Core Insights - CF Bankshares Inc. reported a net income of $5.7 million for Q4 2025, a significant increase from $2.3 million in Q3 2025 and $4.4 million in Q4 2024, indicating strong financial performance [4][10][14] - The company declared a cash dividend of $0.09 per share on common stock and $9.00 per share on Series D Preferred Stock, reflecting a commitment to returning value to shareholders [3] Financial Performance - Net income for the year ended December 31, 2025, totaled $17.5 million, representing a 31% increase compared to $13.4 million in 2024 [10][14] - Pre-provision, pre-tax net revenue (PPNR) for Q4 2025 was $8.0 million, up from $7.8 million in Q3 2025 and $6.5 million in Q4 2024, while the annual PPNR reached $29.8 million, a 30% increase from 2024 [9][10][14] - The efficiency ratio improved to 49.2% for Q4 2025, down from 53.2% in Q4 2024, indicating enhanced operational efficiency [14] Net Interest Income and Margin - Net interest income for Q4 2025 was $14.3 million, a 3.9% increase from $13.8 million in Q3 2025 and a 14.3% increase from $12.5 million in Q4 2024 [11][14] - The net interest margin (NIM) for Q4 2025 was 2.85%, up 9 basis points from Q3 2025 and 28 basis points from Q4 2024 [12][14] Loan and Deposit Growth - Total loans and leases increased to $1.7 billion as of December 31, 2025, reflecting a 0.6% increase from the prior quarter and a 1.0% increase from the previous year [21][22] - Deposits totaled $1.78 billion at December 31, 2025, a slight increase of 0.1% from the prior quarter and a 1.4% increase from the previous year [30][31] Asset Quality - Nonaccrual loans increased to $15.3 million, or 0.87% of total loans, as of December 31, 2025, up from $10.0 million in Q3 2025 [25] - The allowance for credit losses on loans and leases was $17.7 million, representing 1.01% of total loans, compared to 0.97% in Q3 2025 [27] Capital Position - Stockholders' equity increased to $184.4 million as of December 31, 2025, a 2.9% increase from the prior quarter and a 9.5% increase from the previous year [33] - The Tier 1 Leverage ratio stood at 11.40% and the Total Capital ratio at 15.02%, indicating a strong capital position [14]