CF Bankshares (CFBK) 10-Q 9 Aug 18 2018 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2018	Aug. 01, 2018
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q2
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		23,384,714

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
ASSETS
Cash and cash equivalents	$ 32,739	$ 45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,614	11,773
Loans held for sale, at fair value	26,424	1,124
Loans and leases, net of allowance of $6,981 and $6,970	470,557	406,406
FHLB and FRB stock	3,251	3,227
Premises and equipment, net	3,678	3,533
Bank owned life insurance	5,133	5,065
Accrued interest receivable and other assets	5,433	4,699
Total assets	558,929	481,425
Deposits
Noninterest bearing	99,579	89,588
Interest bearing	388,546	329,440
Total deposits	488,125	419,028
FHLB advances and other debt	19,500	13,500
Advances by borrowers for taxes and insurance	225	489
Accrued interest payable and other liabilities	3,480	2,992
Subordinated debentures	5,155	5,155
Total liabilities	516,485	441,164
Commitments and contingent liabilities
Stockholders' equity
Common stock, $.01 par value; shares authorized: 50,000,000; shares issued: 23,537,073 at June 30, 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 June 30, 2018 and 0 at December 31, 2017
Additional paid-in capital	60,852	60,484
Accumulated deficit	(15,203)	(17,087)
Accumulated other comprehensive loss	(116)	(47)
Treasury stock, at cost; 152,359 shares of common stock at June 30, 2018 and December 31, 2017	(3,324)	(3,324)
Total stockholders' equity	42,444	40,261
Total liabilities and stockholder's equity	$ 558,929	$ 481,425

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Allowance for loans	$ 6,981	$ 6,970
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	23,537,073	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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Interest and dividend income
Loans and leases, including fees	$ 5,616	$ 4,040	$ 10,483	$ 7,719
Securities	47	47	90	95
FHLB and FRB stock dividends	48	41	95	63
Federal funds sold and other	156	56	303	164
Total interest and dividend income	5,867	4,184	10,971	8,041
Interest expense
Deposits	1,288	664	2,330	1,344
FHLB advances and other debt	165	66	257	127
Subordinated debentures	67	52	126	102
Total interest expense	1,520	782	2,713	1,573
Net interest income	4,347	3,402	8,258	6,468
Provision for loan and lease losses
Net interest income after provision for loan losses	4,347	3,402	8,258	6,468
Noninterest income
Service charges on deposit accounts	118	95	236	184
Net gains on sales of loans	509	24	817	47
Earnings on bank owned life insurance	35	34	68	67
Other	70	24	92	45
Total noninterest income	732	177	1,213	343
Noninterest expense
Salaries and employee benefits	2,013	1,492	3,910	2,906
Occupancy and equipment	182	181	349	333
Data processing	227	301	458	578
Franchise and other taxes	103	85	205	176
Professional fees	254	228	504	476
Director fees	98	73	195	142
Postage, printing and supplies	52	49	101	92
Advertising and marketing	370	32	637	49
Telephone	38	28	70	60
Loan expenses	28	41	43	79
Foreclosed assets, net		11		18
Depreciation	62	50	121	101
FDIC premiums	99	86	187	157
Regulatory assessment	35	32	69	64
Other insurance	19	23	41	49
Other	90	41	194	93
Total noninterest expense	3,670	2,753	7,084	5,373
Income before incomes taxes	1,409	826	2,387	1,438
Income tax expense	279	270	465	478
Net income	1,130	556	1,922	960
Dividends on Series B preferred stock and accretion of discount	(12)	(215)	(38)	(429)
Net income attributable to common stockholders	$ 1,118	$ 341	$ 1,884	$ 531
Earnings per common share:
Basic	$ 0.05	$ 0.02	$ 0.08	$ 0.03
Diluted	$ 0.05	$ 0.02	$ 0.08	$ 0.03

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 1,130	$ 556	$ 1,922	$ 960
Other comprehensive loss:
Unrealized holding losses arising during the period related to securities available for sale, net of tax of ($3) and ($1) and ($14) and ($1)	(15)	(2)	(69)	(3)
Other comprehensive loss, net of tax	(15)	(2)	(69)	(3)
Comprehensive income	$ 1,115	$ 554	$ 1,853	$ 957

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Consolidated Statements Of Comprehensive Income [Abstract]
Unrealized holding losses arising during the period related to securities available for sale, tax	$ (3)	$ (1)	$ (14)	$ (1)

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				960				960
Other comprehensive loss					(3)			(3)
Restricted stock expense, net of forfeitures			122					122
Cash dividends declared on Series B preferred stock and accretion of discount			54	(429)				(375)
Balance at Jun. 30, 2017	164		60,339	(17,236)	(1)	(3,275)	$ 5	39,996
Balance at Dec. 31, 2017	235		60,484	(17,087)	(47)	(3,324)		40,261
Net income				1,922				1,922
Other comprehensive loss					(69)			(69)
Issuance of 4,000 stock based incentive plan shares, net of forfeitures	(1)							(1)
Restricted stock expense, net of forfeitures			192					192
Stock option expense, net of forfeitures
Exercise of warrants to common stock	1		138					139
Cash dividends declared on Series B preferred stock and accretion of discount			38	(38)
Balance at Jun. 30, 2018	$ 235		$ 60,852	$ (15,203)	$ (116)	$ (3,324)		$ 42,444

Consolidated Statement Of Chan8

Consolidated Statement Of Changes In Stockholders' Equity (Parenthetical)	6 Months Ended
	Jun. 30, 2018shares
Consolidated Statement Of Changes In Stockholders' Equity [Abstract]
Issuance of stock based incentive plan shares, forfeitures	4,000

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows $ in Thousands	6 Months Ended
	Jun. 30, 2018USD ($)	Jun. 30, 2017USD ($)
Consolidated Statements Of Cash Flows [Abstract]
Net income	$ 1,922	$ 960
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan and lease losses
Depreciation	121	101
Amortization, net	(3)	(71)
Deferred income tax (benefit)	6	(73)
Originations of loans held for sale	(71,642)	(11,006)
Proceeds from sale of loans held for sale	47,159	13,217
Net gains on sales of loans	(817)	(47)
Write-down of premises and equipment	32
Loss on sale of foreclosed assets		7
Earnings on bank owned life insurance	(68)	(67)
Stock-based compensation expense	192	122
Net change in:
Accrued interest receivable and other assets	(734)	(1,666)
Accrued interest payable and other liabilities	488	1,150
Net cash from (used by) operating activities	(23,344)	2,627
Available-for-sale securities:
Maturities, prepayments and calls	1,558	1,114
Purchases	(1,475)
Loan and lease originations and payments, net	(44,478)	(19,638)
Loans purchased	(19,669)
Additions to premises and equipment	(299)	(66)
Purchase of FRB Stock	(24)	(1,244)
Proceeds from the sale of foreclosed assets		197
Net cash used by investing activities	(64,387)	(19,637)
Cash flows from financing activities
Net change in deposits	69,097	(6,053)
Proceeds from FHLB advances and other debt	48,100	16,100
Repayments on FHLB advances and other debt	(42,100)	(16,100)
Net change in advances by borrowers for taxes and insurance	(264)	(304)
Cash dividends paid on Series B preferred stock		(375)
Exercise of warrants to common stock	139
Net cash from (used by) financing activities	74,972	(6,732)
Net change in cash and cash equivalents	(12,759)	(23,742)
Beginning cash and cash equivalents	45,498	57,941
Ending cash and cash equivalents	32,739	34,199
Supplemental cash flow information:
Interest paid	2,619	1,595
Income tax paid	$ 200	405
Supplemental noncash disclosures:
Loans issued to finance the sale of repossessed assets		288
Dividends payable on Series B preferred stock		$ 187

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	6 Months Ended
	Jun. 30, 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 June 30, 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, 2017 (referred to herein as the “2017 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 disclosures. 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 Credits (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 Six months ended  June 30, June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Basic  Net income $ 1,130 $ 556 $ 1,922 $ 960  Dividends on Series B preferred stock and accretion of discount (12) (215) (38) (429)  Net income allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding including unvested share-based payment awards 23,367,150 16,288,577 23,351,665 16,290,361  Less: Unvested share-based payment awards - - - -  Average shares 23,367,150 16,288,577 23,351,665 16,290,361  Basic earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03   Diluted  Net earnings allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding for basic earnings per common share 23,367,150 16,288,577 23,351,665 16,290,361  Add: Dilutive effects of assumed exercises of stock options 226,742 180,409 221,444 185,408  Add: Dilutive effects of assumed exercises of stock warrants 1,091,975 1,152,125 1,112,025 1,152,125  Average shares and dilutive potential common shares 24,685,867 17,621,111 24,685,134 17,627,894  Diluted earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03  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 June 30, Six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Stock options 4,856 5,446 4,956 5,446  Series B preferred stock - 6,857,143 - 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. 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 became 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 were effective for all entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. 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 2017 consolidated financial statements have been made to conform to the 2018 presentation. 

