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt -18pt 4pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font>
		</p>
		<p style="margin:0pt -36pt 0pt -18pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 0pt -18pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#xA7;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#xA7;240.12b-2 of this chapter).</font>
		</p>
		<p style="margin:0pt 0pt 6pt;text-indent: -9.35pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Emerging growth company </font><font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font>
		</p>
		<p style="margin:0pt 0pt 0pt -18pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </font><font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			&nbsp;
		</p></div><div style="margin-left:72pt;margin-right:72pt;">
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div>
		<p style="margin:0pt;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">Item 8.01.&nbsp;&nbsp;Other Events.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-weight:bold;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">On </font><font style="display: inline;font-size:10pt;">December 29</font><font style="display: inline;font-size:10pt;">, 2020, </font><font style="display: inline;font-size:10pt;">CF Bank, National Association (&#x201C;CFBank&#x201D;), the wholly-owned banking subsidiary of CF Bankshares Inc., entered into a Branch Purchase and Assumption Agreement (the &#x201C;P&amp;A Agreement&#x201D;) with Consumers National Bank (&#x201C;Consumers&#x201D;) pursuant to which Consumers will acquire the two branches of CFBank in Columbiana County, Ohio </font><font style="display: inline;font-size:10pt;">&#x2013;</font><font style="display: inline;font-size:10pt;"> CFBank&#x2019;s </font><font style="display: inline;font-size:10pt;">drive-up branch location in </font><font style="display: inline;font-size:10pt;">Wellsville, Ohio </font><font style="display: inline;font-size:10pt;">and CFBank&#x2019;s branch location in</font><font style="display: inline;font-size:10pt;"> Calcutta, Ohio</font><font style="display: inline;font-size:10pt;"> (the &#x201C;Branches&#x201D;)</font><font style="display: inline;font-size:10pt;">.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;"> &nbsp; &nbsp;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">The P&amp;A Agreement provides for the </font><font style="display: inline;font-size:10pt;">sale and </font><font style="display: inline;font-size:10pt;">transfer by CFBank to Consumers of the land, buildings and other associated ass</font><font style="display: inline;font-size:10pt;">ets of the </font><font style="display: inline;font-size:10pt;">B</font><font style="display: inline;font-size:10pt;">ranches;</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">approximately $100 million in deposits attributable to the </font><font style="display: inline;font-size:10pt;">B</font><font style="display: inline;font-size:10pt;">ranches</font><font style="display: inline;font-size:10pt;">;</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">$15 million in aggregate principal amount of</font><font style="display: inline;font-size:10pt;"> subordinated debt securities </font><font style="display: inline;font-size:10pt;">issued by unrelated financial institutions and held in CFBank&#x2019;s</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">portfolio</font><font style="display: inline;font-size:10pt;">; &nbsp;</font><font style="display: inline;font-size:10pt;">all </font><font style="display: inline;font-size:10pt;">performing loans attributable to the </font><font style="display: inline;font-size:10pt;">B</font><font style="display: inline;font-size:10pt;">ranches </font><font style="display: inline;font-size:10pt;">which are outstanding at closing </font><font style="display: inline;font-size:10pt;">(totaling </font><font style="display: inline;font-size:10pt;">approximately </font><font style="display: inline;font-size:10pt;">$3.</font><font style="display: inline;font-size:10pt;">1</font><font style="display: inline;font-size:10pt;"> million</font><font style="display: inline;font-size:10pt;"> in aggregate principal amount</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">as of November 30, 2020</font><font style="display: inline;font-size:10pt;">)</font><font style="display: inline;font-size:10pt;">;</font><font style="display: inline;font-size:10pt;"> and up to $13.5 million in aggregate principal amount of single family residential mortgage loans and home equity lines of credit to be </font><font style="display: inline;font-size:10pt;">identified</font><font style="display: inline;font-size:10pt;"> by the parties prior to the closing principally from CFBank&#x2019;s Northeast Ohio loan portfolio.&nbsp; </font><font style="display: inline;font-size:10pt;">In exchange, Consumers will pay to CFBank the net book value of the land, building and associated assets of the </font><font style="display: inline;font-size:10pt;">B</font><font style="display: inline;font-size:10pt;">ranches, a deposit premium equal to 1.75% of the average daily deposits </font><font style="display: inline;font-size:10pt;">of the Branches </font><font style="display: inline;font-size:10pt;">for the 30 days preceding the closing, and the par value of the subordinated debt securities and loans acquired by Consumers.