CFBK

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

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.

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.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which were issued to Castle Creek Advisors IV LLC ("Advisors IV"), on behalf of Sundeep Rana in his capacity as a member of the Board of Directors of the Issuer, and which are subject to vesting over a three-year period.

These securities, which include (a) 1,774 shares of vested Common Stock and (b) 4,449 shares of Common Stock underlying restricted stock awards previously issued to Advisors IV on behalf of Sundeep Rana in his capacity as a member of the Board of Directors of the Issuer, are held directly by Advisors IV. The reporting person disclaims beneficial ownership of all of the securities held by Advisors IV, except to the extent of his respective pecuniary interest therein, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.

Represents shares of common stock underlying restricted stock awards granted under the Central Federal Corporation 2019 Equity Incentive Plan, which are subject to vesting over a three-year period.