Revenue Recognition

Revenue Recognition	6 Months Ended
	Jun. 30, 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	6 Months Ended
	Jun. 30, 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 June 30, 2018 and December 31, 2017 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  June 30, 2018 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,474 $ - $ 154 $ 11,320  Mortgage-backed securities - residential 203 6 - 209  Collateralized mortgage obligations 84 1 - 85  Total $ 11,761 $ 7 $ 154 $ 11,614    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 June 30, 2018 or June 30, 2017. There were no sales of securities for the three and six months ended June 30, 2018 and 2017. The amortized cost and fair value of debt securities at June 30, 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.    June 30, 2018 December 31, 2017  (unaudited)  Amortized Cost Fair Value Amortized Cost Fair Value  Due in one year or less $ 3,002 $ 2,987 $ 3,002 $ 2,993  Due from one to five years 8,472 8,333 8,497 8,424  Mortgage-backed securities - residential 203 209 236 244  Collateralized mortgage obligations 84 85 110 112  Total $ 11,761 $ 11,614 $ 11,845 $ 11,773  Fair value of securities pledged was as follows:   June 30, 2018 December 31, 2017  (unaudited)  Pledged as collateral for:  FHLB advances $ 4,564 $ 4,641  Public deposits 2,000 2,018  Interest-rate swaps 123 145  Total $ 6,687 $ 6,804  At June 30, 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 June 30, 2018 and December 31, 2017, aggregated by major security type and length of time in a continuous unrealized loss position.     June 30, 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 $ 7,363 114 $ 3,957 $ 40 $ 11,320 $ 154  Total temporarily impaired $ 7,363 $ 114 $ 3,957 $ 40 $ 11,320 $ 154      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 June 30, 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 June 30, 2018 and December 31, 2017.

Loans And Leases

Loans And Leases	6 Months Ended
	Jun. 30, 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.     June 30, 2018 December 31, 2017  ( unaudited)  Commercial (1) $ 116,858 $ 101,975  Real estate:  Single-family residential 104,195 95,578  Multi-family residential 45,907 35,665  Commercial 135,002 111,866  Construction 45,069 42,862  Consumer:  Home equity lines of credit 24,499 25,054  Other 6,008 376  Subtotal 477,538 413,376  Less: ALLL (6,981) (6,970)  Loans and leases, net $ 470,557 $ 406,406  (1) Includes $5,708 and $6,008 of commercial leases at June 30, 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 June 30, 2018 and December 31, 2017, CFBank held $34,710 and $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 2017 Audited Financial Statements. The following table presents the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2018:    Three months ended June 30, 2018 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976  Addition to (reduction in) provision for loan losses 20 - 10 10 - (40) - -  Charge-offs - - - - - - - -  Recoveries - - - - - 5 - 5  Ending balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981       Six months ended June 30, 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 (97) 131 37 6 (58) (124) 105 -  Charge-offs - (6) - - - - - (6)  Recoveries 2 2 - - - 13 - 17  Ending balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981   The following table presents the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2017:    Three months ended June 30, 2017 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,768 $ 866 $ 629 $ 2,491 $ 654 $ 504 $ 30 $ 6,942  Addition to (reduction in) provision for loan losses - 89 96 (126) (68) 37 (28) -  Charge-offs - - - - - - - -  Recoveries 2 1 - - - 13 - 16  Ending balance $ 1,770 $ 956 $ 725 $ 2,365 $ 586 $ 554 $ 2 $ 6,958      Six months ended June 30, 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 121 204 9 (362) 6 54 (32) -  Charge-offs - - - - - - - -  Recoveries 2 17 - - - 14 - 33  Ending balance $ 1,770 $ 956 $ 725 $ 2,365 $ 586 $ 554 $ 2 $ 6,958  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 June 30, 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 1,889 1,039 697 2,122 614 486 107 6,954  Total ending allowance balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981   Loans:  Individually evaluated for impairment $ 207 $ 113 $ - $ 3,160 $ - $ - $ - $ 3,480  Collectively evaluated for impairment 116,651 104,082 45,907 131,842 45,069 24,499 6,008 474,058  Total ending loan balance $ 116,858 $ 104,195 $ 45,907 $ 135,002 $ 45,069 $ 24,499 $ 6,008 $ 477,538  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, 2017:    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 June 30, 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 and six months ended June 30, 2018. Cash payments of interest on these loans during the three and six months ended June 30, 2018 totaled $4 8 and $9 9 , respectively .   Three months ended Six months ended  As of June 30, 2018 June 30, 2018 June 30, 2018  (unaudited) (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Real estate:  Commercial:  Owner occupied $ 385 $ 131 $ - $ 132 $ 5 133 10  Total with no allowance recorded 385 131 - 132 5 133 10   With an allowance recorded:  Commercial (1) 207 207 - 208 1 218 3  Real estate:  Single-family residential (1) 113 113 - 114 2 115 3  Multi-family residential (1) - - - - - - -  Commercial:  Non-owner occupied 2,844 2,844 25 2,844 39 2,845 78  Owner occupied 185 185 2 186 2 187 4  Total with an allowance recorded 3,349 3,349 27 3,352 44 3,365 88  Total $ 3,734 $ 3,480 $ 27 $ 3,484 $ 49 $ 3,498 $ 98 (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 and six months ended June 30, 2017. Cash payments of interest during the three and six months ended June 30, 2017 totaled $59 and $114 , respectively.   Three months ended Six months ended  As of December 31, 2017 June 30, 2017 June 30, 2017  (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ $ $ $ 2 $ - $ 5 $ -  Real estate:  Commercial:  Owner occupied 391 137 - 143 6 145 14  Total with no allowance recorded 391 137 - 145 6 150 14   With an allowance recorded:  Commercial 277 277 - 342 3 348 6  Real estate:  Single-family residential (1) 116 116 - 119 2 120 3  Multi-family residential - - - 34 1 35 1  Commercial:  Non-owner occupied 2,856 2,856 24 3,004 45 3,009 78  Owner occupied 190 190 2 1,101 4 1,162 10  Total with an allowance recorded 3,439 3,439 26 4,600 55 4,674 98  Total $ 3,830 $ 3,576 $ 26 $ 4,745 $ 61 $ 4,824 $ 112 (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:     June 30, 2018 December 31, 2017  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 108 115  Real estate:  Single-family residential 187 253  Consumer:  Home equity lines of credit:  Purchased for portfolio 93 102  Total nonaccrual 388 470  Total nonaccrual and nonperforming loans $ 388 $ 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 June 30, 2018 or December 31, 2017. The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of June 30, 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 $ - $ - $ - $ - $ 116,858 $ 108  Real estate:  Single-family residential 1,456 21 33 1,510 102,685 155  Multi-family residential - - - - 45,907 -  Commercial:  Non-owner occupied - - - - 85,335 -  Owner occupied - - - - 41,697 -  Land - - - - 7,970 -  Construction - - - - 45,069 -  Consumer:  Home equity lines of credit:  Originated for portfolio 293 101 - 394 23,662 -  Purchased for portfolio 34 - - 34 409 93  Other - - - - 6,008 -  Total $ 1,783 $ 122 $ 33 $ 1,938 $ 475,600 $ 356  The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2017:    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 June 30, 2018 and December 31, 2017, TDRs totaled $3,294 and $3,386 , respectively. The Company allocated $26 and $25 of specific reserves to loans whose terms had been modified in TDRs as of June 30, 2018 and December 31, 2017, respectively. The Company had not committed to lend any additional amounts as of June 30, 2018 or December 31, 2017 to customers with outstanding loans classified as nonaccrual TDRs. During the three months ended June 30, 2018 there were no loans modified as a TDR. During the three and six months ended June 30, 2017, one commercial real estate loan in the amount of $841 was modified as a TDR during the second quarter, where concessions were granted to a borrower experiencing financial difficulties. The loan was re-written at a lower interest rate than otherwise would have been offered on this credit grade in the current market. There were no TDRs in payment default or that became nonperforming during the quarters ended June 30, 2018 and June 30, 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 quarters ended June 30, 2018 and 2017 that did not meet the definition of a TDR. These loans had a total recorded investment of $21, 612 and $ 7,296 as of June 30, 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 June 30, 2018 and December 31, 2017, nonaccrual TDRs were as follows:     June 30, 2018 December 31, 2017  (unaudited)  Commercial $ 108 $ 115  Total $ 108 $ 115  Nonaccrual loans at June 30, 2018 and December 31, 2017 do not include $3,1 86 and $3,271 , respectively, of TDRs where customers have established a sustained period of repayment performance, generally six months, the loans 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 June 30, 2018 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at June 30, 2018.   (unaudited) Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 114,096 $ 2,555 $ 207 $ 116,858  Real estate:  Single-family residential 104,005 - - 190 104,195  Multi-family residential - 45,304 445 158 45,907  Commercial:  Non-owner occupied 79 80,050 4,365 841 85,335  Owner occupied - 40,398 983 316 41,697  Land - 7,970 - - 7,970  Construction 6,678 38,391 - - 45,069  Consumer:  Home equity lines of credit:  Originated for portfolio 23,982 - - 73 24,055  Purchased for portfolio 351 - - 93 444  Other 6,008 - - - 6,008  $ 141,103 $ 326,209 $ 8,348 $ 1,878 $ 477,538  The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2017 follows. There were no loans or leases rated doubtful at December 31, 2017.    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:     June 30, 2018 December 31, 2017  (unaudited)  Total minimum lease payments to be received (1) $ 6,442 $ 6,838  Less: unearned income (734) (830)  Net investment in direct financing leases $ 5,708 $ 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 $ 397  2019 793  2020 793  2021 793  2022 793  Thereafter 2,873  $ 6,442

