<SEC-DOCUMENT>0000950170-25-020084.txt : 20250213
<SEC-HEADER>0000950170-25-020084.hdr.sgml : 20250213
<ACCEPTANCE-DATETIME>20250213175353
ACCESSION NUMBER:		0000950170-25-020084
CONFORMED SUBMISSION TYPE:	SCHEDULE 13D/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250213
DATE AS OF CHANGE:		20250213

SUBJECT COMPANY:	

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

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-55853
		FILM NUMBER:		25622002

	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

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Cochran Edward W
		CENTRAL INDEX KEY:			0001557204
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A

	MAIL ADDRESS:	
		STREET 1:		2923 SMITH ROAD
		CITY:			FAIRLAWN
		STATE:			OH
		ZIP:			44333
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13D/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13D" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <headerData>
    <submissionType>SCHEDULE 13D/A</submissionType>
    <previousAccessionNumber>0001193125-24-035381</previousAccessionNumber>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001557204</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>10</amendmentNo>
      <securitiesClassTitle>COMMON STOCK</securitiesClassTitle>
      <dateOfEvent>02/14/2025</dateOfEvent>
      <previouslyFiledFlag>false</previouslyFiledFlag>
      <issuerInfo>
        <issuerCIK>0001070680</issuerCIK>
        <issuerCUSIP>12520L109</issuerCUSIP>
        <issuerName>CF BANKSHARES INC.</issuerName>
        <address>
          <street1 xmlns="http://www.sec.gov/edgar/common">4960 E. Dublin Granville Rd.</street1>
          <street2 xmlns="http://www.sec.gov/edgar/common">Suite #400</street2>
          <city xmlns="http://www.sec.gov/edgar/common">Columbus</city>
          <stateOrCountry xmlns="http://www.sec.gov/edgar/common">OH</stateOrCountry>
          <zipCode xmlns="http://www.sec.gov/edgar/common">43081</zipCode>
        </address>
      </issuerInfo>
      <authorizedPersons>
        <notificationInfo>
          <personName>Edward W. Cochran</personName>
          <personPhoneNum>(216) 751-5546</personPhoneNum>
          <personAddress>
            <street1 xmlns="http://www.sec.gov/edgar/common">20030 Marchmont Rd.</street1>
            <city xmlns="http://www.sec.gov/edgar/common">Shaker Heights</city>
            <stateOrCountry xmlns="http://www.sec.gov/edgar/common">OH</stateOrCountry>
            <zipCode xmlns="http://www.sec.gov/edgar/common">44122</zipCode>
          </personAddress>
        </notificationInfo>
      </authorizedPersons>
    </coverPageHeader>
    <reportingPersons>
      <reportingPersonInfo>
        <reportingPersonCIK>0001557204</reportingPersonCIK>
        <reportingPersonNoCIK>N</reportingPersonNoCIK>
        <reportingPersonName>Edward W. Cochran</reportingPersonName>
        <fundType>PF</fundType>
        <legalProceedings>N</legalProceedings>
        <citizenshipOrOrganization>X1</citizenshipOrOrganization>
        <soleVotingPower>346913</soleVotingPower>
        <sharedVotingPower>0</sharedVotingPower>
        <soleDispositivePower>346913</soleDispositivePower>
        <sharedDispositivePower>0</sharedDispositivePower>
        <aggregateAmountOwned>346913</aggregateAmountOwned>
        <isAggregateExcludeShares>N</isAggregateExcludeShares>
        <percentOfClass>6.77</percentOfClass>
        <typeOfReportingPerson>IN</typeOfReportingPerson>
      </reportingPersonInfo>
    </reportingPersons>
    <items1To7>
      <item1>
        <securityTitle>COMMON STOCK</securityTitle>
        <issuerName>CF BANKSHARES INC.</issuerName>
        <issuerPrincipalAddress>
          <street1 xmlns="http://www.sec.gov/edgar/common">4960 E. Dublin Granville Rd.</street1>
          <street2 xmlns="http://www.sec.gov/edgar/common">Suite #400</street2>
          <city xmlns="http://www.sec.gov/edgar/common">Columbus</city>
          <stateOrCountry xmlns="http://www.sec.gov/edgar/common">OH</stateOrCountry>
          <zipCode xmlns="http://www.sec.gov/edgar/common">43081</zipCode>
        </issuerPrincipalAddress>
      </item1>
      <item2>
        <filingPersonName>Edward W. Cochran</filingPersonName>
        <principalBusinessAddress>20030 Marchmont Rd., Shaker Heights, Ohio 44122</principalBusinessAddress>
        <principalJob>Self-Employed Attorney</principalJob>
        <hasBeenConvicted>No</hasBeenConvicted>
        <convictionDescription>No</convictionDescription>
        <citizenship>United States</citizenship>
      </item2>
      <item3>
        <fundsSource>Personal Funds in the aggregate amount of $2,300,000</fundsSource>
      </item3>
      <item4>
        <transactionPurpose>Private Investment</transactionPurpose>
      </item4>
      <item5>
        <percentageOfClassSecurities>The 346,913 shares of Common Stock represents 6.77% of outstanding voting Common Stock of CF Bankshares Inc., calculated based on 5,125,885 shares of voting Common Stock outstanding as of November 8, 2024 (as reported in the most recent Quarterly Report on Form 10-Q of CF Bankshares Inc.).</percentageOfClassSecurities>
        <numberOfShares>The Reporting Person has sole voting and dispositive power with respect to all 346,913 shares of Common Stock.</numberOfShares>
        <transactionDesc>None</transactionDesc>
        <listOfShareholders>None</listOfShareholders>
        <date5PercentOwnership>Not Applicable</date5PercentOwnership>
      </item5>
      <item6>
        <contractDescription>None</contractDescription>
      </item6>
      <item7>
        <filedExhibits>None</filedExhibits>
      </item7>
    </items1To7>
    <signatureInfo>
      <signaturePerson>
        <signatureReportingPerson>Edward W. Cochran</signatureReportingPerson>
        <signatureDetails>
          <signature>/s/ Edward W. Cochran</signature>
          <title>Edward W. Cochran/Individual</title>
          <date>02/14/2025</date>
        </signatureDetails>
      </signaturePerson>
    </signatureInfo>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
