<SEC-DOCUMENT>0000950170-25-045171.txt : 20250326
<SEC-HEADER>0000950170-25-045171.hdr.sgml : 20250326
<ACCEPTANCE-DATETIME>20250326155524
ACCESSION NUMBER:		0000950170-25-045171
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20250324
FILED AS OF DATE:		20250326
DATE AS OF CHANGE:		20250326

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ASH THOMAS P
		CENTRAL INDEX KEY:			0001203168
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		25773004

	MAIL ADDRESS:	
		STREET 1:		GRAND CENTRAL FINANCIAL CORP
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CF BANKSHARES INC.
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		4960 EAST DUBLIN GRANVILLE RD, SUITE 400
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43081
		BUSINESS PHONE:		6143347979

	MAIL ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		4960 EAST DUBLIN GRANVILLE RD, SUITE 400
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43081

	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>ownership.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2025-03-24</periodOfReport>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001203168</rptOwnerCik>
            <rptOwnerName>ASH THOMAS P</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>4960 E. DUBLIN GRANVILLE RD</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE #400</rptOwnerStreet2>
            <rptOwnerCity>COLUMBUS</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43081</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>true</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>false</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>false</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock 12520L 109</value>
                <footnoteId id="F1"/>
            </securityTitle>
            <transactionDate>
                <value>2025-03-24</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>4000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>47219</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>

    <ownerSignature>
        <signatureName>Timothy T. O'Dell for Thomas P. Ash</signatureName>
        <signatureDate>2025-03-26</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