Fair Value

Fair Value	6 Months Ended
	Jun. 30, 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). TBA mortgage – back securities: To mitigate the effect of the interest rate risk inherent in providing rate lock commitments to borrowers, the Company enters into either a forward sales contract to sell loans to investors when using best efforts or a TBA mortgage-backed security under mandatory delivery. The forward sales contracts lock in a price for the sale of loans with similar characteristics to the specific rate lock commitments based on a valuation model using observable market data for pricing commitments (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 June 30, 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 $ 11,320  Mortgage-backed securities - residential 209  Collateralized mortgage obligations 85  Total securities available for sale $ 11,614   Loans held for sale 26,424   Yield maintenance provisions (embedded derivatives) $ 17   Interest rate lock commitments $ 468   Financial Liabilities:  Interest-rate swaps $ 17  TBA Mortgage-back securities $ 168    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 June 30, 2018 or December 31, 2017. There were no transfers of assets or liabilities measured at fair value between levels during the periods ended June 30, 2018 and December 31, 2017. Assets and liabilities measured at fair value on a non-recurring basis are summarized below:   Fair Value Measurements at June 30, 2018 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 108  Real Estate:  Single-family residential 113  Commercial:  Non-owner occupied 2,818  Total impaired loans $ 3,039    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 June 30, 2018 or December 31, 2017. Impaired loans that are measured for impairment using the fair value of the collateral for collateral dependent loans , had a principal balance of $ 3,06 5 with a valuation allowance of $ 26 at June 30, 2018. There were no write-downs of impaired collateral dependent loans during the three and six months ended June 30, 2018 or 2017. 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, 2017. During the three and six months ended June 30, 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 June 30, 2018 (unaudited):   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 108 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single-family residential 113 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,818 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, 2017:   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 June 30, 2018 or December 31, 2017. As of June 30, 2018 and December 31, 2017, the aggregate fair value, contractual balance and gain or loss of loans held for sale were as follows:    June 30, 2018 December 31, 2017  (unaudited)  Aggregate fair value $ 26,424 $ 1,124  Contractual balance 26,146 1,120  Gain (loss) $ 278 $ 4  The total amount of gains and losses from changes in fair value included in earnings for the three and six months ended June 30, 2018 and 2017 for loans held for sale were:   Three months ended June 30, Six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Interest income $ 142 $ 8 $ 166 $ 29  Interest expense - - - -  Change in fair value 216 (1) 274 (9)  Total change in fair value $ 358 $ 7 $ 440 $ 20  The carrying amounts and estimated fair values of financial instruments at June 30, 2018 were as follows:    Fair Value Measurements at June 30, 2018 Using:  Carrying  (unaudited) Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 32,739 $ 32,739 $ - $ - $ 32,739  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,614 - 11,614 - 11,614  Loans held for sale 26,424 - 26,424 - 26,424  Loans and leases, net 470,557 - - 469,708 469,708  FHLB and FRB stock 3,251 n/a n/a n/a n/a  Accrued interest receivable 1,614 11 42 1,561 1,614  Yield maintenance provisions (embedded derivatives) 17 - 17 - 17  Interest rate lock commitments 468 - 468 - 468   Financial liabilities  Deposits $ (488,125) $ (249,896) $ (238,229) $ - $ (488,125)  FHLB advances and other borrowings (19,500) - (19,568) - (19,568)  Advances by borrowers for taxes and insurance (225) - - (225) (225)  Subordinated debentures (5,155) - (4,994) - (4,994)  Accrued interest payable (117) (3) (114) - (117)  Interest-rate swaps (17) - (17) - (17)  TBA mortgage-back securities (168) (168) (168)  The carrying amounts and estimated fair values of financial instruments at December 31, 2017 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 June 30, 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	6 Months Ended
	Jun. 30, 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 5.19% at June 30, 2018 and 4.54% at December 31, 2017. 

FHLB Advances And Other Debt

FHLB Advances And Other Debt	6 Months Ended
	Jun. 30, 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 June 30, 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 5.49% 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 CFBank to support growth. During the first quarter of 2018, the Holding Company had drawn $6,000 on the credit facility and downstreamed $5,000 as a capital contribution to CFBank. As of June 30, 2018, the outstanding principal balance under the credit facility was $6,000 . 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. During the latter part of July, the Holding Company increased the credit facility by $2,000 and may borrow up to an aggregate principal amount of $8,000 .

Stock-Based Compensation

Stock-Based Compensation	6 Months Ended
	Jun. 30, 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 $192 , respectively, for the three and six months ended June 30, 2018 and $62 and $122 , respectively, for the three and six months ended June 30, 2017. The total income tax effect was $ 20 and $40 , respectively, for the three and six months ended June 30, 2018 and $21 and $42 , respectively, for the three and six months ended June 30, 2017. 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 and six months ended June 30, 2018 and June 30, 2017 (unaudited). A summary of stock option activity in the Plans for the six months ended June 30, 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 (400) 20.15  Cancelled or forfeited - -  Outstanding at end of period 538,856 $ 1.42 4.9 $ 544,180   Expected to vest - $ - - $ -   Exercisable at end of period 538,856 $ 1.42 4.9 $ 544,180  During the six months ended June 30, 2018, there were 400 stock options that expired. There were 300 stock options that expired during the six months ended June 30, 2017. During the six months ended June 30, 2018 and June 30, 2017, there were no cancelled or forfeited stock options. As of June 30, 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 4,000 shares of restricted stock granted during the six months ended June 30, 2018. There was no shares of restricted stock issued during the six months ended June 30, 2017. A summary of changes in the Company’s nonvested restricted stock awards as of June 30, 2018 follows (unaudited):     Nonvested Shares Shares Weighted Average Grant-Date Fair Value  Nonvested at January 1, 2018 464,661 $ 2.03  Granted 4,000 2.44  Forfeited (43,999) 2.14  Nonvested at June 30, 2018 424,662 $ 2.02  As of June 30, 2018 and 2017, the unrecognized compensation cost related to nonvested restricted stock awards granted under the Plans was $ 642 and $511 , respectively. There were 43,999 shares of restricted stock forfeited during the six month period ended June 30, 2018 . There were 6,333 shares of restricted stock forfeited during the six months ended June 30, 2017. There were no shares of restricted stock that vested during the six months ended June 30, 2018 and 2017. There were 391,514 shares of common stock remaining available for stock option grants and restricted stock awards under the 2009 Plan at June 30, 2018. 

Regulatory Capital Matters

Regulatory Capital Matters	6 Months Ended
	Jun. 30, 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. The 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 June 30, 2018, the capital conservation buffer was 1.88% . The 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 June 30, 2018 and December 31, 2017 for CFBank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of June 30, 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  June 30, 2018 (unaudited)  Total Capital to risk weighted assets $ 56,709 11.97% $ 46,809 9.88% $ 49,746 10.50% $ 47,378 10.00%   Tier 1 (Core) Capital to risk weighted assets 50,722 10.71% 37,334 7.88% 40,271 8.50% 37,902 8.00%   Common equity tier 1 capital to risk-weighted assets 50,722 10.71% 30,227 6.38% 33,164 7.00% 30,795 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 50,722 9.56% 21,225 4.00% 21,225 4.00% 26,531 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 11-Income Taxes . 

Derivative Instruments

Derivative Instruments	6 Months Ended
	Jun. 30, 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 of $ 1,397 at June 30, 2018 and $2,185 at December 31, 2017. 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. The counterparty to CFBank’s interest-rate swaps is exposed to credit risk whenever the interest-rate swaps are in a liability position. At June 30, 2018, CFBank had $ 123 in securities 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 June 30, 2018, CFBank was well-capitalized under regulatory capital standards. Summary information about the derivative instruments is as follows:    June 30, 2018 December 31, 2017  (unaudited)  Notional amount $ 1,397 $ 2,185  Weighted average pay rate on interest-rate swaps 3.12% 3.75%  Weighted average receive rate on interest-rate swaps 2.09% 1.52%  Weighted average maturity (years) 2.5 2.1  Fair value of interest-rate swaps $ (17) $ (56)  Fair value of yield maintenance provisions 17 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 and six months ended June 30, 2018 or 2017. 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 $ 54,239 and $ 2,390 of interest rate lock commitments related to residential mortgage loans at June 30, 2018 and December 31, 2017, respectively. The fair value of these mortgage banking derivatives was reflected by a derivative asset of $ 468 and $11 at June 30, 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.  Mortgage banking activities include two types of commitments: rate lock commitments and forward loan commitments. Rate lock commitments are loans in our pipeline that have an interest rate locked with the customer. The commitments are generally for periods of 30-60 days and are at market rates. In order to mitigate the effect of the interest rate risk inherent in providing rate lock commitments, we economically hedge our commitments by entering into either a forward loan sales contract under best efforts or a trade of “to be announced (TBA)” mortgage-backed securities (“notional securities”) for mandatory delivery. The changes in fair value related to movements in market rates of the rate lock commitments and the forward loan sales contracts and notional securities generally move in opposite directions, and the net impact of changes in these valuations on net income during the loan commitment period is generally inconsequential. The Company has not formally designated these derivatives as a qualifying hedge relationship and, accordingly, accounts for such forward contracts as freestanding derivatives with changes in fair value recorded to earnings each period .  The following table reflects the amount and market value of mortgage banking derivatives included in the consolidated balance sheet as of the period end (in thousands):       June 30, 2018 December 31, 2017  Notional Fair Notional Fair  Amount Value Amount Value  Assets:  Interest Rate commitments $ 54,239 $ 468 $ 2,390 $ 11  Liabilities:  TBA mortgage-back securities $ 40,750 $ (168) $ - $ -    The following table represents the revenue recognized on mortgage activities for the three and six months ended June 30, 2018 and 2017:      Three months ended Six months ended  June 30, June 30,  2018 2017 2018 2017   Gain on loans sold $ 276 $ 16 $ 290 $ 39  Gain (loss) from change in fair value of loans held-for-sale 216 (1) 274 (9)  Gain (loss) from change in fair value of derivatives 17 9 253 17  $ 509 $ 24 $ 817 $ 47   

