CF Bankshares (CFBK) 10-Q 10 May 18 2018 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2018	May 01, 2018
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q1
Entity Registrant Name	CENTRAL FEDERAL CORP
Entity Central Index Key	1,070,680
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Trading Symbol	cfbk
Entity Common Stock, Shares Outstanding		23,387,047

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
ASSETS
Cash and cash equivalents	$ 70,396	$ 45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,185	11,773
Loans held for sale, at fair value	8,863	1,124
Loans and leases, net of allowance of $6,976 and $6,970	422,495	406,406
FHLB and FRB stock	3,251	3,227
Premises and equipment, net	3,584	3,533
Bank owned life insurance	5,098	5,065
Accrued interest receivable and other assets	4,955	4,699
Total assets	529,927	481,425
Deposits
Noninterest bearing	91,359	89,588
Interest bearing	369,686	329,440
Total deposits	461,045	419,028
FHLB advances and other debt	19,500	13,500
Advances by borrowers for taxes and insurance	236	489
Accrued interest payable and other liabilities	2,889	2,992
Subordinated debentures	5,155	5,155
Total liabilities	488,825	441,164
Commitments and contingent liabilities
Stockholders' equity
Common stock, $.01 par value; shares authorized: 50,000,000; shares issued: 23,467,906 at March 31, 2018 and 23,501,972 at December 31, 2017	235	235
Series B Preferred stock, $0.01 par value; 480,000 shares authorized; 0 issued at March 31, 2018 and 0 at December 31, 2017
Additional paid-in capital	60,613	60,484
Accumulated deficit	(16,321)	(17,087)
Accumulated other comprehensive loss	(101)	(47)
Treasury stock, at cost; 152,359 shares of common stock at March 31, 2018 and December 31, 2017	(3,324)	(3,324)
Total stockholders' equity	41,102	40,261
Total liabilities and stockholder's equity	$ 529,927	$ 481,425

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Allowance for loans	$ 6,976	$ 6,970
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	23,467,906	23,501,972
Treasury stock, shares	152,359	152,359
Series B Preferred Stock [Member]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, share authorized	480,000	480,000
Preferred stock, share issued	0	0

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Interest and dividend income
Loans and leases, including fees	$ 4,867	$ 3,679
Securities	43	48
FHLB and FRB stock dividends	47	22
Federal funds sold and other	147	108
Total interest and dividend income	5,104	3,857
Interest expense
Deposits	1,042	680
FHLB advances and other debt	92	61
Subordinated debentures	59	50
Total interest expense	1,193	791
Net interest income	3,911	3,066
Provision for loan and lease losses
Net interest income after provision for loan losses	3,911	3,066
Noninterest income
Service charges on deposit accounts	118	89
Net gains on sales of loans	308	23
Earnings on bank owned life insurance	33	33
Other	22	21
Total noninterest income	481	166
Noninterest expense
Salaries and employee benefits	1,897	1,414
Occupancy and equipment	167	152
Data processing	231	277
Franchise and other taxes	102	91
Professional fees	250	248
Director fees	97	69
Postage, printing and supplies	49	43
Advertising and marketing	267	17
Telephone	32	32
Loan expenses	15	38
Foreclosed assets, net		7
Depreciation	59	51
FDIC premiums	88	71
Regulatory assessment	34	32
Other insurance	22	26
Other	104	52
Total noninterest expense	3,414	2,620
Income before incomes taxes	978	612
Income tax expense	186	208
Net income	792	404
Dividends on Series B preferred stock and accretion of discount	(26)	(214)
Net income attributable to common stockholders	$ 766	$ 190
Earnings per common share:
Basic	$ 0.03	$ 0.01
Diluted	$ 0.03	$ 0.01

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 792	$ 404
Other comprehensive loss:
Unrealized holding losses arising during the period related to securities available for sale, net of tax of ($12) and $0	(54)	(1)
Other comprehensive loss, net of tax	(54)	(1)
Comprehensive income	$ 738	$ 403

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Consolidated Statements Of Comprehensive Income [Abstract]
Unrealized holding gain arising during the period related to securities available for sale, tax	$ (12)	$ 0

Consolidated Statement Of Chang

Consolidated Statement Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Preferred Stock [Member]Series B Preferred Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Series B Preferred Stock [Member]	Total
Balance at Dec. 31, 2016	$ 164		$ 60,163	$ (17,767)	$ 2	$ (3,275)	$ 5	$ 39,292
Net income				404				404
Other comprehensive loss					(1)			(1)
Restricted stock expense, net of forfeitures			61					61
Accretion of discount on warrants			27	(214)				(187)
Balance at Mar. 31, 2017	164		60,251	(17,577)	1	(3,275)	$ 5	39,569
Balance at Dec. 31, 2017	235		60,484	(17,087)	(47)	(3,324)		40,261
Net income				792				792
Other comprehensive loss					(54)			(54)
Restricted stock expense, net of forfeitures			96					96
Exercise of warrants to common stock			7					7
Accretion of discount on warrants			26	(26)
Balance at Mar. 31, 2018	$ 235		$ 60,613	$ (16,321)	$ (101)	$ (3,324)		$ 41,102

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Consolidated Statements Of Cash Flows [Abstract]
Net income	$ 792	$ 404
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan and lease losses
Depreciation	59	51
Amortization, net	(17)	(20)
Deferred income tax (benefit)	2	(96)
Originations of loans held for sale	(11,484)	(6,615)
Proceeds from sale of loans held for sale	4,053	8,620
Net gains on sales of loans	(308)	(23)
Write-down of premises and equipment	32
Earnings on bank owned life insurance	(33)	(33)
Stock-based compensation expense	96	61
Net change in:
Accrued interest receivable and other assets	(256)	184
Accrued interest payable and other liabilities	(103)	(532)
Net cash from (used by) operating activities	(7,167)	2,001
Available-for-sale securities:
Maturities, prepayments and calls	530	42
Loan and lease originations and payments, net	3,599	(14,821)
Loans purchased	(19,669)
Additions to premises and equipment	(142)	(30)
Purchase of FRB Stock	(24)	(1,244)
Net cash used by investing activities	(15,706)	(16,053)
Cash flows from financing activities
Net change in deposits	42,017	(27,119)
Proceeds from FHLB advances and other debt	6,000	8,100
Repayments on FHLB advances and other debt		(100)
Net change in advances by borrowers for taxes and insurance	(253)	(276)
Cash dividends paid on Series B preferred stock		(187)
Exercise of warrants to common stock	7
Net cash from (used by) financing activities	47,771	(19,582)
Net change in cash and cash equivalents	24,898	(33,634)
Beginning cash and cash equivalents	45,498	57,941
Ending cash and cash equivalents	70,396	24,307
Supplemental cash flow information:
Interest paid	$ 1,187	816
Supplemental noncash disclosures:
Dividends payable on Series B preferred stock		$ 187

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2018
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	 NO TE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation : The consolidated financial statements include Central Federal Corporation (the “Holding Company”) and its wholly-owned subsidiary, CFBank , National Association (“CFBank”) . The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2018 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC. Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2017 Annual Report to Stockholders that was filed as Exhibit 13.1 to the Company’s Form 10-K for the year ended December 31, 201 7 (referred to herein as the “201 7 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q. Loans and Leases : Loans and leases that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, adjusted for purchase premiums and discounts, deferred loan fees and costs and an allowance for loan and lease losses (ALLL). Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level yield method without anticipating prepayments. The accrual of interest income on all classes of loans, except other consumer loans, is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Other consumer loans are typically charged off no later than 90 days past due. Past due status is based on the contractual terms of the loan for all classes of loans. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Commercial loans, multi-family residential real estate loans and commercial real estate loans placed on nonaccrual status are individually classified as impaired loans. All interest accrued but not received for each loan placed on nonaccrual is reversed against interest income in the period in which the loan is placed in a nonaccrual status. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual status. Loans are considered for return to accrual status if and when all the principal and interest amounts that are contractually due are brought current, there is a current and well documented credit analysis, there is reasonable assurance of repayment of principal and interest, and the customer has demonstrated sustained, amortizing payment performance of at least six months. Allowance for Loan and Lease Losses (ALLL): The ALLL is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that CFBank will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans within any loan class for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired.  Factors considered by management in determining impairment for all loan classes include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed . All loans within the commercial, multi-family residential and commercial real estate segments, regardless of size, and loans of all other classes with balances over $250 are individually evaluated for impairment when they are 90 days past due, or earlier than 90 days past due if information regarding the payment capacity of the borrower indicates that payment in full according to the loan terms is doubtful. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral, less costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and single-family residential real estate loans, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure s. TDRs of all classes of loans are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using each loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. If the payment of the loan is dependent on the sale of the collateral, then costs to liquidate the collateral are included when determining the impairment. For TDRs that subsequently default, the amount of reserve is determined in accordance with the accounting policy for the ALLL . Interest income on all classes of impaired loans that are on nonaccrual status is recognized in accordance with the accounting policy for nonaccrual loans. Cash receipts on all classes of impaired loans that are on nonaccrual status are generally applied to the principal balance outstanding. Interest income on all classes of impaired loans that are not on nonaccrual status is recognized on the accrual method. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note . The general reserve component covers non - impaired loans of all classes and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by loan class and is based on the actual loss history experienced by the Company over a three-year period. The general component is calculated based on CFBank’s loan balances and actual historical three-year historical loss rates. For loans with little or no actual loss experience, industry estimates are used based on loan segment. This loss experience is supplemented with other economic and judgmental factors based on the risks present for each loan class. These economic and judgmental factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations . CFBank’s charge-off policy for commercial loans, single-family residential real estate loans, multi-family residential real estate loans, commercial real estate loans, construction loans and home equity lines of credit requires management to record a specific reserve or charge-off as soon as it is apparent that the borrower is troubled and there is, or likely will be , a collateral shortfall related to the estimated value of the collateral securing the loan. Other consumer loans are typically charged off no later than 90 days past due . Joint Ventures: The Holding Company has contributed funds into a series of joint ventures (equity stake) for the purpose of allocating excess liquidity into higher earning assets while diversifying its revenue sources. The funding for the joint ventures is related to shorter term operating activities and is related to the development of single family real estate in the form of condominiums. Income is recognized based on a rate of return on the outstanding investment balance. As units are sold, the Holding Company receives an additional incentive payment, which is recognized as income. Low Income Housing Tax Credit s (LIHTC) : The Company has invested in low income housing tax credits through a fund that assists corporations in investing in limited partnerships and limited liability companies that own, develop and operate low income residential rental properties for purposes of qualifying for the Housing Tax credit. These investments are accounted for under the proportional amortization method which recognizes the amortization of the investment in proportion to the tax credit and other tax benefits received .  Earnings Per Common Share: The two-class method is used in the calculation of basic and diluted earnings per share. Under the two-class method, earnings available to common stockholders for the period are allocated between common stockholders and participating securities (unvested share-based payment awards) according to dividends declared (or accumulated) and participation rights in undistributed earnings. The factors used in the earnings per share computation follow:   Three months ended  March 31,  2018 2017  (unaudited)  Basic  Net income $ 792 $ 404  Dividends on Series B preferred stock and accretion of discount (26) (214)  Net income allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding including unvested share-based payment awards 23,336,008 16,292,166  Less: Unvested share-based payment awards - -  Average shares 23,336,008 16,292,166  Basic earnings per common share $ 0.03 $ 0.01   Diluted  Net earnings allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding for basic earnings per common share 23,336,008 16,292,166  Add: Dilutive effects of assumed exercises of stock options 216,147 190,407  Add: Dilutive effects of assumed exercises of stock warrants 1,139,925 1,152,125  Average shares and dilutive potential common shares 24,692,080 17,634,698  Diluted earnings per common share $ 0.03 $ 0.01  The following securities exercisable for or convertible into common shares were anti-dilutive and not considered in computing diluted earnings per common share :   Three months ended March 31,  2018 2017  (unaudited)  Stock options 5,056 5,446  Series B preferred stock - 6,857,143   Dividend Restriction: Banking regulations require us to maintain certain capital levels and may limit the dividends paid by CFBank to the Holding Company or by the Holding Company to stockholders. The ability of the Holding Company to pay dividends on its common stock is generally dependent upon the receipt of dividends and other distributions from CFBank. CFBank is a legal entity that is separate and distinct from the Holding Company and has no obligation to make any dividends or other funds available to the Holding Company for the payment of dividends by the Holding Company. The Holding Company also is subject to various legal and regulatory policies and guidelines impacting the Holding Company’s ability to pay dividends on its stock. In addition, the Holding Company’s ability to pay dividends on its stock is conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities.    Effective October 6, 2017, all of the Holding Company’s outstanding shares of Series B Preferred Stock were converted into shares of Common Stock of the Company. The conversion of the Series B Preferred Stock resulted in the elimination of the non-cumulative preferred dividend payments on the Series B Preferred Stock beginning with the fourth quarter of 2017. Adoption of New Accounting Standards: In May 2014 the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2014-09, Revenue from Contracts with Customers (Topic 606) . ASU No. 2014-09, including all subsequent amendments to the ASU, (i) creates a single framework for recognizing revenue from contracts with customers that fall within its scope and (ii) revises when it is appropriate to recognize a gain (loss) from the transfer of nonfinancial assets, such as OREO. The majority of the Company's revenues come from interest income and other sources, including loans, leases, securities and derivatives, that are outside the scope of ASC 606. The Company's services that fall within the scope of ASC 606, primarily service charges on deposits, are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. ASU 2014-09 became effective for us on January 1, 2018 and had no material effect on how we recognize revenue or to our consolidated financial statements and disclosures. See Note 2 – Revenue Recognition for additional information related to revenue generated from contracts with customers. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities . ASU 2016-01 amends the guidance in U.S. GAAP on the accounting for equity investments, financial liabilities under the fair value option and the presentations and disclosure requirements of financial instruments. ASU 2016-01 is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for the accounting guidance on financial liabilities under the fair value option. The Company adopted the methodologies prescribed by the ASU by the date required. Adoption of ASU No. 2016-01 did not have a significant effect on the Company’s consolidated financial statements . In August 2016, the FASB issued ASU 2016-15 , Statement of Cash Flows: Classification of Certain Cash Receipts and Cash Payments which may change how an entity classifies certain cash receipts and cash payments on its statement of cash flows to reduce diversity in practice. The update also provides guidance on when an entity should separate cash flows and classify them into more than one class and when an entity should classify the aggregate of those cash flows into a single class based on the predominance principle. The guidance in this ASU will become effective for interim and annual reporting periods beginning after December 15, 2017, with early adoption permitted. Adoption of ASU No. 2016-15 did not have a significant impact on the Company’s consolidated financial statements . The FASB has issued ASU No. 2017-09, Compensation—Stock Compensation (Topic 718): Scope of Modification Accounting. ASU 2017-09 applies to entities that change the terms or conditions of a share-based payment award. The FASB adopted ASU 2017-09 to provide clarity and reduce diversity in practice as well as cost and complexity when applying the guidance in Topic 718, Compensation—Stock Compensation, to the modification of the terms and conditions of a share-based payment award. The amendments are effective for all entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted, including adoption in any interim period for: (a) public business entities for reporting periods for which financial statements have not yet been issued, and (b) all other entities for reporting periods for which financial statements have not yet been made available for issuance. The amendments should be applied prospectively to an award modified on or after the adoption date. Adoption of ASU No. 2017-09 did not have a significant impact on the Company’s consolidated financial statements . Future Accounting Matters: On February 25, 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) . Under the new ASU, lessees will recognize lease assets and liabilities on their balance sheets for all leases with terms of more than 12 months. The new lessee accounting model retains two types of leases, and is consistent with the lessee accounting model under existing GAAP. One type of lease (finance leases) will be accounted for in substantially the same manner as capital leases are accounted for today. The other type of lease (operating leases) will be accounted for (both in the income statement and statement of cash flows) in a manner consistent with today’s operating leases. Lessor accounting under the new standard is fundamentally consistent with existing GAAP. Lessees and lessors would be required to provide additional qualitative and quantitative disclosures to help financial statement users assess the amount, timing, and uncertainty of cash flows arising from leases. These disclosures are intended to supplement the amounts recorded in the financial statements so that users can understand more about the nature of an organization’s leasing activities. For public business entities, the final lease standard will be effective for fiscal years beginning after December 15, 2018 including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the provision of the new lease standard and although we have not yet reasonably determined the estimated financial statement impact, due to the small number of lease agreements presently in effect for the Company, we believe the new guidance will not have a significant impact on the Company’s consolidated financial statements, including disclosures . In June 2016, the FASB issued ASU No. 2016-13 , Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . Once effective, ASU No. 2016-13 will significantly change current guidance for recognizing impairment of financial instruments. Current guidance requires an "incurred loss" methodology for recognizing credit losses that delays recognition until it is probable a loss has been incurred. ASU No. 2016-13 replaces the incurred loss impairment methodology with a new methodology that reflects expected credit losses over the lives of the loans and requires consideration of a broader range of information to inform credit loss estimates. The ASU requires an organization to estimate all expected credit losses for financial assets measured at amortized cost, including loans and held-to-maturity debt securities, based on historical experience, current conditions, and reasonable and supportable forecasts. Additional disclosures are required. ASU No. 2016-13 also amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. Under the new guidance, entities will determine whether all or a portion of the unrealized loss on an available-for-sale debt security is a credit loss. Any credit loss will be recognized as an allowance for credit losses on available-for-sale debt securities rather than as a direct reduction of the amortized cost basis of the investment, as is currently required. As a result, entities will recognize improvements to estimated credit losses on available-for-sale debt securities immediately in earnings rather than as interest income over time, as currently required. ASU No. 2016-13 eliminates the current accounting model for purchased credit impaired loans and debt securities. Instead, purchased financial assets with credit deterioration will be recorded gross of estimated credit losses as of the date of acquisition and the estimated credit losses amounts will be added to the allowance for credit losses. Thereafter, entities will account for additional impairment of such purchased assets using the models listed above. ASU No. 2016-13 will take effect for U.S. Securities and Exchange Commission (SEC) filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early application will be permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. While the Company generally expects that the implementation of ASU 2016-13 has the potential to increase its allowance for loan losses balance, the Company is continuing to evaluate the potential impact on the Company’s financial statements and disclosures. Management is currently assessing any additional data and system requirements necessary for adoption. At this time, the estimated impact on the Company’s consolidated financial statement, including disclosures, cannot be reasonably determined . The FASB has issued ASU No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities. The new standard is intended to improve and simplify accounting rules around hedge accounting. The new standard refines and expands hedge accounting for both financial (e.g., interest rate) and commodity risks. Its provisions create more transparency around how economic results are presented, both on the face of the financial statements and in the footnotes, for investors and analysts. The new standard takes effect for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018, for public companies and for fiscal years beginning after December 15, 2019 (and interim periods for fiscal years beginning after December 15, 2020), for private companies. Early adoption is permitted in any interim period or fiscal years before the effective date of the standard. Adoption of ASU No. 2017-12 is not expected to have a significant impact on the Company’s consolidated financial statements The FASB issued ASU No. 2018-02, Income Statement—Reporting Comprehensive Income (Topic 220)—Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . The ASU provides financial statement preparers with an option to reclassify stranded tax effects within AOCI to retained earnings in each period in which the effect of the change in the U.S. federal corporate income tax rate in the Tax Cuts and Jobs Act (or portion thereof) is recorded. The ASU requires financial statement preparers to disclose: · A description of the accounting policy for releasing income tax effects from AOCI; · Whether they elect to reclassify the stranded income tax effects from the Tax Cuts and Jobs Act; and · Information about the other income tax effects that are reclassified.  The amendments affect any organization that is required to apply the provisions of Topic 220, Income Statement—Reporting Comprehensive Income , and has items of other comprehensive income for which the related tax effects are presented in other comprehensive income as required by GAAP. The amendments are effective for all organizations for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted. Adoption of ASU No. 2018-02 is not expected to have a material impact on the Company’s consolidated financial statements.  General Litigation The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. In the opinion of management , the disposition or ultimate resolution of such claims and lawsuits is not anticipated to have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company. Reclassifications Reclassification of certain amounts in the 201 7 consolidated financial statements have been made to conform to the 201 8 presentation.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2018
Revenue Recognition [Abstract]
Revenue Recognition	 NOTE 2 – REVENUE RECOGNITION Accounting Standards Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our mortgage activities related to net gains on sale of loans. All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Noninterest Income. Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows: · Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity , or transaction-based fees , and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for such performance obligations are generally received at the time the performance obligations are satisfied . 

