<SEC-DOCUMENT>0001070680-21-000002.txt : 20210128
<SEC-HEADER>0001070680-21-000002.hdr.sgml : 20210128
<ACCEPTANCE-DATETIME>20210128090450
ACCESSION NUMBER:		0001070680-21-000002
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20210128
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210128
DATE AS OF CHANGE:		20210128

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:		21562205

	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-20210128x8k.htm
<DESCRIPTION>8-K
<TEXT>
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			8-k cover page Stock repurchase
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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;">January 28</font><font style="display: inline;font-weight:bold;font-size:10pt;">, 2021</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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						<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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					<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;">(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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			<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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			</tr>
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				<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;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">Item </font><font style="display: inline;font-weight:bold;font-size:10pt;">8.01</font><font style="display: inline;font-weight:bold;font-size:10pt;">.&nbsp; </font><font style="display: inline;font-weight:bold;font-size:10pt;">Other Events</font><font style="display: inline;font-weight:bold;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-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-bottom:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">On January 27, 2021, the Board of Directors of CF Bankshares Inc. (the &#x201C;Company) authorized a new stock repurchase program pursuant to which the Company may repurchase up to 250,000 of the Company&#x2019;s outstanding common stock on or before February 27, 2022.&nbsp;&nbsp;Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions.&nbsp;&nbsp;Open market repurchases will be made in accordance with applicable securities laws and regulations, including Rule 10b-18 under the Securities Exchange Act of 1934, as amended (the &#x201C;Exchange Act&#x201D;), and may be effected pursuant to Rule 10b5-1 under the Exchange Act.&nbsp;&nbsp;The manner, timing and amount of any stock repurchases will be determined by the Company&#x2019;s management in its discretion based on its evaluation of various factors, including the trading price of the Company&#x2019;s common stock, market and economic conditions, regulatory requirements and other corporate considerations.&nbsp;&nbsp;The repurchase program may be suspended or discontinued at any time. </font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;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;border-top:1pt none #D9D9D9 ;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">A copy of the press release issued by the Company on January 28, 2021, announcing the new stock repurchase program 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-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 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>
				<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;font-family:Times New Roman;font-size: 12pt">
						&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;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td colspan="2" valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:427.50pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 6pt 39.75pt;text-indent: -39.75pt;font-family:Times New Roman;font-size: 10pt">
						<a href="cfbk-20210128xex99_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-20210128xex99_1.htm" style="-sec-extract:exhibit"><font style="display: inline;font-size:10pt;">Press Release issued by the Company on January 28, 2021, announcing stock repurchase program</font></a><font style="display: inline;font-size:10pt;">.</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>
				<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;font-family:Times New Roman;font-size: 12pt">
						&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;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td colspan="2" valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:427.50pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 6pt 39.75pt;text-indent: -39.75pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
			</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: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>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
			</tr>
		</table></div>
		<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%">

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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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						&nbsp;</p>
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						<font style="display: inline;font-size:10pt;">CF Bankshares Inc</font><font style="display: inline;font-size:10pt;">.</font></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;">January 28</font><font style="display: inline;font-size:10pt;">, 2021</font></p>
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						<font style="display: inline;font-size:10pt;">By:</font></p>
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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;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Kevin J. Beerman</font></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-20210128xex99_1.htm
<DESCRIPTION>EX-99.1
<TEXT>
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		<title>
			Exhibit 991 Stock Repurchase program
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	<body><div style="margin-left:54pt;margin-right:54pt;"><div style="width:100%">