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2018
Income Taxes [Abstract]
Income Taxes	NOTE 11 – INCOME TAXES At June 30, 2018, the Company had a deferred tax asset recorded in the amount of $1,600 . At December 31, 2017, the Company had a deferred tax asset recorded of approximately $1,600 . At June 30, 2018 and December 31, 2017, 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 2014. 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 June 30, 2018 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 Holding Company. 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 2017, the Company had net operating loss carryforwards of $23,059 , which expire at various dates from 2024 to 2032. 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 totaled $473 at year-end 2017. 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 . The Company records 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 and six months ended June 30, 2018 was approximately 19.8% and 19.5% , respectively, and 32.7% and 33.2% , respectively, for the three and six months ended June 30, 2017, 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 and six months ended June 30, 2018 and 2017:    For the three months ended June 30, For the six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Statutory tax rate 21.0% 34.0% 21.0% 34.0%  Increase (decrease) resulting from:  Tax exempt income on bank owned life insurance (0.5%) (1.4%) (0.6)% (1.6)%  Low income housing credits (1.1%) - (1.0)%  Other, net 0.4% 0.1% 0.1% 0.8%  Effective tax rate 19.8% 32.7% 19.5% 33.2% 

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	6 Months Ended
	Jun. 30, 2018
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	NOTE 12- ACCUMULATED OTHER COMPREHENSIVE INCOME The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the three and six months ended June 30, 2018 and 2017 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 Six months ended  June 30, June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (101) $ 1 $ (47) $ 2  Other comprehensive loss before reclassifications (2) (15) (2) (69) (3)  Net current-period other comprehensive loss (15) (2) (69) (3)  Accumulated other comprehensive loss, end of period $ (116) $ (1) $ (116) $ (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 and six months ended June 30, 2018 and 2017.

Preferred Stock

Preferred Stock	6 Months Ended
	Jun. 30, 2018
Preferred Stock [Abstract]
Preferred Stock	NOTE 13 - PREFERRED STOCK Series B Preferred Stock: Commencing in April 2014, the Company 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 resulted in the elimination of the non-cumulative preferred dividend payments on the Series B Preferred Stock in the aggregate amount of approximately $187,500 quarterly, $750,000 annually beginning with the 4 th quarter of 2017 . 

Common Stock Warrants

Common Stock Warrants	6 Months Ended
	Jun. 30, 2018
Common Stock Warrants [Abstract]
Common Stock Warrants	NOTE 14 - 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. The Warrants 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 June 30, 2018, there were 432,050 Warrants outstanding.

Summary of Significant Accoun24

Summary of Significant Accounting Policies (Policy)	6 Months Ended
	Jun. 30, 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 June 30, 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, 2017 (referred to herein as the “2017 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 disclosures. 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 Credits (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 Six months ended  June 30, June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Basic  Net income $ 1,130 $ 556 $ 1,922 $ 960  Dividends on Series B preferred stock and accretion of discount (12) (215) (38) (429)  Net income allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding including unvested share-based payment awards 23,367,150 16,288,577 23,351,665 16,290,361  Less: Unvested share-based payment awards - - - -  Average shares 23,367,150 16,288,577 23,351,665 16,290,361  Basic earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03   Diluted  Net earnings allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding for basic earnings per common share 23,367,150 16,288,577 23,351,665 16,290,361  Add: Dilutive effects of assumed exercises of stock options 226,742 180,409 221,444 185,408  Add: Dilutive effects of assumed exercises of stock warrants 1,091,975 1,152,125 1,112,025 1,152,125  Average shares and dilutive potential common shares 24,685,867 17,621,111 24,685,134 17,627,894  Diluted earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03  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 June 30, Six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Stock options 4,856 5,446 4,956 5,446  Series B preferred stock - 6,857,143 - 6,857,143 
Dividend Restriction	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 And Future Accounting Matters	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. 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 became 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 were effective for all entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. 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 2017 consolidated financial statements have been made to conform to the 2018 presentation. 

Summary Of Significant Accoun25

Summary Of Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2018
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Common Share	  Three months ended Six months ended  June 30, June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Basic  Net income $ 1,130 $ 556 $ 1,922 $ 960  Dividends on Series B preferred stock and accretion of discount (12) (215) (38) (429)  Net income allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding including unvested share-based payment awards 23,367,150 16,288,577 23,351,665 16,290,361  Less: Unvested share-based payment awards - - - -  Average shares 23,367,150 16,288,577 23,351,665 16,290,361  Basic earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03   Diluted  Net earnings allocated to common stockholders $ 1,118 $ 341 $ 1,884 $ 531   Weighted average common shares outstanding for basic earnings per common share 23,367,150 16,288,577 23,351,665 16,290,361  Add: Dilutive effects of assumed exercises of stock options 226,742 180,409 221,444 185,408  Add: Dilutive effects of assumed exercises of stock warrants 1,091,975 1,152,125 1,112,025 1,152,125  Average shares and dilutive potential common shares 24,685,867 17,621,111 24,685,134 17,627,894  Diluted earnings per common share $ 0.05 $ 0.02 $ 0.08 $ 0.03 
Anti-Dilutive Common Shares	  Three months ended June 30, Six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Stock options 4,856 5,446 4,956 5,446  Series B preferred stock - 6,857,143 - 6,857,143 

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2018
Securities [Abstract]
Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio	  Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value  June 30, 2018 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 11,474 $ - $ 154 $ 11,320  Mortgage-backed securities - residential 203 6 - 209  Collateralized mortgage obligations 84 1 - 85  Total $ 11,761 $ 7 $ 154 $ 11,614    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	   June 30, 2018 December 31, 2017  (unaudited)  Amortized Cost Fair Value Amortized Cost Fair Value  Due in one year or less $ 3,002 $ 2,987 $ 3,002 $ 2,993  Due from one to five years 8,472 8,333 8,497 8,424  Mortgage-backed securities - residential 203 209 236 244  Collateralized mortgage obligations 84 85 110 112  Total $ 11,761 $ 11,614 $ 11,845 $ 11,773 
Fair Value Of Securities Pledged	  June 30, 2018 December 31, 2017  (unaudited)  Pledged as collateral for:  FHLB advances $ 4,564 $ 4,641  Public deposits 2,000 2,018  Interest-rate swaps 123 145  Total $ 6,687 $ 6,804 
Securities With Unrealized Losses	    June 30, 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 $ 7,363 114 $ 3,957 $ 40 $ 11,320 $ 154  Total temporarily impaired $ 7,363 $ 114 $ 3,957 $ 40 $ 11,320 $ 154      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)	6 Months Ended
	Jun. 30, 2018
Loans And Leases [Abstract]
Recorded Investment In Loans By Portfolio Segment	    June 30, 2018 December 31, 2017  ( unaudited)  Commercial (1) $ 116,858 $ 101,975  Real estate:  Single-family residential 104,195 95,578  Multi-family residential 45,907 35,665  Commercial 135,002 111,866  Construction 45,069 42,862  Consumer:  Home equity lines of credit 24,499 25,054  Other 6,008 376  Subtotal 477,538 413,376  Less: ALLL (6,981) (6,970)  Loans and leases, net $ 470,557 $ 406,406  (1) Includes $5,708 and $6,008 of commercial leases at June 30, 2018 and December 31, 2017, respectively. 
Activity In ALLL By Portfolio Segment	   Three months ended June 30, 2018 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,869 $ 1,039 $ 687 $ 2,139 $ 614 $ 521 $ 107 $ 6,976  Addition to (reduction in) provision for loan losses 20 - 10 10 - (40) - -  Charge-offs - - - - - - - -  Recoveries - - - - - 5 - 5  Ending balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981       Six months ended June 30, 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 (97) 131 37 6 (58) (124) 105 -  Charge-offs - (6) - - - - - (6)  Recoveries 2 2 - - - 13 - 17  Ending balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981   The following table presents the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2017:    Three months ended June 30, 2017 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total  Beginning balance $ 1,768 $ 866 $ 629 $ 2,491 $ 654 $ 504 $ 30 $ 6,942  Addition to (reduction in) provision for loan losses - 89 96 (126) (68) 37 (28) -  Charge-offs - - - - - - - -  Recoveries 2 1 - - - 13 - 16  Ending balance $ 1,770 $ 956 $ 725 $ 2,365 $ 586 $ 554 $ 2 $ 6,958      Six months ended June 30, 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 121 204 9 (362) 6 54 (32) -  Charge-offs - - - - - - - -  Recoveries 2 17 - - - 14 - 33  Ending balance $ 1,770 $ 956 $ 725 $ 2,365 $ 586 $ 554 $ 2 $ 6,958 
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 June 30, 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 1,889 1,039 697 2,122 614 486 107 6,954  Total ending allowance balance $ 1,889 $ 1,039 $ 697 $ 2,149 $ 614 $ 486 $ 107 $ 6,981   Loans:  Individually evaluated for impairment $ 207 $ 113 $ - $ 3,160 $ - $ - $ - $ 3,480  Collectively evaluated for impairment 116,651 104,082 45,907 131,842 45,069 24,499 6,008 474,058  Total ending loan balance $ 116,858 $ 104,195 $ 45,907 $ 135,002 $ 45,069 $ 24,499 $ 6,008 $ 477,538  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, 2017:    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 June 30, 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 and six months ended June 30, 2018. Cash payments of interest on these loans during the three and six months ended June 30, 2018 totaled $4 8 and $9 9 , respectively .   Three months ended Six months ended  As of June 30, 2018 June 30, 2018 June 30, 2018  (unaudited) (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Real estate:  Commercial:  Owner occupied $ 385 $ 131 $ - $ 132 $ 5 133 10  Total with no allowance recorded 385 131 - 132 5 133 10   With an allowance recorded:  Commercial (1) 207 207 - 208 1 218 3  Real estate:  Single-family residential (1) 113 113 - 114 2 115 3  Multi-family residential (1) - - - - - - -  Commercial:  Non-owner occupied 2,844 2,844 25 2,844 39 2,845 78  Owner occupied 185 185 2 186 2 187 4  Total with an allowance recorded 3,349 3,349 27 3,352 44 3,365 88  Total $ 3,734 $ 3,480 $ 27 $ 3,484 $ 49 $ 3,498 $ 98 (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 and six months ended June 30, 2017. Cash payments of interest during the three and six months ended June 30, 2017 totaled $59 and $114 , respectively.   Three months ended Six months ended  As of December 31, 2017 June 30, 2017 June 30, 2017  (unaudited) (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ $ $ $ 2 $ - $ 5 $ -  Real estate:  Commercial:  Owner occupied 391 137 - 143 6 145 14  Total with no allowance recorded 391 137 - 145 6 150 14   With an allowance recorded:  Commercial 277 277 - 342 3 348 6  Real estate:  Single-family residential (1) 116 116 - 119 2 120 3  Multi-family residential - - - 34 1 35 1  Commercial:  Non-owner occupied 2,856 2,856 24 3,004 45 3,009 78  Owner occupied 190 190 2 1,101 4 1,162 10  Total with an allowance recorded 3,439 3,439 26 4,600 55 4,674 98  Total $ 3,830 $ 3,576 $ 26 $ 4,745 $ 61 $ 4,824 $ 112 (1) Allowance recorded is less than $1 resulting in rounding to zero.
Recorded Investment In Nonperforming Loans By Class Of Loans	    June 30, 2018 December 31, 2017  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 108 115  Real estate:  Single-family residential 187 253  Consumer:  Home equity lines of credit:  Purchased for portfolio 93 102  Total nonaccrual 388 470  Total nonaccrual and nonperforming loans $ 388 $ 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 June 30, 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 $ - $ - $ - $ - $ 116,858 $ 108  Real estate:  Single-family residential 1,456 21 33 1,510 102,685 155  Multi-family residential - - - - 45,907 -  Commercial:  Non-owner occupied - - - - 85,335 -  Owner occupied - - - - 41,697 -  Land - - - - 7,970 -  Construction - - - - 45,069 -  Consumer:  Home equity lines of credit:  Originated for portfolio 293 101 - 394 23,662 -  Purchased for portfolio 34 - - 34 409 93  Other - - - - 6,008 -  Total $ 1,783 $ 122 $ 33 $ 1,938 $ 475,600 $ 356  The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2017:    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	    June 30, 2018 December 31, 2017  (unaudited)  Commercial $ 108 $ 115  Total $ 108 $ 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 June 30, 2018 and based on the most recent analysis performed follows. There were no loans or leases rated doubtful at June 30, 2018.   (unaudited) Not Rated Pass Special Mention Substandard Total  Commercial $ - $ 114,096 $ 2,555 $ 207 $ 116,858  Real estate:  Single-family residential 104,005 - - 190 104,195  Multi-family residential - 45,304 445 158 45,907  Commercial:  Non-owner occupied 79 80,050 4,365 841 85,335  Owner occupied - 40,398 983 316 41,697  Land - 7,970 - - 7,970  Construction 6,678 38,391 - - 45,069  Consumer:  Home equity lines of credit:  Originated for portfolio 23,982 - - 73 24,055  Purchased for portfolio 351 - - 93 444  Other 6,008 - - - 6,008  $ 141,103 $ 326,209 $ 8,348 $ 1,878 $ 477,538  The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2017 follows. There were no loans or leases rated doubtful at December 31, 2017.    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	    June 30, 2018 December 31, 2017  (unaudited)  Total minimum lease payments to be received (1) $ 6,442 $ 6,838  Less: unearned income (734) (830)  Net investment in direct financing leases $ 5,708 $ 6,008  (1) There were no initial direct costs associated with these leases.
Summary Of Future Minimum Lease Payments Receivable	  2018 $ 397  2019 793  2020 793  2021 793  2022 793  Thereafter 2,873  $ 6,442 