Securities

Securities	3 Months Ended
	Mar. 31, 2018
Securities [Abstract]
Securities	 NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at March 31, 2018 and December 31, 201 7 and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive income (loss):   Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  March 31, 2018 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 10,998 $ - $ 136 $ 10,862  Mortgage-backed securities - residential 219 6 - 225  Collateralized mortgage obligations 96 2 - 98  Total $ 11,313 $ 8 $ 136 $ 11,185     Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  December 31, 2017  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,499 $ - $ 82 $ 11,417  Mortgage-backed securities - residential 236 8 - 244  Collateralized mortgage obligations 110 2 - 112  Total $ 11,845 $ 10 $ 82 $ 11,773  There was no other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale at March 31, 2018 or March 31, 201 7 . There were no sales of securities for the three months ended March 31, 2018 and 2017 . The amortized cost and fair value of debt securities at March 31, 2018 and December 31, 2017 are shown in the table below by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.    March 31, 2018 December 31, 2017  (unaudited)  Amortized Cost Fair Value Amortized Cost Fair Value  Due in one year or less $ 3,503 $ 3,486 $ 3,002 $ 2,993  Due from one to five years 7,495 7,376 8,497 8,424  Mortgage-backed securities - residential 219 225 236 244  Collateralized mortgage obligations 96 98 110 112  Total $ 11,313 $ 11,185 $ 11,845 $ 11,773   Fair value of securities pledged was as follows:   March 31, 2018 December 31, 2017  (unaudited)  Pledged as collateral for:  FHLB advances $ 4,590 $ 4,641  Public deposits 2,007 2,018  Interest-rate swaps 133 145  Total $ 6,730 $ 6,804  At March 31, 2018 and December 31, 2017 , there were no holdings of securities of any one issuer, other than U.S. government-sponsored entities and agencies, in an amount greater than 10% of stockholders’ equity.  The following table summarizes securities with unrealized losses at March 31, 2018 and December 31, 2017, aggregated by major security type and length of time in a continuous unrealized loss position.     March 31, 2018 (unaudited) Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 6,900 $ 99 $ 3,962 $ 37 $ 10,862 $ 136  Total temporarily impaired $ 6,900 $ 99 $ 3,962 $ 37 $ 10,862 $ 136       December 31, 2017 Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 6,947 $ 51 $ 4,470 $ 31 $ 11,417 $ 82  Total temporarily impaired $ 6,947 $ 51 $ 4,470 $ 31 $ 11,417 $ 82   The unrealized losses in U.S. Treasuries at March 31, 2018 and December 31, 2017 are related to multiple securities. Because the decline in fair value is attributable to changes in market conditions, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell these securities before their anticipated recovery, the Company did not consider these securities to be other-than-temporarily impaired at March 31, 2018 and December 31, 2017. 

Loans And Leases

Loans And Leases	3 Months Ended
	Mar. 31, 2018
Loans And Leases [Abstract]
Loans And Leases	NOTE 4 – LOANS AND LEASES The following table presents the recorded investment in loans and leases by portfolio segment. The recorded investment in loans and leases includes the principal balance outstanding adjusted for purchase premiums and discounts, and deferred loan fees and costs.     March 31, 2018 December 31, 2017  ( unaudited)  Commercial (1) $ 100,732 $ 101,975  Real estate:  Single-family residential 99,409 95,578  Multi-family residential 40,018 35,665  Commercial 117,614 111,866  Construction 39,862 42,862  Consumer:  Home equity lines of credit 26,019 25,054  Other 5,817 376  Subtotal 429,471 413,376  Less: ALLL (6,976) (6,970)  Loans and leases, net $ 422,495 $ 406,406  (1) Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.  Mortgage Purchase Program CFBank has participated in a Mortgage Purchase Program with Northpointe Bank (Northpointe), a Michigan banking corporation, since December 2012. Pursuant to the terms of a participation agreement, CFBank purchases participation interests in loans made by Northpointe related to fully underwritten and pre-sold mortgage loans originated by various prescreened mortgage brokers located throughout the U.S. The underlying loans are individually (MERS) registered loans which are held until funded by the end investor. The mortgage loan investors include Fannie Mae and Freddie Mac, and other major financial institutions. This process on average takes approximately 14 days. Given the short-term holding period of the underlying loans, common credit risks (such as past due, impairment and TDR, nonperforming, and nonaccrual classification) are substantially reduced. Therefore, no allowance is allocated by CFBank to these loans. These loans are 100% risk rated for CFBank capital adequacy purposes. Under the participation agreement, CFBank agrees to purchase a 95% ownership/participation interest in each of the aforementioned loans, and Northpointe maintains a 5% ownership interest in each loan it participates. At March 31, 2018 and December 31, 201 7 , CFBank he ld $28,284 a nd $37,665 , respectively, of such loans which have been included in single-family residential loan totals above. Allowance for Loan and Lease Losses The ALLL is a valuation allowance for probable incurred credit losses in the loan portfolio based on management’s evaluation of various factors including past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. A provision for loan and lease losses is charged to operations based on management’s periodic evaluation of these and other pertinent factors described in Note 1 to the 201 7 Audited Financial Statements. The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2018:    Three months ended March 31, 2018 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,984 $ 912 $ 660 $ 2,143 $ 672 $ 597 $ 2 $ 6,970  Addition to (reduction in) provision for loan losses (117) 131 27 (4) (58) (84) 105 -  Charge-offs - (6) - - - - - (6)  Recoveries 2 2 - - - 8 - 12  Ending balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976    The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2017 :    Three months ended March 31, 2017 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,647 $ 735 $ 716 $ 2,727 $ 580 $ 486 $ 34 $ 6,925  Addition to (reduction in) provision for loan losses 121 115 (87) (236) 74 17 (4) -  Charge-offs - - - - - - - -  Recoveries - 16 - - - 1 - 17  Ending balance $ 1,768 $ 866 $ 629 $ 2,491 $ 654 $ 504 $ 30 $ 6,942   The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of March 31, 2018 (unaudited):    Real Estate Consumer  Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total  ALLL:  Ending allowance balance attributable to loans:  Individually evaluated for impairment $ - $ - $ - $ 27 $ - $ - $ - $ 27  Collectively evaluated for impairment 1,869 1,039 687 2,112 614 521 107 6,949  Total ending allowance balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976   Loans:  Individually evaluated for impairment $ 211 $ 115 $ - $ 3,162 $ - $ - $ - $ 3,488  Collectively evaluated for impairment 100,521 99,294 40,018 114,452 39,862 26,019 5,817 425,983  Total ending loan balance $ 100,732 $ 99,409 $ 40,018 $ 117,614 $ 39,862 $ 26,019 $ 5,817 $ 429,471    The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 201 7 :    Real Estate Consumer  Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total  ALLL:  Ending allowance balance attributable to loans:  Individually evaluated for impairment $ - $ - $ - $ 26 $ - $ - $ - $ 26  Collectively evaluated for impairment 1,984 912 660 2,117 672 597 2 6,944  Total ending allowance balance $ 1,984 $ 912 $ 660 $ 2,143 $ 672 $ 597 $ 2 $ 6,970   Loans:  Individually evaluated for impairment $ 277 $ 116 $ - $ 3,183 $ - $ - $ - $ 3,576  Collectively evaluated for impairment 101,698 95,462 35,665 108,683 42,862 25,054 376 409,800  Total ending loan balance $ 101,975 $ 95,578 $ 35,665 $ 111,866 $ 42,862 $ 25,054 $ 376 $ 413,376   The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended March 31, 2018. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2018. Cash payments of interest on these loans during the three months ended March 31, 2018 totaled $50 .   Three months ended  As of March 31, 2018 March 31, 2018  (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Real estate:  Commercial:  Owner occupied $ 388 $ 134 $ - $ 135 $ 5  Total with no allowance recorded 388 134 - 135 5   With an allowance recorded:  Commercial (1) 211 211 - 227 2  Real estate:  Single-family residential (1) 115 115 - 115 1  Commercial:  Non-owner occupied 2,841 2,841 26 2,847 39  Owner occupied 187 187 1 187 2  Total with an allowance recorded 3,354 3,354 27 3,376 44  Total $ 3,742 $ 3,488 $ 27 $ 3,511 $ 49 (1) Allowance recorded is less than $1 resulting in rounding to zero.  The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2017. Cash payments of interest during the three months ended March 31, 2017 totaled $56 .   Three months ended  As of December 31, 2017 March 31, 2017  (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ $ $ $ 293 $ 2  Real estate:  Commercial:  Owner occupied 391 137 - 394 12  Total with no allowance recorded 391 137 - 687 14   With an allowance recorded:  Commercial 277 277 - 188 1  Real estate:  Single-family residential (1) 116 116 - 120 2  Multi-family residential - - - 36 1  Commercial:  Non-owner occupied 2,856 2,856 24 2,173 32  Owner occupied 190 190 2 1,025 2  Total with an allowance recorded 3,439 3,439 26 3,542 38  Total $ 3,830 $ 3,576 $ 26 $ 4,229 $ 52 (1) Allowance recorded is less than $1 resulting in rounding to zero.  The following table presents the recorded investment in nonperforming loans by class of loans:     March 31, 2018 December 31, 2017  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 111 115  Real estate:  Single-family residential 193 253  Consumer:  Home equity lines of credit:  Purchased for portfolio 96 102  Total nonaccrual 400 470  Total nonaccrual and nonperforming loans $ 400 $ 470  Nonaccrual loans include both smaller balance single-family mortgage and consumer loans that are collectively evaluated for impairment and individually classified impaired loans. There were no loans 90 days or more past due and still accruing interest at March 31, 2018 or December 31, 201 7 . The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of March 31, 2018 (unaudited):   30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due  Commercial $ - $ - $ - $ - $ 100,732 $ 111  Real estate:  Single-family residential 1,569 122 42 1,733 97,676 151  Multi-family residential - - - - 40,018 -  Commercial:  Non-owner occupied - - - - 72,876 -  Owner occupied - - - - 39,607 -  Land - - - - 5,131 -  Construction - - - - 39,862 -  Consumer:  Home equity lines of credit:  Originated for portfolio - - - - 25,568 -  Purchased for portfolio - - - - 451 96  Other - - - - 5,817 -  Total $ 1,569 $ 122 $ 42 $ 1,733 $ 427,738 $ 358   The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 201 7 :    30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due  Commercial $ - $ - $ - $ - $ 101,975 $ 115  Real estate:  Single-family residential 1,610 27 104 1,741 93,837 149  Multi-family residential - - - - 35,665 -  Commercial:  Non-owner occupied - - - - 67,792 -  Owner occupied - - - - 38,787 -  Land - - - - 5,287 -  Construction - - - - 42,862 -  Consumer:  Home equity lines of credit:  Originated for portfolio - - - - 24,592 -  Purchased for portfolio - - 102 102 360 -  Other 24 - - 24 352 -  Total $ 1,634 $ 27 $ 206 $ 1,867 $ 411,509 $ 264  Troubled Debt Restructurings (TDRs): From time to time, the terms of certain loans are modified as TDRs, where concessions are granted to borrowers experiencing financial difficulties. The modification of the terms of such loans may have included one or a combination of the following: a reduction of the stated interest rate of the loan; an increase in the stated rate of interest lower than the current market rate for new debt with similar risk; an extension of the maturity date; or a change in the payment terms. As of March 31, 2018 and December 31, 2017, TDRs totaled $3,301 and $3,386 , respectively. The Company allocated $26 and $25 of specific reserves to loans whose terms had been modified in TDRs as of March 31, 2018 and December 31, 2017, respectively. The Company had not committed to lend any additional amounts as of March 31, 2018 or December 31, 2017 to customers with outstanding loans classified as nonaccrual TDRs. During the three months ended March 31, 2018 and March 31, 2017, there were no loans modified as a TDR. There were no TDRs in payment default or that became nonperforming during the quarters ended March 31, 2018 and March 31, 2017. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms, at which time the loan is re-evaluated to determine whether an impairment loss should be recognized, either through a write-off or specific valuation allowance, so that the loan is reported, net, at the present value of estimated future cash flows, or at the fair value of collateral, less cost to sell, if repayment is expected solely from the collateral. The terms of certain other loans were modified during the quarter s ended March 31, 2018 and 2017 that did not meet the definition of a TDR. These loans had a total recorded investment of $22,359 and $12,915 as of March 31, 2018 and 2017, respectively. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties, a delay in payments that was considered to be insignificant or a modification where no concessions were granted. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.  Nonaccrual loans include loans that were modified and identified as TDRs and the loans are not performing. At March 31, 2018 and December 31, 201 7 , nonaccrual TDRs were as follows:     March 31, 2018 December 31, 2017  (unaudited)  Commercial $ 111 $ 115  Total $ 111 $ 115  Nonaccrual loans at March 31, 2018 and December 31, 201 7 do not inclu de $3,190 and $3,271 , r espectively, of TDRs where customers have established a sustained period of repayment performance, generally six months, the lo ans are current according to their modified terms and repayment of the remaining contractual payments is expected. These loans are included in total impaired loans. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes loans individually by classifying the loans as to credit risk. This analysis includes commercial, commercial real estate and multi-family residential real estate loans. Internal loan reviews for these loan types are performed at least annually, and more often for loans with higher credit risk. Adjustments to loan risk ratings are made based on the reviews and at any time information is received that may affect risk ratings. The following definitions are used for risk ratings: Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of CFBank’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that there will be some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans not meeting the criteria to be classified into one of the above categories are considered to be not rated or pass-rated loans. Loans listed as not rated are primarily groups of homogeneous loans. Past due information is the primary credit indicator for groups of homogenous loans. Loans listed as pass-rated loans are loans that are subject to internal loan reviews and are determined not to meet the criteria required to be classified as special mention, substandard or doubtful.  The recorded investment in loans and leases by risk category and by class of loans and leases as of March 31, 2018 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at March 31, 2018 .    (unaudited) Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 97,810 $ 2,711 $ 211 $ 100,732  Real estate:  Single-family residential 99,210 - - 199 99,409  Multi-family residential - 39,401 456 161 40,018  Commercial:  Non-owner occupied 81 67,582 4,385 828 72,876  Owner occupied - 38,295 992 320 39,607  Land - 5,131 - - 5,131  Construction 2,335 37,527 - - 39,862  Consumer:  Home equity lines of credit:  Originated for portfolio 25,494 - - 74 25,568  Purchased for portfolio 355 - - 96 451  Other 5,817 - - - 5,817  $ 133,292 $ 285,746 $ 8,544 $ 1,889 $ 429,471   The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 201 7 follows. There were no loans or leases rated doubtful at December 31, 201 7 .    Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 98,829 $ 2,869 $ 277 $ 101,975  Real estate:  Single-family residential 95,317 - - 261 95,578  Multi-family residential - 35,036 466 163 35,665  Commercial:  Non-owner occupied 88 65,161 1,711 832 67,792  Owner occupied - 37,453 1,008 326 38,787  Land - 5,287 - - 5,287  Construction 2,239 40,623 - - 42,862  Consumer:  Home equity lines of credit:  Originated for portfolio 24,516 - - 76 24,592  Purchased for portfolio 360 - - 102 462  Other 376 - - - 376  $ 122,896 $ 282,389 $ 6,054 $ 2,037 $ 413,376          Leases: The following lists the components of the net investment in direct financing leases:     March 31, 2018 December 31, 2017  (unaudited)  Total minimum lease payments to be received $ 6,640 $ 6,838  Less: unearned income (781) (830)  Net investment in direct financing leases $ 5,859 $ 6,008  (1) There were no initial direct costs associated with these leases.  The following summarizes the future minimum lease payments receivable in fiscal year 2018 and in subsequent fiscal years:     2018 $ 595  2019 793  2020 793  2021 793  2022 793  Thereafter 2,873  $ 6,640 