&nbsp; </font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">The closing of the transactions contemplated by the P&amp;A Agreement is subject to regulatory approval and satisfaction of other customary closing c</font><font style="display: inline;font-size:10pt;">onditions.&nbsp;&nbsp;The parties </font><font style="display: inline;font-size:10pt;">expect</font><font style="display: inline;font-size:10pt;"> the closing of </font><font style="display: inline;font-size:10pt;">the transactions </font><font style="display: inline;font-size:10pt;">to occur </font><font style="display: inline;font-size:10pt;">in the second calendar quarter of 2021.&nbsp; </font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">A copy of the </font><font style="display: inline;font-size:10pt;">Joint </font><font style="display: inline;font-size:10pt;">Press Release issued by CFBank and Consumers </font><font style="display: inline;font-size:10pt;">on December 29, 2020, </font><font style="display: inline;font-size:10pt;">announcing the signing of the P&amp;A Agreement is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">Item 9.01.&nbsp;&nbsp;Financial Statements and Exhibits</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;margin-left:4.5pt;">
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:27.00pt;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden">
						&nbsp;</p>
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:306.00pt;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(a)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(b)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(c)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(d)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 6pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;text-decoration:underline;">Exhibits</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
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					<p style="margin:0pt 0pt 6pt 39.75pt;text-indent: -39.75pt;font-family:Times New Roman;font-size: 10pt">
						<a href="cfbk-20201229xex99_1.htm" style="-sec-extract:exhibit"><font style="display: inline;font-size:10pt;">99.1</font></a><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 27pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;"></font><a href="cfbk-20201229xex99_1.htm" style="-sec-extract:exhibit"><font style="display: inline;font-size:10pt;">Joint Press Release issued by CFBank and Consumers on December 29, 2020, announcing the signing of the P&amp;A Agreement</font></a><font style="display: inline;font-size:10pt;">.</font></p>
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			&nbsp;

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			&nbsp;

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			<font style="display: inline;font-size:10pt;">SIGNATURES</font>
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			<font style="display: inline;font-size:10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;padding:0pt 6.5pt">
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">CF Bankshares Inc</font><font style="display: inline;font-size:10pt;">.</font></p>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:135.90pt;background-color: #auto;padding:0pt 6.5pt">
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
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						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Date:&nbsp; </font><font style="display: inline;font-size:10pt;">December 29</font><font style="display: inline;font-size:10pt;">,</font><font style="display: inline;font-size:10pt;"> 2020</font></p>
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">By:</font></p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;background-color: #auto;padding:0pt 6.5pt">
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						<font style="display: inline;font-size:10pt;">/s/ </font><font style="display: inline;font-size:10pt;">Kevin J. Beerman</font><font style="display: inline;font-size:10pt;"></font></p>
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					<p style="margin:0pt;font-family:Times New Roman;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;height:13.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Kevin J. Beerman</font></p>
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			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:135.90pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt 9pt 0pt 0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Senior Vice President and Senior Finance Officer</font></p>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>cfbk-20201229xex99_1.htm
<DESCRIPTION>EX-99.1
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			Exhibit 991
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					<p style="margin:0pt;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">FOR IMMEDIATE RELEASE:</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:19.85pt;padding:0pt 6.5pt">
