CF Bankshares (CFBK) 10-K 31 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Mar. 15, 2023	Jun. 30, 2022
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2022
Current Fiscal Year End Date	--12-31
Document Period End Date	Dec. 31, 2022
Document Transition Report	false
Entity File Number	0-25045
Entity Registrant Name	CF BANKSHARES INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	34-1877137
Entity Address, Address Line One	4960 E. Dublin Granville Road
Entity Address, Address Line Two	Suite #400,
Entity Address, City or Town	Columbus
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43081
City Area Code	614
Local Phone Number	334-7979
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	CFBK
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 137.6
Documents Incorporated By Reference	Portions of the registrant’s Proxy Statement for the Annual Meeting of Stockholders to be held on June 7, 2023, are incorporated herein by reference into Part III of this Form 10-K.
Entity Central Index Key	0001070680
Auditor Name	FORVIS, LLP(Formerly, BKD, LLP)
Auditor Location	Indianapolis, Indiana
Auditor Firm ID	686
Common Stock [Member]
Entity Common Stock, Shares Outstanding		5,289,881
Non-Voting Common Stock [Member]
Entity Common Stock, Shares Outstanding		1,260,700

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and cash equivalents	$ 151,787	$ 166,591
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	10,442	16,347
Equity securities	5,000	5,000
Loans held for sale, at fair value	580	27,988
Loans and leases, net of allowance of $16,062 and $15,508	1,572,255	1,214,149
FHLB and FRB stock	7,942	7,315
Premises and equipment, net	3,778	5,869
Other assets held for sale	1,930
Operating lease right-of-use assets	1,357	1,925
Bank owned life insurance	25,641	25,743
Accrued interest receivable and other assets	39,362	24,562
Total assets	1,820,174	1,495,589
Deposits
Noninterest bearing	263,241	284,935
Interest bearing	1,264,681	961,417
Total deposits	1,527,922	1,246,352
FHLB advances and other debt	109,461	89,727
Advances by borrowers for taxes and insurance	3,513	2,752
Operating lease liabilities	1,438	2,032
Accrued interest payable and other liabilities	23,670	14,513
Subordinated debentures	14,922	14,883
Total liabilities	1,680,926	1,370,259
Commitments and contingent liabilities
Stockholders' equity
Additional paid-in capital	89,813	88,528
Retained earnings	61,095	44,084
Accumulated other comprehensive loss	(2,037)	(170)
Treasury stock, at cost; 365,165 shares of voting common stock at December 31, 2022 and 246,432 shares of voting common stock at December 31, 2021	(9,692)	(7,180)
Total stockholders' equity	139,248	125,330
Total liabilities and stockholder's equity	1,820,174	1,495,589
Common Stock [Member]
Stockholders' equity
Common stock	56	55
Non-Voting Common Stock [Member]
Stockholders' equity
Common stock	13	13
Series C Preferred Stock [Member]
Stockholders' equity
Preferred stock

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Allowance for loans and leases	$ 16,062	$ 15,508
Common Stock [Member]
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	9,090,909	9,090,909
Common stock, shares issued	5,601,289	5,485,980
Treasury stock, shares	365,165	246,432
Non-Voting Common Stock [Member]
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	1,260,700	1,260,700
Common stock, shares issued	1,260,700	1,260,700
Series C Preferred Stock [Member]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	12,607	12,607
Preferred stock, shares issued	0	0

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest and dividend income
Loans and leases, including fees	$ 63,717	$ 51,256	$ 41,851
Securities	881	756	161
FHLB and FRB stock dividends	348	234	199
Federal funds sold and other	2,818	102	175
Total interest and dividend income	67,764	52,348	42,386
Interest expense
Deposits	15,952	8,014	11,911
FHLB advances and other debt	2,040	1,398	1,729
Subordinated debentures	982	897	938
Total interest expense	18,974	10,309	14,578
Net interest income	48,790	42,039	27,808
Provision for loan and lease losses	787	(1,600)	10,915
Net interest income after provision for loan and lease losses	48,003	43,639	16,893
Noninterest income
Service charges on deposit accounts	1,135	845	633
Net gains on sales of residential mortgage loans	656	5,916	58,298
Net gains on sales of SBA loans	353	1,443	68
Gain (loss) on redemption of life insurance policies	(173)	383
Earnings on bank owned life insurance	598	532	145
Gain on sale of deposits		1,893
Swap fee income	190	194	651
Other	451	434	198
Total noninterest income	3,210	11,640	59,993
Noninterest expense
Salaries and employee benefits	15,125	16,948	21,987
Occupancy and equipment	1,253	1,120	1,077
Data processing	2,807	2,086	1,812
Franchise and other taxes	1,151	975	740
Professional fees	2,758	4,348	5,070
Director fees	632	622	648
Postage, printing and supplies	183	146	172
Advertising and marketing	431	3,061	5,624
Telephone	249	263	219
Loan expenses	694	352	304
Depreciation	496	435	381
FDIC premiums	1,130	1,238	588
Regulatory assessment	272	261	181
Other insurance	177	158	106
Impairment of property and equipment	570
Other	693	448	1,694
Total noninterest expense	28,621	32,461	40,603
Income before incomes taxes	22,592	22,818	36,283
Income tax expense	4,428	4,365	6,675
Net income	18,164	18,453	29,608
Earnings allocated to participating securities (Series C preferred stock)			(2,280)
Net income attributable to common stockholders	$ 18,164	$ 18,453	$ 27,328
Earnings per common share:
Basic	$ 2.84	$ 2.84	$ 4.53
Diluted	$ 2.78	$ 2.77	$ 4.47

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 18,164	$ 18,453	$ 29,608
Other comprehensive loss:
Unrealized holding gains (losses) arising during the period related to investment securities available for sale, net of tax of ($496), ($71) and $18:	(1,867)	(266)	68
Other comprehensive income (loss), net of tax	(1,867)	(266)	68
Comprehensive income	$ 16,297	$ 18,187	$ 29,676

Consolidated Statements Of Co_2

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements Of Comprehensive Income [Abstract]
Unrealized holding gains (losses) arising during the period related to investment securities available for sale, tax	$ (496)	$ (71)	$ 18

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Non-Voting Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings (Accumulated Deficit) [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2019	$ 54		$ 86,903	$ (2,932)	$ 28	$ (3,389)	$ 80,664
Net income				29,608			29,608
Other comprehensive income (loss)					68		68
Issuance of stock based incentive plan shares, net of forfeitures
Restricted stock expense, net of forfeitures			711				711
Stock options exercised			36				36
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes						(32)	(32)
Purchase of treasury shares						(648)	(648)
Conversion of shares of Series C preferred stock to shares of non-voting common stock		13	(13)
Dividends declared				(197)			(197)
Balance at Dec. 31, 2020	54	13	87,637	26,479	96	(4,069)	110,210
Net income				18,453			18,453
Other comprehensive income (loss)					(266)		(266)
Issuance of stock based incentive plan shares, net of forfeitures	1		(1)
Restricted stock expense, net of forfeitures			707				707
Stock options exercised			185				185
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes						(43)	(43)
Acquisition of treasury shares surrendered upon exercise of stock options for payment of taxes and exercise proceeds						(96)	(96)
Purchase of treasury shares						(2,972)	(2,972)
Dividends declared				(848)			(848)
Balance at Dec. 31, 2021	55	13	88,528	44,084	(170)	(7,180)	125,330
Net income				18,164			18,164
Other comprehensive income (loss)					(1,867)		(1,867)
Issuance of stock based incentive plan shares, net of forfeitures	1		(1)
Restricted stock expense, net of forfeitures			899				899
Stock options exercised			387				387
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes						(73)	(73)
Acquisition of treasury shares surrendered upon exercise of stock options for payment of taxes and exercise proceeds						(100)	(100)
Purchase of treasury shares						(2,339)	(2,339)
Dividends declared				(1,153)			(1,153)
Balance at Dec. 31, 2022	$ 56	$ 13	$ 89,813	$ 61,095	$ (2,037)	$ (9,692)	$ 139,248

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Issuance of stock based incentive plan, shares	69,648	69,960	19,660
Treasury shares, acquisition restricted stock	3,424	2,261	2,158
Treasury shares, acquisition stock options	4,366	4,522
Treasury shares, purchase	110,998	143,551	61,000
Dividends declared, per share	$ 0.18	$ 0.13	$ 0.03
Series C Preferred Stock [Member]
Conversion of Series C preferred stock, shares			12,607
Non-Voting Common Stock [Member]
Non-voting common stock, shares			1,260,700

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements Of Cash Flows [Abstract]
Net income	$ 18,164	$ 18,453	$ 29,608
Adjustments to reconcile net income to net cash from operating activities:
Provision for loan and lease losses	787	(1,600)	10,915
Depreciation	496	435	381
Amortization, net	(881)	(2,505)	(1,510)
Deferred income tax (benefit)	215	773	(3,045)
Originations of loans held for sale	(97,265)	(2,358,511)	(2,229,042)
Proceeds from sale of loans held for sale	123,655	2,602,993	2,130,712
Net gains on sales of residential mortgage loans	(656)	(5,916)	(58,298)
Net gains on sales of SBA loans	(353)	(1,443)	(68)
Gain on sale of deposits		(1,893)
Write-down of premises and equipment	570	17	265
Earnings on bank owned life insurance	(598)	(532)	(145)
Loss (gain) on redemption of life insurance policies	173	(383)
Stock-based compensation expense	899	707	711
Net change in:
Accrued interest receivable and other assets	(6,475)	17,880	(18,451)
Operating lease right-of-use asset	568	461	393
Operating lease right-of-use liability	(594)	(498)	(428)
Accrued interest payable and other liabilities	1,059	(15,135)	14,537
Net cash from (used by) operating activities	39,764	253,303	(123,465)
Proceeds from Sale and Maturity of Debt Securities, Available-for-Sale [Abstract]
Maturities, prepayments and calls	3,517	5,030	5,091
Purchases		(13,070)	(5,552)
Purchase of equity securities			(5,000)
Purchase of bank owned life insurance		(8,000)	(12,000)
Loan and lease originations and payments, net	(364,759)	(311,232)	(241,102)
Purchase of loans and leases	(3,698)	(18,677)
Proceeds from the sale of loans	12,569	33,361	1,439
Additions to premises and equipment	(905)	(2,962)	(385)
Purchase of FRB and FHLB Stock	(627)	(1,468)	(1,839)
Purchase of other investments		(1,500)	(1,000)
Return of investment- joint ventures	582	756	594
Proceeds from the redemption of life insurance policies		661
Proceeds from the sale of premises and equipment		371
Net cash used by investing activities	(353,321)	(316,730)	(259,754)
Cash flows from financing activities:
Net change in deposits	281,570	237,593	366,747
Cash paid for assumption of deposits in branch sale		(102,418)
Proceeds from FHLB advances and other debt	40,150	174,277	575,137
Repayments on FHLB advances and other debt	(20,450)	(228,964)	(452,224)
Net change in warehouse line of credit		(70,013)	70,013
Net change in advances by borrowers for taxes and insurance	761	1,723	100
Cash dividends paid on common stock	(1,153)	(848)	(195)
Proceeds from exercise of stock options	387	185	36
Acquisition of treasury shares surrendered upon vesting of restricted stock and exercised options for payment of taxes and exercise proceeds	(173)	(139)	(32)
Purchase of treasury shares	(2,339)	(2,972)	(648)
Net cash from financing activities	298,753	8,424	558,934
Net change in cash and cash equivalents	(14,804)	(55,003)	175,715
Beginning cash and cash equivalents	166,591	221,594	45,879
Ending cash and cash equivalents	151,787	166,591	221,594
Supplemental cash flow information:
Interest paid	18,362	10,579	14,296
Income tax paid	2,450	3,850	10,300
Supplemental noncash disclosures:
Loans transferred from held for sale to portfolio	1,674	16,611	1,725
Transfer from premises and equipment to assets held for sale	1,930
Investment payable on limited liability corporation and limited partnership	8,097	7,764	500
Initial recognition of operating right-of-use lease asset		999
Initial recognition of operating right-of-use lease liability		$ 999
Loans held for sale funded with other debt, net of repayments			(7,517)
Dividends payable			$ 2
Redemption proceeds receivable on life insurance policy	$ 528