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2018
Fair Value [Abstract]
Fair Value	 NOTE 5 - FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of each type of asset and liability: Securities available for sale : The fair value of securities available for sale is determined using pricing models that vary based on asset class and include available trade, bid and other market information or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Derivatives : The fair value of derivatives, which includes yield maintenance provisions, interest rate lock commitments and interest rate swaps, is based on valuation models using observable market data as of the measurement date (Level 2). Impaired loans: The fair value of impaired loans with specific allocations of the ALLL is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Appraisals for collateral-dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by a third-party appraisal management company approved by the Board of Directors annually. Once received, the loan officer or a member of the credit department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are updated as needed based on facts and circumstances associated with the individual properties. Real estate appraisals typically incorporate measures such as recent sales prices for comparable properties. Appraisers may make adjustments to the sales prices of the comparable properties as deemed appropriate based on the age, condition or general characteristics of the subject property. Management applies an additional discount to real estate appraised values, typically to reflect changes in market conditions since the date of the appraisal if warranted and to cover disposition costs (including selling expenses) based on the intended disposition method of the property. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Loans held for sale: Loans held for sale are carried at fair value, as determined by outstanding commitments from third party investors (Level 2). Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities for which the Company has elected the fair value option, are summarized below:   Fair Value Measurements at March 31, 2018 using Significant Other Observable Inputs  (Level 2)  (unaudited)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 10,862  Mortgage-backed securities - residential 225  Collateralized mortgage obligations 98  Total securities available for sale $ 11,185   Loans held for sale 8,863   Yield maintenance provisions (embedded derivatives) $ 31   Interest rate lock commitments $ 247   Financial Liabilities:  Interest-rate swaps $ 31     Fair Value Measurements at December 31, 2017 using Significant Other Observable Inputs  (Level 2)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,417  Mortgage-backed securities - residential 244  Collateralized mortgage obligations 112  Total securities available for sale $ 11,773   Loans held for sale 1,124   Yield maintenance provisions (embedded derivatives) $ 56   Interest rate lock commitments $ 11   Financial Liabilities:  Interest-rate swaps $ 56   The Company had no assets or liabilities measured at fair value on a recurring basis that were measured using Level 1 or Level 3 inputs at March 31, 2018 or December 31, 201 7 . There were no transfers of assets or l i abilities measured at fair value between levels during the period s ended March 31, 2018 and December 31, 201 7 . Assets and liabilities measured at fair value on a non-recurring basis are summarized below:   Fair Value Measurements at March 31, 2018 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 111  Real Estate:  Single-family residential 115  Commercial:  Non-owner occupied 2,815  Total impaired loans $ 3,041     Fair Value Measurements at December 31, 2017 Using  Significant Unobservable Inputs (Level 3)   Impaired loans:  Commercial $ 115  Real Estate:  Single-family residential 116  Commercial:  Non-owner occupied 2,832  Total impaired loans $ 3,063   The Company had no material assets or liabilities measured at fair value on a non-recurring basis that were measured using Level 1 or Level 2 inputs at March 31, 2018 or December 31, 201 7 . Impaired loans that are measured for impairment using the fair value of the collateral for collateral dependent loans , had a principal balanc e of $ 3,067 with a valuation allowance o f $ 26 at M arch 31, 2018 . There were no write-downs of impaired collateral dependent loans during the three months ended March 31, 2018 or 201 7 . Impaired loans that are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $3,087 , with a valuation allowance of $24 at December 31, 201 7 . During the three months ended March 31, 2018 , the Company did not have any transfers of assets or liabilities between those measured using Level 1, 2 or 3 inputs. The Company recognizes transfers of assets and liabilities between Level 1, 2 and 3 inputs based on the information relating to those assets and liabilities at the end of the reporting period. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at March 31, 2018 (unaudited):   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 111 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single-family residential 115 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,815 Comparable sales approach Adjustment for differences between the comparable market transactions ( 3.48% , 9.64% ) 5.15%   The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 201 7 :   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 115 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single -family residential 116 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,832 Comparable sales approach Adjustment for differences between the comparable market transactions ( 3.48% , 9.64% ) 5.15%  Financial Instruments Recorded Using Fair Value Option The Company has elected the fair value option for loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market and are not included. Interest income is recorded based on the contractual terms of the loan and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due or on nonaccrual as of March 31, 2018 or December 31, 201 7 .  As of March 31, 2018 and December 31, 201 7 , the aggregate fair value, contractual balance and gain or loss of loans held for sale were as follows:    March 31, 2018 December 31, 2017  (unaudited)  Aggregate fair value $ 8,863 $ 1,124  Contractual balance 8,801 1,120  Gain (loss) $ 62 $ 4  The total amount of gains and losses from changes in fair value included in earnings for the three months ended March 31, 2018 and 201 7 for loans held for sale were:   Three months ended March 31,  2018 2017  (unaudited)  Interest income $ 25 $ 21  Interest expense - -  Change in fair value 58 (8)  Total change in fair value $ 83 $ 13   The carrying amounts and estimated fair values of financial instruments at March 31, 2018 were as follows:   Fair Value Measurements at March 31, 2018 Using:  Carrying  (unaudited) Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 70,396 $ 70,396 $ - $ - $ 70,396  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,185 - 11,185 - 11,185  Loans held for sale 8,863 - 8,863 - 8,863  Loans and leases, net 422,495 - - 420,492 420,492  FHLB and FRB stock 3,251 n/a n/a n/a n/a  Accrued interest receivable 1,387 14 55 1,318 1,387  Yield maintenance provisions (embedded derivatives) 31 - 31 - 31  Interest rate lock commitments 247 - 247 - 247   Financial liabilities  Deposits $ (461,045) $ (241,318) $ (217,818) $ - $ (459,136)  FHLB advances and other borrowings (19,500) - (19,817) - (19,817)  Advances by borrowers for taxes and insurance (236) - - (236) (236)  Subordinated debentures (5,155) - (4,278) - (4,278)  Accrued interest payable (117) (3) (114) - (117)  Interest-rate swaps (31) - (31) - (31)   The carrying amounts and estimated fair values of financial instruments at December 31, 201 7 were as follows:    Fair Value Measurements at December 31, 2017 Using:  Carrying  Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 45,498 $ 45,498 $ - $ - $ 45,498  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,773 - 11,773 - 11,773  Loans held for sale 1,124 - 1,124 - 1,124  Loans and leases, net 406,406 - - 402,719 402,719  FHLB stock 3,227 n/a n/a n/a n/a  Accrued interest receivable 1,326 27 38 1,261 1,326  Yield maintenance provisions (embedded derivatives) 56 - 56 - 56  Interest rate lock commitments 11 - 11 - 11   Financial liabilities  Deposits $ (419,028) $ (236,797) $ (181,659) $ - $ (418,456)  FHLB advances and other borrowings (13,500) - (13,466) - (13,466)  Advances by borrowers for taxes and insurance (489) - - (489) (489)  Subordinated debentures (5,155) - (4,094) - (4,094)  Accrued interest payable (79) (6) (73) - (79)  Interest-rate swaps (56) - (56) - (56)  The methods and assumptions, not previously presented, used to estimate fair values are described as follows: Cash and Cash Equivalents and Interest-Bearing Deposits in Other Financial Institutions The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1. FHLB and FRB Stock It is not practical to determine the fair value of FHLB and FRB stock due to restrictions placed on its transferability. Loans and Leases Fair values of loans and leases as of March 31, 2018 , excluding loans held for sale, are estimated utilizing an exit pricing methodology as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. The discount rate for the discounted cash flow analyses includes a credit quality adjustment. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans at December 31, 2017, do not necessarily represent an exit price and are not comparable period to period . Deposits The fair values disclosed for demand deposits (e.g., interest and noninterest bearing checking, passbook savings, and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification. Other Borrowings The fair values of the Company’s long-term FHLB advances and other long-term debt are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. The fair values of the Company’s subordinated debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification.  Accrued Interest Receivable/Payable The carrying amounts of accrued interest approximate fair value resulting in a Level 1, 2 or 3 classification, consistent with the asset or liability with which they are associated. Advances by Borrowers for Taxes and Insurance The carrying amount of advances by borrowers for taxes and insurance approximates fair value resulting in a Level 3 classification, consistent with the liability with which they are associated. Off-Balance-Sheet Instruments The fair value of off-balance-sheet items is not considered material.

Subordinated Debentures

Subordinated Debentures	3 Months Ended
	Mar. 31, 2018
Subordinated Debentures [Abstract]
Subordinated Debentures	NOTE 6 – SUBORDINATED DEBENTURES In December 2003, Central Federal Capital Trust I, a trust formed by the Holding Company, closed a pooled private offering of 5,000 trust preferred securities with a liquidation amount of $1 per security. The Holding Company issued $5,155 of subordinated debentures to the trust in exchange for ownership of all of the common stock of the trust and the proceeds of the preferred securities sold by the trust . The Holding Company is not considered the primary beneficiary of this trust ( which is classified as a variable interest entity); therefore, the trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability. The Holding Company’s investment in the common stock of the trust was $155 and is included in other assets. The Holding Company may redeem the subordinated debentures, in whole or in part, in a principal amount with integral multiples of $1 , at 100% of the principal amount, plus accrued and unpaid interest. The subordinated debentures mature on December 30, 2033 . The subordinated debentures are also redeemable in whole or in part from time to time, upon the occurrence of specific events defined within the trust indenture. There are no required principal payments on the subordinated debentures over the next five years. The Holding Company has the option to defer interest payments on the subordinated debentures for a period not to exceed five consecutive years. The subordinated debentures have a variable rate of interest, reset quarterly, equal to the three-month London Interbank Offered Rate plus 2.85% , which was 5.16% at March 31, 2018 and 4.54% at December 31, 201 7 . 

FHLB Advances And Other Debt

FHLB Advances And Other Debt	3 Months Ended
	Mar. 31, 2018
FHLB Advances And Other Debt [Abstract]
FHLB Advances And Other Debt	 NOTE 7 – FHLB ADVANCES AND OTHER DEBT FHLB fixed rate advances and other debt were as follows:    Weighted  Average Rate March 31, 2018 December 31, 2017  FHLB fixed rate advances :  Maturities:  2019 1.62% $ 3,500 $ 3,500  2020 1.98% 4,500 4,500  2021 2.32% 4,000 4,000  2022 2.05% 1,500 1,500  Total FHLB fixed rate advances 13,500 13,500   Variable rate other debt:  Maturities:  2020 5.33% 6,000 -  Total variable rate other debt 6,000 -  Total $ 19,500 $ 13,500  Each FHLB advance is payable at its maturity date, with a prepayment penalty for fixed-rate advances.  In February 2018, the Holding Company entered into a credit facility with a third-party bank pursuant to which the Holding Company may borrow up to an aggregate principal amount of $6,000 . The purpose of the credit facility is to provide an additional source of liquidity for the Holding Company and to provide funds for the Holding Company to downstream as additional capital to the Bank to support growth. As of March 31, 2018, the Holding Company had drawn $6,000 on the credit facility and downstreamed $5,000 as a capital contribution to CFBank. Loans under the credit facility bear interest at a rate equal to the Prime Rate plus 0.75% . The credit facility is secured by a pledge of the Holding Company’s stock of CFBank. The credit facility will expire in February 2020 unless extended or replaced.

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2018
Stock-Based Compensation [Abstract]
Stock-Based Compensation	 NOTE 8 – STOCK-BASED COMPENSATION The Company has outstanding awards under two stock-based compensation plans ( collectively, the “Plans”), as described below. Total compensation cost that has been charged against income for those Plans totaled $96 and $61 , respectively, for the three months ended March 31, 2018 and March 31, 2017. The total income tax effect was $20 and $21 , resp ectively, for the three months ended March 31, 2018 and March 31, 201 7 . The Plans are both stockholder-approved and authorize stock option grants and restricted stock awards to be made to directors, officers and employees. The 2003 Equity Compensation Plan (the “2003 Plan”), as amended and restated, provided an aggregate of 100,000 shares for stock option grants and restricted stock awards, of which up to 30,000 shares could be awarded in the form of restricted stock awards. The 2009 Equity Compensation Plan (the “2009 Plan”), which was approved by stockholders on May 21, 2009, replaced the 2003 Plan and provided for 200,000 shares, plus any remaining shares available to grant or that are later forfeited or expire under the 2003 Plan, to be made available to be issued as stock option grants, stock appreciation rights or restricted stock awards. On May 16, 2013, the Company’s stockholders approved the First Amendment to the 2009 Plan to increase the number of shares of common stock reserved for stock option grants and restricted stock awards thereunder to 1,500,000 . Stock Options: The Plans permit the grant of stock options to directors, officers and employees of the Holding Company and CFBank. Option awards are granted with an exercise price equal to the market price of the Company’s common stock on the date of grant, generally have vesting periods ranging from one to three years, and are exercisable for ten years from the date of grant. Unvested stock options immediately vest upon a change of control. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company’s common stock. The Company uses historical data to estimate option exercise and post-vesting termination behavior. Employee and management options are tracked separately. The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. There were no options granted or exercised during the three months ended March 31, 2018 and March 31, 201 7 (unaudited). A summary of stock option activity in the Plans for the three months ended March 31, 2018 follows (unaudited):    Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value  Outstanding at beginning of year 539,256 $ 1.44  Expired (200) 20.15  Cancelled or forfeited - -  Outstanding at end of period 539,056 $ 1.43 5.1 $ 501,460   Expected to vest - $ - - $ -   Exercisable at end of period 539,056 $ 1.43 5.1 $ 501,460   During the three months ended March 31, 2018 , there were 200 stock options that expired. There were 300 stock options that expired during the three months ended March 31, 201 7 . During the three months ended March 31, 2018 and March 31, 2017 , there were no cancelled or forfeited stock options. As of March 31, 2018 , all stock options granted under the Plans were vested. Restricted Stock Awards: The Plans permit the grant of restricted stock awards to directors, officers and employees. Compensation is recognized over the vesting period of the awards based on the fair value of the stock at grant date. The fair value of the stock is determined using the closing share price on the date of grant and shares generally have vesting periods of one to three years. There were no shares of restricted stock issued during the three months ended March 31, 2018 and 201 7 (unaudited). A summary of changes in the Company’s nonvested restricted stock awards during the quarter ended March 31, 2018 follows (unaudited):     Nonvested Shares Shares Weighted Average Grant-Date Fair Value  Nonvested at January 1, 2018 464,661 $ 2.03  Forfeited (37,666) 2.20  Nonvested at March 31, 2018 426,995 $ 2.01  As of March 31, 2018 and 201 7 , the unrecognized compensation cost related to nonvested restricted stock awards granted under the Plans w as $739 and $572 , res pectively . There were 37,666 shares of restricted stock forfeited during the three month period ended March 31, 2018 . There were 6,333 shares of restricted stock forfeited during the three months ended March 31, 201 7 . T here were no shares of restricted stock that vested during the three months ended March 31, 2018 and 201 7 . There w ere 384,981 shares of common stock rem aining available for stock option grants and restricted stock awards under the 2009 Plan at March 31, 2018 . 