Fair Value (Tables)

Fair Value (Tables)	6 Months Ended
	Jun. 30, 2018
Fair Value [Abstract]
Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities	   Fair Value Measurements at June 30, 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 $ 11,320  Mortgage-backed securities - residential 209  Collateralized mortgage obligations 85  Total securities available for sale $ 11,614   Loans held for sale 26,424   Yield maintenance provisions (embedded derivatives) $ 17   Interest rate lock commitments $ 468   Financial Liabilities:  Interest-rate swaps $ 17  TBA Mortgage-back securities $ 168    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 June 30, 2018 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 108  Real Estate:  Single-family residential 113  Commercial:  Non-owner occupied 2,818  Total impaired loans $ 3,039    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 June 30, 2018 (unaudited):   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 108 Comparable sales approach Adjustment for differences between the comparable market transactions 3.48%  Real estate:  Single-family residential 113 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.81% , 3.61% ) 2.91%  Commercial:  Non-owner occupied 2,818 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, 2017:   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	   June 30, 2018 December 31, 2017  (unaudited)  Aggregate fair value $ 26,424 $ 1,124  Contractual balance 26,146 1,120  Gain (loss) $ 278 $ 4 
Amount of gains and losses from changes in fair value included in earnings	  Three months ended June 30, Six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Interest income $ 142 $ 8 $ 166 $ 29  Interest expense - - - -  Change in fair value 216 (1) 274 (9)  Total change in fair value $ 358 $ 7 $ 440 $ 20 
Carrying amounts and estimated fair values of financial instruments	   Fair Value Measurements at June 30, 2018 Using:  Carrying  (unaudited) Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 32,739 $ 32,739 $ - $ - $ 32,739  Interest-bearing deposits in other financial institutions 100 100 - - 100  Securities available for sale 11,614 - 11,614 - 11,614  Loans held for sale 26,424 - 26,424 - 26,424  Loans and leases, net 470,557 - - 469,708 469,708  FHLB and FRB stock 3,251 n/a n/a n/a n/a  Accrued interest receivable 1,614 11 42 1,561 1,614  Yield maintenance provisions (embedded derivatives) 17 - 17 - 17  Interest rate lock commitments 468 - 468 - 468   Financial liabilities  Deposits $ (488,125) $ (249,896) $ (238,229) $ - $ (488,125)  FHLB advances and other borrowings (19,500) - (19,568) - (19,568)  Advances by borrowers for taxes and insurance (225) - - (225) (225)  Subordinated debentures (5,155) - (4,994) - (4,994)  Accrued interest payable (117) (3) (114) - (117)  Interest-rate swaps (17) - (17) - (17)  TBA mortgage-back securities (168) (168) (168)  The carrying amounts and estimated fair values of financial instruments at December 31, 2017 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)	6 Months Ended
	Jun. 30, 2018
FHLB Advances And Other Debt [Abstract]
Schedule Of FHLB Fixed Rate Advances And Other Debt	  Weighted  Average Rate June 30, 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 5.49% 6,000 -  Total variable rate other debt 6,000 -  Total $ 19,500 $ 13,500 

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 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 (400) 20.15  Cancelled or forfeited - -  Outstanding at end of period 538,856 $ 1.42 4.9 $ 544,180   Expected to vest - $ - - $ -   Exercisable at end of period 538,856 $ 1.42 4.9 $ 544,180 
Nonvested Restricted Shares Activity	   Nonvested Shares Shares Weighted Average Grant-Date Fair Value  Nonvested at January 1, 2018 464,661 $ 2.03  Granted 4,000 2.44  Forfeited (43,999) 2.14  Nonvested at June 30, 2018 424,662 $ 2.02 

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	6 Months Ended
	Jun. 30, 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  June 30, 2018 (unaudited)  Total Capital to risk weighted assets $ 56,709 11.97% $ 46,809 9.88% $ 49,746 10.50% $ 47,378 10.00%   Tier 1 (Core) Capital to risk weighted assets 50,722 10.71% 37,334 7.88% 40,271 8.50% 37,902 8.00%   Common equity tier 1 capital to risk-weighted assets 50,722 10.71% 30,227 6.38% 33,164 7.00% 30,795 6.50%   Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 50,722 9.56% 21,225 4.00% 21,225 4.00% 26,531 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)	6 Months Ended
	Jun. 30, 2018
Derivative Instruments [Abstract]
Summary Of Derivative Instruments	   June 30, 2018 December 31, 2017  (unaudited)  Notional amount $ 1,397 $ 2,185  Weighted average pay rate on interest-rate swaps 3.12% 3.75%  Weighted average receive rate on interest-rate swaps 2.09% 1.52%  Weighted average maturity (years) 2.5 2.1  Fair value of interest-rate swaps $ (17) $ (56)  Fair value of yield maintenance provisions 17 56 
Schedule Of Mortgage Banking Derivatives	   June 30, 2018 December 31, 2017  Notional Fair Notional Fair  Amount Value Amount Value  Assets:  Interest Rate commitments $ 54,239 $ 468 $ 2,390 $ 11  Liabilities:  TBA mortgage-back securities $ 40,750 $ (168) $ - $ -   
Schedule Of Revenue Recognized On Mortgage Activities	  Three months ended Six months ended  June 30, June 30,  2018 2017 2018 2017   Gain on loans sold $ 276 $ 16 $ 290 $ 39  Gain (loss) from change in fair value of loans held-for-sale 216 (1) 274 (9)  Gain (loss) from change in fair value of derivatives 17 9 253 17  $ 509 $ 24 $ 817 $ 47  

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2018
Income Taxes [Abstract]
Summary of differences between income taxes at the federal statutory and effective tax rate	  For the three months ended June 30, For the six months ended June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Statutory tax rate 21.0% 34.0% 21.0% 34.0%  Increase (decrease) resulting from:  Tax exempt income on bank owned life insurance (0.5%) (1.4%) (0.6)% (1.6)%  Low income housing credits (1.1%) - (1.0)%  Other, net 0.4% 0.1% 0.1% 0.8%  Effective tax rate 19.8% 32.7% 19.5% 33.2%  

Accumulated Other Comprehensi34

Accumulated Other Comprehensive Income (Tables)	6 Months Ended
	Jun. 30, 2018
Accumulated Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	  Changes in Accumulated Other Comprehensive Income by Component (1)   Three months ended Six months ended  June 30, June 30,  2018 2017 2018 2017  (unaudited) (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (101) $ 1 $ (47) $ 2  Other comprehensive loss before reclassifications (2) (15) (2) (69) (3)  Net current-period other comprehensive loss (15) (2) (69) (3)  Accumulated other comprehensive loss, end of period $ (116) $ (1) $ (116) $ (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 and six months ended June 30, 2018 and 2017.