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	NO TE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations and Principles of Consolidation : The consolidated financial statements include CF Bankshares Inc. (the “Holding Company”) and its wholly-owned subsidiary, CFBank, National Association (“CFBank”). On December 1, 2016, CFBank converted from a federal savings institution to a national bank. Prior to December 1, 2016, the Holding Company was a registered savings and loan holding company. Effective as of December 1, 2016 and in conjunction with the conversion of CFBank to a national bank, the Holding Company became a registered bank holding company and elected financial holding company status with the FRB . Effective as of July 27, 2020, the Company changed its name from Central Federal Corporation to CF Bankshares Inc. The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. CFBank provides financial services through its eight full-service banking offices in the metro markets of Columbus, Cincinnati, Cleveland and Akron, Ohio and Indianapolis, Indiana. Its primary deposit products are commercial and retail checking, savings, money market and term certificate accounts. Its primary lending products are commercial and commercial real estate, residential mortgages and installment loans. There are no significant concentrations of loans to any one industry or customer segment. However, our customers’ ability to repay their loans is dependent on general economic conditions and the real estate values in their geographic areas. Use of Estimates : To prepare financial statements in conformity with U.S. generally accepted accounting principles (GAAP), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan and lease losses (ALLL), deferred tax assets and fair values of financial instruments are particularly subject to change. Cash Flows : Cash and cash equivalents include cash, deposits with other financial institutions with maturities fewer than 90 days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and borrowings with original maturities under 90 days. Cash in Excess of FDIC Limits: At December 31, 2022, the Company’s cash accounts exceeded federally insured limits by approximately $ 136.9 million. Approximately $ 133.2 million of that amount was held by either the Federal Reserve Bank or the Federal Home Loan Bank of Cincinnati, which is not federally insured. Interest-Bearing Deposits in Other Financial Institutions : Interest-bearing deposits in other financial institutions mature in April, 2025 and are carried at cost. As of December 31, 2022 and December 31, 2021, there was $ 100 in interest-bearing deposits in other financial institutions. Securities : Debt securities are classified as available for sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income. Interest income includes amortization of purchase premium or accretion of discount. Premiums and discounts on securities are amortized or accreted on the level-yield method, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated based on industry payment trends. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or will more likely than not be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. Equity Securities : Equity securities without a readily determinable fair value are held at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. For equity securities measured under the practicability exception under Accounting Standards Update (“ASU”) 2016-01, the Company performs a qualitative assessment for equity securities without readily determinable fair values considering impairment indicators to evaluate whether an impairment exists. If an impairment exists, the Company will recognize a loss based on the difference between carrying value and fair value. Loans Held for Sale : Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing rights when mortgage loans held for sale are sold with servicing rights retained. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. 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, 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 it 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 provided 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. Concentration of Credit Risk : Most of the Company’s primary business activity is with customers located within the Ohio counties of Franklin, Delaware, Hamilton, Cuyahoga and Summit and Marian County, Indiana and contiguous counties. Therefore, the Company’s exposure to credit risk can be affected by changes in the economies within these counties. Although these counties are the Company’s primary market area for loans, the Company originates residential and commercial real estate loans throughout the United States. 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 substandard loans within the commercial, multi-family residential, commercial real estate and construction segments 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, single-family residential real estate loans and commercial leases, 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 CFBank over a three-year period. The general component is calculated based on CFBank’s loan balances and actual 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. The following portfolio segments have been identified: commercial loans; single-family residential real estate loans; multi-family residential real estate loans; commercial real estate loans; construction loans; home equity lines of credit; and other consumer loans. A description of each segment of the loan portfolio, along with the risk characteristics of each segment, is included below. Commercial loans: Commercial loans and direct financing leases include loans and leases to businesses generally located within our primary market area. Those loans and leases are typically secured by business equipment, inventory, accounts receivable and other business assets. In underwriting commercial loans, we consider the net operating income of the borrower, the debt service ratio and the financial strength, expertise and credit history of the business owners and/or guarantors. Because payments on commercial loans are dependent on successful operation of the business enterprise, repayment of such loans may be subject to a greater extent to adverse conditions in the economy. We seek to mitigate these risks through underwriting policies which require such loans to be qualified at origination on the basis of the borrower’s financial performance and the financial strength of the business owners and/or guarantors. Single-family residential real estate loans: Single-family residential real estate loans include permanent conventional mortgage loans secured by single-family residences that we originate for portfolio and purchased loans located primarily within our primary market area. Credit approval for single-family residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment and an established credit record. Our policy is to originate quality loans that are evaluated for risk based on the borrower’s ability to repay the loan. Collateral positions are established by obtaining independent appraisal opinions. Mortgage insurance may be required when the LTV exceeds 80 %. Multi-family residential real estate loans: Multi-family residential real estate loans include loans secured by apartment buildings, condominiums and multi-family residential houses generally located within our primary market area. Underwriting policies provide that multi-family residential real estate loans generally may be made in amounts up to 85 % of the lower of the appraised value or purchase price of the property. In underwriting multi-family residential real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed-rate and adjustable-rate loans. Fixed-rate loans are generally limited to three years to five years , at which time they convert to adjustable-rate loans. Because payments on loans secured by multi-family residential properties are dependent on successful operation or management of the properties, repayment of multi-family residential real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate multi-family residential real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate multi-family residential real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate multi-family residential real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Commercial real estate loans: Commercial real estate loans include loans secured by owner occupied and non-owner occupied properties used for business purposes, such as manufacturing facilities, office buildings or retail facilities generally located within our primary market area. Underwriting policies provide that commercial real estate loans may be made in amounts up to 85 % of the lower of the appraised value or purchase price of the property. In underwriting commercial real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed and adjustable-rate loans. Fixed-rate loans are generally limited to three years to five years , at which time they convert to adjustable-rate loans. Because payments on loans secured by commercial real estate properties are dependent on successful operation or management of the properties, repayment of commercial real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate commercial real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate commercial real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate commercial real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Construction loans: Construction loans include loans to finance the construction of residential and commercial properties generally located within our primary market area. Construction loans are fixed-rate or adjustable-rate loans which may convert to permanent loans with maturities of up to 30 years. Our policies provide that construction loans may generally be made in amounts up to 80 % of the appraised value of the property, and an independent appraisal of the property is required. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction. In underwriting construction loans, we consider the property owner’s and/or guarantor’s financial strength, expertise and credit history. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, we may be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on construction loans through inspections of construction progress on the property and by requiring personal guarantees and reviewing current personal financial statements and tax returns, as well as other projects of the developer. Home equity lines of credit: Home equity lines of credit include both loans we originate for portfolio and purchased loans. We originate home equity lines of credit to customers generally within our primary market area. Home equity lines of credit are variable rate loans and the interest rate adjusts monthly at various margins to the prime rate of interest as disclosed in The Wall Street Journal. The margin is based on certain factors including the loan balance, value of collateral, election of auto-payment, and the borrower’s FICO® score. The amount of the line is based on the borrower’s credit, income and equity in the home. When combined with the balance of the prior mortgage liens, these lines generally may not exceed 89.9 % of the appraised value of the property at the time of the loan commitment. The lines are secured by a subordinate lien on the underlying real estate and are, therefore, vulnerable to declines in property values in the geographic areas where the properties are located. Credit approval for home equity lines of credit requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral. Collectability of home equity lines of credit are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. We continue to monitor collateral values and borrower FICO® scores on both purchased and portfolio loans and, when the situation warrants, have frozen the lines of credit. Other consumer loans: Other consumer loans include closed-end home equity, home improvement, auto, credit card loans and any purchased loans to consumers generally located within our primary market area. Credit approval for other consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. 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 . Transfers of Financial Assets : Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Foreclosed Assets : Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, an adjustment is recorded through expense. Operating costs after acquisition are expensed. Low Income Housing Tax Credits (LIHTC): The Company has invested in LIHTCs through funds that assist 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 LIHTCs. 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. Historic Tax Credits: The Company made equity investments as a non-managing member in two entities that received historic tax credits (HTC) pursuant to Section 47 of the Internal Revenue Code. The Company receives a return through the realization of federal income tax credits, as well as other tax benefits, such as tax deductions from net operating losses of the investment over a period of time. The HTC investments are accounted for under the equity method of accounting and are included in accrued interest receivable and other assets on the consolidated balance sheets. The Company’s recorded investment in these entities was $ 2,097 at December 31, 2022 and 2021. The maximum exposure to loss related to these investments was $ 2,097 at December 31, 2022, representing the Company’s investment balance . 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 joint ventures are engaged in shorter term operating activities related to single family real estate developments. 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. Under ASU 2016-15, the Company has elected the nature of distribution approach to recognize returns from equity method investments. Returns on investment are classified as cash flows from operating activities and returns of investment are classified as investing activities. The balance outstanding in joint ventures at December 31, 2022 and December 31, 2021 was $ 1,568 and $ 2,150 , respectively. Income recognized on the joint ventures was $ 172 , $ 224 , and $ 173 , respectively, for 2022, 2021 and 2020. Premises and Equipment : Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight - line method with useful lives ranging from 3 years to 40 years. Furniture, fixtures and equipment are depreciated using the straight - line method with useful lives ranging from 2 years to 25 years. Leasehold improvements are depreciated straight-line over the shorter of the useful life or the lease term. Federal Home Loan Bank (FHLB) stock: CFBank is a member of the FHLB system. Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income. Federal Reserve Bank (FRB) stock: CFBank is a member of the Federal Reserve System and is required to own a certain amount of stock in the FRB. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income. Bank Owned Life Insurance : CFBank has purchased life insurance policies on certain directors and employees. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Loan Commitments and Related Financial Instruments : Financial instruments include off - balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, and fees associated with origination are booked to non-interest income at the origination date. Derivatives : Derivative financial instruments are recognized as assets or liabilities at fair value. The Company's derivatives consist mainly of interest rate swap agreements, which are used as part of its asset liability management program to help manage interest rate risk. The Company does not use derivatives for trading purposes. The derivative transactions are considered instruments with no hedging designation, otherwise known as stand-alone derivatives. Changes in the fair value of the derivatives are reported currently in earnings, as other noninterest income. Mortgage Banking Derivatives : Commitments to fund mortgage loans to be sold into the secondary market, otherwise known as interest rate locks, are accounted for as free standing derivatives. Mortgage banking activities include two types of commitments: rate lock commitments and forward loan commitments. Fair values of these mortgage derivatives are based on anticipated gains on the underlying loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Stock-Based Compensation : Compensation cost is recognized for stock options and restricted stock awards issued to directors and employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the required service period for each separately vesting portion of the award. Forfeitures are recognized as incurred. Income Taxes : Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 % likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other nonintere

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2022
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 noninterest 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	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Securities	NOTE 3 – SECURITIES The following tables summarize the amortized cost and fair value of the available-for-sale securities portfolio at December 31, 2022 and December 31, 2021 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 December 31, 2022 Corporate debt $ 9,978 $ - $ 2,478 $ 7,500 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 3,025 - 100 2,925 Mortgage-backed securities - residential 17 - - 17 Total $ 13,020 $ - $ 2,578 $ 10,442 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Corporate debt $ 9,976 $ - $ 226 $ 9,750 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,551 31 21 6,561 Mortgage-backed securities - residential 35 1 - 36 Total $ 16,562 $ 32 $ 247 $ 16,347 There was no other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale at December 31, 2022 or December 31, 2021. There were no sales of securities during the years ended December 31, 2022, December 31, 2021 and December 31, 2020. The amortized cost and fair value of debt securities at December 31, 2022 and December 31, 2021 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. December 31, 2022 December 31, 2021 Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,001 $ 1,961 $ 3,504 $ 3,518 Due from one to five years 1,024 964 3,047 3,043 Due from five to ten years 9,978 7,500 9,976 9,750 Mortgage-backed securities - residential 17 17 35 36 Total $ 13,020 $ 10,442 $ 16,562 $ 16,347 Fair value of securities pledged was as follows: At December 31, 2022 2021 2020 Pledged as collateral for: FHLB advances $ 967 $ 1,016 $ 1,017 Public deposits 479 501 3,060 Mortgage banking derivatives - 1,504 3,016 Total $ 1,446 $ 3,021 $ 7,093 At year-end 2022, 2021 and 2020, there were no holdings of securities of any one issuer in an amount greater than 10 % of stockholders’ equity. The following table summarizes securities with unrealized losses at December 31, 2022 and December 31, 2021 aggregated by major security type and length of time in a continuous unrealized loss position. December 31, 2022 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ 7,500 $ 2,478 $ 7,500 $ 2,478 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 1,482 19 1,443 81 2,925 100 Mortgage-backed securities - residential (1) 17 - - - 17 - Total temporarily impaired $ 1,499 $ 19 $ 8,943 $ 2,559 $ 10,442 $ 2,578 (1) Unrealized loss is less than $1 resulting in rounding to zero . December 31, 2021 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ 9,750 $ 226 $ - $ - $ 9,750 $ 226 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 3,024 21 - - 3,024 21 Total temporarily impaired $ 12,774 $ 247 $ - $ - $ 12,774 $ 247 The unrealized losses at December 31, 2022 were related to one Corporate debt security, two Mortgage-backed securities and multiple U.S. Treasuries. The unrealized losses at December 31, 2021 were related to one Corporate debt security and multiple U.S. Treasuries. Because the decline in fair value was attributable to changes in market conditions, and not credit quality, and because the Company did not have the intent to sell these securities and would unlikely be required to sell these securities before their anticipated recovery, the Company did not consider these securities to be other-than-temporarily impaired at December 31, 2022 and December 31, 2021.

