<SEC-DOCUMENT>0001104659-21-005939.txt : 20210120
<SEC-HEADER>0001104659-21-005939.hdr.sgml : 20210120
<ACCEPTANCE-DATETIME>20210120184034
ACCESSION NUMBER:		0001104659-21-005939
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20210115
FILED AS OF DATE:		20210120
DATE AS OF CHANGE:		20210120

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Pietrzak John
		CENTRAL INDEX KEY:			0001481798

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		21539927

	MAIL ADDRESS:	
		STREET 1:		WEST COAST BANCORP
		STREET 2:		5335 MEADOWS ROAD, SUITE 201
		CITY:			LAKE OSWEGO
		STATE:			OR
		ZIP:			97035

ISSUER:		

	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

	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>4
<SEQUENCE>1
<FILENAME>a4.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0306</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2021-01-15</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001070680</issuerCik>
        <issuerName>CF BANKSHARES INC.</issuerName>
        <issuerTradingSymbol>CFBK</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001481798</rptOwnerCik>
            <rptOwnerName>Pietrzak John</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O CF BANKSHARES INC.</rptOwnerStreet1>
            <rptOwnerStreet2>7000 NORTH HIGH STREET</rptOwnerStreet2>
            <rptOwnerCity>WORTHINGTON</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43085</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock 12520L 109</value>
            </securityTitle>
            <transactionDate>
                <value>2021-01-15</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>3840</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5490</value>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnote</value>
                    <footnoteId id="F3"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock 12520L 109</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>100</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan on January 15, 2021, which are subject to vesting over a three-year period.</footnote>
        <footnote id="F2">Includes 1,650 restricted stock awards previously granted under the Central Federal Corporation 2019 Equity Incentive Plan in December 2019, which are subject to vesting over a three-year period from the date of grant.</footnote>
        <footnote id="F3">All restricted stock awards were issued to Castle Creek Advisors IV LLC (&quot;Advisors IV&quot;), on behalf of John Pietrzak in his capacity as a member of the Board of Directors of the Issuer. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest in Advisors IV, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.</footnote>
    </footnotes>

    <remarks>The reporting person is a managing principal of Castle Creek Capital VII LLC (&quot;CCC VII&quot;), the sole general partner of Castle Creek Capital Partners VII, LP (&quot;Fund VII&quot;). As of January 20, 2021, Fund VII owned 531,299 shares of the Issuer's common stock (the &quot;Fund VII Shares&quot;). The reporting person does not presently have beneficial ownership (as defined in Rule 13d-3 under the Act) of the Fund VII shares. As such, the Fund VII Shares are not included in this Form 4.</remarks>

    <ownerSignature>
        <signatureName>/S/ JOHN PIETRZAK</signatureName>
        <signatureDate>2021-01-20</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