Regulatory Capital Matters

Regulatory Capital Matters	3 Months Ended
	Mar. 31, 2018
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	NOTE 9 – REGULATORY CAPITAL MATTERS CFBank is subject to regulatory capital requirements administered by federal banking agencies. Prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off ‑balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Prompt corrective action regulations provide five classifications for banking organizations: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a banking organization is classified as adequately capitalized, regulatory approval is required to accept brokered deposits. If a banking organization is classified as undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. In July 2013, the Holding Company’s primary federal regulator, the FRB, published final rules (the “Basel III Capital Rules”) establishing a new comprehensive capital framework for U.S. banking organizations. The rules implement the Basel Committee's December 2010 framework known as “Basel III” for strengthening international capital standards as well as certain provisions of the Dodd-Frank Act. The Basel III Capital Rules provide higher capital requirements and more restrictive leverage and liquidity ratios than those previously in place. In addition, in order to avoid limitations on capital distributions, such as dividend payments and certain bonus payments to executive officers, the Basel III Capital Rules require insured financial institutions to hold a capital conservation buffer of common equity tier 1 capital above the minimum risk-based capital requirements. The capital conservation buffer will be phased in over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. T he Basel III Capital Rules revise the regulatory agencies' prompt corrective action framework by incorporating the new regulatory capital minimums and updating the definition of common equity. The Basel III Capital Rules became effective for the Company on January 1, 2015, and will be fully phased in by January 1, 2019. Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios of Common Equity Tier 1 capital, Tier 1 capital and Total capital, as defined in the regulations, to risk-weighted assets, and of Tier 1 capital to adjusted quarterly average assets (“Leverage Ratio”). CFBank’s implementation of the new rules on January 1, 2015 did not have a material impact on our capital needs or classifications. When fully phased in on January 1, 2019, the Basel III Capital Rules will require CFBank to maintain: 1) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of 4.5% , plus a 2.5% “capital conservation buffer” (resulting in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of 7.0% upon full implementation); 2) a minimum ratio of Tier 1 capital to risk-weighted assets of 6.0% , plus the capital conservation buffer (resulting in a minimum Tier 1 capital ratio of 8.5% upon full implementation); 3) a minimum ratio of Total capital to risk-weighted assets of 8.0% , plus the capital conservation buffer (resulting in a minimum Total capital ratio of 10.5% upon full implementation); and 4) a minimum Leverage Ratio of 4.0% . The implementation of the capital conservation buffer began on January 1, 2016 at the 0.625% level and will be phased in over a four -year period increasing by increments of that amount on each subsequent January 1 until it reaches 2.5% on January 1, 2019. As of March 31, 2018, the capital conservation buffer wa s 1.88% . T he capital conservation buffer is designed to absorb losses during periods of economic stress. Failure to maintain the minimum Common Equity Tier 1 capital ratio plus the capital conservation buffer will result in potential restrictions on a banking institution’s ability to pay dividends, repurchase stock and/or pay discretionary compensation to its employees. The following tables present actual and required capital ratios as of March 31, 2018 and December 31, 201 7 for CFBank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of March 31, 2018 , based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.   Actual Minimum Capital Required-Basel III Phase-In Schedule Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio  March 31, 2018 (unaudited)  Total Capital to risk weighted assets $ 54,531 13.05% $ 41,270 9.88% $ 43,860 10.50% $ 41,771 10.00%   Tier 1 (Core) Capital to risk weighted assets 49,287 11.80% 32,916 7.88% 35,506 8.50% 33,417 8.00%   Common equity tier 1 capital to risk-weighted assets 49,287 11.80% 26,650 6.38% 29,240 7.00% 27,151 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 49,287 10.21% 19,308 4.00% 19,308 4.00% 24,135 5.00%     Actual Minimum Capital Required-Basel III Phase-In Schedule Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio  December 31, 2017  Total Capital to risk weighted assets $ 48,271 11.91% $ 37,492 9.25% $ 42,559 10.50% $ 40,532 10.00%   Tier 1 (Core) Capital to risk weighted assets 43,179 10.65% 29,386 7.25% 34,452 8.50% 32,426 8.00%   Common equity tier 1 capital to risk-weighted assets 43,179 10.65% 23,306 5.75% 28,372 7.00% 26,346 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 43,179 9.37% 18,432 4.00% 18,432 4.00% 23,040 5.00%   In September 2017, the FRB, along with other bank regulatory agencies, proposed amendments to their capital requirements to simplify certain aspects of the capital rules for community banks, including CFBank, in an attempt to reduce the regulatory burden for smaller financial institutions. Because the amendments were proposed with a request for comments and have not been finalized, we do not yet know what effect the final rules will have on CFBank and its regulatory capital calculations. In November 2017, the federal bank regulatory agencies extended for community banks the existing capital requirements for certain items that were scheduled to change effective January 1, 2018, in light of the simplification amendments being considered. CFBank converted from a mutual to a stock institution in 1998, and a “liquidation account” was established in the amount of $ 14,300 , which was the net worth reported in the conversion prospectus. The liquidation account represents a calculated amount for the purposes described below, and it does not represent actual funds included in the consolidated financial statements of the Company. Eligible depositors who have maintained their accounts, less annual reductions to the extent they have reduced their deposits, would receive a distribution from this account if CFBank liquidated and its assets exceeded its liabilities. Dividends may not reduce CFBank’s stockholder’s equity below the required liquidation account balance. Dividend Restrictions: The Holding Company’s principal source of funds for dividend payments is dividends received from CFBank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid by CFBank in any calendar year is limited to the current year’s net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described above. Any future dividend payments by CFBank to the Holding Company would be based on future earnings and, if necessary, regulatory approval. The Holding Company’s ability to pay dividends on its stock is also conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities. Additionally, CFBank does not intend to make distributions to the Holding Company that would result in a recapture of any portion of its thrift bad debt reserve as discussed in Note 10-Income Taxes .

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2018
Derivative Instruments [Abstract]
Derivative Instruments	 NOTE 10 – DERIVATIVE INSTRUMENTS Interest-rate swaps: CFBank utilizes interest-rate swaps as part of its asset/liability management strategy to help manage its interest rate risk position, and does not use derivatives for trading purposes. The notional amount of the interest-rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest-rate swap agreements. CFBank was party to interest-rate swaps with a combined notional amount o f $ 2,160 at March 31, 201 8 and $2,185 at December 31, 201 7 . The objective of the interest-rate swaps is to protect the related fixed-rate commercial real estate loans from changes in fair value due to changes in interest rates. CFBank has a program whereby it lends to its borrowers at a fixed rate with the loan agreement containing a two-way yield maintenance provision, which will be invoked in the event of prepayment of the loan, and is expected to exactly offset the fair value of unwinding the swap. The yield maintenance provision represents an embedded derivative which is bifurcated from the host loan contract and, as such, the swaps and embedded derivatives are not designated as hedges. Accordingly, both instruments are carried at fair value and changes in fair value are reported in current period earnings. CFBank currently does not have any derivatives designated as hedges. Contingent Features: The counterparty to CFBank’s interest-rate swaps is exposed to credit risk whenever the interest-rate swaps are in a liability position. At March 31, 201 8 , CFBank h ad $633 in s ecurities and cash pledged as collateral for these derivatives. Should the liability increase, beyond the collateral value, CFBank will be required to pledge additional collateral. Additionally, CFBank’s interest-rate swap instruments contain provisions that require CFBank to remain well capitalized under regulatory capital standards. The interest-rate swaps may be called by the counterparty if CFBank fails to maintain well-capitalized status under regulatory capital standards. As of March 31, 201 8 , CFBank was well-capitalized under regulatory capital standards.  Summary information about the derivative instruments is as follows:    March 31, 2018 December 31, 2017  (unaudited)  Notional amount $ 2,160 $ 2,185  Weighted average pay rate on interest-rate swaps 3.75% 3.75%  Weighted average receive rate on interest-rate swaps 1.84% 1.52%  Weighted average maturity (years) 1.9 2.1  Fair value of interest-rate swaps $ (31) $ (56)  Fair value of yield maintenance provisions 31 56  T he fair value of the yield maintenance provisions and interest-rate swaps is recorded in other assets and other liabilities, respectively, in the consolidated balance sheet. Changes in the fair value of the yield maintenance provisions and interest-rate swaps are reported currently in earnings, as other noninterest income in the consolidated statements of operations. There were no net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps for the three months ended March 31, 201 8 or 201 7 . Mortgage banking derivatives: Commitments to fund certain mortgage loans (interest rate locks) to be sold into the secondary market are considered derivatives. These mortgage banking derivatives are not designated in hedge relationships. The Company had approximately $ 37,248 and $ 2,390 of interest rate lock commitments related to residential mortgage loans at March 31, 2018 and December 31, 2017, respectively. The fair value of these mortgage banking derivatives was reflected by a derivative asset of $247 and $11 at March 31, 2018 and December 31, 2017, respectively, which was included in other assets in the consolidated balance sheet. Fair values were estimated based on anticipated gains on the sale of the underlying loans. Changes in the fair values of these mortgage banking derivatives are included in net gains on sales of loans.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2018
Income Taxes [Abstract]
Income Taxes	 NOTE 1 1 – INCOME TAXES At March 31, 2018, the Company had a deferred tax asset recorded in the amount o f $1,600 . A t December 31, 20 17 , the Company had a deferred tax asset recorded of approximately $1,600 . At March 31, 201 8 and December 31, 201 7 , the Company had no unrecognized tax benefits recorded. The Company is subject to U.S. federal income tax and is no longer subject to federal examination for years prior to 201 4 . Our deferred tax assets are composed of U.S. net operating losses (“NOLs”), and other temporary book to tax differences. When determining the amount of deferred tax assets that are more-likely-than-not to be realized, and therefore recorded as a benefit, the Company conducts a regular assessment of all available information. This information includes, but is not limited to, taxable income in prior periods, projected future income and projected future reversals of deferred tax items. Based on these criteria, the Company determined as of March 31, 201 8 that no valuation allowance was required against the net deferred tax asset. In 2012, a recapitalization program through the sale of $22,500 in common stock improved the capital levels of CFBank and provided working capital for the H olding C ompany. The result of the change in stock ownership associated with the stock offering , however, was that the Company incurred an ownership change within the guidelines of Section 382 of the Internal Revenue Code of 1986. At year-end 201 7 , the Company had net operating loss carryforwards of $23,059 , which expire at various dates from 2024 to 203 2 . As a result of the ownership change, the Company's ability to utilize carryforwards that arose before the 2012 stock offering closed is limited to $163 per year. Due to this limitation, management determined it is more likely than not that $20,520 of net operating loss carryforwards will expire unutilized. As required by accounting standards, the Company reduced the carrying value of deferred tax assets, and the corresponding valuation allowance, by the $6,977 tax effect of this lost realizability. Federal income tax laws provided additional deductions, totaling $2,250 , for thrift bad debt reserves established before 1988. Accounting standards do not require a deferred tax liability to be recorded on this amount, which otherwise would have total ed $473 at year-end 201 7 . However, if CFBank were wholly or partially liquidated or otherwise ceases to be a bank, or if tax laws were to change, this amount would have to be recaptured and a tax liability recorded. Additionally, any distributions in excess of CFBank’s current or accumulated earnings and profits would reduce amounts allocated to its bad debt reserve and create a tax liability for CFBank.  On December 22, 2017, the “Tax Cuts and Jobs Act” was enacted into law reducing the federal corporate tax rate to 21% , effective January 1, 2018. The Company conducted a revaluation of its existing deferred tax asset (DTA) to reflect the impact of the new tax rates, which resulted in the Company recording an additional tax expense in the fourth quarter of 2017 in the amount of $979 . T he Company record s income tax expense based on the federal statutory rate adjusted for the effect of bank owned life insurance and other miscellaneous items. The effective tax rate for the three months ended March 31, 201 8 and March 31, 2017 w as approximately 19.1% and 34.0% , respectively, which management believes is a reasonable estimate for the effective tax rate. The following table summarizes the major components creating differences between income taxes at the federal statutory tax rate and the effective tax rate recorded in the consolidated statements of income for the three months ended March 31, 201 8 and 201 7 :    For the three months ended March 31,  2018 2017  (unaudited)  Statutory tax rate 21.0% 34.0%  Increase (decrease) resulting from:  Tax exempt income on bank owned life insurance (0.7%) (1.8%)  Low income housing credits (1.0%) -  Other, net (0.2%) 1.8%  Effective tax rate 19.1% 34.0%  

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	3 Months Ended
	Mar. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	NOTE 1 2 - ACCUMULATED OTHER COMPREHENSIVE INCOME The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the three months ended March 31, 201 8 and 201 7 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive income:    Changes in Accumulated Other Comprehensive Income by Component (1)   Three months ended  March 31,  2018 2017  (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (47) $ 2  Other comprehensive gain (loss) before reclassifications (2) (54) (1)  Net current-period other comprehensive income (loss) (54) (1)  Accumulated other comprehensive income (loss), end of period $ (101) $ 1  (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no am ounts reclassified out of other comprehensive income for the three months ended March 31, 201 8 and 201 7.

Preferred Stock

Preferred Stock	3 Months Ended
	Mar. 31, 2018
Preferred Stock [Abstract]
Preferred Stock	 NOTE 1 3 - PREFERRED STOCK Series B Preferred Stock: Commencing in April 2014, the Co mpany conducted a private placement of up to 480,000 shares of its 6.25% Non-Cumulative Convertible Perpetual Preferred Stock, Series B (“Series B Preferred Stock”) for an offering price of $25.00 per share (the “Private Placement”). Pursuant to the Private Placement, the Company sold an aggregate of 480,000 shares of Series B Preferred Stock on May 12, 2014 and July 15, 2014, for an aggregate offering price of $12,000 . After payment of approximately $482 in placement fees and approximately $149 of other offering expenses, the Company’s net proceeds from its sale of the 480,000 shares of Series B Preferred Stock in the Private Placement were approximately $11,369 . For each share of Series B Preferred Stock sold in the Private Placement, the Company also issued, at no additional charge, a Warrant to purchase common stock of the Company. See Note 14-Common Stock Warrants for additional information.  Conversion of Series B Preferred Stock to Common Stock: On September 29, 2017, the Company announced the conversion of its Series B Preferred Stock into shares of Common Stock of the Company. The conversion was effective October 6, 2017 , and resulted in the conversion of all 480,000 of the Company’s issued and outstanding shares of Series B Preferred Stock into approximately 6,857,143 shares of Common Stock. The conversion of the Series B Preferred Stock result ed in the elimination of the non-cumulative preferred dividend payments on the Series B Preferred Stock beginning with the 4th quarter of 2017. The preferred dividends, in the aggregate amount of approximately $187,500 quarterly, or approximately $750,000 annually, will not be payable by the Company going forward. 