Loans And Leases

Loans And Leases	12 Months Ended
	Dec. 31, 2022
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. December 31, 2022 December 31, 2021 Commercial (1) $ 427,423 $ 336,881 Real estate: Single-family residential 465,057 346,797 Multi-family residential 104,148 76,785 Commercial 375,092 359,562 Construction 184,122 83,360 Consumer: Home equity lines of credit 30,748 24,228 Other 1,727 2,044 Subtotal 1,588,317 1,229,657 Less: ALLL ( 16,062 ) ( 15,508 ) Loans and Leases, net $ 1,572,255 $ 1,214,149 (1) Includes $ 20,768 and $ 23,157 of commercial leases at December 31, 2022 and December 31, 2021, respectively . Included in Commercial loans at December 31, 2022 and December 31, 2021, were $ 50 and $ 445 , respectively, of loans originated under the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”). The Coronavirus Aid, Relief, and Economic Security Act of 2020, as amended (the “CARES Act”), authorized the SBA to temporarily guarantee PPP loans to provide funding to small businesses to pay certain payroll costs and benefits, and other expenses, during the COVID-19 pandemic. These loans are 100% guaranteed by the SBA and the full principal amount of the loans may qualify for forgiveness. The loans we originated had a maturity of two years , an interest rate of 1.00 % and loan payments were deferred for the initial six months (which deferral period was subsequently extended to 10 months pursuant to the Paycheck Protection Program Flexibility Act of 2020). The majority of our PPP loans were pledged as collateral on borrowings under the FRB’s Paycheck Protection Program Lending Facility (“PPPLF”). At December 31, 2022, there were no loans pledged as collateral and all PPPLF borrowings were paid off. See Note 10 - FHLB Advances and Other Debt for additional information. Mortgage Purchase Program: CFBank previously participated in a Mortgage Purchase Program with Northpointe Bank (“Northpointe”), a Michigan banking corporation, from December 2012 until CFBank discontinued its participation in the program in the first quarter of 2021. Pursuant to the terms of a participation agreement, CFBank purchased 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 were individually Mortgage Electronic Registered Systems (MERS) registered loans which were held until funded by the end investor. The mortgage loan investors included Fannie Mae and Freddie Mac, and other major financial institutions. This process on average took 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) were substantially reduced. Therefore, no allowance was allocated by CFBank to these loans. These loans were 100 % risk rated for CFBank capital adequacy purposes. Under the participation agreement, CFBank agreed to purchase a 95 % ownership/participation interest in each of the aforementioned loans, and Northpointe maintained a 5 % ownership interest in each loan it participated. CFBank exited this program during the first quarter of 2021 and had no loans outstanding under the program at December 31, 2022 and December 31, 2021. Allowance for Loan and Lease Losses: The ALLL is a valuation allowance for probable incurred credit losses in the loan and lease 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. The following tables present the activity in the ALLL by portfolio segment for the years ended December 31, 2022, 2021 and 2020: December 31, 2022 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 Addition to (reduction in) provision for loan losses 900 547 170 ( 1,650 ) 900 50 ( 130 ) 787 Charge-offs ( 263 ) - - - - - - ( 263 ) Recoveries - 19 - - - 11 - 30 Ending balance $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 December 31, 2021 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022 Addition to (reduction in) provision for loan losses 645 2,040 360 ( 4,150 ) ( 510 ) ( 25 ) 40 ( 1,600 ) Charge-offs - ( 17 ) - - - - - ( 17 ) Recoveries 56 26 - - - 21 - 103 Ending balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 December 31, 2020 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 2,054 $ 948 $ 447 $ 2,604 $ 759 $ 265 $ 61 $ 7,138 Addition to (reduction in) provision for loan losses 2,005 745 20 6,580 1,495 15 55 10,915 Charge-offs ( 648 ) ( 425 ) - - - ( 21 ) - ( 1,094 ) Recoveries 15 31 - - - 17 - 63 Ending balance $ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022 The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2022: 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 4,764 3,914 997 3,384 2,644 333 26 16,062 Total ending allowance balance $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 Loans: Individually evaluated for impairment $ 80 $ 95 $ - $ - $ - $ - $ - $ 175 Collectively evaluated for impairment 427,343 464,962 104,148 375,092 184,122 30,748 1,727 1,588,142 Total ending loan balance $ 427,423 $ 465,057 $ 104,148 $ 375,092 $ 184,122 $ 30,748 $ 1,727 $ 1,588,317 The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2021: 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 $ - $ - $ - $ 20 $ - $ - $ - $ 20 Collectively evaluated for impairment 4,127 3,348 827 5,014 1,744 272 156 15,488 Total ending allowance balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 Loans: Individually evaluated for impairment 221 $ 99 $ - $ 2,658 $ - $ - $ - $ 2,978 Collectively evaluated for impairment 336,660 346,698 76,785 356,904 83,360 24,228 2,044 1,226,679 Total ending loan balance $ 336,881 $ 346,797 $ 76,785 $ 359,562 $ 83,360 $ 24,228 $ 2,044 $ 1,229,657 The following tables present loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2022, 2021 and 2020. 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, deferred loan fees and costs. Cash payments of interest on these loans during the twelve months ended December 31, 2022, 2021 and 2020 totaled $ 47 , $ 169 and $ 159 , respectively. At or for the year ended December 31, 2022: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 371 80 - 125 1 Real estate: Single-family residential (1) 95 95 - 97 5 Commercial: Non-owner occupied - - - 350 17 Total with an allowance recorded 466 175 - 572 23 Total $ 466 $ 175 $ - $ 572 $ 23 (1) Allowance recorded is less than $ 1 resulting in rounding to zero At or for the year ended December 31, 2021: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 485 221 - 241 9 Real estate: Single-family residential (1) 99 99 - 101 6 Commercial: Non-owner occupied 2,658 2,658 20 2,688 150 Total with an allowance recorded 3,242 2,978 20 3,030 165 Total $ 3,242 $ 2,978 $ 20 $ 3,030 $ 165 (1) Allowance recorded is less than $ 1 resulting in rounding to zero At or for the year ended December 31, 2020: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 533 268 - 489 10 Real estate: Single-family residential (1) 104 104 - 106 4 Commercial: Non-owner occupied 2,718 2,718 23 2,728 150 Total with an allowance recorded 3,355 3,090 23 3,323 164 Total $ 3,355 $ 3,090 $ 23 $ 3,323 $ 164 (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 as of December 31, 2022 and 2021: 2022 2021 Loans past due over 90 days still on accrual $ - $ - Nonaccrual loans: Commercial 99 147 Real estate: Single-family residential 641 656 Commercial: Consumer: Home equity lines of credit: Originated for portfolio 18 153 Purchased for portfolio - 41 Other consumer 3 - Total nonaccrual 761 997 Total nonperforming loans $ 761 $ 997 Nonaccrual loans include both single-family mortgage, consumer loans and commercial leases 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 December 31, 2022 or December 31, 2021. The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2022: 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 $ 255 $ - $ 99 $ 354 $ 427,069 $ - Real estate: Single-family residential 966 167 563 1,696 463,361 78 Multi-family residential - - - - 104,148 - Commercial: Non-owner occupied - - - - 169,686 - Owner occupied - - - - 172,698 - Land - - - - 32,708 - Construction - - - - 184,122 - Consumer: Home equity lines of credit: Originated for portfolio 29 - 18 47 30,701 - Purchased for portfolio - - - - - - Other - - 3 3 1,724 - Total $ 1,250 $ 167 $ 683 $ 2,100 $ 1,586,217 $ 78 The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2021: 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 $ - $ - $ - $ - $ 336,881 $ 147 Real estate: Single-family residential 2,144 652 563 3,359 343,438 93 Multi-family residential - - - - 76,785 - Commercial: Non-owner occupied - - - - 185,130 - Owner occupied - - - - 134,352 - Land - - - - 40,080 - Construction - - - - 83,360 - Consumer: Home equity lines of credit: Originated for portfolio 2 - 153 155 23,909 - Purchased for portfolio - - 41 41 123 - Other - - - - 2,044 - Total $ 2,146 $ 652 $ 757 $ 3,555 $ 1,226,102 $ 240 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 December 31, 2022 and December 31, 2021, TDRs totaled $ 175 and $ 2,978 , respectively. The Company allocated $ 0 and $ 20 of specific reserves to loans modified in TDRs as of December 31, 2022 and 2021 respectively. The Company had no t committed to lend any additional amounts as of December 31, 2022 or 2021 to customers with outstanding loans that were classified as nonaccrual TDRs. During the year ended December 31, 2022 and December 31, 2021, there were no loans modified as a TDR. There was one TDR that went into payment default during the year ended December 31, 2022. There were no TDR’s that went into payment default during the year ended December 31, 2021. 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 December 31, 2022 and 2021, nonaccrual TDRs were as follows: 2022 2021 Commercial $ 80 $ 147 Total $ 80 $ 147 Nonaccrual loans at December 31, 2022 and 2021 did not include $ 95 and $ 2,831 , respectively, of TDRs where customers had established a sustained period of repayment performance, generally six months, the loans were current according to their modified terms and repayment of the remaining contractual payments was 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 typically performed annually, and more often for loans with higher credit risk. Adjustments to loan risk ratings are 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, condition 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 included in groups of homogeneous loans. Past due information is the primary credit indicator for groups of homogenous loans. Loans listed as pass-rated 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, doubtful or loss. The recorded investment in loans and leases by risk category and by class of loans as of December 31, 2022 and based on the most recent analysis performed follows. Not Rated Pass Special Mention Substandard Doubtful Total Commercial $ - $ 422,673 $ 4,651 $ 19 $ 80 $ 427,423 Real estate: Single-family residential 451,939 12,477 - 641 - 465,057 Multi-family residential - 104,148 - - - 104,148 Commercial: Non-owner occupied - 168,731 955 - - 169,686 Owner occupied - 171,998 700 - - 172,698 Land - 32,708 - - - 32,708 Construction 3,084 180,520 518 - - 184,122 Consumer: Home equity lines of credit: Originated for portfolio 30,730 - - 18 - 30,748 Purchased for portfolio - - - - - - Other 1,724 - - 3 - 1,727 $ 487,477 $ 1,093,255 $ 6,824 $ 681 $ 80 $ 1,588,317 The recorded investment in loans and leases by risk category and class of loans as of December 31, 2021 follows. Not Rated Pass Special Mention Substandard Doubtful Total Commercial $ - $ 336,660 $ - $ 74 $ 147 $ 336,881 Real estate: Single-family residential 346,141 - - 656 - 346,797 Multi-family residential - 76,785 - - - 76,785 Commercial: Non-owner occupied - 182,472 - 2,658 - 185,130 Owner occupied - 132,470 1,882 - - 134,352 Land - 40,080 - - - 40,080 Construction - 82,825 535 - - 83,360 Consumer: Home equity lines of credit: Originated for portfolio 23,911 - - 153 - 24,064 Purchased for portfolio 123 - - 41 - 164 Other 2,044 - - - - 2,044 $ 372,219 $ 851,292 $ 2,417 $ 3,582 $ 147 $ 1,229,657 Leases: The following lists the components of the net investment in direct financing leases: December 31, 2022 December 31, 2021 Total minimum lease payments to be received $ 22,533 $ 25,488 Less: unearned income ( 1,798 ) ( 2,385 ) Plus: Indirect initial costs 33 54 Net investment in direct financing leases $ 20,768 $ 23,157 The following summarizes the future minimum lease payments receivable in subsequent fiscal years: 2023 $ 6,903 2024 6,375 2025 5,606 2026 2,975 2027 624 Thereafter 50 $ 22,533

Foreclosed Assets

Foreclosed Assets	12 Months Ended
	Dec. 31, 2022
Foreclosed Assets [Abstract]
Foreclosed Assets	NOTE 5 – FORECLOSED ASSETS There were no foreclosed assets at December 31, 2022 and December 31, 2021. There was no activity in the valuation allowance account or any write-downs during the years ended December 31, 2022 and 2021. There were no expenses related to foreclosed assets during the years ended December 31, 2022, 2021 and 2020.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2022
Fair Value [Abstract]
Fair Value	NOTE 6 – FAIR VALUE F air 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 trade of “to be announced (TBA)” mortgage-backed securities for 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 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 December 31, 2022 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 7,500 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,925 Mortgage-backed securities - residential 17 Total securities available for sale $ 10,442 Loans held for sale $ 580 Derivative assets $ 4,233 Financial Liabilities: Derivative liabilities $ 4,233 Fair Value Measurements at December 31, 2021 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 9,750 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,561 Mortgage-backed securities - residential 36 Total securities available for sale $ 16,347 Loans held for sale $ 27,988 Derivative assets $ 538 Interest rate lock commitments $ 555 Financial Liabilities: Derivative liabilities $ 538 TBA mortgage-backed securities $ 73 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 December 31, 2022 or December 31, 2021. There were no transfers of assets or liabilities measured at fair value between levels during 2022 or 2021. Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2022 are summarized below: Fair Value Measurements at December 31, 2022 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 80 Other assets held for sale $ 1,930 There were no assets or liabilities measured at fair value on a non-recurring basis at December 31, 2021. There was a $ 27 write down of an impaired collateral-dependent loan during the year ended December 31, 2022. Impaired loans that are measured for impairment using the fair value of the collateral for collateral-dependent loans had a principal balance of $ 80 with a valuation allowance of $ 0 at December 31, 2022. 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, 2022: Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 80 Comparable sales approach Adjustment for differences between the stated value and net realizable value 64.00 % Other assets held for sale $ 1,930 Contract value less costs to sell Sales commission 4.00 % 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 December 31, 2022 or December 31, 2021. As of December 31, 2022 and December 31, 2021, the aggregate fair value, contractual balance and gain or loss on loans held for sale were as follows: December 31, 2022 December 31, 2021 Aggregate fair value $ 580 $ 27,988 Contractual balance 580 27,632 Gain - 356 The total amount of gains and losses from changes in fair value included in earnings for the years ended December 31, 2022, 2021 and 2020 for loans held for sale were: 2022 2021 2020 Interest income $ 172 $ 5,572 $ 6,231 Interest expense - - - Change in fair value ( 356 ) ( 8,408 ) 7,046 Total change in fair value $ ( 184 ) $ ( 2,836 ) $ 13,277 The carrying amounts and estimated fair values of financial instruments at year-end 2022 were as follows: Fair Value Measurements at December 31, 2022 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 151,787 $ 151,787 $ - $ - $ 151,787 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 10,442 - 10,442 - 10,442 Equity securities 5,000 - 5,000 - 5,000 Loans held for sale 580 - 580 - 580 Loans and leases, net 1,572,255 - - 1,542,796 1,542,796 FHLB and FRB stock 7,942 n/a n/a n/a n/a Accrued interest receivable 8,067 70 176 7,821 8,067 Other assets held for sale 1,930 - - 1,930 1,930 Derivative assets 4,233 - 4,233 - 4,233 Financial liabilities Deposits $ ( 1,527,922 ) $ ( 969,797 ) $ ( 545,871 ) $ - $ ( 1,515,668 ) FHLB advances and other debt ( 109,461 ) - ( 105,715 ) - ( 105,715 ) Advances by borrowers for taxes and insurance ( 3,513 ) - - ( 3,513 ) ( 3,513 ) Subordinated debentures ( 14,922 ) - ( 14,621 ) - ( 14,621 ) Accrued interest payable ( 840 ) - ( 840 ) - ( 840 ) Derivative liabilities ( 4,233 ) - ( 4,233 ) - ( 4,233 ) The carrying amounts and estimated fair values of financial instruments at year-end 2021 were as follows: Fair Value Measurements at December 31, 2021 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 166,591 $ 166,591 $ - $ - $ 166,591 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 16,347 - 16,347 - 16,347 Equity securities 5,000 - 5,000 - 5,000 Loans held for sale 27,988 - 27,988 - 27,988 Loans and leases, net 1,214,149 - - 1,231,228 1,231,228 FHLB and FRB stock 7,315 n/a n/a n/a n/a Accrued interest receivable 4,143 2 91 3,947 4,040 Yield maintenance provisions (embedded derivatives) 538 - 538 - 538 Interest rate lock commitments 555 - 555 - 555 Financial liabilities Deposits $ ( 1,246,352 ) $ ( 661,818 ) $ ( 585,214 ) $ - $ ( 1,247,032 ) FHLB advances and other debt ( 89,727 ) - ( 90,670 ) - ( 90,670 ) Advances by borrowers for taxes and insurance ( 2,752 ) - - ( 2,752 ) ( 2,752 ) Subordinated debentures ( 14,883 ) - ( 16,051 ) - ( 16,051 ) Accrued interest payable ( 228 ) - ( 228 ) - ( 228 ) Derivative liabilities ( 538 ) - ( 538 ) - ( 538 ) TBA mortgage-backed securities ( 73 ) - ( 73 ) - ( 73 ) The methods and assumptions used to estimate fair value are described below. 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. Equity Securities Equity securities without a readily determinable fair value are held at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. For equity securities measured under the practicability exception under Accounting Standards Update (“ASU”) 2016-01, the Company performs a qualitative assessment for equity securities without readily determinable fair values considering impairment indicators to evaluate whether an impairment exists. If an impairment exists, the Company will recognize a loss based on the difference between carrying value and fair value. This method results in a Level 3 classification. 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, 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. Other Assets Held for Sale The carrying amount of other assets held for sale approximates fair value and is classified as Level 3. 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. FHLB Advances and Other Debt The fair values of the Company’s long-term FHLB and credit facility advances 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.

