<SEC-DOCUMENT>0001209191-22-032473.txt : 20220527
<SEC-HEADER>0001209191-22-032473.hdr.sgml : 20220527
<ACCEPTANCE-DATETIME>20220527152659
ACCESSION NUMBER:		0001209191-22-032473
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220525
FILED AS OF DATE:		20220527
DATE AS OF CHANGE:		20220527

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Royer David L
		CENTRAL INDEX KEY:			0001746421

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		22976515

	MAIL ADDRESS:	
		STREET 1:		7000 N HIGH STREET
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085

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>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0306</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2022-05-25</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001746421</rptOwnerCik>
            <rptOwnerName>Royer David L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>7000 N HIGH STREET</rptOwnerStreet1>
            <rptOwnerStreet2></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>
                <footnoteId id="F1"/>
            </securityTitle>
            <transactionDate>
                <value>2022-05-25</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2508</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>24698</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Timothy T. O'Dell for David L. Royer</signatureName>
        <signatureDate>2022-05-27</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>2
<FILENAME>poa.txt
<DESCRIPTION>POA DOCUMENT
<TEXT>
Exhibit 24
CONFIRMING STATEMENT


This Confirming Statement confirms that the undersigned, David L. Royer, has
authorized and designated Timothy T. O'Dell to execute and file on the
undersigned's behalf all Forms 3, 4, and 5 (including any amendments thereto)
that the undersigned may be required to file with the United States Securities
and Exchange Commission as a result of the undersigned's ownership of or
transactions in securities of Central Federal Corporation, a Delaware
corporation (the "Corporation").  The authority of Mr. O'Dell under this
Statement shall continue until the undersigned is no longer required to file
Forms 3, 4, and 5 with regard to his ownership of or transactions in securities
of the Corporation, unless earlier revoked in writing.  The undersigned
acknowledges that Mr. O'Dell is not assuming any of the undersigned's
responsibilities to comply with Section 16 of the Securities Exchange Act of
1934.

Date: July 5, 2018

						/s/ David L. Royer							David L. Royer

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