Common Stock Warrants

Common Stock Warrants	3 Months Ended
	Mar. 31, 2018
Common Stock Warrants [Abstract]
Common Stock Warrants	 NOTE 1 4 - COMMON STOCK WARRANTS Series B Preferred Stock – Warrants: For each share of Series B Preferred Stock issued by the Company in the Private Placement, the Company also issued, at no additional charge, a Warrant to purchase (i) 2.00 shares of common stock of the Company if the purchaser purchased less than $700 ( 28,000 shares) of Series B Preferred Stock in the Private Placement, or (ii) 3.25 shares of common stock if the purchaser purchased $700 ( 28,000 shares) or more of Series B Preferred Stock in the Private Placement. Warrants to purchase an aggregate of 1,152,125 shares of common stock were issued by the Company to the purchasers of the 480,000 shares of Series B Preferred Stock sold in the Private Placement. T he Wa rrants are exercisable for a period of approximately five (5) years expiring on July 15, 2019, at a current exercise price of $1.85 per share of common stock. As of March 31, 2018, there were 467,800 Warrants outstanding.  

Summary of Significant Accoun23

Summary of Significant Accounting Policies (Policy)	3 Months Ended
	Mar. 31, 2018
Summary Of Significant Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation : The consolidated financial statements include Central Federal Corporation (the “Holding Company”) and its wholly-owned subsidiary, CFBank , National Association (“CFBank”) . The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2018 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC. Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2017 Annual Report to Stockholders that was filed as Exhibit 13.1 to the Company’s Form 10-K for the year ended December 31, 201 7 (referred to herein as the “201 7 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q.
Loans And Leases	Loans and Leases : Loans and leases that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, adjusted for purchase premiums and discounts, deferred loan fees and costs and an allowance for loan and lease losses (ALLL). Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level yield method without anticipating prepayments. The accrual of interest income on all classes of loans, except other consumer loans, is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Other consumer loans are typically charged off no later than 90 days past due. Past due status is based on the contractual terms of the loan for all classes of loans. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Commercial loans, multi-family residential real estate loans and commercial real estate loans placed on nonaccrual status are individually classified as impaired loans. All interest accrued but not received for each loan placed on nonaccrual is reversed against interest income in the period in which the loan is placed in a nonaccrual status. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual status. Loans are considered for return to accrual status if and when all the principal and interest amounts that are contractually due are brought current, there is a current and well documented credit analysis, there is reasonable assurance of repayment of principal and interest, and the customer has demonstrated sustained, amortizing payment performance of at least six months.
Allowance for Loan And Lease Losses (ALLL)	Allowance for Loan and Lease Losses (ALLL): The ALLL is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that CFBank will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans within any loan class for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired.  Factors considered by management in determining impairment for all loan classes include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed . All loans within the commercial, multi-family residential and commercial real estate segments, regardless of size, and loans of all other classes with balances over $250 are individually evaluated for impairment when they are 90 days past due, or earlier than 90 days past due if information regarding the payment capacity of the borrower indicates that payment in full according to the loan terms is doubtful. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral, less costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and single-family residential real estate loans, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure s. TDRs of all classes of loans are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using each loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. If the payment of the loan is dependent on the sale of the collateral, then costs to liquidate the collateral are included when determining the impairment. For TDRs that subsequently default, the amount of reserve is determined in accordance with the accounting policy for the ALLL . Interest income on all classes of impaired loans that are on nonaccrual status is recognized in accordance with the accounting policy for nonaccrual loans. Cash receipts on all classes of impaired loans that are on nonaccrual status are generally applied to the principal balance outstanding. Interest income on all classes of impaired loans that are not on nonaccrual status is recognized on the accrual method. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note . The general reserve component covers non - impaired loans of all classes and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by loan class and is based on the actual loss history experienced by the Company over a three-year period. The general component is calculated based on CFBank’s loan balances and actual historical three-year historical loss rates. For loans with little or no actual loss experience, industry estimates are used based on loan segment. This loss experience is supplemented with other economic and judgmental factors based on the risks present for each loan class. These economic and judgmental factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations . CFBank’s charge-off policy for commercial loans, single-family residential real estate loans, multi-family residential real estate loans, commercial real estate loans, construction loans and home equity lines of credit requires management to record a specific reserve or charge-off as soon as it is apparent that the borrower is troubled and there is, or likely will be , a collateral shortfall related to the estimated value of the collateral securing the loan. Other consumer loans are typically charged off no later than 90 days past due .
Joint Ventures	Joint Ventures: The Holding Company has contributed funds into a series of joint ventures (equity stake) for the purpose of allocating excess liquidity into higher earning assets while diversifying its revenue sources. The funding for the joint ventures is related to shorter term operating activities and is related to the development of single family real estate in the form of condominiums. Income is recognized based on a rate of return on the outstanding investment balance. As units are sold, the Holding Company receives an additional incentive payment, which is recognized as income.
Low Income Housing Tax Credits (LIHTC)	Low Income Housing Tax Credit s (LIHTC) : The Company has invested in low income housing tax credits through a fund that assists corporations in investing in limited partnerships and limited liability companies that own, develop and operate low income residential rental properties for purposes of qualifying for the Housing Tax credit. These investments are accounted for under the proportional amortization method which recognizes the amortization of the investment in proportion to the tax credit and other tax benefits received .
Earnings Per Common Share	Earnings Per Common Share: The two-class method is used in the calculation of basic and diluted earnings per share. Under the two-class method, earnings available to common stockholders for the period are allocated between common stockholders and participating securities (unvested share-based payment awards) according to dividends declared (or accumulated) and participation rights in undistributed earnings. The factors used in the earnings per share computation follow:   Three months ended  March 31,  2018 2017  (unaudited)  Basic  Net income $ 792 $ 404  Dividends on Series B preferred stock and accretion of discount (26) (214)  Net income allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding including unvested share-based payment awards 23,336,008 16,292,166  Less: Unvested share-based payment awards - -  Average shares 23,336,008 16,292,166  Basic earnings per common share $ 0.03 $ 0.01   Diluted  Net earnings allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding for basic earnings per common share 23,336,008 16,292,166  Add: Dilutive effects of assumed exercises of stock options 216,147 190,407  Add: Dilutive effects of assumed exercises of stock warrants 1,139,925 1,152,125  Average shares and dilutive potential common shares 24,692,080 17,634,698  Diluted earnings per common share $ 0.03 $ 0.01  The following securities exercisable for or convertible into common shares were anti-dilutive and not considered in computing diluted earnings per common share :   Three months ended March 31,  2018 2017  (unaudited)  Stock options 5,056 5,446  Series B preferred stock - 6,857,143 
Dividend Restrictions	Dividend Restriction: Banking regulations require us to maintain certain capital levels and may limit the dividends paid by CFBank to the Holding Company or by the Holding Company to stockholders. The ability of the Holding Company to pay dividends on its common stock is generally dependent upon the receipt of dividends and other distributions from CFBank. CFBank is a legal entity that is separate and distinct from the Holding Company and has no obligation to make any dividends or other funds available to the Holding Company for the payment of dividends by the Holding Company. The Holding Company also is subject to various legal and regulatory policies and guidelines impacting the Holding Company’s ability to pay dividends on its stock. In addition, the Holding Company’s ability to pay dividends on its stock is conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities.    Effective October 6, 2017, all of the Holding Company’s outstanding shares of Series B Preferred Stock were converted into shares of Common Stock of the Company. The conversion of the Series B Preferred Stock resulted in the elimination of the non-cumulative preferred dividend payments on the Series B Preferred Stock beginning with the fourth quarter of 2017.
Adoption of New Accounting Standards	Adoption of New Accounting Standards: In May 2014 the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2014-09, Revenue from Contracts with Customers (Topic 606) . ASU No. 2014-09, including all subsequent amendments to the ASU, (i) creates a single framework for recognizing revenue from contracts with customers that fall within its scope and (ii) revises when it is appropriate to recognize a gain (loss) from the transfer of nonfinancial assets, such as OREO. The majority of the Company's revenues come from interest income and other sources, including loans, leases, securities and derivatives, that are outside the scope of ASC 606. The Company's services that fall within the scope of ASC 606, primarily service charges on deposits, are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. ASU 2014-09 became effective for us on January 1, 2018 and had no material effect on how we recognize revenue or to our consolidated financial statements and disclosures. See Note 2 – Revenue Recognition for additional information related to revenue generated from contracts with customers. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities . ASU 2016-01 amends the guidance in U.S. GAAP on the accounting for equity investments, financial liabilities under the fair value option and the presentations and disclosure requirements of financial instruments. ASU 2016-01 is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for the accounting guidance on financial liabilities under the fair value option. The Company adopted the methodologies prescribed by the ASU by the date required. Adoption of ASU No. 2016-01 did not have a significant effect on the Company’s consolidated financial statements . In August 2016, the FASB issued ASU 2016-15 , Statement of Cash Flows: Classification of Certain Cash Receipts and Cash Payments which may change how an entity classifies certain cash receipts and cash payments on its statement of cash flows to reduce diversity in practice. The update also provides guidance on when an entity should separate cash flows and classify them into more than one class and when an entity should classify the aggregate of those cash flows into a single class based on the predominance principle. The guidance in this ASU will become effective for interim and annual reporting periods beginning after December 15, 2017, with early adoption permitted. Adoption of ASU No. 2016-15 did not have a significant impact on the Company’s consolidated financial statements . The FASB has issued ASU No. 2017-09, Compensation—Stock Compensation (Topic 718): Scope of Modification Accounting. ASU 2017-09 applies to entities that change the terms or conditions of a share-based payment award. The FASB adopted ASU 2017-09 to provide clarity and reduce diversity in practice as well as cost and complexity when applying the guidance in Topic 718, Compensation—Stock Compensation, to the modification of the terms and conditions of a share-based payment award. The amendments are effective for all entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted, including adoption in any interim period for: (a) public business entities for reporting periods for which financial statements have not yet been issued, and (b) all other entities for reporting periods for which financial statements have not yet been made available for issuance. The amendments should be applied prospectively to an award modified on or after the adoption date. Adoption of ASU No. 2017-09 did not have a significant impact on the Company’s consolidated financial statements . Future Accounting Matters: On February 25, 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) . Under the new ASU, lessees will recognize lease assets and liabilities on their balance sheets for all leases with terms of more than 12 months. The new lessee accounting model retains two types of leases, and is consistent with the lessee accounting model under existing GAAP. One type of lease (finance leases) will be accounted for in substantially the same manner as capital leases are accounted for today. The other type of lease (operating leases) will be accounted for (both in the income statement and statement of cash flows) in a manner consistent with today’s operating leases. Lessor accounting under the new standard is fundamentally consistent with existing GAAP. Lessees and lessors would be required to provide additional qualitative and quantitative disclosures to help financial statement users assess the amount, timing, and uncertainty of cash flows arising from leases. These disclosures are intended to supplement the amounts recorded in the financial statements so that users can understand more about the nature of an organization’s leasing activities. For public business entities, the final lease standard will be effective for fiscal years beginning after December 15, 2018 including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the provision of the new lease standard and although we have not yet reasonably determined the estimated financial statement impact, due to the small number of lease agreements presently in effect for the Company, we believe the new guidance will not have a significant impact on the Company’s consolidated financial statements, including disclosures . In June 2016, the FASB issued ASU No. 2016-13 , Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . Once effective, ASU No. 2016-13 will significantly change current guidance for recognizing impairment of financial instruments. Current guidance requires an "incurred loss" methodology for recognizing credit losses that delays recognition until it is probable a loss has been incurred. ASU No. 2016-13 replaces the incurred loss impairment methodology with a new methodology that reflects expected credit losses over the lives of the loans and requires consideration of a broader range of information to inform credit loss estimates. The ASU requires an organization to estimate all expected credit losses for financial assets measured at amortized cost, including loans and held-to-maturity debt securities, based on historical experience, current conditions, and reasonable and supportable forecasts. Additional disclosures are required. ASU No. 2016-13 also amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. Under the new guidance, entities will determine whether all or a portion of the unrealized loss on an available-for-sale debt security is a credit loss. Any credit loss will be recognized as an allowance for credit losses on available-for-sale debt securities rather than as a direct reduction of the amortized cost basis of the investment, as is currently required. As a result, entities will recognize improvements to estimated credit losses on available-for-sale debt securities immediately in earnings rather than as interest income over time, as currently required. ASU No. 2016-13 eliminates the current accounting model for purchased credit impaired loans and debt securities. Instead, purchased financial assets with credit deterioration will be recorded gross of estimated credit losses as of the date of acquisition and the estimated credit losses amounts will be added to the allowance for credit losses. Thereafter, entities will account for additional impairment of such purchased assets using the models listed above. ASU No. 2016-13 will take effect for U.S. Securities and Exchange Commission (SEC) filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early application will be permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. While the Company generally expects that the implementation of ASU 2016-13 has the potential to increase its allowance for loan losses balance, the Company is continuing to evaluate the potential impact on the Company’s financial statements and disclosures. Management is currently assessing any additional data and system requirements necessary for adoption. At this time, the estimated impact on the Company’s consolidated financial statement, including disclosures, cannot be reasonably determined . The FASB has issued ASU No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities. The new standard is intended to improve and simplify accounting rules around hedge accounting. The new standard refines and expands hedge accounting for both financial (e.g., interest rate) and commodity risks. Its provisions create more transparency around how economic results are presented, both on the face of the financial statements and in the footnotes, for investors and analysts. The new standard takes effect for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018, for public companies and for fiscal years beginning after December 15, 2019 (and interim periods for fiscal years beginning after December 15, 2020), for private companies. Early adoption is permitted in any interim period or fiscal years before the effective date of the standard. Adoption of ASU No. 2017-12 is not expected to have a significant impact on the Company’s consolidated financial statements The FASB issued ASU No. 2018-02, Income Statement—Reporting Comprehensive Income (Topic 220)—Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . The ASU provides financial statement preparers with an option to reclassify stranded tax effects within AOCI to retained earnings in each period in which the effect of the change in the U.S. federal corporate income tax rate in the Tax Cuts and Jobs Act (or portion thereof) is recorded. The ASU requires financial statement preparers to disclose: · A description of the accounting policy for releasing income tax effects from AOCI; · Whether they elect to reclassify the stranded income tax effects from the Tax Cuts and Jobs Act; and · Information about the other income tax effects that are reclassified.  The amendments affect any organization that is required to apply the provisions of Topic 220, Income Statement—Reporting Comprehensive Income , and has items of other comprehensive income for which the related tax effects are presented in other comprehensive income as required by GAAP. The amendments are effective for all organizations for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted. Adoption of ASU No. 2018-02 is not expected to have a material impact on the Company’s consolidated financial statements. 
General Litigation	General Litigation The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. In the opinion of management , the disposition or ultimate resolution of such claims and lawsuits is not anticipated to have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.
Reclassifications	Reclassifications Reclassification of certain amounts in the 201 7 consolidated financial statements have been made to conform to the 201 8 presentation.