Loan Servicing

Loan Servicing	12 Months Ended
	Dec. 31, 2022
Loan Servicing [Abstract]
Loan Servicing	NOTE 7 – LOAN SERVICING Mortgage loans serviced for others are not reported as assets. The principal balances of these loans at year-end were as follows: December 31, 2022 December 31, 2021 Mortgage loans serviced for Freddie Mac $ 1,163 $ 1,598 Custodial escrow balances maintained in connection with serviced loans were $ 38 and $ 40 at year-end 2022 and 2021, respectively.

Premises And Equipment And Oper

Premises And Equipment And Operating Leases	12 Months Ended
	Dec. 31, 2022
Premises And Equipment And Operating Leases [Abstract]
Other Assets Held For Sale	NOTE 8- PREMISES AND EQUIPMENT AND OPERATING LEASES Year-end premises and equipment were as follows: December 31, 2022 December 31, 2021 Land and land improvements $ 248 $ 1,406 Buildings 2,295 4,414 Furniture, fixtures and equipment 3,321 2,737 5,864 8,557 Less: accumulated depreciation ( 2,086 ) ( 2,688 ) $ 3,778 $ 5,869 Depreciation expense for 2022, 2021 and 2020 totaled $ 496 , $ 435 , and 381 , respectively. Operating Leases: A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, the Company adopted ASU No. 2016-02, Leases (Topic 842) and all subsequent ASUs that modified Topic 842. For the Company, Topic 842 primarily affected the accounting treatment for operating lease agreements in which the Company is the lessee. The leases in which the Company is the lessee are comprised of real estate property for branches and offices and for equipment with terms extending through 2032. All of our leases are classified as operating leases, and therefore, were previously not recognized on the Company’s consolidated balance sheets. With the adoption of Topic 842, operating lease agreements are required to be recognized on the consolidated balance sheets as a right-of-use (“ROU”) asset and a corresponding operating lease liability. The Company does not have any leases classified as finance leases. The calculated amounts of the ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion which were considered, as applicable, in the calculation of the ROU assets and lease liabilities. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is not readily determinable in our operating leases, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. At December 31, 2022, the weighted-average remaining lease term for the Company’s operating leases was 4.3 years and the weighted-average discount rate was 5.46 %. The Company’s operating lease costs were $ 568 , $ 461 , and $ 393 for the years ended December 31, 2022, 2021 and 2020, respectively. The variable lease costs totaled $ 301 , $ 292 , and $ 241 for the years ended December 31, 2022, 2021 and 2020, respectively. As the Company elected not to separate lease and non-lease components for all classes of underlying assets and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Future minimum operating lease payments as of December 31, 2022 are as follows: 2023 $ 553 2024 458 2025 209 2026 114 2027 53 Thereafter 223 Total future minimum rental commitments 1,610 Less - amounts representing interest ( 172 ) Total operating lease liabilities $ 1,438

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	NOTE 9 – DEPOSITS Time deposits of $100 or more were $ 483,719 and $ 508,940 at year-end 2022 and 2021, respectively. Time deposits of $250 or more were $ 245,099 and $ 236,056 at year-end 2022 and 2021, respectively. Scheduled maturities of time deposits for the next five years are as follows: 2023 $ 388,933 2024 122,517 2025 19,201 2026 20,244 2027 7,230 Thereafter - Total $ 558,125 Brokered deposits at year-end 2022 and 2021 totaled $ 291,827 and $ 278,092 , respectively.

FHLB Advances And Other Debt

FHLB Advances And Other Debt	12 Months Ended
	Dec. 31, 2022
FHLB Advances And Other Debt [Abstract]
FHLB Advances And Other Debt	NOTE 10 –FHLB ADVANCES AND OTHER DEBT FHLB advances and other debt were as follows: Weighted Average Rate December 31, 2022 December 31, 2021 FHLB fixed rate advances Maturities: 2022 - - 10,000 2023 0.92 % 3,500 3,500 2024 1.46 % 18,500 18,500 2026 1.45 % 16,000 16,000 2027 3.88 % 12,500 - Thereafter 2.64 % 29,500 17,000 Total FHLB fixed rate advances 80,000 65,000 Fixed rate other debt: FRB PPPLF advances 0.00% - 450 Variable rate other debt: Holding Company credit facility 3.85 % 29,461 24,277 Warehouse facility - - - Total variable rate other debt 29,461 24,277 Total $ 109,461 $ 89,727 Each FHLB advance is payable at its maturity date, with a prepayment penalty if repaid before maturity. The FHLB advances were collateralized as follows: December 31, 2022 December 31, 2021 Single-family mortgage loans $ 292,558 $ 203,627 Multi-family mortgage loans 43,021 21,650 Commercial real estate loans (1-4 family) 12,938 9,801 Home equity lines of credit 4,007 2,951 Securities 1,004 1,006 Cash 3,300 3,300 Total $ 356,828 $ 242,335 Based on the collateral pledged to the FHLB, CFBank was eligible to borrow up to a total of $ 268,154 from the FHLB at December 31, 2022. Payments due on FHLB advances and other debt over the next five years are as follows: December 31, 2022 2023 $ 3,500 2024 18,500 2025 - 2026 16,000 2027 12,500 $ 50,500 Prior to May 21, 2021, the Holding Company had a term loan in the original principal amount of $ 5,000 with an additional $ 10,000 revolving line-of-credit with a third-party bank. That credit facility was refinanced into a new $ 35,000 facility on May 21, 2021. The credit facility is revolving until May 21, 2024 , at which time any then-outstanding balance will be converted to a 10-year term note on a graduated 10-year amortization. Borrowings on the credit facility bear interest at a fixed rate of 3.85 % until May 21, 2026, and the interest rate then converts to a floating rate equal to PRIME with a floor of 3.25 %. 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. As of December 31, 2022, the Company had an outstanding balance, net of unamortized debt issuance costs, of $ 29,461 on the credit facility. At December 31, 2021, the Company had an outstanding balance of $ 24,277 on the credit facility. At December 31, 2022, CFBank had availability in unused lines of credit at two commercial banks in amounts of $ 50,000 and $ 15,000 . There were no outstanding borrowings on either line at December 31, 2022 and December 31, 2021. Interest on any principal amounts outstanding from time to time under these lines accrues daily at a variable rate based on the commercial bank’s cost of funds and current market returns . During 2019, CFBank entered into a $ 25,000 warehouse facility with a commercial bank. The warehouse facility was used to periodically fund loans held for sale from the close (funding) date until they were sold in the secondary market. Borrowings on the facility bore interest at the greater of (a) the 30-day LIBOR plus 2.00 % or (b) 4.00 % and were secured by the specific loans that were funded. This warehouse facility, which was closed during the third quarter of 2021, had no outstanding balance at December 31, 2022 and December 31, 2021. During 2020, CFBank entered into an additional $ 75,000 warehouse facility with a commercial bank. The purpose of the warehouse facility was to periodically fund loans held for sale from the close (funding) date until sold in the secondary market. Borrowings on the facility bore interest at the greater of (a) the 30-day LIBOR plus 2.35 % or (b) 2.90 % and were secured by the specific loans that were funded. This warehouse facility, which was closed during the second quarter of 2021, had no outstanding balance at December 31, 2022 and December 31, 2021. The CARES Act amended the SBA loan program, in which CFBank participates, to create the PPP as a guaranteed, unsecured loan program to fund operational costs of eligible businesses, organizations and self-employed persons during COVID-19. During 2020, CFBank processed 558 PPP loans totaling approximately $ 126 million. To support the effectiveness of the PPP, the FRB introduced the PPPLF to extend credit to financial institutions that made PPP loans, with the related PPP loans used as collateral on the borrowings. The PPPLF borrowings have a fixed interest rate of 0.35 % and a maturity equal to the maturity date of the related PPP loans, with the PPP loans maturing two years from the origination date of the PPP loan. If a PPP loan pays off early, the corresponding PPPLF borrowing must be paid off as well. At December 31, 2022 and December 31, 2021, the principal balance of PPPLF advances outstanding was $ 0 and $ 450 , respectively. At December 31, 2021, the Company’s PPP loans and related PPPLF funding had a weighted average life of approximately 0.2 years. Other than the PPPLF borrowing, there were no outstanding borrowings with the FRB at December 31, 2022 and December 31, 2021. Assets pledged as collateral with the FRB were as follows: 2022 2021 Commercial loans $ 62,909 $ 59,605 Commercial real estate loans 84,836 72,580 $ 147,745 $ 132,185 Based on the collateral pledged, CFBank was eligible to borrow up to $ 105,119 from the FRB at year-end 2022.

Subordinated Debentures

Subordinated Debentures	12 Months Ended
	Dec. 31, 2022
Subordinated Debentures [Abstract]
Subordinated Debentures	NOTE 11 – SUBORDINATED DEBENTURES 2003 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 (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 (LIBOR) plus 2.85 %, which was 7.58 % at year-end 2022 and 3.07 % at year-end 2021. 2018 Fixed-to-floating rate subordinated notes: In December 2018, the Holding Company entered into subordinated note purchase agreements with certain qualified institutional buyers and completed a private placement of $ 10 million of fixed-to-floating rate subordinated notes with a maturity date of December 30, 2028 pursuant to Section 4(a)(2) of the Securities Act of 1933, as amended, and Rule 506(b) of Regulation D promulgated thereunder. The Notes initially bear interest at 7.00 %, from and including December 20, 2018, to but excluding December 30, 2023, payable semi-annually in arrears on June 30 and December 30 of each year. From and including December 30, 2023, to but excluding December 30, 2028 or the earlier redemption of the notes, the interest rate will reset quarterly to an interest rate equal to the then current three-month LIBOR (but not less than zero) plus 4.14 %, payable quarterly in arrears on March 30, June 30, September 30, and December 30 of each year. The Holding Company may, at its option, redeem the notes beginning on December 30, 2023 and on any scheduled interest payment date thereafter. After payment of approximately $ 388 of debt issuance costs, the Holding Company’s net proceeds were approximately $ 9,612 . At December 31, 2022, the balance of the subordinated notes, net of unamortized debt issuance costs, was $ 9,767 .