Summary Of Significant Accoun35

Summary Of Significant Accounting Policies (Earnings Per Common Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Basic
Net income	$ 1,130	$ 556	$ 1,922	$ 960
Dividends on Series B preferred stock and accretion of discount	(12)	(215)	(38)	(429)
Net income attributable to common stockholders	$ 1,118	$ 341	$ 1,884	$ 531
Weighted average common shares outstanding including unvested share-based payment awards	23,367,150	16,288,577	23,351,665	16,290,361
Less: Unvested share-based payment awards
Average shares	23,367,150	16,288,577	23,351,665	16,290,361
Basic earnings per common share	$ 0.05	$ 0.02	$ 0.08	$ 0.03
Diluted
Net earnings allocated to common stockholders	$ 1,118	$ 341	$ 1,884	$ 531
Add: Dilutive effects of assumed exercises of stock options	226,742	180,409	221,444	185,408
Add: Dilutive effects of assumed exercises of stock warrants	1,091,975	1,152,125	1,112,025	1,152,125
Average shares and dilutive potential common shares	24,685,867	17,621,111	24,685,134	17,627,894
Diluted earnings per common share	$ 0.05	$ 0.02	$ 0.08	$ 0.03

Summary Of Significant Accoun36

Summary Of Significant Accounting Policies (Anti-Dilutive Common Shares) (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	4,856	5,446	4,956	5,446
Series B Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities		6,857,143		6,857,143

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 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	$ 0	$ 0
Sales of securities	$ 0	$ 0	$ 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%		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	Jun. 30, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 11,761	$ 11,845
Gross Unrealized Gains	7	10
Gross Unrealized Losses	154	82
Fair Value	11,614	11,773
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	11,474	11,499
Gross Unrealized Losses	154	82
Fair Value	11,320	11,417
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	203	236
Gross Unrealized Gains	6	8
Fair Value	209	244
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	84	110
Gross Unrealized Gains	1	2
Fair Value	$ 85	$ 112

Securities (Amortized Cost an39

Securities (Amortized Cost and Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 3,002	$ 3,002
Due from one to five years, Amortized Cost	8,472	8,497
Available-for-sale Securities Total, Amortized Cost	11,761	11,845
Due in one year or less, Fair Value	2,987	2,993
Due from one to five years, Fair Value	8,333	8,424
Available-for-sale Securities Total, Fair Value	11,614	11,773
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	203	236
No single maturity, Fair Value	209	244
Available-for-sale Securities Total, Fair Value	209	244
Collateralized Mortgage Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	84	110
No single maturity, Fair Value	85	112
Available-for-sale Securities Total, Fair Value	$ 85	$ 112

Securities (Fair Value Of Secur

Securities (Fair Value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Pledged as collateral for:
FHLB advances	$ 4,564	$ 4,641
Public deposits	2,000	2,018
Interest-rate swaps	123	145
Total	$ 6,687	$ 6,804

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	$ 7,363	$ 6,947
Less than Twelve Months, Unrealized Loss	114	51
Twelve Months or More, Fair Value	3,957	4,470
Twelve Months or More, Unrealized Loss	40	31
Total, Fair Value	11,320	11,417
Total, Unrealized Loss	154	82
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	7,363	6,947
Less than Twelve Months, Unrealized Loss	114	51
Twelve Months or More, Fair Value	3,957	4,470
Twelve Months or More, Unrealized Loss	40	31
Total, Fair Value	11,320	11,417
Total, Unrealized Loss	$ 154	$ 82

Loans And Leases (Narrative) (D

Loans And Leases (Narrative) (Details)		3 Months Ended		6 Months Ended
		Jun. 30, 2018USD ($)loan	Jun. 30, 2017USD ($)loan	Jun. 30, 2018USD ($)loan	Jun. 30, 2017USD ($)loan	Dec. 31, 2017USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans		$ 470,557,000		$ 470,557,000		$ 406,406,000
Cash payments of interest		48,000	$ 59,000	99,000	$ 114,000
Loans 90 days or more past due and still accruing interest
Number of days of default payment				90 days
Total TDR's		3,294,000		$ 3,294,000		3,386,000
Allocated specific reserves to modified TDRs		26,000		26,000		25,000
Commitment to lend additional amounts		$ 0		$ 0		0
Number of loans modified as a TDR | loan		0	1		1
Loans modified as TDR, amount			$ 841,000		$ 841,000
Number of TDRs in payment default | loan				0	0
Recorded investment of loans undergoing modifications, not TDRs		$ 21,612,000	$ 7,296,000	$ 21,612,000	$ 7,296,000
Accruing TDR's		3,186,000		3,186,000		3,271,000
Loans And Leases Receivable Net Of Deferred Income		477,538,000		477,538,000		413,376,000
Doubtful [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans And Leases Receivable Net Of Deferred Income		0		$ 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		$ 0
Percent of participation agreement interest		95.00%		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		$ 104,195,000		$ 104,195,000		95,578,000
Single-Family Residential [Member] | Northpointe [Member] | Mortgage Purchase Program Member [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans		34,710,000		34,710,000		37,665,000
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans And Leases Receivable Net Of Deferred Income	[1]	$ 116,858,000		$ 116,858,000		$ 101,975,000
[1]	Includes $5,708 and $6,008 of commercial leases at June 30, 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		Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016
Accounts Notes And Loans Receivable [Line Items]
Subtotal		$ 477,538		$ 413,376
Less: ALLL		(6,981)	$ (6,976)	(6,970)	$ (6,958)	$ (6,942)	$ (6,925)
Loans and leases, net		470,557		406,406
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		104,195		95,578
Less: ALLL		(1,039)	(1,039)	(912)	(956)	(866)	(735)
Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		45,907		35,665
Less: ALLL		(697)	(687)	(660)	(725)	(629)	(716)
Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		45,069		42,862
Less: ALLL		(614)	(614)	(672)	(586)	(654)	(580)
Home Equity Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		24,499		25,054
Less: ALLL		(486)	(521)	(597)	(554)	(504)	(486)
Commercial Leases [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		5,708		6,008
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	[1]	116,858		101,975
Less: ALLL		(1,889)	(1,869)	(1,984)	(1,770)	(1,768)	(1,647)
Real Estate Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		135,002		111,866
Less: ALLL		(2,149)	(2,139)	(2,143)	(2,365)	(2,491)	(2,727)
Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal		6,008		376
Less: ALLL		$ (107)	$ (107)	$ (2)	$ (2)	$ (30)	$ (34)
[1]	Includes $5,708 and $6,008 of commercial leases at June 30, 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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 6,976	$ 6,942	$ 6,970	$ 6,925
Addition to (reduction in) provision for loan losses
Charge-offs			(6)
Recoveries	5	16	17	33
Ending balance	6,981	6,958	6,981	6,958
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,039	866	912	735
Addition to (reduction in) provision for loan losses		89	131	204
Charge-offs			(6)
Recoveries		1	2	17
Ending balance	1,039	956	1,039	956
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	687	629	660	716
Addition to (reduction in) provision for loan losses	10	96	37	9
Charge-offs
Ending balance	697	725	697	725
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	614	654	672	580
Addition to (reduction in) provision for loan losses		(68)	(58)	6
Charge-offs
Recoveries
Ending balance	614	586	614	586
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	521	504	597	486
Addition to (reduction in) provision for loan losses	(40)	37	(124)	54
Charge-offs
Recoveries	5	13	13	14
Ending balance	486	554	486	554
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,869	1,768	1,984	1,647
Addition to (reduction in) provision for loan losses	20		(97)	121
Charge-offs
Recoveries		2	2	2
Ending balance	1,889	1,770	1,889	1,770
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,139	2,491	2,143	2,727
Addition to (reduction in) provision for loan losses	10	(126)	6	(362)
Charge-offs
Ending balance	2,149	2,365	2,149	2,365
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	107	30	2	34
Addition to (reduction in) provision for loan losses		(28)	105	(32)
Charge-offs
Ending balance	$ 107	$ 2	$ 107	$ 2