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						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">Consumers National Bank Contact: Ralph J. Lober II</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:19.85pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">President &amp; CEO</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">330-868-9035</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:279.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">Ralph.Lober@ConsumersBank.com</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">CFBank Contact: </font><font style="display: inline;font-size:12pt;">Tim</font><font style="display: inline;font-size:12pt;">othy T.</font><font style="display: inline;font-size:12pt;"> O'Dell</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:279.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">President </font><font style="display: inline;font-size:12pt;">&amp;</font><font style="display: inline;font-size:12pt;"> CEO</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:279.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">614-318-4660</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-weight:bold;font-size:12pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 11pt">
						&nbsp;</p>
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					<p style="margin:0pt;text-align:right;font-family:Calibri;line-height:107.92%;font-size: 12pt">
						<font style="display: inline;font-size:12pt;">t</font><font style="display: inline;font-size:12pt;">im</font><font style="display: inline;font-size:12pt;">od</font><font style="display: inline;font-size:12pt;">ell@</font><font style="display: inline;font-size:12pt;">cfb</font><font style="display: inline;font-size:12pt;">ankmail.com</font></p>
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		</table></div>
		<p style="margin:0pt 0pt 8pt;font-family:Calibri;line-height:107.92%;font-size: 11pt">
			<font style="display: inline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 8pt;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">&#xFEFF;</font>
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		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-weight:bold;font-size:12pt;">CFBANK AND CONSUMERS NATIONAL BANK ENTER INTO AGREEMENT FOR CONSUMERS TO PURCHASE CFBANK&#x2019;S TWO COLUMBIANA COUNTY, OHIO BRANCHES</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">December 29, 2020</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">Worthington, Ohio and Minerva, Ohio:&nbsp;&nbsp;CFBank</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;"> National Association</font><font style="display: inline;font-size:12pt;"> (&#x201C;CFBank&#x201D;)</font><font style="display: inline;font-size:12pt;"> and </font><font style="display: inline;font-size:12pt;">Consumers National Bank </font><font style="display: inline;font-size:12pt;">(&#x201C;Consumers&#x201D;</font><font style="display: inline;font-size:12pt;">)</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">have announced the signing of a branch purchase and assumption agreement </font><font style="display: inline;font-size:12pt;">pursuant to which</font><font style="display: inline;font-size:12pt;"> Consumers will acquire the Wellsville, Ohio </font><font style="display: inline;font-size:12pt;">drive-up</font><font style="display: inline;font-size:12pt;"> branch</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">and </font><font style="display: inline;font-size:12pt;">the </font><font style="display: inline;font-size:12pt;">Calcutta, Ohio branch of CFBank. </font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">The purchase and assumption agreement provides for the transfer by </font><font style="display: inline;font-size:12pt;">CF</font><font style="display: inline;font-size:12pt;">Bank</font><font style="display: inline;font-size:12pt;"> to </font><font style="display: inline;font-size:12pt;">Consumers of</font><font style="display: inline;font-size:12pt;"> the land</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;"> buildings </font><font style="display: inline;font-size:12pt;">and other </font><font style="display: inline;font-size:12pt;">associated </font><font style="display: inline;font-size:12pt;">assets</font><font style="display: inline;font-size:12pt;"> of the two branches</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;"> approximately </font><font style="display: inline;font-size:12pt;">$</font><font style="display: inline;font-size:12pt;">100 </font><font style="display: inline;font-size:12pt;">million in deposits, </font><font style="display: inline;font-size:12pt;">and certain </font><font style="display: inline;font-size:12pt;">loans and other </font><font style="display: inline;font-size:12pt;">interest earning assets</font><font style="display: inline;font-size:12pt;">.&nbsp;&nbsp;In exchange, Consumers will pay to CFBank</font><font style="display: inline;font-size:12pt;"> the net book value of</font><font style="display: inline;font-size:12pt;"> the</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">land, building and associated</font><font style="display: inline;font-size:12pt;"> assets</font><font style="display: inline;font-size:12pt;"> of the branches</font><font style="display: inline;font-size:12pt;">, the par value of the earning assets,</font><font style="display: inline;font-size:12pt;"> and a deposit premium equal to </font><font style="display: inline;font-size:12pt;">1.75</font><font style="display: inline;font-size:12pt;">% of the average daily deposits for</font><font style="display: inline;font-size:12pt;"> the</font><font style="display: inline;font-size:12pt;"> 30 days preceding closing.