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2022
Benefit Plans [Abstract]
Benefit Plans	NOTE 12 – BENEFIT PLANS Multi-employer pension plan : CFBank participates in the Pentegra Defined Benefit Plan for Financial Institutions (the “Pentegra DB Plan”), a multi-employer contributory trusteed pension plan. The retirement benefits to be provided by the plan were frozen as of June 30, 2003 and future employee participation in the plan was stopped. The plan was maintained for all eligible employees and the benefits were funded as accrued. The cost of funding was charged directly to operations. The funding shortfall (surplus) of the Pentegra DB Plan at June 30, 2022 was $ 102 and at June 30, 2021 was ($ 8 ). CFBank’s contributions for the plan years ending June 30, 2022, June 30, 2021, and June 30, 2020 totaled $ 19 , $ 22 , and $ 29 , respectively. Contributions to the plan may vary from period to period due to the change in the plan's unfunded liability. The unfunded liability is primarily related to the change in plan assets and the change in plan liability from one year to the next. The change in plan assets is based on contributions deposited, benefits paid and the actual rate of return earned on those assets. The change in plan liability is based on demographic changes and changes in the interest rates used to determine plan liability. In the event the actual rate of return earned on plan assets declines, the value of the plan assets will decline. In the event the interest rates used to determine plan liability decrease, plan liability will increase. The combined effect of each change determines the change in the unfunded liability and the change in the employer contributions. The Pentegra DB Plan is a tax-qualified defined-benefit pension plan. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan. The Pentegra DB Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating employers. Funded status (market value of plan assets divided by funding target) based on valuation reports as of July 1, 2022 and 2021 was 90.10 % and 100.81 %, respectively. Total contributions made to the Pentegra DB Plan, as reported on Form 5500 of the Pentegra DB Plan, totaled $ 248,563 and $ 253,199 for the plan years ended June 30, 2021 and June 30, 2020, respectively. CFBank’s contributions to the Pentegra DB Plan were not more than 5 % of the total contributions to the Pentegra DB Plan. 401(k) Plan: The Company sponsors a 401(k) plan that allows employee contributions up to the maximum amount allowable under federal tax regulations, which are currently matched in an amount equal to 50 % of the first 8 % of the compensation contributed. Total expense for matching contributions for 2022, 2021 and 2020 was $ 301 , $ 343 and $ 293 , respectively. Salary Continuation Agreement: In 2004, CFBank entered into a nonqualified salary continuation agreement with its former Chairman Emeritus. Benefits provided under the plan are unfunded, and payments are made by CFBank. Under the plan, CFBank pays him, or his beneficiary, a benefit of $ 25 annually for 20 years, beginning 6 months after his retirement date, which was February 28, 2008. The expense related to this plan totaled $ 6 , $ 7 and $ 7 in 2022, 2021 and 2020, respectively. The accrual is included in accrued interest payable and other liabilities in the consolidated balance sheets and totaled $ 115 at year-end 2022 and $ 134 at year-end 2021. Life Insurance Benefits: CFBank has entered into agreements with certain employees, former employees and directors to provide life insurance benefits which are funded through life insurance policies purchased and owned by CFBank. The expense related to these benefits totaled ($ 3 ), $ 13 and ($ 16 ) in 2022, 2021 and 2020, respectively. The accrual for CFBank’s obligation under these agreements is included in accrued interest payable and other liabilities in the consolidated balance sheets and totaled $ 139 at year-end 2022 and $ 141 at year-end 2021. Deferred Cash Incentive Agreements: CFBank has entered into agreements with certain officers to provide deferred cash compensation as an incentive and reward for the success of CFBank. The expense related to these benefits totaled $ 262 , $ 118 and $ 0 in 2022, 2021 and 2020, respectively. The accrual for CFBank’s obligation under these agreements is included in accrued interest payable and other liabilities in the consolidated balance sheets and totaled $ 380 at year-end 2022 and $ 118 at year-end 2021.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	NOTE 13 – INCOME TAXES Income tax expense was as follows: December 31, 2022 December 31, 2021 December 31, 2020 Current federal $ 4,213 $ 3,592 $ 9,720 Deferred federal (1) 215 773 ( 3,045 ) Total $ 4,428 $ 4,365 $ 6,675 (1) Includes tax benefit of operating loss carryforwards of $ 34 , $ 34 , and $ 34 for the years ended December 31, 2022, 2021 and 2020, respectively. Effective tax rates differ from the federal statutory rate of 21 % for 2022, 2021 and 2020 applied to income before income taxes due to the following: December 31, 2022 December 31, 2021 December 31, 2020 Federal Statutory rate times financial statement income $ 4,744 $ 4,792 $ 7,619 Effect of: Stock compensation ( 50 ) ( 50 ) ( 19 ) Bank owned life insurance income ( 126 ) ( 112 ) ( 30 ) Gain on redemption of life insurance policies - ( 80 ) - Historic tax credits - - ( 807 ) Low income housing tax credits ( 111 ) ( 154 ) ( 106 ) Other ( 29 ) ( 31 ) 18 $ 4,428 $ 4,365 $ 6,675 Effective tax rate 20 % 19 % 18 % Year-end deferred tax assets and liabilities were due to the following: 2022 2021 Deferred tax assets: Allowance for loan and lease losses $ 3,458 $ 3,336 Compensation related items 573 456 Deferred loan fees - 184 Nonaccrual interest 9 60 Net operating loss carry forward 330 364 Operating lease liabilities 302 423 Unrealized mark-to-market loss 541 39 5,213 4,862 Deferred tax liabilities: FHLB stock dividend 226 226 Depreciation 268 82 Operating lease right-of-use assets 285 404 Deferred loan costs 34 - Other - 1 Prepaid expenses 70 105 883 818 Net deferred tax asset $ 4,330 $ 4,044 At December 31, 2022, the Company had a deferred tax asset recorded of approximately $ 4,330 . At December 31, 2021, the Company had a deferred tax asset recorded of approximately $ 4,044 . At December 31, 2022 and December 31, 2021, 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 2019. 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 December 31, 2022 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 2022, the Company had net operating loss carryforwards of $ 22,089 , 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 was more likely than not that $ 20,520 of net operating loss carryforwards would 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 2022. 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.

Related-Party Transactions

Related-Party Transactions	12 Months Ended
	Dec. 31, 2022
Related-Party Transactions [Abstract]
Related-Party Transactions	NOTE 14 – RELATED-PARTY TRANSACTIONS Loans to principal officers, directors, and their affiliates during 2022 and 2021 were as follows: Year ended December 31, 2022 2021 Beginning balance $ 10,137 $ 10,277 New loans 1,189 2,843 Repayments ( 3,028 ) ( 2,983 ) Ending balance $ 8,298 $ 10,137 All loans to related parties were made by CFBank in the ordinary course of business under terms equivalent to those prevailing in the market for arm’s length transactions at the time of origination. Deposits from principal officers, directors, and their affiliates totaled $ 4,214 and $ 8,282 at year-end 2022 and 2021, respectively.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	NOTE 15 – STOCK-BASED COMPENSATION The Company has two stock-based compensation plans (collectively, the “Plans”), as described below, under which awards are outstanding or may be granted in the future. Total compensation cost that has been charged against income for those Plans totaled $ 899 , $ 707 , and $ 711 for 2022, 2021 and 2020, respectively. The total income tax benefit was $ 189 , $ 148 , and $ 149 for 2022, 2021 and 2020, respectively. Both Plans are stockholder-approved and authorize stock option grants and restricted stock awards to be made to directors, officers and employees. The 2009 Equity Compensation Plan (the “2009 Plan”), which was approved by stockholders on May 21, 2009, replaced the Company’s 2003 equity compensation plan (the “2003 Plan”) and provided for 36,363 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 272,727 . The 2009 Plan terminated in accordance with its terms on March 19, 2019 and, as a result, no further awards may be granted under the 2009 Plan. The 2019 Equity Incentive Plan (the “2019 Plan”), which was approved by stockholders on May 29, 2019, authorizes up to 300,000 shares (plus any shares that are subject to grants under the 2009 Plan and that are later forfeited or expire), to be awarded pursuant to stock options, stock appreciation rights, restricted stock or restricted stock units. There were 115,818 shares remaining available for awards of stock option grants, stock appreciation rights, restricted stock awards or restricted stock units under the 2019 Plan at December 31, 2022. 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 year 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 stock options granted during the years ended December 31, 2022 and December 31, 2021. There were 52,358 options exercised during the year ended December 31, 2022 and 24,996 options exercised during the year ended December 31, 2021. A summary of stock option activity in the Plans for 2022 follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Outstanding at beginning of year 63,992 $ 7.43 Exercised ( 52,358 ) 7.38 Expired ( 545 ) 7.87 Cancelled or forfeited - - Outstanding at end of period 11,089 $ 7.63 0.9 $ 150 Exercisable at end of period 11,089 $ 7.63 0.9 $ 150 During the year ended December 31, 2022, stock options to purchase a total of 545 common shares were canceled, forfeited or expired. Stock options to purchase a total of 1,454 common shares were cancelled, forfeited or expired during the year ended December 31, 2021. Expense associated with unvested forfeited shares is reversed. As of December 31, 2022 and 2021, all stock options granted under the Plans were vested. Restricted Stock Awards: The Plans also 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 69,648 shares of restricted stock granted in 2022 and 69,960 shares of restricted stock granted in 2021. A summary of changes in the Company’s nonvested restricted shares for the year follows: Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2022 89,895 $ 16.32 Granted 69,648 21.09 Vested ( 40,433 ) 15.45 Forfeited ( 6,697 ) 20.41 Nonvested at December 31, 2022 112,413 $ 19.35 As of December 31, 2022 and 2021, the unrecognized compensation cost related to nonvested shares granted under the Plans was $ 1,475 and $ 1,041 , respectively. There were 40,433 shares that vested during the year ended December 31, 2022 and 31,189 shares that vested during the year ended December 31, 2021. There were 6,697 and 8,678 shares of restricted stock forfeited during the years ended December 31, 2022 and December 31, 2021, respectively.

Preferred Stock

Preferred Stock	12 Months Ended
	Dec. 31, 2022
Preferred Stock [Abstract]
Preferred Stock	NOTE 16 – PREFERRED STOCK On October 25, 2019, the Company entered into a Securities Purchase Agreement with certain accredited investors in a private placement for an aggregate offering price of approximately $ 25 million, pursuant to which on October 31, 2019, the Holding Company sold shares of the Company’s common stock and shares of a new series of the Company’s Non-Voting Convertible Perpetual Preferred Stock, Series C, par value $ 0.01 per share (the “Series C Preferred Stock”). At the Company’s annual meeting of stockholders on May 27, 2020, the Company’s shareholders adopted an amendment to the Company’s Certificate of Incorporation, as amended (the “Certificate of Incorporation”), to authorize a separate class of Non-Voting Common Stock. On May 28, 2020, the Company filed with the Delaware Secretary of State a Certificate of Amendment to the Company’s Certificate of Incorporation to authorize 1,260,700 shares of Non-Voting Common Stock. Effective as of the close of business on May 28, 2020, all 1,260,700 authorized shares of Non-Voting Common Stock were issued upon conversion of the 12,607 outstanding shares of the Company’s Series C Preferred Stock. Pursuant to the terms of the Series C Preferred Stock, each outstanding share of Series C Preferred Stock converted automatically into 100 shares of Non-Voting Common Stock at such time. As of December 31, 2022, there were no shares of Series C Preferred Stock outstanding and an aggregate of 1,260,700 shares of Non-Voting Common Stock outstanding.

Regulatory Capital Matters

Regulatory Capital Matters	12 Months Ended
	Dec. 31, 2022
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	NOTE 17 – 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 was phased in over time, became fully effective on January 1, 2019, and consists 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 were fully phased in effective 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”). The Basel III Capital Rules 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 %); 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 %); 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 %); and 4) a minimum Leverage Ratio of 4.0 %. 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 December 31, 2022 and December 31, 2021 for CFBank under the Basel III Capital Rules. 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 Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount Ratio Amount Ratio Amount Ratio December 31, 2022 Total Capital to risk weighted assets $ 193,294 12.74 % $ 159,364 10.50 % $ 151,775 10.00 % Tier 1 (Core) Capital to risk weighted assets 176,828 11.65 % 129,009 8.50 % 121,420 8.00 % Common equity tier 1 capital to risk-weighted assets 176,828 11.65 % 106,243 7.00 % 98,654 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 176,828 9.89 % 71,502 4.00 % 89,377 5.00 % Actual Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total Capital to risk weighted assets $ 170,392 14.02 % $ 127,588 10.50 % $ 121,512 10.00 % Tier 1 (Core) Capital to risk weighted assets 155,195 12.77 % 103,286 8.50 % 97,210 8.00 % Common equity tier 1 capital to risk-weighted assets 155,195 12.77 % 85,059 7.00 % 78,983 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 155,195 11.29 % 54,984 4.00 % 68,730 5.00 % CFBank converted from a mutual to a stock institution in 1998, and a “liquidation account” was established with an initial balance 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 be entitled to a priority 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: 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 stock is dependent upon the amount of cash and liquidity available at the Holding Company level, as well as the receipt of dividends and other distributions from CFBank to the extent necessary to fund such dividends. The Holding Company is a legal entity that is separate and distinct from CFBank, which has no obligation to make any dividends or other funds available 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. Finally, under the terms of the Holding Company’s fixed-to-floating rate subordinated debt, the Holding Company’s ability to pay dividends on its stock is conditioned upon the Holding Company continuing to make required principal and interest payments, and not incurring an event of default, with respect to the subordinated debt. 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 13-Income Taxes.

Derivative Instruments

Derivative Instruments	12 Months Ended
	Dec. 31, 2022
Derivative Instruments [Abstract]
Derivative Instruments	NOTE 18 – 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 $ 42,177 , $ 44,887 and $ 46,474 at December 31, 2022, 2021 and 2020, respectively. 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 December 31, 2022, CFBank had $ 2,767 in cash pledged as collateral for these derivatives. Should the liability increase beyond the collateral value, CFBank may 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 and to comply with certain other regulatory requirements. The interest-rate swaps may be called by the counterparty if CFBank fails to maintain well-capitalized status under regulatory capital standards or becomes subject to certain adverse regulatory events such as a regulatory cease and desist order. As of December 31, 2022, CFBank was well-capitalized under regulatory capital standards and was not subject to any adverse regulatory events specified in CFBank’s interest-rate swap instruments. Summary information about the derivative instruments is as follows: 2022 2021 2020 Notional amount $ 42,177 $ 44,887 $ 46,474 Weighted average pay rate on interest-rate swaps 4.34 % 4.21 % 4.19 % Weighted average receive rate on interest-rate swaps 6.21 % 3.00 % 3.08 % Weighted average maturity (years) 7.7 6.9 7.4 Fair value of derivative asset $ 4,233 $ 538 $ 1,944 Fair value of derivative liability $ ( 4,233 ) $ ( 538 ) $ ( 1,944 ) The 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 income. There were no net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps in 2022, 2021 or 2020. 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. Early in 2021, we strategically scaled down and repositioned its Residential Mortgage Business as a result of the shifts in the residential mortgage industry and, d uring the second quarter of 2022, we exited the direct-to-consumer mortgage business in favor of lending in our regional markets. This resulted in a significant decrease in the volume of our residential mortgage loan originations and, correspondingly, the amount of interest rate lock commitments, in 2021 and 2022. The Company had $ 3,940 , $ 50,312 , and $ 1,048,613 of interest rate lock commitments related to residential mortgage loans at December 31, 2022, 2021, and 2020, respectively. The fair value of these mortgage banking derivatives was reflected by a derivative asset of $ 0 , $ 555 , and $ 18,100 at December 31, 2022, 2021 and 2020, 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 Company had approximately $ 0 , $ 53,250 , and $ 506,750 of TBA mortgage-backed securities at December 31, 2022, 2021 and 2020, respectively. The fair value of these TBA mortgage-backed securities was $ 0 , ($ 73 ) and ($ 2,690 ) at December 31, 2022, 2021 and 2020, respectively, which is included in other liabilities on the consolidated balance sheet. 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: December 31, 2022 December 31, 2021 December 31, 2020 Notional Amount Fair Value Notional Amount Fair Value Notional Amount Fair Value Assets (Liabilities): Interest rate commitments $ 3,940 $ - $ 50,312 $ 555 $ 1,048,613 $ 18,100 TBA mortgage-back securities - - 53,250 ( 73 ) 506,750 ( 2,690 ) The following table represents the notional amount of loans sold during the years ended December 31, 2022, 2021 and 2020: December 31, 2022 December 31, 2021 December 31, 2020 Notional amount of loans sold $ 97,265 $ 2,358,510 $ 2,229,042 The following table represents the revenue recognized on mortgage activities for the years ended December 31, 2022, 2021 and 2020: December 31, 2022 December 31, 2021 December 31, 2020 Gain on loans sold $ ( 64 ) $ 21,646 $ 61,147 Gain (loss) from change in fair value of loans held-for-sale ( 356 ) ( 8,408 ) 7,046 Gain (loss) from change in fair value of derivatives 1,076 ( 7,322 ) ( 9,895 ) $ 656 $ 5,916 $ 58,298

Loan Commitments And Other Rela

Loan Commitments And Other Related Activities	12 Months Ended
	Dec. 31, 2022
Loan Commitments And Other Related Activities [Abstract]
Loan Commitments And Other Related Activities	NOTE 19 – LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off - balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows: 2022 2021 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 30,441 $ 169,838 $ 86,001 $ 135,429 Unused lines of credit $ 9,364 $ 118,687 $ 33,620 $ 73,812 Standby letters of credit $ 3,149 $ - $ 4,851 $ - Commitments to make loans are generally made for periods of 60 days or less, except for construction loan commitments, which are typically for a period of one year , and loans under a specific drawdown schedule, which are based on the individual contracts. The fixed-rate loan commitments had interest rates ranging from 2.0 % to 8.5 % and maturities ranging from 1 month to 30 years at December 31, 2022. The fixed-rate loan commitments had interest rates ranging from 2.0 % to 8.0 % and maturities ranging from 1 month to 30 years at December 31, 2021.

