Insider Trading Arrangements

3 Months Ended

Sep. 30, 2026

(c)

On August 10, 2026, Timothy T. O’Dell, Chief Executive Officer, President and a director of the Holding Company and Chief Executive Officer and a director of CFBank, terminated his trading plan adopted on May 13, 2026. On September 8, 2026, Timothy T. O’Dell, Chief Executive Officer, President and a director of the Holding Company and Chief Executive

Officer and a director of CFBank, adopted a new trading plan for estate and financial planning purposes. The plan is intended to satisfy the affirmative defense under Rule 10b5-1(c) of the Exchange Act. Mr. O'Dell currently holds an aggregate of 305,972 shares of CF Bankshares Inc. (Voting) Common Stock. Information regarding the terminated plan and the new plan is provided in the table.


Name & Title	Date Adopted	Character of Trading Arrangement	Aggregate Number of Shares of (Voting) Common Stock to Purchased or Sold Pursuant to Trading Arrangement	Duration (1)	Date Terminated
Timothy T. O'Dell Director, CEO and President of the Holding Company and Director and CEO of CFBank	May 13, 2026	Rule 10b5-1 Trading Arrangement	Sale of up to 60,000 shares (2)	June 30, 2027	August 10, 2026
Timothy T. O'Dell Director, CEO and President of the Holding Company and Director and CEO of CFBank	September 8, 2026	Rule 10b5-1 Trading Arrangement	Sale of up to 70,000 shares (3)	September 30, 2027	N/A

(1)

Each trading arrangement permitted or permits transactions through and including the earlier to occur of (a) the completion of all sales or (b) the date listed in the table.

(2)

No shares were sold pursuant to the trading plan prior to termination.

(3)

Sales in each quarter are limited as follows:

Quarter ending December 31, 2026: 15,000 shares

Quarters ending March 31, 2027 and June 30, 2027: 20,000 shares (plus any shares unsold in previous quarters)

Quarter ending September 30, 2027: 15,000 shares (plus any shares unsold in previous quarters)

Timothy T. O'Dell [Member]

Trading Arrangements, by Individual

Name

Timothy T. O’Dell

Adoption Date

May 13, 2026. On September 8, 2026, Timothy T. O’Dell, Chief Executive Officer, President and a director of the Holding Company and Chief Executive Officer and a director of CFBank, adopted a new trading plan for estate and financial planning purposes. The plan is intended to satisfy the affirmative defense under Rule 10b5-1(c) of the Exchange Act. Mr. O'Dell currently holds an aggregate of 305,972 shares of CF Bankshares Inc. (Voting) Common Stock. Information regarding the terminated plan and the new plan is provided in the table.

Rule 10b5-1 Arrangement Terminated

true

Non-Rule 10b5-1 Arrangement Terminated

false

Termination Date

August 10, 2026

Sale of up to 60,000 shares [Member] | Timothy T. O'Dell [Member]

Trading Arrangements, by Individual

Name

Timothy T. O'Dell

Title

Director, CEO and President of the Holding Company and Director and CEO of CFBank