CF Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	120	106.75	97.38	63.72	51.26
Interest Income on Investments	-	11.64	10.9	4.05	1.09
Total Interest Income	120	118.39	108.28	67.76	52.35
Interest Paid on Deposits	64.97	67.16	56.36	15.95	8.01
Interest Paid on Borrowings	-	4.59	4.28	3.02	2.3
Total Interest Expense	64.97	71.75	60.64	18.97	10.31
Net Interest Income	55.02	46.64	47.64	48.79	42.04
Net Interest Income Growth (YoY)	17.96%	-2.09%	-2.36%	16.06%	51.18%
Gain (Loss) on Sale of Assets	-	-	-	-	1.89
Gain (Loss) on Sale of Investments	-0.1	-	-	-	-
Other Non-Interest Income	2.46	1.99	2.28	1.07	1.54
Total Non-Interest Income	5.93	5.18	4.03	3.21	11.64
Non-Interest Income Growth (YoY)	14.53%	28.38%	25.58%	-72.42%	-80.60%
Revenues Before Loan Losses	60.95	51.82	51.67	52	53.68
Provision for Loan Losses	8.25	6.74	2.32	0.79	-1.6
Revenue	52.7	45.08	49.35	51.21	55.28
Revenue Growth (YoY)	16.91%	-8.66%	-3.63%	-7.36%	-28.10%
Salaries and Employee Benefits	15.72	13.02	13.34	14.23	16.24
Occupancy Expenses	2.24	0.74	0.89	0.88	0.8
Federal Deposit Insurance	2.06	2.08	2.22	1.13	1.24
Selling, General & Administrative	7.48	9.09	8.58	8.83	11.99
Other Non-Interest Expense	3.67	3.96	3.28	2.99	2.18
Total Non-Interest Expense	31.18	28.88	28.31	28.05	32.44
EBT Excluding Unusual Items	21.53	16.2	21.05	23.16	22.84
Asset Writedown	-	-0.06	-0.06	-0.57	-0.02
Pretax Income	21.53	16.14	20.99	22.59	22.82
Income Tax Expense	3.99	2.76	4.05	4.43	4.37
Net Income	17.54	13.39	16.94	18.16	18.45
Preferred Dividends & Other Adjustments	0.54	0.36	-	-	-
Net Income to Common	17	13.03	16.94	18.16	18.45
Net Income Growth	31.03%	-20.96%	-6.75%	-1.57%	-37.68%
Basic Shares Outstanding	6	6	6	6	7
Diluted Shares Outstanding	6	6	6	7	7
Shares Change (YoY)	0.36%	-2.15%	-1.34%	-1.73%	8.90%
EPS (Basic)	2.70	2.08	2.64	2.84	2.84
EPS (Diluted)	2.69	2.06	2.63	2.78	2.77
EPS Growth	30.58%	-21.67%	-5.40%	0.36%	-38.03%
Dividend Per Share	0.300	0.250	0.230	0.180	0.130
Dividend Growth	20.00%	8.70%	27.78%	38.46%	333.33%
Effective Tax Rate	18.52%	17.08%	19.29%	19.60%	19.13%

Updated Feb 5, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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