Summary Of Significant Accoun24

Summary Of Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2018
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Common Share	  Three months ended  March 31,  2018 2017  (unaudited)  Basic  Net income $ 792 $ 404  Dividends on Series B preferred stock and accretion of discount (26) (214)  Net income allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding including unvested share-based payment awards 23,336,008 16,292,166  Less: Unvested share-based payment awards - -  Average shares 23,336,008 16,292,166  Basic earnings per common share $ 0.03 $ 0.01   Diluted  Net earnings allocated to common stockholders $ 766 $ 190   Weighted average common shares outstanding for basic earnings per common share 23,336,008 16,292,166  Add: Dilutive effects of assumed exercises of stock options 216,147 190,407  Add: Dilutive effects of assumed exercises of stock warrants 1,139,925 1,152,125  Average shares and dilutive potential common shares 24,692,080 17,634,698  Diluted earnings per common share $ 0.03 $ 0.01 
Anti-Dilutive Common Shares	  Three months ended March 31,  2018 2017  (unaudited)  Stock options 5,056 5,446  Series B preferred stock - 6,857,143 

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2018
Securities [Abstract]
Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio	  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  March 31, 2018 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 10,998 $ - $ 136 $ 10,862  Mortgage-backed securities - residential 219 6 - 225  Collateralized mortgage obligations 96 2 - 98  Total $ 11,313 $ 8 $ 136 $ 11,185     Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  December 31, 2017  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,499 $ - $ 82 $ 11,417  Mortgage-backed securities - residential 236 8 - 244  Collateralized mortgage obligations 110 2 - 112  Total $ 11,845 $ 10 $ 82 $ 11,773 
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	   March 31, 2018 December 31, 2017  (unaudited)  Amortized Cost Fair Value Amortized Cost Fair Value  Due in one year or less $ 3,503 $ 3,486 $ 3,002 $ 2,993  Due from one to five years 7,495 7,376 8,497 8,424  Mortgage-backed securities - residential 219 225 236 244  Collateralized mortgage obligations 96 98 110 112  Total $ 11,313 $ 11,185 $ 11,845 $ 11,773 
Fair Value Of Securities Pledged	  March 31, 2018 December 31, 2017  (unaudited)  Pledged as collateral for:  FHLB advances $ 4,590 $ 4,641  Public deposits 2,007 2,018  Interest-rate swaps 133 145  Total $ 6,730 $ 6,804 
Securities With Unrealized Losses	    March 31, 2018 (unaudited) Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 6,900 $ 99 $ 3,962 $ 37 $ 10,862 $ 136  Total temporarily impaired $ 6,900 $ 99 $ 3,962 $ 37 $ 10,862 $ 136       December 31, 2017 Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 6,947 $ 51 $ 4,470 $ 31 $ 11,417 $ 82  Total temporarily impaired $ 6,947 $ 51 $ 4,470 $ 31 $ 11,417 $ 82  

Loans And Leases (Tables)

Loans And Leases (Tables)	3 Months Ended
	Mar. 31, 2018
Loans And Leases [Abstract]
Recorded Investment In Loans By Portfolio Segment	    March 31, 2018 December 31, 2017  ( unaudited)  Commercial (1) $ 100,732 $ 101,975  Real estate:  Single-family residential 99,409 95,578  Multi-family residential 40,018 35,665  Commercial 117,614 111,866  Construction 39,862 42,862  Consumer:  Home equity lines of credit 26,019 25,054  Other 5,817 376  Subtotal 429,471 413,376  Less: ALLL (6,976) (6,970)  Loans and leases, net $ 422,495 $ 406,406  (1) Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively. 
Activity In ALLL By Portfolio Segment	   Three months ended March 31, 2018 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,984 $ 912 $ 660 $ 2,143 $ 672 $ 597 $ 2 $ 6,970  Addition to (reduction in) provision for loan losses (117) 131 27 (4) (58) (84) 105 -  Charge-offs - (6) - - - - - (6)  Recoveries 2 2 - - - 8 - 12  Ending balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976    The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2017 :    Three months ended March 31, 2017 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,647 $ 735 $ 716 $ 2,727 $ 580 $ 486 $ 34 $ 6,925  Addition to (reduction in) provision for loan losses 121 115 (87) (236) 74 17 (4) -  Charge-offs - - - - - - - -  Recoveries - 16 - - - 1 - 17  Ending balance $ 1,768 $ 866 $ 629 $ 2,491 $ 654 $ 504 $ 30 $ 6,942  
Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method	The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of March 31, 2018 (unaudited):    Real Estate Consumer  Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total  ALLL:  Ending allowance balance attributable to loans:  Individually evaluated for impairment $ - $ - $ - $ 27 $ - $ - $ - $ 27  Collectively evaluated for impairment 1,869 1,039 687 2,112 614 521 107 6,949  Total ending allowance balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976   Loans:  Individually evaluated for impairment $ 211 $ 115 $ - $ 3,162 $ - $ - $ - $ 3,488  Collectively evaluated for impairment 100,521 99,294 40,018 114,452 39,862 26,019 5,817 425,983  Total ending loan balance $ 100,732 $ 99,409 $ 40,018 $ 117,614 $ 39,862 $ 26,019 $ 5,817 $ 429,471    The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 201 7 :    Real Estate Consumer  Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total  ALLL:  Ending allowance balance attributable to loans:  Individually evaluated for impairment $ - $ - $ - $ 26 $ - $ - $ - $ 26  Collectively evaluated for impairment 1,984 912 660 2,117 672 597 2 6,944  Total ending allowance balance $ 1,984 $ 912 $ 660 $ 2,143 $ 672 $ 597 $ 2 $ 6,970   Loans:  Individually evaluated for impairment $ 277 $ 116 $ - $ 3,183 $ - $ - $ - $ 3,576  Collectively evaluated for impairment 101,698 95,462 35,665 108,683 42,862 25,054 376 409,800  Total ending loan balance $ 101,975 $ 95,578 $ 35,665 $ 111,866 $ 42,862 $ 25,054 $ 376 $ 413,376  
Individually Evaluated For Impairment By Class Of Loans	The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended March 31, 2018. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2018. Cash payments of interest on these loans during the three months ended March 31, 2018 totaled $50 .   Three months ended  As of March 31, 2018 March 31, 2018  (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Real estate:  Commercial:  Owner occupied $ 388 $ 134 $ - $ 135 $ 5  Total with no allowance recorded 388 134 - 135 5   With an allowance recorded:  Commercial (1) 211 211 - 227 2  Real estate:  Single-family residential (1) 115 115 - 115 1  Commercial:  Non-owner occupied 2,841 2,841 26 2,847 39  Owner occupied 187 187 1 187 2  Total with an allowance recorded 3,354 3,354 27 3,376 44  Total $ 3,742 $ 3,488 $ 27 $ 3,511 $ 49 (1) Allowance recorded is less than $1 resulting in rounding to zero.  The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three months ended March 31, 2017. Cash payments of interest during the three months ended March 31, 2017 totaled $56 .   Three months ended  As of December 31, 2017 March 31, 2017  (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ $ $ $ 293 $ 2  Real estate:  Commercial:  Owner occupied 391 137 - 394 12  Total with no allowance recorded 391 137 - 687 14   With an allowance recorded:  Commercial 277 277 - 188 1  Real estate:  Single-family residential (1) 116 116 - 120 2  Multi-family residential - - - 36 1  Commercial:  Non-owner occupied 2,856 2,856 24 2,173 32  Owner occupied 190 190 2 1,025 2  Total with an allowance recorded 3,439 3,439 26 3,542 38  Total $ 3,830 $ 3,576 $ 26 $ 4,229 $ 52 (1) Allowance recorded is less than $1 resulting in rounding to zero.
Recorded Investment In Nonperforming Loans By Class Of Loans	    March 31, 2018 December 31, 2017  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 111 115  Real estate:  Single-family residential 193 253  Consumer:  Home equity lines of credit:  Purchased for portfolio 96 102  Total nonaccrual 400 470  Total nonaccrual and nonperforming loans $ 400 $ 470 
Aging Of Recorded Investment In Past Due Loans By Class Of Loans	The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of March 31, 2018 (unaudited):   30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due  Commercial $ - $ - $ - $ - $ 100,732 $ 111  Real estate:  Single-family residential 1,569 122 42 1,733 97,676 151  Multi-family residential - - - - 40,018 -  Commercial:  Non-owner occupied - - - - 72,876 -  Owner occupied - - - - 39,607 -  Land - - - - 5,131 -  Construction - - - - 39,862 -  Consumer:  Home equity lines of credit:  Originated for portfolio - - - - 25,568 -  Purchased for portfolio - - - - 451 96  Other - - - - 5,817 -  Total $ 1,569 $ 122 $ 42 $ 1,733 $ 427,738 $ 358   The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 201 7 :    30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due  Commercial $ - $ - $ - $ - $ 101,975 $ 115  Real estate:  Single-family residential 1,610 27 104 1,741 93,837 149  Multi-family residential - - - - 35,665 -  Commercial:  Non-owner occupied - - - - 67,792 -  Owner occupied - - - - 38,787 -  Land - - - - 5,287 -  Construction - - - - 42,862 -  Consumer:  Home equity lines of credit:  Originated for portfolio - - - - 24,592 -  Purchased for portfolio - - 102 102 360 -  Other 24 - - 24 352 -  Total $ 1,634 $ 27 $ 206 $ 1,867 $ 411,509 $ 264 
Loans Modified As TDRs By Class Of Loans	    March 31, 2018 December 31, 2017  (unaudited)  Commercial $ 111 $ 115  Total $ 111 $ 115 
Recorded Investment In Loans By Risk Category And Class Of Loans	  The recorded investment in loans and leases by risk category and by class of loans and leases as of March 31, 2018 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at March 31, 2018 .    (unaudited) Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 97,810 $ 2,711 $ 211 $ 100,732  Real estate:  Single-family residential 99,210 - - 199 99,409  Multi-family residential - 39,401 456 161 40,018  Commercial:  Non-owner occupied 81 67,582 4,385 828 72,876  Owner occupied - 38,295 992 320 39,607  Land - 5,131 - - 5,131  Construction 2,335 37,527 - - 39,862  Consumer:  Home equity lines of credit:  Originated for portfolio 25,494 - - 74 25,568  Purchased for portfolio 355 - - 96 451  Other 5,817 - - - 5,817  $ 133,292 $ 285,746 $ 8,544 $ 1,889 $ 429,471   The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 201 7 follows. There were no loans or leases rated doubtful at December 31, 201 7 .    Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 98,829 $ 2,869 $ 277 $ 101,975  Real estate:  Single-family residential 95,317 - - 261 95,578  Multi-family residential - 35,036 466 163 35,665  Commercial:  Non-owner occupied 88 65,161 1,711 832 67,792  Owner occupied - 37,453 1,008 326 38,787  Land - 5,287 - - 5,287  Construction 2,239 40,623 - - 42,862  Consumer:  Home equity lines of credit:  Originated for portfolio 24,516 - - 76 24,592  Purchased for portfolio 360 - - 102 462  Other 376 - - - 376  $ 122,896 $ 282,389 $ 6,054 $ 2,037 $ 413,376 
Components Of Net Investment In Direct Financing Leases	    March 31, 2018 December 31, 2017  (unaudited)  Total minimum lease payments to be received $ 6,640 $ 6,838  Less: unearned income (781) (830)  Net investment in direct financing leases $ 5,859 $ 6,008  (1) There were no initial direct costs associated with these leases.
Summary Of Future Minimum Lease Payments Receivable	  2018 $ 595  2019 793  2020 793  2021 793  2022 793  Thereafter 2,873  $ 6,640 

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2018
Fair Value [Abstract]
Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities	  Fair Value Measurements at March 31, 2018 using Significant Other Observable Inputs  (Level 2)  (unaudited)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 10,862  Mortgage-backed securities - residential 225  Collateralized mortgage obligations 98  Total securities available for sale $ 11,185   Loans held for sale 8,863   Yield maintenance provisions (embedded derivatives) $ 31   Interest rate lock commitments $ 247   Financial Liabilities:  Interest-rate swaps $ 31     Fair Value Measurements at December 31, 2017 using Significant Other Observable Inputs  (Level 2)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,417  Mortgage-backed securities - residential 244  Collateralized mortgage obligations 112  Total securities available for sale $ 11,773   Loans held for sale 1,124   Yield maintenance provisions (embedded derivatives) $ 56   Interest rate lock commitments $ 11   Financial Liabilities:  Interest-rate swaps $ 56 
Assets measured at fair value on a non-recurring basis	  Fair Value Measurements at March 31, 2018 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 111  Real Estate:  Single-family residential 115  Commercial:  Non-owner occupied 2,815  Total impaired loans $ 3,041     Fair Value Measurements at December 31, 2017 Using  Significant Unobservable Inputs (Level 3)   Impaired loans:  Commercial $ 115  Real Estate:  Single-family residential 116  Commercial:  Non-owner occupied 2,832  Total impaired loans $ 3,063 
Financial instruments measured at fair value on a non-recurring basis	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at March 31, 2018 (unaudited):   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 111 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single-family residential 115 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,815 Comparable sales approach Adjustment for differences between the comparable market transactions ( 3.48% , 9.64% ) 5.15%   The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 201 7 :   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 115 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single -family residential 116 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,832 Comparable sales approach Adjustment for differences between the comparable market transactions ( 3.48% , 9.64% ) 5.15% 
Aggregate fair value, contractual balance (including accrued interest) and gain or loss	   March 31, 2018 December 31, 2017  (unaudited)  Aggregate fair value $ 8,863 $ 1,124  Contractual balance 8,801 1,120  Gain (loss) $ 62 $ 4 
Amount of gains and losses from changes in fair value included in earnings	  Three months ended March 31,  2018 2017  (unaudited)  Interest income $ 25 $ 21  Interest expense - -  Change in fair value 58 (8)  Total change in fair value $ 83 $ 13 
Carrying amounts and estimated fair values of financial instruments	  Fair Value Measurements at March 31, 2018 Using:  Carrying  (unaudited) Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 70,396 $ 70,396 $ - $ - $ 70,396  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,185 - 11,185 - 11,185  Loans held for sale 8,863 - 8,863 - 8,863  Loans and leases, net 422,495 - - 420,492 420,492  FHLB and FRB stock 3,251 n/a n/a n/a n/a  Accrued interest receivable 1,387 14 55 1,318 1,387  Yield maintenance provisions (embedded derivatives) 31 - 31 - 31  Interest rate lock commitments 247 - 247 - 247   Financial liabilities  Deposits $ (461,045) $ (241,318) $ (217,818) $ - $ (459,136)  FHLB advances and other borrowings (19,500) - (19,817) - (19,817)  Advances by borrowers for taxes and insurance (236) - - (236) (236)  Subordinated debentures (5,155) - (4,278) - (4,278)  Accrued interest payable (117) (3) (114) - (117)  Interest-rate swaps (31) - (31) - (31)   The carrying amounts and estimated fair values of financial instruments at December 31, 201 7 were as follows:    Fair Value Measurements at December 31, 2017 Using:  Carrying  Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 45,498 $ 45,498 $ - $ - $ 45,498  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,773 - 11,773 - 11,773  Loans held for sale 1,124 - 1,124 - 1,124  Loans and leases, net 406,406 - - 402,719 402,719  FHLB stock 3,227 n/a n/a n/a n/a  Accrued interest receivable 1,326 27 38 1,261 1,326  Yield maintenance provisions (embedded derivatives) 56 - 56 - 56  Interest rate lock commitments 11 - 11 - 11   Financial liabilities  Deposits $ (419,028) $ (236,797) $ (181,659) $ - $ (418,456)  FHLB advances and other borrowings (13,500) - (13,466) - (13,466)  Advances by borrowers for taxes and insurance (489) - - (489) (489)  Subordinated debentures (5,155) - (4,094) - (4,094)  Accrued interest payable (79) (6) (73) - (79)  Interest-rate swaps (56) - (56) - (56) 

FHLB Advances And Other Debt (T

FHLB Advances And Other Debt (Tables)	3 Months Ended
	Mar. 31, 2018
FHLB Advances And Other Debt [Abstract]
Schedule Of FHLB Fixed Rate Advances And Other Debt	  Weighted  Average Rate March 31, 2018 December 31, 2017  FHLB fixed rate advances :  Maturities:  2019 1.62% $ 3,500 $ 3,500  2020 1.98% 4,500 4,500  2021 2.32% 4,000 4,000  2022 2.05% 1,500 1,500  Total FHLB fixed rate advances 13,500 13,500   Variable rate other debt:  Maturities:  2020 5.33% 6,000 -  Total variable rate other debt 6,000 -  Total $ 19,500 $ 13,500 

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2018
Stock-Based Compensation [Abstract]
Summary Of Stock Option Activity	   Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value  Outstanding at beginning of year 539,256 $ 1.44  Expired (200) 20.15  Cancelled or forfeited - -  Outstanding at end of period 539,056 $ 1.43 5.1 $ 501,460   Expected to vest - $ - - $ -   Exercisable at end of period 539,056 $ 1.43 5.1 $ 501,460 
Nonvested Restricted Shares Activity	   Nonvested Shares Shares Weighted Average Grant-Date Fair Value  Nonvested at January 1, 2018 464,661 $ 2.03  Forfeited (37,666) 2.20  Nonvested at March 31, 2018 426,995 $ 2.01 

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	3 Months Ended
	Mar. 31, 2018
Regulatory Capital Matters [Abstract]
Actual and required capital amounts and ratios of CFBank	  Actual Minimum Capital Required-Basel III Phase-In Schedule Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio  March 31, 2018 (unaudited)  Total Capital to risk weighted assets $ 54,531 13.05% $ 41,270 9.88% $ 43,860 10.50% $ 41,771 10.00%   Tier 1 (Core) Capital to risk weighted assets 49,287 11.80% 32,916 7.88% 35,506 8.50% 33,417 8.00%   Common equity tier 1 capital to risk-weighted assets 49,287 11.80% 26,650 6.38% 29,240 7.00% 27,151 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 49,287 10.21% 19,308 4.00% 19,308 4.00% 24,135 5.00%     Actual Minimum Capital Required-Basel III Phase-In Schedule Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio  December 31, 2017  Total Capital to risk weighted assets $ 48,271 11.91% $ 37,492 9.25% $ 42,559 10.50% $ 40,532 10.00%   Tier 1 (Core) Capital to risk weighted assets 43,179 10.65% 29,386 7.25% 34,452 8.50% 32,426 8.00%   Common equity tier 1 capital to risk-weighted assets 43,179 10.65% 23,306 5.75% 28,372 7.00% 26,346 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 43,179 9.37% 18,432 4.00% 18,432 4.00% 23,040 5.00%  

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2018
Derivative Instruments [Abstract]
Summary of derivative instruments	   March 31, 2018 December 31, 2017  (unaudited)  Notional amount $ 2,160 $ 2,185  Weighted average pay rate on interest-rate swaps 3.75% 3.75%  Weighted average receive rate on interest-rate swaps 1.84% 1.52%  Weighted average maturity (years) 1.9 2.1  Fair value of interest-rate swaps $ (31) $ (56)  Fair value of yield maintenance provisions 31 56 

Income Taxes (Tables)

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2018
Income Taxes [Abstract]
Summary of differences between income taxes at the federal statutory and effective tax rate	  For the three months ended March 31,  2018 2017  (unaudited)  Statutory tax rate 21.0% 34.0%  Increase (decrease) resulting from:  Tax exempt income on bank owned life insurance (0.7%) (1.8%)  Low income housing credits (1.0%) -  Other, net (0.2%) 1.8%  Effective tax rate 19.1% 34.0%  

Accumulated Other Comprehensi33

Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	  Changes in Accumulated Other Comprehensive Income by Component (1)   Three months ended  March 31,  2018 2017  (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (47) $ 2  Other comprehensive gain (loss) before reclassifications (2) (54) (1)  Net current-period other comprehensive income (loss) (54) (1)  Accumulated other comprehensive income (loss), end of period $ (101) $ 1  (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no am ounts reclassified out of other comprehensive income for the three months ended March 31, 201 8 and 201 7.

