Amendment to Statement of Changes in Beneficial Ownership (Form 4/A)

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * O'Dell Timothy T 2. Issuer Name and Ticker or Trading Symbol CF BANKSHARES INC. [CFBK] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) CEO (Last) (First) (Middle) 4960 E. DUBLIN GRANVILLE RD, SUITE #400 3. Date of Earliest Transaction (Month/Day/Year) 02/23/2026 (Street) COLUMBUS, OH 43081 4. If Amendment, Date Original Filed (Month/Day/Year) 02/25/2026 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 12520L 109(1) 02/23/2026 A 12,750(2) A $ 0 302,871 D Common Stock 12520L 109 4,579 I Colleen O'Dell - Custodian for Sarah F. O'Dell Common Stock 12520L 109 5,454 I Colleen O'Dell - Spouse

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
O'Dell Timothy T 4960 E. DUBLIN GRANVILLE RD SUITE #400 COLUMBUS, OH 43081	X		CEO

Signatures

Timothy T. O'Dell		03/25/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Represents shares of common stock underlying restricted stock awards granted under the CF Bankshares Inc. 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.
(2)	This amendment is being filed to report that in consideration of the total of compensation received for 2024 & 2025 performance, Timothy T. O'Dell voluntarily declined to accept 5,250 of the 18,000 shares of restricted stock granted to him on February 23, 2026 under the CF Bankshares Inc. 2019 Equity Incentive Plan and reported on a Form 4 filed on February 25, 2026. As a result, Mr. O'Dell was deemed never to have acquired the 5,250 shares of restricted stock. The award of restricted stock for the 5,250 shares was cancelled for no value, and Mr. O'Dell received no compensation in connection with the cancellation. After deducting the cancelled shares of restricted stock, the number of shares of common stock beneficially owned directly by Mr. O'Dell on February 25, 2026 was 302,871.

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