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2022
Parent Company Only Condensed Financial Information [Abstract]
Parent Company Only Condensed Financial Information	NOTE 20 – PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION Condensed financial information of CF Bankshares Inc. follows: 2022 2021 Assets Cash and cash equivalents $ 487 $ 819 Equity securities 5,000 5,000 Investment in banking subsidiary 175,123 155,391 Investment in and advances to other subsidiary 247 243 Other assets 3,027 3,374 Total assets $ 183,884 $ 164,827 Liabilities and Equity Subordinated debentures $ 14,922 $ 14,883 Other borrowings 29,461 24,277 Accrued expenses and other liabilities 253 337 Stockholders' equity 139,248 125,330 Total liabilities and stockholders' equity $ 183,884 $ 164,827 2022 2021 2020 Dividend income $ 10,000 $ - $ - Interest income - 414 - Other income 675 230 178 Interest expense 1,882 1,527 1,209 Other expense 796 851 830 Loss before income tax and before undistributed subsidiary income 7,997 ( 1,734 ) ( 1,861 ) Tax effect 463 407 390 Loss after income tax and before undistributed subsidiary income 8,460 ( 1,327 ) ( 1,471 ) Equity in undistributed subsidiary income 9,704 19,780 31,079 Net income $ 18,164 $ 18,453 $ 29,608 Comprehensive income $ 16,297 $ 18,187 $ 29,676 2022 2021 2020 Cash flows from operating activities Net Income $ 18,164 $ 18,453 $ 29,608 Adjustments: Effect of subsidiaries' operations ( 9,704 ) ( 19,780 ) ( 31,079 ) Amortization, net 39 39 38 Change in other assets and other liabilities 263 ( 681 ) ( 480 ) Net cash used by operating activities 8,762 ( 1,969 ) ( 1,913 ) Cash flows from investing activities Investments in banking subsidiary ( 11,000 ) ( 10,000 ) ( 5,000 ) Purchase of equity securities - - ( 5,000 ) Net cash used by investing activities ( 11,000 ) ( 10,000 ) ( 10,000 ) Cash flows from financing activities Proceeds from other borrowings 15,184 19,277 15,000 Repayments of other borrowings ( 10,000 ) ( 4,500 ) ( 10,500 ) Proceeds from exercise of stock options 387 185 36 Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes and exercise proceeds ( 173 ) ( 139 ) ( 32 ) Purchase of treasury shares ( 2,339 ) ( 2,972 ) ( 648 ) Dividends paid ( 1,153 ) ( 848 ) ( 195 ) Net cash from financing activities 1,906 11,003 3,661 Net change in cash and cash equivalents ( 332 ) ( 966 ) ( 8,252 ) Beginning cash and cash equivalents 819 1,785 10,037 Ending cash and cash equivalents $ 487 $ 819 $ 1,785

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Common Share [Abstract]
Earnings Per Common Share	NOTE 21 – 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 (certain unvested share-based awards and Series C preferred stock outstanding) according to dividends declared (or accumulated) and participation rights in undistributed earnings. The factors used in the earnings per share computation follow: Year Ended December 31, 2022 December 31, 2021 December 31, 2020 Basic Net income $ 18,164 $ 18,453 $ 29,608 Earnings allocated to participating securities (Series C preferred stock) (1) - - ( 2,280 ) Net income allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Weighted average common shares outstanding including unvested share-based payment awards 6,508,064 6,605,278 6,072,829 Less: Unvested share-based payment awards-2019 Plan ( 111,011 ) ( 97,122 ) ( 43,732 ) Average shares 6,397,053 6,508,156 6,029,097 Basic earnings per common share $ 2.84 $ 2.84 $ 4.53 Diluted Net earnings allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Add back: Preferred Dividends on Series B stock and accretion of discount - - - Net earnings allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Weighted average common shares outstanding for basic earnings per common share 6,397,053 6,508,156 6,029,097 Add: Dilutive effects of assumed exercises of stock options 27,096 45,169 34,158 Add: Dilutive effects of unvested share-based payment awards-2019 Plan 111,011 97,122 43,732 Average shares and dilutive potential common shares 6,535,160 6,650,447 6,106,987 Diluted earnings per common share $ 2.78 $ 2.77 $ 4.47 (1) 12,607 outstanding shares of Series C preferred stock were converted into a total of 1,260,700 shares of the Company’s Non-Voting Common Stock effective as of the close of business on May 28, 2020. The following securities were anti-dilutive and not considered in computing diluted earnings per common share. 2022 2021 2020 Stock options - - 331

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2022
Contingent Liabilities [Abstract]
Contingent Liabilities	NOTE 22 - CONTINGENT LIABILITIES General Litigation: The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. It is the opinion of management that the disposition or ultimate resolution of such claims and lawsuits will not have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 23 - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the years ended December 31, 2022, 2021 and 2020 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive income: Changes in Accumulated Other Comprehensive Income by Component For the Year Ended December 31, 2022, 2021 and 2020 (1) Unrealized Gains and Losses on Available-for-Sale Securities 2022 2021 2020 Accumulated other comprehensive gain (loss), beginning of period $ ( 170 ) $ 96 $ 28 Other comprehensive gain (loss) before reclassifications ( 1,867 ) ( 266 ) 68 Less amount reclassified from accumulated other comprehensive loss (2) - - - Net current-period other comprehensive income (loss) ( 1,867 ) ( 266 ) 68 Accumulated other comprehensive income (loss), end of period $ ( 2,037 ) $ ( 170 ) $ 96 (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 years ended December 31, 2022, 2021 and 2020.

Branch Sale

Branch Sale	12 Months Ended
	Dec. 31, 2022
Branch Sale [Abstract]
Branch Sale	NOTE 24 - BRANCH SALE On December 29, 2020, CFBank entered into a Branch Purchase and Assumption Agreement (the “P&A Agreement”) with Consumers National Bank (“Consumers”) providing for the acquisition by Consumers of two branches of CFBank in Columbiana County, Ohio – CFBank’s drive-up branch location in Wellsville, Ohio and CFBank’s branch location in Calcutta, Ohio (the “Branches”). On July 16, 2021, CFBank completed its sale to Consumers of certain assets and liabilities associated with the Branches. Pursuant to the terms of the P&A Agreement, Consumers assumed certain deposit liabilities and acquired certain loans, as well as cash, real property, personal property and other fixed assets associated with the Branches. During the third quarter of 2021, the Company recognized a combined gain on sale of deposits of $ 1.9 million related to the sale of the Branches.

Other Assets Held For Sale

Other Assets Held For Sale	12 Months Ended
	Dec. 31, 2022
Other Assets Held For Sale [Abstract]
Other Assets Held For Sale	NOTE 25- OTHER ASSETS HELD FOR SALE During the third quarter of 2022, the Company began marketing its Worthington headquarters building for sale as it prepared to move its headquarters to New Albany, Ohio. On October 20, 2022, the Company entered into a contract to sell the building for $ 2,010 . As a result, impairment expense of $ 542 was recorded during September 2022 to adjust the building and land value to the offered price, less costs to sell, and the associated assets were transferred to other assets held for sale on the consolidated balance sheet.

Subsequent Event

Subsequent Event	12 Months Ended
	Dec. 31, 2022
Subsequent Event [Abstract]
Subsequent Event	NOTE 26- SUBSEQUENT EVENT On February 13, 2023, the lease on the Company’s New Albany headquarters and branch location commenced. As a result, an operating lease right-of-use asset and operating lease liability of approximately $ 4,267 and $ 4,267 , respectively was recognized.

