CF Bankshares Inc. is a bank holding company for CFBank, a nationally chartered community bank that provides comprehensive commercial and retail banking services to closely held businesses, entrepreneurs, and consumers across five metropolitan areas in Ohio and Indiana. The bank generates revenue primarily from interest and fees on its diversified loan portfolio—anchored by commercial real estate and multi-family loans, single-family residential mortgages, and commercial equipment and working-capital lending—as well as noninterest income from loan sales and treasury management services. CFBank differentiates itself through personalized relationship banking, direct access to decision-makers, and streamlined underwriting that serves regional markets without the bureaucratic complexity of larger institutions, funding its operations through retail and business deposits and other wholesale funding sources.