</font><font style="display: inline;font-size:12pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">The purchase of the branches by </font><font style="display: inline;font-size:12pt;">Consumers </font><font style="display: inline;font-size:12pt;">is subject to regulatory approval and satisfaction of certain </font><font style="display: inline;font-size:12pt;">customary closing </font><font style="display: inline;font-size:12pt;">conditions. </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">The parties expect</font><font style="display: inline;font-size:12pt;"> to close on </font><font style="display: inline;font-size:12pt;">the purchase and sale</font><font style="display: inline;font-size:12pt;"> of the </font><font style="display: inline;font-size:12pt;">two CFBank </font><font style="display: inline;font-size:12pt;">branches in the </font><font style="display: inline;font-size:12pt;">second calendar</font><font style="display: inline;font-size:12pt;"> quarter</font><font style="display: inline;font-size:12pt;"> of 2021</font><font style="display: inline;font-size:12pt;">, at which point </font><font style="display: inline;font-size:12pt;">the branches</font><font style="display: inline;font-size:12pt;"> will be converted to operate </font><font style="display: inline;font-size:12pt;">as</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">Consumers</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">branch offices</font><font style="display: inline;font-size:12pt;">.</font><font style="display: inline;font-size:12pt;"> &nbsp; </font><font style="display: inline;font-size:12pt;">Consumers expects approximately 10% EPS accretion and to recover the initial approximately 2% tangible book value per share dilution in 1.75 years. </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">On a pro forma basis, Consumers&#x2019; total assets will approximate $850 million and </font>
		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;;font-size: 12pt"><font style="display: inline;font-size:12pt;">its capital ratios are projected to remain strong and supportive of continued balance sheet growth. </font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">&#x201C;</font><font style="display: inline;font-size:12pt;">The acquisition of these branches </font><font style="display: inline;font-size:12pt;">will strengthen </font><font style="display: inline;font-size:12pt;">our competitive position </font><font style="display: inline;font-size:12pt;">in </font><font style="display: inline;font-size:12pt;">Columbiana</font><font style="display: inline;font-size:12pt;"> County and </font><font style="display: inline;font-size:12pt;">will complement our four Jefferson County locations.</font><font style="display: inline;font-size:12pt;"> &nbsp;Consumers will hold approximately 12.5% of the </font><font style="display: inline;font-size:12pt;">Columbiana County </font><font style="display: inline;font-size:12pt;">deposit </font><font style="display: inline;font-size:12pt;">market share</font><font style="display: inline;font-size:12pt;">.</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">These locations will house commercial and mortgage lenders and will provide a full range of consumer and business services.&nbsp; </font><font style="display: inline;font-size:12pt;">We are excited that the </font><font style="display: inline;font-size:12pt;">current</font><font style="display: inline;font-size:12pt;"> retail employees</font><font style="display: inline;font-size:12pt;"> in Wellsville and Calcutta will help us serve the</font><font style="display: inline;font-size:12pt;"> region&#x2019;s consumer, small business, and agricultural communities.&nbsp; </font><font style="display: inline;font-size:12pt;">They, and their predecessors</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;"> have served the community since 1892.&nbsp; </font><font style="display: inline;font-size:12pt;">We look forward to them </font><font style="display: inline;font-size:12pt;">joining our team as we continue the community bank tradition in the region,</font><font style="display: inline;font-size:12pt;">&#x201D; said Ralph J. Lober II, Consumers</font><font style="display: inline;font-size:12pt;">&#x2019;</font><font style="display: inline;font-size:12pt;"> President and CEO.&nbsp; </font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">Tim O'Dell</font><font style="display: inline;font-size:12pt;">, &nbsp;</font><font style="display: inline;font-size:12pt;">President and CEO of CFBank, commented:</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;"> &#x201C;The divestiture of these two branches is </font><font style="display: inline;font-size:12pt;">consistent with our strategic business plan and the overarching objective to deploy capital into areas that yield the greatest opportunity to strengthen franchise value.&nbsp;&nbsp;The sale of the </font><font style="display: inline;font-size:12pt;">Columbiana County</font><font style="display: inline;font-size:12pt;"> branches allows us to gain greater efficiencies in our core markets and to focus our sales efforts in those communities.</font><font style="display: inline;font-size:12pt;"> &nbsp;CFBank traces our bank&#x2019;s founding to the Columbiana County region in 1892, and we will remain incredibly grateful to the people of this region for their loyal support extended to our bank for these many decades.