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2022
Summary Of Significant Accounting Policies [Abstract]
Nature Of Operations And Principles Of Consolidation	Nature of Operations and Principles of Consolidation : The consolidated financial statements include CF Bankshares Inc. (the “Holding Company”) and its wholly-owned subsidiary, CFBank, National Association (“CFBank”). On December 1, 2016, CFBank converted from a federal savings institution to a national bank. Prior to December 1, 2016, the Holding Company was a registered savings and loan holding company. Effective as of December 1, 2016 and in conjunction with the conversion of CFBank to a national bank, the Holding Company became a registered bank holding company and elected financial holding company status with the FRB . Effective as of July 27, 2020, the Company changed its name from Central Federal Corporation to CF Bankshares Inc. The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. CFBank provides financial services through its eight full-service banking offices in the metro markets of Columbus, Cincinnati, Cleveland and Akron, Ohio and Indianapolis, Indiana. Its primary deposit products are commercial and retail checking, savings, money market and term certificate accounts. Its primary lending products are commercial and commercial real estate, residential mortgages and installment loans. There are no significant concentrations of loans to any one industry or customer segment. However, our customers’ ability to repay their loans is dependent on general economic conditions and the real estate values in their geographic areas.
Use Of Estimates	Use of Estimates : To prepare financial statements in conformity with U.S. generally accepted accounting principles (GAAP), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan and lease losses (ALLL), deferred tax assets and fair values of financial instruments are particularly subject to change.
Cash Flows	Cash Flows : Cash and cash equivalents include cash, deposits with other financial institutions with maturities fewer than 90 days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and borrowings with original maturities under 90 days.
Cash In Excess Of FDIC Limits	Cash in Excess of FDIC Limits: At December 31, 2022, the Company’s cash accounts exceeded federally insured limits by approximately $ 136.9 million. Approximately $ 133.2 million of that amount was held by either the Federal Reserve Bank or the Federal Home Loan Bank of Cincinnati, which is not federally insured.
Interest-Bearing Deposits In Other Financial Institution	Interest-Bearing Deposits in Other Financial Institutions : Interest-bearing deposits in other financial institutions mature in April, 2025 and are carried at cost. As of December 31, 2022 and December 31, 2021, there was $ 100 in interest-bearing deposits in other financial institutions.
Securities	Securities : Debt securities are classified as available for sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income. Interest income includes amortization of purchase premium or accretion of discount. Premiums and discounts on securities are amortized or accreted on the level-yield method, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated based on industry payment trends. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or will more likely than not be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.
Equity Securities	Equity Securities : Equity securities without a readily determinable fair value are held at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. For equity securities measured under the practicability exception under Accounting Standards Update (“ASU”) 2016-01, the Company performs a qualitative assessment for equity securities without readily determinable fair values considering impairment indicators to evaluate whether an impairment exists. If an impairment exists, the Company will recognize a loss based on the difference between carrying value and fair value.
Loans Held For Sale	Loans Held for Sale : Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing rights when mortgage loans held for sale are sold with servicing rights retained. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.
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, 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 it 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 provided 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.
Concentration Of Credit Risk	Concentration of Credit Risk : Most of the Company’s primary business activity is with customers located within the Ohio counties of Franklin, Delaware, Hamilton, Cuyahoga and Summit and Marian County, Indiana and contiguous counties. Therefore, the Company’s exposure to credit risk can be affected by changes in the economies within these counties. Although these counties are the Company’s primary market area for loans, the Company originates residential and commercial real estate loans throughout the United States.
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 substandard loans within the commercial, multi-family residential, commercial real estate and construction segments 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, single-family residential real estate loans and commercial leases, 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 CFBank over a three-year period. The general component is calculated based on CFBank’s loan balances and actual 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. The following portfolio segments have been identified: commercial loans; single-family residential real estate loans; multi-family residential real estate loans; commercial real estate loans; construction loans; home equity lines of credit; and other consumer loans. A description of each segment of the loan portfolio, along with the risk characteristics of each segment, is included below. Commercial loans: Commercial loans and direct financing leases include loans and leases to businesses generally located within our primary market area. Those loans and leases are typically secured by business equipment, inventory, accounts receivable and other business assets. In underwriting commercial loans, we consider the net operating income of the borrower, the debt service ratio and the financial strength, expertise and credit history of the business owners and/or guarantors. Because payments on commercial loans are dependent on successful operation of the business enterprise, repayment of such loans may be subject to a greater extent to adverse conditions in the economy. We seek to mitigate these risks through underwriting policies which require such loans to be qualified at origination on the basis of the borrower’s financial performance and the financial strength of the business owners and/or guarantors. Single-family residential real estate loans: Single-family residential real estate loans include permanent conventional mortgage loans secured by single-family residences that we originate for portfolio and purchased loans located primarily within our primary market area. Credit approval for single-family residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment and an established credit record. Our policy is to originate quality loans that are evaluated for risk based on the borrower’s ability to repay the loan. Collateral positions are established by obtaining independent appraisal opinions. Mortgage insurance may be required when the LTV exceeds 80 %. Multi-family residential real estate loans: Multi-family residential real estate loans include loans secured by apartment buildings, condominiums and multi-family residential houses generally located within our primary market area. Underwriting policies provide that multi-family residential real estate loans generally may be made in amounts up to 85 % of the lower of the appraised value or purchase price of the property. In underwriting multi-family residential real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed-rate and adjustable-rate loans. Fixed-rate loans are generally limited to three years to five years , at which time they convert to adjustable-rate loans. Because payments on loans secured by multi-family residential properties are dependent on successful operation or management of the properties, repayment of multi-family residential real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate multi-family residential real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate multi-family residential real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate multi-family residential real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Commercial real estate loans: Commercial real estate loans include loans secured by owner occupied and non-owner occupied properties used for business purposes, such as manufacturing facilities, office buildings or retail facilities generally located within our primary market area. Underwriting policies provide that commercial real estate loans may be made in amounts up to 85 % of the lower of the appraised value or purchase price of the property. In underwriting commercial real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed and adjustable-rate loans. Fixed-rate loans are generally limited to three years to five years , at which time they convert to adjustable-rate loans. Because payments on loans secured by commercial real estate properties are dependent on successful operation or management of the properties, repayment of commercial real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate commercial real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate commercial real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate commercial real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Construction loans: Construction loans include loans to finance the construction of residential and commercial properties generally located within our primary market area. Construction loans are fixed-rate or adjustable-rate loans which may convert to permanent loans with maturities of up to 30 years. Our policies provide that construction loans may generally be made in amounts up to 80 % of the appraised value of the property, and an independent appraisal of the property is required. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction. In underwriting construction loans, we consider the property owner’s and/or guarantor’s financial strength, expertise and credit history. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, we may be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on construction loans through inspections of construction progress on the property and by requiring personal guarantees and reviewing current personal financial statements and tax returns, as well as other projects of the developer. Home equity lines of credit: Home equity lines of credit include both loans we originate for portfolio and purchased loans. We originate home equity lines of credit to customers generally within our primary market area. Home equity lines of credit are variable rate loans and the interest rate adjusts monthly at various margins to the prime rate of interest as disclosed in The Wall Street Journal. The margin is based on certain factors including the loan balance, value of collateral, election of auto-payment, and the borrower’s FICO® score. The amount of the line is based on the borrower’s credit, income and equity in the home. When combined with the balance of the prior mortgage liens, these lines generally may not exceed 89.9 % of the appraised value of the property at the time of the loan commitment. The lines are secured by a subordinate lien on the underlying real estate and are, therefore, vulnerable to declines in property values in the geographic areas where the properties are located. Credit approval for home equity lines of credit requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral. Collectability of home equity lines of credit are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. We continue to monitor collateral values and borrower FICO® scores on both purchased and portfolio loans and, when the situation warrants, have frozen the lines of credit. Other consumer loans: Other consumer loans include closed-end home equity, home improvement, auto, credit card loans and any purchased loans to consumers generally located within our primary market area. Credit approval for other consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. 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 .
Transfers Of Financial Assets	Transfers of Financial Assets : Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Assets	Foreclosed Assets : Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, an adjustment is recorded through expense. Operating costs after acquisition are expensed.
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 joint ventures are engaged in shorter term operating activities related to single family real estate developments. 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. Under ASU 2016-15, the Company has elected the nature of distribution approach to recognize returns from equity method investments. Returns on investment are classified as cash flows from operating activities and returns of investment are classified as investing activities. The balance outstanding in joint ventures at December 31, 2022 and December 31, 2021 was $ 1,568 and $ 2,150 , respectively. Income recognized on the joint ventures was $ 172 , $ 224 , and $ 173 , respectively, for 2022, 2021 and 2020.
Low Income Housing Tax Credits (LIHTC)	Low Income Housing Tax Credits (LIHTC): The Company has invested in LIHTCs through funds that assist 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 LIHTCs. 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.
Historic Tax Credits	Historic Tax Credits: The Company made equity investments as a non-managing member in two entities that received historic tax credits (HTC) pursuant to Section 47 of the Internal Revenue Code. The Company receives a return through the realization of federal income tax credits, as well as other tax benefits, such as tax deductions from net operating losses of the investment over a period of time. The HTC investments are accounted for under the equity method of accounting and are included in accrued interest receivable and other assets on the consolidated balance sheets. The Company’s recorded investment in these entities was $ 2,097 at December 31, 2022 and 2021. The maximum exposure to loss related to these investments was $ 2,097 at December 31, 2022, representing the Company’s investment balance .
Premises And Equipment	Premises and Equipment : Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight - line method with useful lives ranging from 3 years to 40 years. Furniture, fixtures and equipment are depreciated using the straight - line method with useful lives ranging from 2 years to 25 years. Leasehold improvements are depreciated straight-line over the shorter of the useful life or the lease term.
Federal Home Loan Bank (FHLB) Stock	Federal Home Loan Bank (FHLB) stock: CFBank is a member of the FHLB system. Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
Federal Reserve Bank (FRB) Stock	Federal Reserve Bank (FRB) stock: CFBank is a member of the Federal Reserve System and is required to own a certain amount of stock in the FRB. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
Bank Owned Life Insurance	Bank Owned Life Insurance : CFBank has purchased life insurance policies on certain directors and employees. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Loan Commitments And Related Financial Instruments	Loan Commitments and Related Financial Instruments : Financial instruments include off - balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, and fees associated with origination are booked to non-interest income at the origination date.
Derivatives	Derivatives : Derivative financial instruments are recognized as assets or liabilities at fair value. The Company's derivatives consist mainly of interest rate swap agreements, which are used as part of its asset liability management program to help manage interest rate risk. The Company does not use derivatives for trading purposes. The derivative transactions are considered instruments with no hedging designation, otherwise known as stand-alone derivatives. Changes in the fair value of the derivatives are reported currently in earnings, as other noninterest income.
Mortgage Banking Derivatives	Mortgage Banking Derivatives : Commitments to fund mortgage loans to be sold into the secondary market, otherwise known as interest rate locks, are accounted for as free standing derivatives. Mortgage banking activities include two types of commitments: rate lock commitments and forward loan commitments. Fair values of these mortgage derivatives are based on anticipated gains on the underlying loans. Changes in the fair values of these derivatives are included in net gains on sales of loans.
Stock-Based Compensation	Stock-Based Compensation : Compensation cost is recognized for stock options and restricted stock awards issued to directors and employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the required service period for each separately vesting portion of the award. Forfeitures are recognized as incurred.
Income Taxes	Income Taxes : Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 % likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense.
Retirement Plans	Retirement Plans : Pension expense is the amount of annual contributions by the Company to the multi-employer contributory trusteed pension plan. Employee 401(k) and profit sharing plan expense is the amount of matching contributions. Supplemental retirement plan expense allocates the benefits over years of service.
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 .
Comprehensive Income (Loss)	Comprehensive Income (Loss) : Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale, which are also recognized as a separate component of equity. Reclassifications from accumulated other comprehensive income are conducted on a specific identification method.
Loss Contingencies	Loss Contingencies : Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there were any such matters at December 31, 2022 that will have a material effect on the financial statements. See Note 22 – Contingent Liabilities.
Restrictions On Cash	Restrictions on Cash : Cash on deposit with the FHLB included $ 3,300 pledged as collateral for FHLB advances at December 31, 2022.
Equity	Equity : Treasury stock is carried at cost. Shares sold out of treasury are valued based on the weighted average cost.
Dividend Restrictions	Dividend Restriction : Banking regulations require us to maintain certain capital levels and may limit the dividends paid by CFBank to the Holding Company or by the Holding Company to stockholders. The ability of the Holding Company to pay dividends on its common stock is dependent upon the amount of cash and liquidity available at the Holding Company level, as well as the receipt of dividends and other distributions from CFBank to the extent necessary to fund such dividends. The Holding Company is a legal entity that is separate and distinct from CFBank, which has no obligation to make any dividends or other funds available 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. Finally, under the terms of the Holding Company’s fixed-to-floating rate subordinated debt, the Holding Company’s ability to pay dividends on its stock is conditioned upon the Holding Company continuing to make required principal and interest payments, and not incurring an event of default, with respect to the subordinated debt .
Fair Value Of Financial Instruments	Fair Value of Financial Instruments : Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 6 – Fair Value. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Advertising And Marketing Expense	Advertising and Marketing Expense: Advertising costs are expensed as incurred and are recorded as advertising and marketing, a component of noninterest expense. Advertising and marketing expense also includes leads-based marketing for our residential mortgage lending business.
Operating Segments	Operating Segments : While management monitors and analyzes the revenue streams of the Company’s various products and services, the operations and financial performance is evaluated on a Company - wide basis. Operating results are not reviewed by senior management to make resource allocation or performance decisions. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
Reclassifications	Reclassifications: Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior period net income or stockholders’ equity.
Recent And Future Accounting Pronouncements And Developments	Recent and Future Accounting Pronouncements and Developments: In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13 “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” This ASU requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. Organizations will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU was effective for SEC filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019 (i.e., January 1, 2020, for calendar year entities). FASB subsequently approved a delay in adoption for Smaller Reporting Companies. The Company has completed an analysis to determine that it qualifies as a Smaller Reporting Company. As such, adoption can be postponed until periods beginning after December 15, 2022 (i.e., January 1, 2023, for calendar year entities). Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Current Expected Credit Losses (“CECL”) methodology applies to loans held for investment, held to maturity debt securities, and off balance-sheet credit exposures. The ASU allows for several different methods of computing the ALLL: closed pool, vintage, average charge-off, migration, probability of default / loss given default, discounted cash flow, and regression. Based on its analysis of observable data, the Company concluded the average charge-off method to be the most appropriate and statistically relevant. A lookback to March 31, 2000 will be utilized as the historical loss period due to its inclusion of several economic cycles and relevance to real estate secured assets. The Company began working with its third-party service provider to review parallel reports in January 2019. At the end of the second quarter of 2022, the Company evaluated and refined its methodology and produced a parallel report for the calculation of the ALLL under the ASU guidance. The Company will contract with a third party to begin an independent validation of its processes and methodology. The ALLL has been computed through 2022 by applying historical loss rates, adjusted for qualitative factors, to pools of loans. Upon implementation of the ASU, the expected loss estimate will be made up of a historical lookback of actual losses applied over the life of the loan portfolio and adjusted for qualitative factors and forecasted losses based on economic and forward-looking data applied over a reasonable and supportable forecast period. The impact of the adoption of the ASU is estimated to be a one-time cumulative-effect adjustment to our reserves for loans and unfunded commitments of approximately $ 15 . The qualitative impact of the new accounting standard will still be directed by many of the same factors that impacted the previous methodology for computing the ALLL including, but not limited to, economic conditions, quality and experience of staff, changes in the value of collateral, concentrations of credit in loan types or industries and changes to lending policies. In addition to this, the Company will also use reasonable and supportable forecasts. Examples of this are regression analyses of data from the Federal Open Market Committee quarterly economic projections for change in real GDP and of national unemployment. The Company does not anticipate any material changes to its business practices as a result of implementing the ASU. The Company will adopt ASU 2016-13 on January 1, 2023. In March 2022, the FASB issued ASU 2022-02 "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminates the accounting guidance on troubled debt restructurings for creditors in ASC 310-40 and requires entities to evaluate all receivable modifications under ASC 310-20 to determine whether a modification made to a borrower results in a new loan or a continuation of the existing loan. The amended guidance adds enhanced disclosures for creditors with respect to loan refinancings and restructurings for borrowers experiencing financial difficulty. The amended guidance also requires disclosure of current period gross charge-offs by year of origination within the vintage disclosures required by ASC 326. The amended guidance is effective for the Company on January 1, 2023, with early adoption permitted. The Company will adopt ASU 2022-02 on January 1, 2023. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting. These amendments provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022 but were extended by ASU 2022-06 as described below. The Company has implemented a transition plan to identify and modify its loans and other financial instruments with attributes that are either directly or indirectly influenced by LIBOR. The Company is continuing to assess ASU 2020-04 and its impact on the Company's transition away from LIBOR for its loan and other financial instruments. The transition from LIBOR is not expected to have a significant impact on the Company’s consolidated financial statements. In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. ASU 2022-06 was issued to extend the period of time preparers can use the reference rate reform relief guidance under the ASC Topic 848 from December 31, 2022 to December 31, 2024. The FASB had previously included a sunset provision within Topic 848 based on expectations of when the LIBOR would cease being published. At the time that ASU 2020-04 - Reference Rate Reform (Topic 848): Facilitation of the Effect of Reference Rate Reform on Financial Reporting was issued, the UK Financial Conduct Authority had established the intent that it would no longer be necessary for banks to submit to LIBOR after December 31, 2021. As a result, the sunset provision was set for December 31, 2022, 12 months after the expected cessation date of all currencies and tenors of LIBOR. In March 2021, the UK Financial Conduct Authority announced that the intended cessation date of LIBOR would be June 30, 2023, which is beyond the current sunset date of Topic 848. The amendments of ASU 2022-06 were effective immediately. The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements; however, the Company will consider this guidance as contracts are transitioned from LIBOR to another reference rate.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2022 Corporate debt $ 9,978 $ - $ 2,478 $ 7,500 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 3,025 - 100 2,925 Mortgage-backed securities - residential 17 - - 17 Total $ 13,020 $ - $ 2,578 $ 10,442 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Corporate debt $ 9,976 $ - $ 226 $ 9,750 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,551 31 21 6,561 Mortgage-backed securities - residential 35 1 - 36 Total $ 16,562 $ 32 $ 247 $ 16,347
Securities Classified By Maturity Date	December 31, 2022 December 31, 2021 Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,001 $ 1,961 $ 3,504 $ 3,518 Due from one to five years 1,024 964 3,047 3,043 Due from five to ten years 9,978 7,500 9,976 9,750 Mortgage-backed securities - residential 17 17 35 36 Total $ 13,020 $ 10,442 $ 16,562 $ 16,347
Fair Value Of Securities Pledged	At December 31, 2022 2021 2020 Pledged as collateral for: FHLB advances $ 967 $ 1,016 $ 1,017 Public deposits 479 501 3,060 Mortgage banking derivatives - 1,504 3,016 Total $ 1,446 $ 3,021 $ 7,093
Securities With Unrealized Losses	December 31, 2022 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ 7,500 $ 2,478 $ 7,500 $ 2,478 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 1,482 19 1,443 81 2,925 100 Mortgage-backed securities - residential (1) 17 - - - 17 - Total temporarily impaired $ 1,499 $ 19 $ 8,943 $ 2,559 $ 10,442 $ 2,578 (1) Unrealized loss is less than $1 resulting in rounding to zero . December 31, 2021 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ 9,750 $ 226 $ - $ - $ 9,750 $ 226 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 3,024 21 - - 3,024 21 Total temporarily impaired $ 12,774 $ 247 $ - $ - $ 12,774 $ 247