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		Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 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		6,954		6,944
Total ending allowance balance		6,981	$ 6,976	6,970	$ 6,958	$ 6,942	$ 6,925
Individually evaluated for impairment		3,480		3,576
Collectively evaluated for impairment		474,058		409,800
Subtotal		477,538		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	1,039	912	956	866	735
Individually evaluated for impairment		113		116
Collectively evaluated for impairment		104,082		95,462
Subtotal		104,195		95,578
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		697		660
Total ending allowance balance		697	687	660	725	629	716
Collectively evaluated for impairment		45,907		35,665
Subtotal		45,907		35,665
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		614		672
Total ending allowance balance		614	614	672	586	654	580
Collectively evaluated for impairment		45,069		42,862
Subtotal		45,069		42,862
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		486		597
Total ending allowance balance		486	521	597	554	504	486
Collectively evaluated for impairment		24,499		25,054
Subtotal		24,499		25,054
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		1,889		1,984
Total ending allowance balance		1,889	1,869	1,984	1,770	1,768	1,647
Individually evaluated for impairment		207		277
Collectively evaluated for impairment		116,651		101,698
Subtotal	[1]	116,858		101,975
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		27		26
Collectively evaluated for impairment		2,122		2,117
Total ending allowance balance		2,149	2,139	2,143	2,365	2,491	2,727
Individually evaluated for impairment		3,160		3,183
Collectively evaluated for impairment		131,842		108,683
Subtotal		135,002		111,866
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		107		2
Total ending allowance balance		107	$ 107	2	$ 2	$ 30	$ 34
Collectively evaluated for impairment		6,008		376
Subtotal		$ 6,008		$ 376
[1]	Includes $5,708 and $6,008 of commercial leases at June 30, 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			6 Months Ended			12 Months Ended
		Jun. 30, 2018		Jun. 30, 2017	Jun. 30, 2018		Jun. 30, 2017	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance		$ 385			$ 385			$ 391
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance		3,349			3,349			3,439
Impaired Financing Receivable, Unpaid Principal Balance, Total		3,734			3,734			3,830
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		131			131			137
Impaired Financing Receivable, with Related Allowance, Recorded Investment		3,349			3,349			3,439
Impaired Financing Receivable, Recorded Investment, Total		3,480			3,480			3,576
Impaired Financing Receivable, ALL Allocated		27			27			26
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment		132		$ 145	133		$ 150
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		3,352		4,600	3,365		4,674
Impaired Financing Receivable, Average Recorded Investment, Total		3,484		4,745	3,498		4,824
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized		5		6	10		14
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized		44		55	88		98
Impaired Financing Receivable, Interest Income Recognized, Total		49		61	98		112
Impaired Financing Receivable Allocated Loans and Leases		27			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		113	[1]		113	[1]		116
Impaired Financing Receivable, with Related Allowance, Recorded Investment		113	[1]		113	[1]		116
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		114	[1]	119	115	[1]	120
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized		2	[1]	2	3	[1]	3
Multi-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	[1]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	[1]
Impaired Financing Receivable, ALL Allocated	[1]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment			[1]	34		[1]	35
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized			[1]	1		[1]	1
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance		2,844			2,844			2,856
Impaired Financing Receivable, with Related Allowance, Recorded Investment		2,844			2,844			2,856
Impaired Financing Receivable, ALL Allocated		25			25			24
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		2,844		3,004	2,845		3,009
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized		39		45	78		78
Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance		385			385			391
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance		185			185			190
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		131			131			137
Impaired Financing Receivable, with Related Allowance, Recorded Investment		185			185			190
Impaired Financing Receivable, ALL Allocated		2			2			2
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment		132		143	133		145
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		186		1,101	187		1,162
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized		5		6	10		14
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized		2		4	4		10
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance		207	[1]		207	[1]		277
Impaired Financing Receivable, with Related Allowance, Recorded Investment		207	[1]		207	[1]		$ 277
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment				2			5
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		208	[1]	342	218	[1]	348
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized		$ 1	[1]	$ 3	$ 3	[1]	$ 6
[1]	Allowance recorded is less than $1 resulting in rounding to zero.

Loans And Leases (Recorded In47

Loans And Leases (Recorded Investment In Nonperforming Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Jun. 30, 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	388	470
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	187	253
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	93	102
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	388	470
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 108	$ 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	Jun. 30, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,938	$ 1,867
Loans Not Past Due	475,600	411,509
Nonaccrual Loans Not > 90 Days Past Due	356	264
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,510	1,741
Loans Not Past Due	102,685	93,837
Nonaccrual Loans Not > 90 Days Past Due	155	149
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	45,907	35,665
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	85,335	67,792
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	41,697	38,787
Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	7,970	5,287
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	45,069	42,862
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	394
Loans Not Past Due	23,662	24,592
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	34	102
Loans Not Past Due	409	360
Nonaccrual Loans Not > 90 Days Past Due	93
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,783	1,634
30 - 59 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,456	1,610
30 - 59 Days Past Due [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	293
30 - 59 Days Past Due [Member] | Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	34
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	21	27
60 - 89 Days Past Due [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	101
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	33	206
Greater than 90 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	33	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	116,858	101,975
Nonaccrual Loans Not > 90 Days Past Due	108	115
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		24
Loans Not Past Due	$ 6,008	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	Jun. 30, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 3,294	$ 3,386
Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	108	115
Commercial [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 108	$ 115

Loans And Leases (Recorded In50

Loans And Leases (Recorded Investment In Loans By Risk Category And Class Of Loans) (Details) - USD ($) $ in Thousands		Jun. 30, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Loans		$ 477,538	$ 413,376
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		141,103	122,896
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		326,209	282,389
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		8,348	6,054
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		1,878	2,037
Single-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		104,195	95,578
Single-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		104,005	95,317
Single-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		190	261
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		45,907	35,665
Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		45,304	35,036
Multi-Family Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		445	466
Multi-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		158	163
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		85,335	67,792
Non-Owner Occupied [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		79	88
Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		80,050	65,161
Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		4,365	1,711
Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		841	832
Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		41,697	38,787
Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		40,398	37,453
Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		983	1,008
Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		316	326
Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		7,970	5,287
Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		7,970	5,287
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		45,069	42,862
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		6,678	2,239
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		38,391	40,623
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		24,055	24,592
Originated for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		23,982	24,516
Originated for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		73	76
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		444	462
Purchased for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		351	360
Purchased for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		93	102
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	[1]	116,858	101,975
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		114,096	98,829
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		2,555	2,869
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		207	277
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		6,008	376
Other [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		$ 6,008	$ 376
[1]	Includes $5,708 and $6,008 of commercial leases at June 30, 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		Jun. 30, 2018	Dec. 31, 2017
Loans And Leases [Abstract]
Total minimum lease payments to be received	[1]	$ 6,442	$ 6,838
Less: unearned income		(734)	(830)
Net investment in direct financing leases		$ 5,708	$ 6,008
[1]	There were no initial direct costs associated with these leases.

Loans And Leases (Summary Of Fu

Loans And Leases (Summary Of Future Minimum Lease Payments Receivable) (Details) $ in Thousands	Jun. 30, 2018USD ($)
Loans And Leases [Abstract]
2,018	$ 397
2,019	793
2,020	793
2,021	793
2,022	793
Thereafter	2,873
Future minimum lease payments	$ 6,442

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2018USD ($)	Jun. 30, 2017USD ($)	Jun. 30, 2018USD ($)	Jun. 30, 2017USD ($)	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		0
Fair value assets and liabilities transfer level 3 to level 1	0		0		0
Unpaid principal balance of impairment loan at collateral	$ 3,065,000		$ 3,065,000		$ 3,087,000
Valuation allowance	26,000		26,000		24,000
Fair value option, 90 days or more past due	0		0		0
Write-downs of impaired collateral-dependent loans	0	$ 0	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		0
Liabilities measured at fair value on a recurring basis	0		0		0
Assets measured at fair value on a nonrecurring basis	0		0		0
Liabilities measured at fair value on a nonrecurring basis	0		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		0
Liabilities measured at fair value on a nonrecurring basis	0		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		0
Liabilities measured at fair value on a recurring basis	$ 0		$ 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	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Financial Assets:
Total securities available for sale	$ 11,614	$ 11,773
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	11,614	11,773
Yield maintenance provisions (embedded derivatives)	17	56
Interest rate lock commitments	468	11
Financial Liabilities:
Interest-rate swaps	17	56
TBA Mortgage-back securities	168
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	11,614	11,773
Loans held for sale	26,424	1,124
Financial Liabilities:
TBA Mortgage-back securities	168
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	11,320	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	209	244
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	85	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)	17	56
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments	468	11
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
Interest-rate swaps	$ 17	$ 56

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Impaired loans:
Total impaired loans	$ 3,734	$ 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	3,039	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	108	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	113	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	$ 2,818	$ 2,832

Fair Value (Financial Instrumen

Fair Value (Financial Instruments Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Commercial [Member]
Impaired loans:
Impaired loans at Fair Value	$ 108	$ 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	$ 113	$ 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	$ 2,818	$ 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	Jun. 30, 2018	Dec. 31, 2017
Fair Value [Abstract]
Aggregate fair value	$ 26,424	$ 1,124
Contractual balance	26,146	1,120
Gain (loss)	$ 278	$ 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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Fair Value [Abstract]
Interest income	$ 142	$ 8	$ 166	$ 29
Interest expense
Change in fair value	216	(1)	274	(9)
Total change in fair value	$ 358	$ 7	$ 440	$ 20