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

			<font style="display: inline;font-weight:bold;">Exhibit 99.1</font>

		</p>

</div>
		<p style="margin:0pt;line-height:normal;text-align:right;font-family:Times New Roman;font-size: 11pt">
			<font style="font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font>
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		<p style="margin:0pt -54pt 0pt 0pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;"><img src="cfbk-20210128xex99_1g001.jpg" style="width: 3.228472in; height: 0.5in" alt="Picture 3"></font>
		</p>
		<p style="margin:0pt 0pt 0pt 67.5pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-weight:bold;">Parent of CFBank</font><font style="display: inline;font-weight:bold;">, NA</font>
		</p>
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						&nbsp;</p>
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						<font style="display: inline;font-weight:bold;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;">PRESS RELEASE</font></p>
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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-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:158.40pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-weight:bold;font-style:italic;font-size:10pt;">FOR IMMEDIATE RELEASE:</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:320.40pt;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;">January </font><font style="display: inline;font-size:10pt;">28</font><font style="display: inline;font-size:10pt;">, 2021</font></p>
				</td>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-weight:bold;font-size:10pt;">For Further Information:</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:320.40pt;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;">Timothy T. O'Dell, President &amp; CEO</font></p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Phone:&nbsp;&nbsp;614.</font><font style="display: inline;font-size:10pt;">318</font><font style="display: inline;font-size:10pt;">.</font><font style="display: inline;font-size:10pt;">4660</font></p>
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						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Email: timodell@cfbankmail.com</font></p>
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		</table></div>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&#xFEFF;</font>
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		<p style="margin:0pt 4.5pt 0pt 0pt;text-decoration:none;font-family:Times New Roman;font-size: 10pt">
			<font style="color:#0000FF;display: inline;font-weight:bold;color:#000000;font-size:10pt;text-decoration:none;">CF BANKSHARES INC.</font><font style="color:#0000FF;display: inline;font-weight:bold;color:#000000;font-size:10pt;text-decoration:none;"> ANNOUNCES</font><font style="color:#0000FF;display: inline;font-weight:bold;color:#000000;font-size:10pt;text-decoration:none;"> STOCK REPURCHASE PROGRAM</font><font style="color:#0000FF;display: inline;font-weight:bold;color:#000000;font-size:10pt;text-decoration:none;">&nbsp;</font>
		</p>
		<p style="margin:0pt 4.5pt 0pt 0pt;text-decoration:none;font-family:Times New Roman;font-size: 10pt">
			<font style="color:#0000FF;display: inline;font-weight:bold;color:#000000;font-size:10pt;text-decoration:none;">&#xFEFF;</font>
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		<p style="margin:0pt 4.5pt 0pt 0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">Columbus, </font><font style="display: inline;font-weight:bold;font-size:10pt;">Ohio &#x2013; </font><font style="display: inline;font-weight:bold;font-size:10pt;">January </font><font style="display: inline;font-weight:bold;font-size:10pt;">28</font><font style="display: inline;font-weight:bold;font-size:10pt;">, 202</font><font style="display: inline;font-weight:bold;font-size:10pt;">1</font><font style="display: inline;font-size:10pt;"> &#x2013; </font><font style="display: inline;font-size:10pt;">CF Bankshares Inc. </font><font style="display: inline;font-size:10pt;">(NASDAQ: CFBK) (the &#x201C;Company&#x201D;) the parent of CFBank, announced that </font><font style="display: inline;font-size:10pt;">the Board of Directors of CF Bankshares Inc. (the &#x201C;Company) authorized a new stock repurchase program pursuant to which the Company may repurchase up to 250,000 of the Company&#x2019;s outstanding common stock on or before February 27, 2022.&nbsp;&nbsp;Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions.&nbsp;&nbsp;Open market repurchases will be made in accordance with applicable securities laws and regulations, including Rule 10b-18 under the Securities Exchange Act of 1934, as amended (the &#x201C;Exchange Act&#x201D;), and may be effected pursuant to Rule 10b5-1 under the Exchange Act.&nbsp;&nbsp;The manner, timing and amount of any stock repurchases will be determined by the Company&#x2019;s management in its discretion based on its evaluation of various factors, including the trading price of the Company&#x2019;s common stock, market and economic conditions, regulatory requirements and other corporate considerations.&nbsp;&nbsp;The repurchase program may be suspended or discontinued at any time.</font>
		</p>
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			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Timothy T. O&#x2019;Dell, President and CEO, commented &#x201C;We believe our stock is a good value, and the Board&#x2019;s approval of this stock repurchase program reflects confidence in our Company&#x2019;s intrinsic value. Repurchasing stock underscores our commitment&nbsp;&nbsp;to enhancing shareholder value and demonstrates confidence in our business model.&#x201D;</font>
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			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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		<p style="margin:0pt 0pt 8pt;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;">About </font><font style="display: inline;font-weight:bold;font-size:10pt;">CF Bankshares Inc.</font><font style="display: inline;font-weight:bold;font-size:10pt;"> and CFBank</font>
		</p>