Summary Of Significant Accoun34

Summary Of Significant Accounting Policies (Earnings Per Common Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Basic
Net income	$ 792	$ 404
Dividends on Series B preferred stock and accretion of discount	(26)	(214)
Net income attributable to common stockholders	$ 766	$ 190
Weighted average common shares outstanding including unvested share-based payment awards	23,336,008	16,292,166
Less: Unvested share-based payment awards
Average shares	23,336,008	16,292,166
Basic earnings per common share	$ 0.03	$ 0.01
Diluted
Net earnings allocated to common stockholders	$ 766	$ 190
Add: Dilutive effects of assumed exercises of stock options	216,147	190,407
Add: Dilutive effects of assumed exercises of stock warrants	1,139,925	1,152,125
Average shares and dilutive potential common shares	24,692,080	17,634,698
Diluted earnings per common share	$ 0.03	$ 0.01

Summary Of Significant Accoun35

Summary Of Significant Accounting Policies (Anti-Dilutive Common Shares) (Details) - shares	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	5,056	5,446
Series B Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities		6,857,143

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale	$ 0	$ 0
Sales of securities	$ 0	$ 0
Issued by U.S. Government-Sponsored Entities and Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Minimum percentage of securities hold	10.00%		10.00%
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporarily impaired securities	$ 0		$ 0

Securities (Amortized Cost And

Securities (Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 11,313	$ 11,845
Gross Unrealized Gains	8	10
Gross Unrealized Losses	136	82
Fair Value	11,185	11,773
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	10,998	11,499
Gross Unrealized Losses	136	82
Fair Value	10,862	11,417
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	219	236
Gross Unrealized Gains	6	8
Fair Value	225	244
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	96	110
Gross Unrealized Gains	2	2
Fair Value	$ 98	$ 112

Securities (Amortized Cost an38

Securities (Amortized Cost and Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 3,503	$ 3,002
Due from one to five years, Amortized Cost	7,495	8,497
Available-for-sale Securities Total, Amortized Cost	11,313	11,845
Due in one year or less, Fair Value	3,486	2,993
Due from one to five years, Fair Value	7,376	8,424
Available-for-sale Securities Total, Fair Value	11,185	11,773
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	219	236
No single maturity, Fair Value	225	244
Available-for-sale Securities Total, Fair Value	225	244
Collateralized Mortgage Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	96	110
No single maturity, Fair Value	98	112
Available-for-sale Securities Total, Fair Value	$ 98	$ 112

Securities (Fair Value Of Secur

Securities (Fair Value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Pledged as collateral for:
FHLB advances	$ 4,590	$ 4,641
Public deposits	2,007	2,018
Interest-rate swaps	133	145
Total	$ 6,730	$ 6,804

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	$ 6,900	$ 6,947
Less than Twelve Months, Unrealized Loss	99	51
Twelve Months or More, Fair Value	3,962	4,470
Twelve Months or More, Unrealized Loss	37	31
Total, Fair Value	10,862	11,417
Total, Unrealized Loss	136	82
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	6,900	6,947
Less than Twelve Months, Unrealized Loss	99	51
Twelve Months or More, Fair Value	3,962	4,470
Twelve Months or More, Unrealized Loss	37	31
Total, Fair Value	10,862	11,417
Total, Unrealized Loss	$ 136	$ 82

Loans And Leases (Narrative) (D

Loans And Leases (Narrative) (Details)		3 Months Ended
		Mar. 31, 2018USD ($)loan	Mar. 31, 2017USD ($)	Dec. 31, 2017USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans		$ 422,495,000		$ 406,406,000
Cash payments of interest		50,000	$ 56,000
Loans 90 days or more past due and still accruing interest
Number of days of default payment		90 days
Total TDR's		$ 3,301,000		3,386,000
Allocated specific reserves to modified TDRs		26,000		25,000
Commitment to lend additional amounts		$ 0		0
Number of TDRs in payment default | loan		0
Recorded investment of loans undergoing modifications, not TDRs		$ 22,359,000	$ 12,915,000
Accruing TDR's		3,190,000		3,271,000
Loans And Leases Receivable Net Of Deferred Income		429,471,000		413,376,000
Doubtful [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans And Leases Receivable Net Of Deferred Income		$ 0		0
Northpointe [Member] | Mortgage Purchase Program Member [Member]
Accounts Notes And Loans Receivable [Line Items]
Percent of loans risk rated for capital adequacy		100.00%
Mortgage allowance		$ 0
Percent of participation agreement interest		95.00%
Ownership interest in each loan it participates		5.00%
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans And Leases Receivable Net Of Deferred Income		$ 99,409,000		95,578,000
Single-Family Residential [Member] | Northpointe [Member] | Mortgage Purchase Program Member [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans		28,284,000		37,665,000
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans And Leases Receivable Net Of Deferred Income	[1]	$ 100,732,000		$ 101,975,000
[1]	Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.

Loans And Leases (Recorded Inve

Loans And Leases (Recorded Investment In Loans By Portfolio Segment) (Details) - USD ($) $ in Thousands		Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Accounts Notes And Loans Receivable [Line Items]
Subtotal		$ 429,471	$ 413,376
Less: ALLL		(6,976)	(6,970)	$ (6,942)	$ (6,925)
Loans and leases, net		422,495	406,406
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		99,409	95,578
Less: ALLL		(1,039)	(912)	(866)	(735)
Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		40,018	35,665
Less: ALLL		(687)	(660)	(629)	(716)
Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		39,862	42,862
Less: ALLL		(614)	(672)	(654)	(580)
Home Equity Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		26,019	25,054
Less: ALLL		(521)	(597)	(504)	(486)
Commercial Leases [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		5,859	6,008
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	[1]	100,732	101,975
Less: ALLL		(1,869)	(1,984)	(1,768)	(1,647)
Real Estate Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		117,614	111,866
Less: ALLL		(2,139)	(2,143)	(2,491)	(2,727)
Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		5,817	376
Less: ALLL		$ (107)	$ (2)	$ (30)	$ (34)
[1]	Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.

Loans And Leases (Activity In A

Loans And Leases (Activity In ALLL By Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 6,970	$ 6,925
Addition to (reduction in) provision for loan losses
Charge-offs	(6)
Recoveries	12	17
Ending balance	6,976	6,942
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	912	735
Addition to (reduction in) provision for loan losses	131	115
Charge-offs	(6)
Recoveries	2	16
Ending balance	1,039	866
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	660	716
Addition to (reduction in) provision for loan losses	27	(87)
Charge-offs
Ending balance	687	629
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	672	580
Addition to (reduction in) provision for loan losses	(58)	74
Charge-offs
Recoveries
Ending balance	614	654
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	597	486
Addition to (reduction in) provision for loan losses	(84)	17
Charge-offs
Recoveries	8	1
Ending balance	521	504
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,984	1,647
Addition to (reduction in) provision for loan losses	(117)	121
Charge-offs
Recoveries	2
Ending balance	1,869	1,768
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,143	2,727
Addition to (reduction in) provision for loan losses	(4)	(236)
Charge-offs
Ending balance	2,139	2,491
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2	34
Addition to (reduction in) provision for loan losses	105	(4)
Charge-offs
Ending balance	$ 107	$ 30

Loans And Leases (Balance In AL

Loans And Leases (Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method) (Details) - USD ($) $ in Thousands		Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		$ 27	$ 26
Collectively evaluated for impairment		6,949	6,944
Total ending allowance balance		6,976	6,970	$ 6,942	$ 6,925
Individually evaluated for impairment		3,488	3,576
Collectively evaluated for impairment		425,983	409,800
Subtotal		429,471	413,376
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		1,039	912
Total ending allowance balance		1,039	912	866	735
Individually evaluated for impairment		115	116
Collectively evaluated for impairment		99,294	95,462
Subtotal		99,409	95,578
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		687	660
Total ending allowance balance		687	660	629	716
Collectively evaluated for impairment		40,018	35,665
Subtotal		40,018	35,665
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		614	672
Total ending allowance balance		614	672	654	580
Collectively evaluated for impairment		39,862	42,862
Subtotal		39,862	42,862
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		521	597
Total ending allowance balance		521	597	504	486
Collectively evaluated for impairment		26,019	25,054
Subtotal		26,019	25,054
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		1,869	1,984
Total ending allowance balance		1,869	1,984	1,768	1,647
Individually evaluated for impairment		211	277
Collectively evaluated for impairment		100,521	101,698
Subtotal	[1]	100,732	101,975
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		27	26
Collectively evaluated for impairment		2,112	2,117
Total ending allowance balance		2,139	2,143	2,491	2,727
Individually evaluated for impairment		3,162	3,183
Collectively evaluated for impairment		114,452	108,683
Subtotal		117,614	111,866
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		107	2
Total ending allowance balance		107	2	$ 30	$ 34
Collectively evaluated for impairment		5,817	376
Subtotal		$ 5,817	$ 376
[1]	Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.

Loans And Leases (Individually

Loans And Leases (Individually Evaluated For Impairment By Class Of Loans) (Details) - USD ($) $ in Thousands	3 Months Ended			12 Months Ended
	Mar. 31, 2018		Mar. 31, 2017	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 388			$ 391
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	3,354			3,439
Impaired Financing Receivable, Unpaid Principal Balance, Total	3,742			3,830
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	134			137
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,354			3,439
Impaired Financing Receivable, Recorded Investment, Total	3,488			3,576
Impaired Financing Receivable, Allocated Loans and Leases	27			26
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	135		$ 687
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,376		3,542
Impaired Financing Receivable, Average Recorded Investment, Total	3,511		4,229
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	5		14
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	44		38
Impaired Financing Receivable, Interest Income Recognized, Total	49		52
Impaired Financing Receivable Allocated Loans and Leases	27			26
Impaired financing receivable, rounding threshold	1			1
Single-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	115	[1]		116
Impaired Financing Receivable, with Related Allowance, Recorded Investment	115	[1]		116
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	115	[1]	120
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	1	[1]	2
Multi-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment			36
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized			1
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	2,841			2,856
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,841			2,856
Impaired Financing Receivable, Allocated Loans and Leases	26			24
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	2,847		2,173
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	39		32
Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	388			391
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	187			190
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	134			137
Impaired Financing Receivable, with Related Allowance, Recorded Investment	187			190
Impaired Financing Receivable, Allocated Loans and Leases	1			2
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	135		394
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	187		1,025
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	5		12
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	2		2
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	211	[1]		277
Impaired Financing Receivable, with Related Allowance, Recorded Investment	211	[1]		$ 277
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment			293
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	227	[1]	188
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized			2
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 2	[1]	$ 1
[1]	Allowance recorded is less than $1 resulting in rounding to zero.

Loans And Leases (Recorded In46

Loans And Leases (Recorded Investment In Nonperforming Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due over 90 days still on accrual
Total nonaccrual and nonperforming loans	400	470
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	193	253
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	96	102
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	400	470
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 111	$ 115

Loans And Leases (Aging Of Reco

Loans And Leases (Aging Of Recorded Investment In Past Due Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,733	$ 1,867
Loans Not Past Due	427,738	411,509
Nonaccrual Loans Not > 90 Days Past Due	358	264
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,733	1,741
Loans Not Past Due	97,676	93,837
Nonaccrual Loans Not > 90 Days Past Due	151	149
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	40,018	35,665
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	72,876	67,792
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	39,607	38,787
Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	5,131	5,287
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	39,862	42,862
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	25,568	24,592
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		102
Loans Not Past Due	451	360
Nonaccrual Loans Not > 90 Days Past Due	96
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,569	1,634
30 - 59 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,569	1,610
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	122	27
60 - 89 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	122	27
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	42	206
Greater than 90 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	42	104
Greater than 90 Days Past Due [Member] | Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		102
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	100,732	101,975
Nonaccrual Loans Not > 90 Days Past Due	111	115
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		24
Loans Not Past Due	$ 5,817	352
Other [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 24

Loans And Leases (Loans Modifie

Loans And Leases (Loans Modified As TDRs By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 3,301	$ 3,386
Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	111	115
Commercial [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 111	$ 115

Loans And Leases (Recorded In49

Loans And Leases (Recorded Investment In Loans By Risk Category And Class Of Loans) (Details) - USD ($) $ in Thousands		Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Loans		$ 429,471	$ 413,376
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		133,292	122,896
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		285,746	282,389
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		8,544	6,054
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		1,889	2,037
Single-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		99,409	95,578
Single-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		99,210	95,317
Single-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		199	261
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		40,018	35,665
Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		39,401	35,036
Multi-Family Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		456	466
Multi-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		161	163
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		72,876	67,792
Non-Owner Occupied [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		81	88
Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		67,582	65,161
Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		4,385	1,711
Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		828	832
Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		39,607	38,787
Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		38,295	37,453
Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		992	1,008
Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		320	326
Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		5,131	5,287
Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		5,131	5,287
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		39,862	42,862
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		2,335	2,239
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		37,527	40,623
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		25,568	24,592
Originated for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		25,494	24,516
Originated for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		74	76
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		451	462
Purchased for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		355	360
Purchased for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		96	102
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	[1]	100,732	101,975
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		97,810	98,829
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		2,711	2,869
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		211	277
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		5,817	376
Other [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		$ 5,817	$ 376
[1]	Includes $5,859 and $6,008 of commercial leases at March 31, 2018 and December 31, 2017, respectively.

