<SEC-DOCUMENT>0002000324-25-002774.txt : 20250814
<SEC-HEADER>0002000324-25-002774.hdr.sgml : 20250814
<ACCEPTANCE-DATETIME>20250814115542
ACCESSION NUMBER:		0002000324-25-002774
CONFORMED SUBMISSION TYPE:	SCHEDULE 13G
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250814
DATE AS OF CHANGE:		20250814

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
		EIN:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-55853
		FILM NUMBER:		251216097

	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:			Fourthstone LLC
		CENTRAL INDEX KEY:			0001767803
		ORGANIZATION NAME:           	
		EIN:				463780351
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G

	BUSINESS ADDRESS:	
		STREET 1:		575 MARYVILLE CENTRE DR.
		STREET 2:		SUITE 110
		CITY:			ST LOUIS
		STATE:			MO
		ZIP:			63141
		BUSINESS PHONE:		800-771-8071

	MAIL ADDRESS:	
		STREET 1:		575 MARYVILLE CENTRE DR.
		STREET 2:		SUITE 110
		CITY:			ST LOUIS
		STATE:			MO
		ZIP:			63141
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13G
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13G</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001767803</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <securitiesClassTitle>Common Stock, par value $.01 per share</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>06/30/2025</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0001070680</issuerCik>
        <issuerName>CF Bankshares Inc.</issuerName>
        <issuerCusip>12520L109</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>4960 East Dublin Granville Rd</com:street1>
          <com:street2>Ste. 400</com:street2>
          <com:city>Columbus</com:city>
          <com:stateOrCountry>OH</com:stateOrCountry>
          <com:zipCode>43081</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(b)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Fourthstone LLC</reportingPersonName>
      <citizenshipOrOrganization>DE</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>421191.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>421191.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>421191.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>8.07</classPercent>
      <typeOfReportingPerson>IA</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Fourthstone Master Opportunity Fund Ltd</reportingPersonName>
      <citizenshipOrOrganization>E9</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>331354.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>331354.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>331354.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>6.35</classPercent>
      <typeOfReportingPerson>OO</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>

      <reportingPersonName>Fourthstone GP LLC</reportingPersonName>
      <citizenshipOrOrganization>DE</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>89837.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>89837.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>89837.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>1.72</classPercent>
      <typeOfReportingPerson>OO</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Fourthstone QP Opportunity Fund LP</reportingPersonName>
      <citizenshipOrOrganization>DE</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>87590.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>87590.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>87590.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>1.68</classPercent>
      <typeOfReportingPerson>PN</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Fourthstone Small-Cap Financials Fund LP</reportingPersonName>
      <citizenshipOrOrganization>DE</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>2247.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>2247.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>2247.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>0.04</classPercent>
      <typeOfReportingPerson>PN</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>

      <reportingPersonName>L. Phillip Stone, IV</reportingPersonName>
      <citizenshipOrOrganization>X1</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>0</soleVotingPower>
        <sharedVotingPower>421191.00</sharedVotingPower>
        <soleDispositivePower>0</soleDispositivePower>
        <sharedDispositivePower>421191.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>421191.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <classPercent>8.07</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
      <comments>See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).</comments>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>CF Bankshares Inc.</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>4960 East Dublin Granville Rd, Ste. 400, Columbus, Ohio, 43081</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>This Schedule 13G is being filed by Fourthstone LLC, a Delaware Limited Liability Company and Investment Adviser ("Fourthstone"). The persons reporting information on this Schedule 13G include, in addition to Fourthstone, a company incorporated in the Cayman Islands ("Fourthstone Master Opportunity Fund"), a Delaware Limited Partnership ("Fourthstone QP Opportunity"), a Delaware Limited Partnership ("Fourthstone Small-Cap Financials"), a Delaware Limited Liability Company ("Fourthstone GP, " General Partner of Fourthstone QP Opportunity and Fourthstone Small-Cap Financials), and L. Phillip Stone, IV, a citizen of the United States of America, who is the Managing Member of Fourthstone and Fourthstone GP (each, a "Reporting Person" and, together, the "Reporting Persons"). Fourthstone directly holds 421,191 shares of Common Stock on behalf of its advisory clients. Each of the Reporting Persons listed in this filing certify the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the Issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that effect.</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>The principal business address of each of the Reporting Persons is as follows: The registered office of Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd., Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP is 575 Maryville Centre Drive, Suite 110, St. Louis, MO 63141.</principalBusinessOfficeOrResidenceAddress>
        <citizenship>See response to Item 4 of each of the cover pages.</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>N</notApplicableFlag>
        <typeOfPersonFiling>IA</typeOfPersonFiling>
        <typeOfPersonFiling>HC</typeOfPersonFiling>
      </item3>
      <item4>
        <amountBeneficiallyOwned>Fourthstone LLC acquired the Issuer's shares in the ordinary course of business as a registered investment adviser and not with the purpose nor with the effect of influencing the control of the Issuer. Fourthstone GP LLC is the general partner of and may be deemed to beneficially own securities owned by Fourthstone QP Opportunity Fund LP and Fourthstone Small-Cap Financials Fund LP. L. Phillip Stone, IV, is the Managing Member of Fourthstone LLC and Fourthstone GP and may be deemed to beneficially own securities owned by Fourthstone.The percentages reported in Row 11 of each cover page are based on 5,219,630 shares of Common Stock (as defined below) of the Issuer (as defined below) outstanding based on the Issuer's Form 10-Q filed with the SEC on May 12, 2025.</amountBeneficiallyOwned>
        <classPercent>8.07</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>See responses to Item 5 on each cover page.</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>See responses to Item 6 on each cover page.</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>See responses to Item 7 on each cover page.</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>See responses to Item 8 on each cover page.</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>Y</notApplicableFlag>
      </item5>
      <item6>
        <notApplicableFlag>Y</notApplicableFlag>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>Y</notApplicableFlag>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>N</notApplicableFlag>
        <certifications>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.</certifications>
      </item10>
    </items>
    <signatureInformation>
      <reportingPersonName>Fourthstone LLC</reportingPersonName>
      <signatureDetails>
        <signature>Amy M. Stone</signature>
        <title>Chief Executive Officer</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Fourthstone Master Opportunity Fund Ltd</reportingPersonName>
      <signatureDetails>
        <signature>Amy M. Stone</signature>
        <title>Chief Executive Officer</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Fourthstone GP LLC</reportingPersonName>
      <signatureDetails>
        <signature>L. Phillip Stone, IV</signature>
        <title>Managing Member of Fourthstone GP LLC</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Fourthstone QP Opportunity Fund LP</reportingPersonName>
      <signatureDetails>
        <signature>Amy M. Stone</signature>
        <title>Chief Executive Officer</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Fourthstone Small-Cap Financials Fund LP</reportingPersonName>
      <signatureDetails>
        <signature>Amy M. Stone</signature>
        <title>Chief Executive Officer</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>L. Phillip Stone, IV</reportingPersonName>
      <signatureDetails>
        <signature>L. Phillip Stone, IV</signature>
        <title>Self, Principal owner of Fourthstone LLC</title>
        <date>08/14/2025</date>
      </signatureDetails>
    </signatureInformation>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