&nbsp;&nbsp;&nbsp;However, we are pleased that Consumers Bank will be taking over the reins from CFBank to continue serving the banking needs of the Columbiana County region.&nbsp;&nbsp;Consumers Bank and its leadership highly value local communities and personal relationships in much the same way we do, and we are pleased and confident that our loyal CFBank employees and staff in Columbiana County will be in good hands, and the people of the Columbiana County region will continue to have their banking needs well served.</font><font style="display: inline;font-size:12pt;">"</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">Boenning &amp; Scattergood, Inc. </font><font style="display: inline;font-size:12pt;">and </font><font style="display: inline;font-size:12pt;">Vorys, Sater, Seymour and Pease LLP </font><font style="display: inline;font-size:12pt;">are </font><font style="display: inline;font-size:12pt;">act</font><font style="display: inline;font-size:12pt;">ing</font><font style="display: inline;font-size:12pt;"> as financial advisor </font><font style="display: inline;font-size:12pt;">and legal advisor</font><font style="display: inline;font-size:12pt;">, respectively,</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">to </font><font style="display: inline;font-size:12pt;">CFBank</font><font style="display: inline;font-size:12pt;">.</font><font style="display: inline;font-size:12pt;"> &nbsp; &nbsp;</font><font style="display: inline;font-size:12pt;">Piper Sandler </font><font style="display: inline;font-size:12pt;">&amp; &nbsp;</font><font style="display: inline;font-size:12pt;">Co</font><font style="display: inline;font-size:12pt;">.</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">and Tucker Ellis LLP </font><font style="display: inline;font-size:12pt;">are acting</font><font style="display: inline;font-size:12pt;"> as financial advisor </font><font style="display: inline;font-size:12pt;">and legal advisor, respectively</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">to Consumers</font><font style="display: inline;font-size:12pt;">.</font><font style="display: inline;font-size:12pt;"> &nbsp; </font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">
			<font style="display: inline;font-size:12pt;">About CFBank:&nbsp;&nbsp;CFBank, National Association is the wholly-owned national bank subsidiary of CF Bankshares Inc. (NASDAQ: CFBK), a financial holding company headquartered in Columbus, Ohio.&nbsp;&nbsp;&nbsp;CFBank, which has operated in Ohio since 1892, has a presence in four major Metro Ohio markets &#x2013; Columbus, Cleveland, Cincinnati and Akron markets &#x2013; as well as its two locations in Columbiana County, Ohio. </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">CFBank provides personalized Business Banking products and services including commercial loans and leases, commercial and residential real estate loans and treasury management depository services, corporate treasury management, residential lending, and full-service retail banking services and products. </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">In addition, CFBank also has a national residential lending platform.&nbsp;&nbsp;Additional information about CF Bankshares Inc. and CFBank is available at </font><font style="display: inline;font-size:12pt;">www.CFBankOnline.com</font><font style="display: inline;font-size:12pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;font-size: 12pt">

		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Calibri;line-height:107.92%;;font-size: 12pt"><font style="display: inline;font-size:12pt;">About Consumers National Bank:&nbsp;&nbsp;Consumers National Bank is </font><font style="display: inline;font-size:12pt;">the single bank subsidiary of Consumers Bancorp Inc (OTCQX: CBKM). </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">The </font><font style="display: inline;font-size:12pt;">$750 million asset</font><font style="display: inline;font-size:12pt;"> independent community bank provides a comprehensive line of banking and other investment services to business and personal customers through its main office in Minerva</font><font style="display: inline;font-size:12pt;">,</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">17 </font><font style="display: inline;font-size:12pt;">full-service </font><font style="display: inline;font-size:12pt;">branch</font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">locations throughout </font><font style="display: inline;font-size:12pt;">Carroll, </font><font style="display: inline;font-size:12pt;">Columbiana, </font><font style="display: inline;font-size:12pt;">Jefferson</font><font style="display: inline;font-size:12pt;">, Stark, and Summit counties, and </font><font style="display: inline;font-size:12pt;">its </font><font style="display: inline;font-size:12pt;">Wayne County loan production office.&nbsp; </font><font style="display: inline;font-size:12pt;">More information about Consumers National Bank can be accessed online at www.ConsumersBank.com. </font><font style="display: inline;font-size:12pt;">&nbsp;</font><font style="display: inline;font-size:12pt;">Member FDIC.</font>
		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr>
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