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Financial assets
Securities available for sale	$ 11,614	$ 11,773
Loans held for sale	26,424	1,124
Financial liabilities
Advances by borrowers for taxes and insurance	(225)	(489)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	32,739	45,498
Interest-bearing deposits in other financial institutions	100	100
Accrued interest receivable	11	27
Financial liabilities
Deposits	(249,896)	(236,797)
Accrued interest payable	(3)	(6)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities available for sale	11,614	11,773
Loans held for sale	26,424	1,124
Accrued interest receivable	42	38
Yield maintenance provisions (embedded derivatives)	17	56
Interest rate lock commitments	468	11
Financial liabilities
Deposits	(238,229)	(181,659)
FHLB advances and other borrowings	(19,568)	(13,466)
Subordinated debentures	(4,994)	(4,094)
Accrued interest payable	(114)	(73)
Interest-rate swaps	(17)	(56)
TBA Mortgage-back securities	(168)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans and leases, net	469,708	402,719
Accrued interest receivable	1,561	1,261
Financial liabilities
Advances by borrowers for taxes and insurance	(225)	(489)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	32,739	45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,614	11,773
Loans held for sale	26,424	1,124
Loans and leases, net	470,557	406,406
FHLB and FRB stock	3,251	3,227
Accrued interest receivable	1,614	1,326
Yield maintenance provisions (embedded derivatives)	17	56
Interest rate lock commitments	468	11
Financial liabilities
Deposits	(488,125)	(419,028)
FHLB advances and other borrowings	(19,500)	(13,500)
Advances by borrowers for taxes and insurance	(225)	(489)
Subordinated debentures	(5,155)	(5,155)
Accrued interest payable	(117)	(79)
Interest-rate swaps	(17)	(56)
TBA Mortgage-back securities	(168)
Estimate of Fair Value [Member]
Financial assets
Cash and cash equivalents	32,739	45,498
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	11,614	11,773
Loans held for sale	26,424	1,124
Loans and leases, net	469,708	402,719
Accrued interest receivable	1,614	1,326
Yield maintenance provisions (embedded derivatives)	17	56
Interest rate lock commitments	468	11
Financial liabilities
Deposits	(488,125)	(418,456)
FHLB advances and other borrowings	(19,568)	(13,466)
Advances by borrowers for taxes and insurance	(225)	(489)
Subordinated debentures	(4,994)	(4,094)
Accrued interest payable	(117)	(79)
Interest-rate swaps	(17)	$ (56)
TBA Mortgage-back securities	$ (168)

Subordinated Debentures (Narrat

Subordinated Debentures (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 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	5.19%	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) - USD ($)	6 Months Ended
	Jun. 30, 2018	Jul. 31, 2018
Subsequent Event [Member]
Line of Credit Facility [Line Items]
Line of credit, borrowing capacity		$ 8,000,000
Line of credit, increase in borrowing capacity		$ 2,000,000
Third-Party Bank [Member]
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	6 Months Ended
	Jun. 30, 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	5.49%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018USD ($)shares	Jun. 30, 2017USD ($)shares	Jun. 30, 2018USD ($)ShareBasedCompensationPlanshares	Jun. 30, 2017USD ($)shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan			2
Compensation cost | $	$ 96	$ 62	$ 192	$ 122
Total income tax effect recognized for share-based compensation arrangements | $	$ 20	$ 21	$ 40	$ 42
Shares available to be issued	1,500,000		1,500,000
Shares expired			400	300
Shares cancelled or forfeited			0
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		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	391,514		391,514
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period			10 years
Shares Granted	0	0	0	0
Stock Options Exercised	0	0	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 | $	$ 642	$ 511	$ 642	$ 511
Nonvested shares, granted			4,000	0
Shares, Forfeited			43,999	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		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		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	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year	539,256
Shares Expired	(400)	(300)
Shares Cancelled or Forfeited	0
Shares, Outstanding at end of period	538,856
Shares, Expected to vest
Shares, Exercisable at end of period	538,856
Weighted Average Exercise Price, Outstanding at beginning of year	$ 1.44
Weighted Average Exercise Price, Expired	20.15
Weighted Average Exercise Price, Cancelled or Forfeited
Weighted Average Exercise Price, Outstanding at end of period	1.42
Weighted Average Exercise Price, Expected to Vest
Weighted Average Exercise Price, Exercisable at end of period	$ 1.42
Weighted average remaining contractual term, Outstanding at end of period	4 years 10 months 24 days
Weighted average remaining contractual term, Exercisable at end of period	4 years 10 months 24 days
Intrinsic value, Outstanding at end of period	$ 544,180
Intrinsic value, Expected to vest
Intrinsic value, Exercisable at end of period	$ 544,180

Stock-Based Compensation (Nonve

Stock-Based Compensation (Nonvested Restricted Shares Activity) (Details) - Restricted Stock [Member] - $ / shares	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Nonvested shares, beginning balance	464,661
Nonvested shares, granted	4,000	0
Nonvested shares, forfeited	(43,999)	(6,333)
Nonvested shares, ending balance	424,662
Nonvested, weighted average grant date fair value, beginning balance	$ 2.03
Nonvested, weighted average grant date fair value, granted	2.44
Nonvested, weighted average grant date fair value, forfeited	2.14
Nonvested, weighted average grant date fair value, ending balance	$ 2.02

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 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	Jun. 30, 2018	Dec. 31, 2017
Regulatory Capital Matters [Abstract]
Total Capital to risk weighted assets, Actual Amount	$ 56,709	$ 48,271
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	50,722	43,179
Common equity Tier 1 Capital to risk weighted assets, Actual Amount	50,722	43,179
Tier 1 (Core) Capital to adjusted total assets (Leverage Ratio), Actual Amount	$ 50,722	$ 43,179
Total Capital to risk weighted assets, Actual Ratio	11.97%	11.91%
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	10.71%	10.65%
Common equity Tier 1 Capital to risk weighted assets, Actual Ratio	10.71%	10.65%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	9.56%	9.37%
Total Capital to risk weighted assets, Phase-In Schedule Amount	$ 46,809	$ 37,492
Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	37,334	29,386
Common equity Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	30,227	23,306
Tier 1 (Core) Capital to adjusted total assets, Phase-In Schedule Amount	$ 21,225	$ 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	$ 49,746	$ 42,559
Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	40,271	34,452
Common equity Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	33,164	28,372
Tier 1 (Core) Capital to adjusted total assets, Fully Phased-In Amount	$ 21,225	$ 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%
Capital Required to be Well Capitalized, Amount	$ 47,378	$ 40,532
Tier One Risk Based Capital Required to be Well Capitalized	37,902	32,426
Common equity Tier One Risk Based Capital Required to be Well Capitalized	30,795	26,346
Tier One Leverage Capital Required to be Well Capitalized	$ 26,531	$ 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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Derivative [Line Items]
Notional amount	$ 1,397,000		$ 1,397,000		$ 2,185,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	1,397,000		1,397,000		2,185,000
Net gains (losses) recognized in earnings	0	$ 0	0	$ 0
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Notional amount	54,239,000		54,239,000		2,390,000
Fair value of yield maintenance provisions	468,000		468,000		$ 11,000
CF Bank [Member]
Derivative [Line Items]
Securities pledged as collateral	$ 123,000		$ 123,000

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Derivative Instruments [Abstract]
Notional amount	$ 1,397	$ 2,185
Weighted average pay rate on interest-rate swaps	3.12%	3.75%
Weighted average receive rate on interest-rate swaps	2.09%	1.52%
Weighted average maturity (years)	2 years 6 months	2 years 1 month 6 days
Fair value of interest-rate swaps	$ (17)	$ (56)
Fair value of yield maintenance provisions	$ 17	$ 56

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Mortgage Banking Derivatives) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Interest Rate Commitments [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Assets	$ 54,239	$ 2,390
Fair value, Derivative assets	468	$ 11
TBA Mortgage-Back Securities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Liabilities	40,750
Fair value, Derivative liabilities	$ (168)

Derivative Instruments (Sched71

Derivative Instruments (Schedule Of Revenue Recognized On Mortgage Activities) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Derivative Instruments [Abstract]
Gain on loans sold	$ 276	$ 16	$ 290	$ 39
Gain (loss) from change in fair value of loans held-for-sale	216	(1)	274	(9)
Gain (loss) from change in fair value of derivatives	17	9	253	17
Gain (loss) recognized in income	$ 509	$ 24	$ 817	$ 47

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	3 Months Ended			6 Months Ended		12 Months Ended
	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 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%	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		1,600,000
Unrecognized Tax Benefits	$ 0	$ 0		$ 0		$ 0
Effective tax rate	19.80%		32.70%	19.50%	33.20%

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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Income Taxes [Abstract]
Statutory tax rate	21.00%	34.00%	21.00%	34.00%
Increase (decrease) resulting from:
Tax exempt income on bank owned life insurance	(0.50%)	(1.40%)	(0.60%)	(1.60%)
Low income housing credits	(1.10%)		(1.00%)
Other, net	0.40%	0.10%	0.10%	0.80%
Effective tax rate	19.80%	32.70%	19.50%	33.20%

Accumulated Other Comprehensi74

Accumulated Other Comprehensive Income (Details) - USD ($)		3 Months Ended				6 Months Ended
		Jun. 30, 2018		Jun. 30, 2017		Jun. 30, 2018	Jun. 30, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period						$ (47,000)
Other comprehensive loss, net of tax		$ (15,000)		$ (2,000)		(69,000)	$ (3,000)
Accumulated other comprehensive loss, end of period		(116,000)				(116,000)
Amount reclassified from accumulated other comprehensive income		0		0		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		(101,000)	[1]	1,000	[1]	(47,000)	2,000
Other comprehensive loss before reclassifications	[2]	(15,000)	[1]	(2,000)	[1]	(69,000)	(3,000)
Other comprehensive loss, net of tax		(15,000)	[1]	(2,000)	[1]	(69,000)	(3,000)
Accumulated other comprehensive loss, end of period	[1]	$ (116,000)		$ (1,000)		$ (116,000)	$ (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 and six months ended June 30, 2018 and 2017.

Preferred Stock (Details)

Preferred Stock (Details) - USD ($)	Jul. 15, 2014	May 12, 2014	Jul. 15, 2014	Dec. 31, 2017	Jun. 30, 2018
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	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017	Jul. 15, 2014	May 12, 2014
Class of Warrant or Right [Line Items]
Warrant, shares	432,050
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