Loans And Leases (Components Of

Loans And Leases (Components Of Net Investment In Direct Financing Leases) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Loans And Leases [Abstract]
Total minimum lease payments to be received	$ 6,640	$ 6,838
Less: unearned income	(781)	(830)
Net investment in direct financing leases	$ 5,859	$ 6,008

Loans And Leases (Summary Of Fu

Loans And Leases (Summary Of Future Minimum Lease Payments Receivable) (Details) $ in Thousands	Mar. 31, 2018USD ($)
Loans And Leases [Abstract]
2,018	$ 595
2,019	793
2,020	793
2,021	793
2,022	793
Thereafter	2,873
Future minimum lease payments	$ 6,640

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details)	3 Months Ended
	Mar. 31, 2018USD ($)	Mar. 31, 2017USD ($)	Dec. 31, 2017USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value assets and liabilities transfer level 1 to level 3	0		0
Fair value assets and liabilities transfer level 3 to level 1	0		0
Unpaid principal balance of impairment loan at collateral	$ 3,067,000		$ 3,087,000
Valuation allowance	26,000		24,000
Fair value option, 90 days or more past due	0		0
Write-downs of impaired collateral-dependent loans	0	$ 0
Loans 90 days or more past due and still accruing interest
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	0		0
Liabilities measured at fair value on a recurring basis	0		0
Assets measured at fair value on a nonrecurring basis	0		0
Liabilities measured at fair value on a nonrecurring basis	0		0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a nonrecurring basis	0		0
Liabilities measured at fair value on a nonrecurring basis	0		0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	0		0
Liabilities measured at fair value on a recurring basis	$ 0		$ 0

Fair Value (Assets And Liabilit

Fair Value (Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financial Assets:
Total securities available for sale	$ 11,185	$ 11,773
Yield maintenance provisions (embedded derivatives)	31	56
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	11,185	11,773
Yield maintenance provisions (embedded derivatives)	31	56
Interest rate lock commitments	247	11
Financial Liabilities:
Interest-rate swaps	31	56
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	11,185	11,773
Loans held for sale	8,863	1,124
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	10,862	11,417
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	225	244
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	98	112
Fair Value, Measurements, Recurring [Member] | Yield maintenance provisions (embedded derivatives) [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Yield maintenance provisions (embedded derivatives)	31	56
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments	247	11
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
Interest-rate swaps	$ 31	$ 56

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Impaired loans:
Total impaired loans	$ 3,742	$ 3,830
Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	3,041	3,063
Commercial [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	111	115
Single-Family Residential [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	115	116
Non-Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	$ 2,815	$ 2,832

Fair Value (Financial Instrumen

Fair Value (Financial Instruments Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2018	Dec. 31, 2017
Commercial [Member]
Impaired loans:
Impaired loans at Fair Value	$ 111	$ 115
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Commercial [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	3.48%	3.48%
Single-Family Residential [Member]
Impaired loans:
Impaired loans at Fair Value	$ 115	$ 116
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Single-Family Residential [Member] | Minimum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	1.81%	1.81%
Single-Family Residential [Member] | Maximum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	3.61%	3.61%
Single-Family Residential [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	2.91%	2.91%
Non-Owner Occupied [Member]
Impaired loans:
Impaired loans at Fair Value	$ 2,815	$ 2,832
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Non-Owner Occupied [Member] | Minimum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	3.48%	3.48%
Non-Owner Occupied [Member] | Maximum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	9.64%	9.64%
Non-Owner Occupied [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	5.15%	5.15%

Fair Value (Aggregate Fair Valu

Fair Value (Aggregate Fair Value, Contractual Balance (Including Accrued Interest) And Gain Or Loss) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Fair Value [Abstract]
Aggregate fair value	$ 8,863	$ 1,124
Contractual balance	8,801	1,120
Gain (loss)	$ 62	$ 4

Fair Value (Amount Of Gains And

Fair Value (Amount Of Gains And Losses From Changes In Fair Value Included In Earnings) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Fair Value [Abstract]
Interest income	$ 25	$ 21
Interest expense
Change in fair value	58	(8)
Total change in fair value	$ 83	$ 13

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Financial assets
Securities available for sale	$ 11,185	$ 11,773
Loans held for sale	8,863	1,124
Yield maintenance provisions (embedded derivatives)	31	56
Financial liabilities
Advances by borrowers for taxes and insurance	(236)	(489)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	70,396	45,498
Interest-bearing deposits in other financial institutions	100	100
Accrued interest receivable	14	27
Financial liabilities
Deposits	(241,318)	(236,797)
Accrued interest payable	(3)	(6)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities available for sale	11,185	11,773
Loans held for sale	8,863	1,124
Accrued interest receivable	55	38
Yield maintenance provisions (embedded derivatives)	31	56
Interest rate lock commitments	247	11
Financial liabilities
Deposits	(217,818)	(181,659)
FHLB advances and other borrowings	(19,817)	(13,466)
Subordinated debentures	(4,278)	(4,094)
Accrued interest payable	(114)	(73)
Interest-rate swaps	(31)	(56)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans and leases, net	420,492	402,719
Accrued interest receivable	1,318	1,261
Financial liabilities
Advances by borrowers for taxes and insurance	(236)	(489)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	70,396	45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,185	11,773
Loans held for sale	8,863	1,124
Loans and leases, net	422,495	406,406
FHLB and FRB stock	3,251	3,227
Accrued interest receivable	1,387	1,326
Yield maintenance provisions (embedded derivatives)	31	56
Interest rate lock commitments	247	11
Financial liabilities
Deposits	(461,045)	(419,028)
FHLB advances and other borrowings	(19,500)	(13,500)
Advances by borrowers for taxes and insurance	(236)	(489)
Subordinated debentures	(5,155)	(5,155)
Accrued interest payable	(117)	(79)
Interest-rate swaps	(31)	(56)
Estimate of Fair Value [Member]
Financial assets
Cash and cash equivalents	70,396	45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,185	11,773
Loans held for sale	8,863	1,124
Loans and leases, net	420,492	402,719
Accrued interest receivable	1,387	1,326
Yield maintenance provisions (embedded derivatives)	31	56
Interest rate lock commitments	247	11
Financial liabilities
Deposits	(459,136)	(418,456)
FHLB advances and other borrowings	(19,817)	(13,466)
Advances by borrowers for taxes and insurance	(236)	(489)
Subordinated debentures	(4,278)	(4,094)
Accrued interest payable	(117)	(79)
Interest-rate swaps	$ (31)	$ (56)

Subordinated Debentures (Detail

Subordinated Debentures (Details) - USD ($)	3 Months Ended
	Mar. 31, 2018	Dec. 31, 2017	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures	$ 5,155,000	$ 5,155,000	$ 5,155,000
Holding Company's investment in the common stock			$ 155,000
Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Holding Company, closed a pooled private offering			5,000
Trust preferred securities with a liquidation amount			$ 1
Subordinated Debt [Member]
Subsidiary, Sale of Stock [Line Items]
Maturity date of subordinated debentures	Dec. 30, 2033
Required principal payments over next five years	$ 0
Number of years with no principal repayment	5 years
Maximum number of years for deferred interest payments	5 years
Subordinated Debt [Member] | Subordinated debentures mature on December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Holding Company may redeem the subordinated debentures in a principal amount with integral multiples	$ 1
Percentage in which holding company redeem subordinated debentures	100.00%
Trust preferred securities and subordinated debentures have a stated percentage	5.16%	4.54%
Subordinated Debt [Member] | London Interbank Offered Rate (LIBOR) [Member] | Subordinated debentures mature on December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Trust preferred securities and subordinated debentures have a variable rate of interest	2.85%

FHLB Advances And Other Debt (N

FHLB Advances And Other Debt (Narrative) (Details) - Third-Party Bank [Member]	3 Months Ended
	Mar. 31, 2018USD ($)
Line of Credit Facility [Line Items]
Line of credit, borrowing capacity	$ 6,000,000
Line of credit outstanding	6,000,000
Capital contribution to subsidiary	$ 5,000,000
Variable rate spread	0.75%

FHLB Advances (Schedule Of FHLB

FHLB Advances (Schedule Of FHLB Fixed Rate Advances And Other Debt) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Dec. 31, 2017
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total debt	$ 19,500	$ 13,500
Federal Home Loan Bank Advances [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
2019, Weighted Average Rate	1.62%
2020, Weighted Average Rate	1.98%
2021, Weighted Average Rate	2.32%
2022, Weighted Average Rate	2.05%
Due in one year	$ 3,500	3,500
Due in two years	4,500	4,500
Due in three years	4,000	4,000
Due in four years	1,500	1,500
Total	13,500	$ 13,500
Line of Credit [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
2,020	6,000
Total debt	$ 6,000
Line of credit, interest rate	5.33%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2018USD ($)ShareBasedCompensationPlanshares	Mar. 31, 2017USD ($)shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Compensation cost | $	$ 96	$ 61
Total income tax effect recognized for share-based compensation arrangements | $	$ 20	$ 21
Shares available to be issued	1,500,000
Shares expired	200	300
Shares cancelled or forfeited
Nonvested stock options, expected to vest
2003 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	100,000
2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	384,981
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	10 years
Shares Granted	0	0
Stock Options Exercised	0	0
Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost | $	$ 739	$ 572
Shares issued	0	0
Shares, Forfeited	37,666	6,333
Shares, Vested	0	0
Restricted Stock [Member] | 2003 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	30,000
Restricted Stock [Member] | 2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	200,000
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year	539,256
Shares Cancelled or Forfeited
Shares Expired	(200)	(300)
Shares, Outstanding at end of year	539,056
Shares, Expected to vest
Shares, Exercisable at end of period	539,056
Weighted Average Exercise Price, Outstanding at Beginning Balance	$ 1.44
Weighted Average Exercise Price, Expired	20.15
Weighted Average Exercise Price, Cancelled or Forfeited
Weighted Average Exercise Price, Outstanding at Ending Balance	1.43
Weighted Average Exercise Price, Expected to Vest
Weighted Average Exercise Price, Exercisable at end of period	$ 1.43
Outstanding at end of period	5 years 1 month 6 days
Exercisable at end of period	5 years 1 month 6 days
Intrinsic value, Outstanding at end of year	$ 501,460
Intrinsic value, Expected to vest
Intrinsic value, Exercisable at end of period	$ 501,460

Stock-Based Compensation (Nonve

Stock-Based Compensation (Nonvested Restricted Shares Activity) (Details) - Restricted Stock [Member] - $ / shares	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Nonvested shares, beginning balance	464,661
Nonvested shares, forfeited	(37,666)	(6,333)
Nonvested shares, ending balance	426,995
Nonvested, weighted average grant date fair value, beginning balance	$ 2.03
Nonvested, weighted average grant date fair value, forfeited	2.20
Nonvested, weighted average grant date fair value, ending balance	$ 2.01

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Jan. 01, 2016
Regulatory Capital Matters [Abstract]
Common equity tier 1 capital to risk-weighted assets, ratio	4.50%
Capital conservation buffer	2.50%	0.625%
Common Equity Tier 1 capital to risk weighted assets, upon full implementation, ratio	7.00%
Tier 1 capital to risk-weighted assets, ratio	6.00%
Capital conservation buffer, Tier 1 capital	1.88%
Tier 1 capital to risk weighted assets, upon full implementation, ratio	8.50%
Total capital to risk-weighted assets, ratio	8.00%
Total capital to risk weighted assets, upon full implementation, ratio	10.50%
Minimum leverage ratio	4.00%
Capital conservative buffer phase period	4 years
Opening Balance in Liquidation Account	$ 14,300
Future percent, common equity of risk-weighted assets	2.50%

Regulatory Capital Matters (Act

Regulatory Capital Matters (Actual And Required Capital Amounts And Ratios Of CFBank) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Regulatory Capital Matters [Abstract]
Total Capital to risk weighted assets, Actual Amount	$ 54,531	$ 48,271
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	49,287	43,179
Common equity Tier 1 Capital to risk weighted assets, Actual Amount	49,287	43,179
Tier 1 (Core) Capital to adjusted total assets (Leverage Ratio), Actual Amount	$ 49,287	$ 43,179
Total Capital to risk weighted assets, Actual Ratio	13.05%	11.91%
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	11.80%	10.65%
Common equity Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	11.80%	10.65%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	10.21%	9.37%
Total Capital to risk weighted assets, Phase-In Schedule Amount	$ 41,270	$ 37,492
Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	32,916	29,386
Common equity Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	26,650	23,306
Tier 1 (Core) Capital to adjusted total assets, Phase-In Schedule Amount	$ 19,308	$ 18,432
Total Capital to risk weighted assets, Phase-In Schedule Ratio	9.88%	9.25%
Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Ratio	7.88%	7.25%
Common equity Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Ratio	6.38%	5.75%
Tier 1 (Core) Capital to adjusted total assets, Phase-In Schedule Ratio	4.00%	4.00%
Total Capital to risk weighted assets, Fully Phased-In Amount	$ 43,860	$ 42,559
Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	35,506	34,452
Common equity Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	29,240	28,372
Tier 1 (Core) Capital to adjusted total assets, Fully Phased-In Amount	$ 19,308	$ 18,432
Total Capital to risk weighted assets, Fully Phased-In Ratio	10.50%	10.50%
Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Ratio	8.50%	8.50%
Common equity Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Ratio	7.00%	7.00%
Tier 1 (Core) Capital to adjusted total assets, Fully Phased-In Ratio	4.00%	4.00%
Total Capital Required to be Well Capitalized, Amount	$ 41,771	$ 40,532
Tier One Risk Based Capital Required to be Well Capitalized	33,417	32,426
Common equity Tier One Risk Based Capital Required to be Well Capitalized	27,151	26,346
Tier One Leverage Capital Required to be Well Capitalized	$ 24,135	$ 23,040
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Common equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Derivative [Line Items]
Notional amount	$ 2,160,000		$ 2,185,000
Fair value of yield maintenance provisions	31,000		56,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	2,160,000		2,185,000
Net gains (losses) recognized in earnings	0	$ 0
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Notional amount	37,248,000		2,390,000
Fair value of yield maintenance provisions	247,000		$ 11,000
CF Bank [Member]
Derivative [Line Items]
Securities pledged as collateral	$ 633,000

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2018	Dec. 31, 2017
Derivative Instruments [Abstract]
Notional amount	$ 2,160	$ 2,185
Weighted average pay rate on interest-rate swaps	3.75%	3.75%
Weighted average receive rate on interest-rate swaps	1.84%	1.52%
Weighted average maturity (years)	1 year 10 months 24 days	2 years 1 month 6 days
Fair value of interest-rate swaps	$ (31)	$ (56)
Fair value of yield maintenance provisions	$ 31	$ 56

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	3 Months Ended			12 Months Ended
	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2017	Dec. 31, 2012
Income Taxes [Abstract]
Proceeds from sale of common stock					$ 22,500,000
Net operating loss carry forwards		$ 23,059,000		$ 23,059,000
Carryforwards utilize limit before the stock offering closed				163,000
Unutilized operating loss carryforwards that will expire		20,520,000		20,520,000
Reduced deferred tax assets and valuation allowance		6,977,000		6,977,000
Statutory income tax rate	21.00%		34.00%
Additional bad debt deductions (expense)				2,250,000
Impact of new taxes on bad debt expense		979,000
Deferred tax liability not recorded		473,000		473,000
Deferred tax asset	$ 1,600,000	1,600,000		1,600,000
Unrecognized Tax Benefits	$ 0	$ 0		$ 0
Effective tax rate	19.10%		34.00%

Income Taxes (Summary Of Differ

Income Taxes (Summary Of Differences Between Income Taxes At The Federal Statutory And Effective Tax Rate) (Details)	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Income Taxes [Abstract]
Statutory tax rate	21.00%	34.00%
Increase (decrease) resulting from:
Tax exempt income on bank owned life insurance	(0.70%)	(1.80%)
Low income housing credits	(1.00%)
Other, net	(0.20%)	1.80%
Effective tax rate	19.10%	34.00%

Accumulated Other Comprehensi71

Accumulated Other Comprehensive Income (Details) - USD ($)		3 Months Ended
		Mar. 31, 2018	Mar. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period		$ (47,000)
Other comprehensive loss, net of tax		(54,000)	$ (1,000)
Accumulated other comprehensive income (loss), end of period		(101,000)
Amount reclassified from accumulated other comprehensive income		0	0
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period	[1]	(47,000)	2,000
Other comprehensive gain (loss) before reclassifications	[1],[2]	(54,000)	(1,000)
Other comprehensive loss, net of tax	[1]	(54,000)	(1,000)
Accumulated other comprehensive income (loss), end of period	[1]	$ (101,000)	$ 1,000
[1]	All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income.
[2]	There were no amounts reclassified out of other comprehensive income for the three months ended March 31, 2018 and 2017.

Preferred Stock (Details)

Preferred Stock (Details) - USD ($)	Jul. 15, 2014	May 12, 2014	Jul. 15, 2014	Mar. 31, 2018	Dec. 31, 2017
Schedule of Capitalization, Equity [Line Items]
Aggregate value
Share conversion, original shares converted					480,000
Non-Cumulative Convertible Perpetual Preferred Stock Series B [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred stock rate				6.25%
Price per share				$ 25
Series B Preferred Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred Stock Shares Issued				0	0
Stock conversion, estimated preferred stock dividends eliminated quarterly					$ 187,500
Stock conversion, estimated preferred stock dividends eliminated annually					$ 750,000
Series B Preferred Stock [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred Stock Shares Issued	480,000	480,000	480,000	480,000
Aggregate value	$ 12,000,000	$ 12,000,000	$ 12,000,000
Expenses for issuance of stock	482,000	482,000
Other offering expenses	$ 149,000	$ 149,000
Proceeds from Issuance of Private Placement			$ 11,369,000
Common Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Shares issued upon conversion					6,857,143

Common Stock Warrants (Details)

Common Stock Warrants (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Dec. 31, 2017	Jul. 15, 2014	May 12, 2014
Class of Warrant or Right [Line Items]
Warrant, shares	467,800
Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Preferred stock, share issued	0	0
Common Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	1,152,125
Warrant Exercise Period	5 years
Exercise price of warrant	$ 1.85
Private Placement [Member] | Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	2
Warrant, value	$ 700
Warrant, shares	28,000
Preferred stock, share issued	480,000		480,000	480,000
Private Placement [Member] | Common Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	3.25
Warrant, value	$ 700
Warrant, shares	28,000