		<p style="margin:0pt 0pt 8pt;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;">&nbsp;</font><font style="display: inline;font-size:10pt;">is a financial holding company that owns 100% of the stock of CFBank, National Association (CFBank). CFBank is a boutique Commercial bank headquartered in Columbus, Ohio. CFBank has focused on bettering the Ohio economy and serving the financial needs of closely held businesses since 1892. Over a century has passed, and yet, our focus remains the same: guide fellow Ohioans to financial stability and success with agility, ease, and care. CFBank grew from a Federal Savings Association to a National Bank in December of 2016. As CFBank has expanded, we</font><font style="display: inline;font-size:10pt;"> have</font><font style="display: inline;font-size:10pt;"> maintained our penchant for individualized service and direct customer access to decision makers. CFBank now has locations in four major metro Ohio markets - Columbus, Cleveland, Cincinnati, and Akron, as well as branch locations in Columbiana Country (two locations).&nbsp;&nbsp;In every location, CFBank provides commercial loans and leases, commercial and residential real estate loans and treasury management depository services, corporate treasury management, residential lending, and full</font><font style="display: inline;font-size:10pt;">-</font><font style="display: inline;font-size:10pt;">service retail banking services and products. In addition, CFBank also has a national residential lending platform.&nbsp;&nbsp;CFBank is also glad to offer its clients the convenience of online internet banking, mobile banking, and remote deposit.</font>
		</p>
		<p style="margin:0pt 0pt 8pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Additional information about the Company and CFBank is available at </font><font style="display: inline;font-size:10pt;">www.CFBankOnline.com</font>
		</p>
		<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">FORWARD LOOKING STATEMENTS</font>
		</p>
		<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">This </font><font style="display: inline;font-size:10pt;">press</font><font style="display: inline;font-size:10pt;"> release and other materials we have filed or may file with the Securities and Exchange Commission (&#x201C;SEC&#x201D;) contain or may contain forward-looking statements within the meaning of the safe harbor provisions of the U.S. Private Securities Reform Act of 1995, which are made in good faith by us.&nbsp;&nbsp;Forward-looking statements include, but are not limited to: (1) projections of revenues, income or loss, earnings or loss per common share, capital structure and other financial items; (2) plans and objectives of the management or Boards of Directors of CF Bankshares Inc. or CFBank; (3) statements </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;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;font-size:10pt;">regarding future events, actions or economic performance; and (4) statements of assumptions underlying such statements.&nbsp;&nbsp;Words such as "estimate," "strategy," "may," "believe," "anticipate," "expect," "predict," "will," "intend," "plan," "targeted," and the negative of these terms, or similar expressions, are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements.&nbsp;&nbsp;Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements, including, without limitation, impacts from the ongoing COVID-19 pandemic on local, national and global economic conditions in general and on our industry and business in particular, including adverse impacts on our customer&#x2019;s operations, financial condition and ability to repay loans, changes in interest rates or disruptions in the mortgage market, and the effects of various governmental responses to the pandemic, including stimulus packages and programs;&nbsp;&nbsp;potential litigation or other risks related to participating in the U.S. Small Business Administration Paycheck Protection Program; </font><font style="display: inline;font-size:10pt;">uncertainty regarding the impact of changes in the U.S. presidential administration and Congress&nbsp;&nbsp;on the regulatory landscape, capital markets and responses to the COVID-19 pandemic; </font><font style="display: inline;font-size:10pt;">and those additional risks detailed from time to time in our reports filed with the SEC, including those identified in &#x201C;Item 1A.&nbsp;&nbsp;Risk Factors&#x201D; of Part I of our Annual Report on Form 10-K filed with SEC for the year ended December 31, 2019, and in &#x201C;Item 1A. Risk Factors&#x201D; of Part II of our Quarterly Report</font><font style="display: inline;font-size:10pt;">s</font><font style="display: inline;font-size:10pt;"> on Form 10-Q filed with the SEC for the quarter</font><font style="display: inline;font-size:10pt;">s</font><font style="display: inline;font-size:10pt;"> ended March 31, 2020</font><font style="display: inline;font-size:10pt;">, June 30, 2020, and</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">September 30, 2020</font><font style="display: inline;font-size:10pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Forward-looking statements are not guarantees of performance or results.&nbsp;&nbsp;A forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement.&nbsp; </font><font style="display: inline;font-size:10pt;">We</font><font style="display: inline;font-size:10pt;"> believe</font><font style="display: inline;font-size:10pt;"> that we have</font><font style="display: inline;font-size:10pt;"> chosen these assumptions or bases in good faith and that they are reasonable.&nbsp;&nbsp;We caution you, however, that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material.&nbsp;&nbsp;The forward-looking statements included in this </font><font style="display: inline;font-size:10pt;">press</font><font style="display: inline;font-size:10pt;"> release speak only as of the date hereof.&nbsp;&nbsp;We undertake no obligation to publicly release revisions to any forward-looking statements to reflect events or circumstances after the date of such statements, except to the extent required by law.</font><font style="display: inline;font-size:10pt;">&nbsp;</font>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