Loans And Leases (Tables)

Loans And Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Loans And Leases [Abstract]
Recorded Investment In Loans By Portfolio Segment	December 31, 2022 December 31, 2021 Commercial (1) $ 427,423 $ 336,881 Real estate: Single-family residential 465,057 346,797 Multi-family residential 104,148 76,785 Commercial 375,092 359,562 Construction 184,122 83,360 Consumer: Home equity lines of credit 30,748 24,228 Other 1,727 2,044 Subtotal 1,588,317 1,229,657 Less: ALLL ( 16,062 ) ( 15,508 ) Loans and Leases, net $ 1,572,255 $ 1,214,149 (1) Includes $ 20,768 and $ 23,157 of commercial leases at December 31, 2022 and December 31, 2021, respectively .
Activity In ALLL By Portfolio Segment	December 31, 2022 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 Addition to (reduction in) provision for loan losses 900 547 170 ( 1,650 ) 900 50 ( 130 ) 787 Charge-offs ( 263 ) - - - - - - ( 263 ) Recoveries - 19 - - - 11 - 30 Ending balance $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 December 31, 2021 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022 Addition to (reduction in) provision for loan losses 645 2,040 360 ( 4,150 ) ( 510 ) ( 25 ) 40 ( 1,600 ) Charge-offs - ( 17 ) - - - - - ( 17 ) Recoveries 56 26 - - - 21 - 103 Ending balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 December 31, 2020 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 2,054 $ 948 $ 447 $ 2,604 $ 759 $ 265 $ 61 $ 7,138 Addition to (reduction in) provision for loan losses 2,005 745 20 6,580 1,495 15 55 10,915 Charge-offs ( 648 ) ( 425 ) - - - ( 21 ) - ( 1,094 ) Recoveries 15 31 - - - 17 - 63 Ending balance $ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022
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 impairment method as of December 31, 2022: 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 $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 4,764 3,914 997 3,384 2,644 333 26 16,062 Total ending allowance balance $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 Loans: Individually evaluated for impairment $ 80 $ 95 $ - $ - $ - $ - $ - $ 175 Collectively evaluated for impairment 427,343 464,962 104,148 375,092 184,122 30,748 1,727 1,588,142 Total ending loan balance $ 427,423 $ 465,057 $ 104,148 $ 375,092 $ 184,122 $ 30,748 $ 1,727 $ 1,588,317 The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2021: 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 $ - $ - $ - $ 20 $ - $ - $ - $ 20 Collectively evaluated for impairment 4,127 3,348 827 5,014 1,744 272 156 15,488 Total ending allowance balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 Loans: Individually evaluated for impairment 221 $ 99 $ - $ 2,658 $ - $ - $ - $ 2,978 Collectively evaluated for impairment 336,660 346,698 76,785 356,904 83,360 24,228 2,044 1,226,679 Total ending loan balance $ 336,881 $ 346,797 $ 76,785 $ 359,562 $ 83,360 $ 24,228 $ 2,044 $ 1,229,657
Individually Evaluated For Impairment By Class Of Loans	At or for the year ended December 31, 2022: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 371 80 - 125 1 Real estate: Single-family residential (1) 95 95 - 97 5 Commercial: Non-owner occupied - - - 350 17 Total with an allowance recorded 466 175 - 572 23 Total $ 466 $ 175 $ - $ 572 $ 23 (1) Allowance recorded is less than $ 1 resulting in rounding to zero At or for the year ended December 31, 2021: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 485 221 - 241 9 Real estate: Single-family residential (1) 99 99 - 101 6 Commercial: Non-owner occupied 2,658 2,658 20 2,688 150 Total with an allowance recorded 3,242 2,978 20 3,030 165 Total $ 3,242 $ 2,978 $ 20 $ 3,030 $ 165 (1) Allowance recorded is less than $ 1 resulting in rounding to zero At or for the year ended December 31, 2020: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Real estate: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 533 268 - 489 10 Real estate: Single-family residential (1) 104 104 - 106 4 Commercial: Non-owner occupied 2,718 2,718 23 2,728 150 Total with an allowance recorded 3,355 3,090 23 3,323 164 Total $ 3,355 $ 3,090 $ 23 $ 3,323 $ 164 (1) Allowance recorded is less than $ 1 resulting in rounding to zero.
Recorded Investment In Nonaccrual Loans By Class Of Loans	2022 2021 Loans past due over 90 days still on accrual $ - $ - Nonaccrual loans: Commercial 99 147 Real estate: Single-family residential 641 656 Commercial: Consumer: Home equity lines of credit: Originated for portfolio 18 153 Purchased for portfolio - 41 Other consumer 3 - Total nonaccrual 761 997 Total nonperforming loans $ 761 $ 997
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 December 31, 2022: 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 $ 255 $ - $ 99 $ 354 $ 427,069 $ - Real estate: Single-family residential 966 167 563 1,696 463,361 78 Multi-family residential - - - - 104,148 - Commercial: Non-owner occupied - - - - 169,686 - Owner occupied - - - - 172,698 - Land - - - - 32,708 - Construction - - - - 184,122 - Consumer: Home equity lines of credit: Originated for portfolio 29 - 18 47 30,701 - Purchased for portfolio - - - - - - Other - - 3 3 1,724 - Total $ 1,250 $ 167 $ 683 $ 2,100 $ 1,586,217 $ 78 The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2021: 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 $ - $ - $ - $ - $ 336,881 $ 147 Real estate: Single-family residential 2,144 652 563 3,359 343,438 93 Multi-family residential - - - - 76,785 - Commercial: Non-owner occupied - - - - 185,130 - Owner occupied - - - - 134,352 - Land - - - - 40,080 - Construction - - - - 83,360 - Consumer: Home equity lines of credit: Originated for portfolio 2 - 153 155 23,909 - Purchased for portfolio - - 41 41 123 - Other - - - - 2,044 - Total $ 2,146 $ 652 $ 757 $ 3,555 $ 1,226,102 $ 240
Nonaccrual Loans As Troubled Debt Restructuring	2022 2021 Commercial $ 80 $ 147 Total $ 80 $ 147
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 as of December 31, 2022 and based on the most recent analysis performed follows. Not Rated Pass Special Mention Substandard Doubtful Total Commercial $ - $ 422,673 $ 4,651 $ 19 $ 80 $ 427,423 Real estate: Single-family residential 451,939 12,477 - 641 - 465,057 Multi-family residential - 104,148 - - - 104,148 Commercial: Non-owner occupied - 168,731 955 - - 169,686 Owner occupied - 171,998 700 - - 172,698 Land - 32,708 - - - 32,708 Construction 3,084 180,520 518 - - 184,122 Consumer: Home equity lines of credit: Originated for portfolio 30,730 - - 18 - 30,748 Purchased for portfolio - - - - - - Other 1,724 - - 3 - 1,727 $ 487,477 $ 1,093,255 $ 6,824 $ 681 $ 80 $ 1,588,317 The recorded investment in loans and leases by risk category and class of loans as of December 31, 2021 follows. Not Rated Pass Special Mention Substandard Doubtful Total Commercial $ - $ 336,660 $ - $ 74 $ 147 $ 336,881 Real estate: Single-family residential 346,141 - - 656 - 346,797 Multi-family residential - 76,785 - - - 76,785 Commercial: Non-owner occupied - 182,472 - 2,658 - 185,130 Owner occupied - 132,470 1,882 - - 134,352 Land - 40,080 - - - 40,080 Construction - 82,825 535 - - 83,360 Consumer: Home equity lines of credit: Originated for portfolio 23,911 - - 153 - 24,064 Purchased for portfolio 123 - - 41 - 164 Other 2,044 - - - - 2,044 $ 372,219 $ 851,292 $ 2,417 $ 3,582 $ 147 $ 1,229,657
Components Of Net Investment In Direct Financing Leases	December 31, 2022 December 31, 2021 Total minimum lease payments to be received $ 22,533 $ 25,488 Less: unearned income ( 1,798 ) ( 2,385 ) Plus: Indirect initial costs 33 54 Net investment in direct financing leases $ 20,768 $ 23,157
Summary Of Future Minimum Lease Payments Receivable	2023 $ 6,903 2024 6,375 2025 5,606 2026 2,975 2027 624 Thereafter 50 $ 22,533

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value [Abstract]
Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities	Fair Value Measurements at December 31, 2022 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 7,500 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,925 Mortgage-backed securities - residential 17 Total securities available for sale $ 10,442 Loans held for sale $ 580 Derivative assets $ 4,233 Financial Liabilities: Derivative liabilities $ 4,233 Fair Value Measurements at December 31, 2021 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 9,750 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,561 Mortgage-backed securities - residential 36 Total securities available for sale $ 16,347 Loans held for sale $ 27,988 Derivative assets $ 538 Interest rate lock commitments $ 555 Financial Liabilities: Derivative liabilities $ 538 TBA mortgage-backed securities $ 73
Assets Measured At Fair Value On A Non-Recurring Basis	Fair Value Measurements at December 31, 2022 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 80 Other assets held for sale $ 1,930
Financial Instruments Measured At Fair Value On A Non-Recurring Basis	Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 80 Comparable sales approach Adjustment for differences between the stated value and net realizable value 64.00 % Other assets held for sale $ 1,930 Contract value less costs to sell Sales commission 4.00 %
Aggregate Fair Value, Contractual Balance And Gain Or Loss	December 31, 2022 December 31, 2021 Aggregate fair value $ 580 $ 27,988 Contractual balance 580 27,632 Gain - 356
Total Amount Of Gains And Losses From Changes In Fair Value Included In Earnings	2022 2021 2020 Interest income $ 172 $ 5,572 $ 6,231 Interest expense - - - Change in fair value ( 356 ) ( 8,408 ) 7,046 Total change in fair value $ ( 184 ) $ ( 2,836 ) $ 13,277
Carrying Amounts And Estimated Fair Values Of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at year-end 2022 were as follows: Fair Value Measurements at December 31, 2022 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 151,787 $ 151,787 $ - $ - $ 151,787 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 10,442 - 10,442 - 10,442 Equity securities 5,000 - 5,000 - 5,000 Loans held for sale 580 - 580 - 580 Loans and leases, net 1,572,255 - - 1,542,796 1,542,796 FHLB and FRB stock 7,942 n/a n/a n/a n/a Accrued interest receivable 8,067 70 176 7,821 8,067 Other assets held for sale 1,930 - - 1,930 1,930 Derivative assets 4,233 - 4,233 - 4,233 Financial liabilities Deposits $ ( 1,527,922 ) $ ( 969,797 ) $ ( 545,871 ) $ - $ ( 1,515,668 ) FHLB advances and other debt ( 109,461 ) - ( 105,715 ) - ( 105,715 ) Advances by borrowers for taxes and insurance ( 3,513 ) - - ( 3,513 ) ( 3,513 ) Subordinated debentures ( 14,922 ) - ( 14,621 ) - ( 14,621 ) Accrued interest payable ( 840 ) - ( 840 ) - ( 840 ) Derivative liabilities ( 4,233 ) - ( 4,233 ) - ( 4,233 ) The carrying amounts and estimated fair values of financial instruments at year-end 2021 were as follows: Fair Value Measurements at December 31, 2021 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 166,591 $ 166,591 $ - $ - $ 166,591 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 16,347 - 16,347 - 16,347 Equity securities 5,000 - 5,000 - 5,000 Loans held for sale 27,988 - 27,988 - 27,988 Loans and leases, net 1,214,149 - - 1,231,228 1,231,228 FHLB and FRB stock 7,315 n/a n/a n/a n/a Accrued interest receivable 4,143 2 91 3,947 4,040 Yield maintenance provisions (embedded derivatives) 538 - 538 - 538 Interest rate lock commitments 555 - 555 - 555 Financial liabilities Deposits $ ( 1,246,352 ) $ ( 661,818 ) $ ( 585,214 ) $ - $ ( 1,247,032 ) FHLB advances and other debt ( 89,727 ) - ( 90,670 ) - ( 90,670 ) Advances by borrowers for taxes and insurance ( 2,752 ) - - ( 2,752 ) ( 2,752 ) Subordinated debentures ( 14,883 ) - ( 16,051 ) - ( 16,051 ) Accrued interest payable ( 228 ) - ( 228 ) - ( 228 ) Derivative liabilities ( 538 ) - ( 538 ) - ( 538 ) TBA mortgage-backed securities ( 73 ) - ( 73 ) - ( 73 )

Loan Servicing (Tables)

Loan Servicing (Tables)	12 Months Ended
	Dec. 31, 2022
Loan Servicing [Abstract]
Principal Balances Of Mortgage Loans At Year-End	December 31, 2022 December 31, 2021 Mortgage loans serviced for Freddie Mac $ 1,163 $ 1,598

Premises And Equipment And Op_2

Premises And Equipment And Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Premises And Equipment And Operating Leases [Abstract]
Year-End Premises And Equipment	December 31, 2022 December 31, 2021 Land and land improvements $ 248 $ 1,406 Buildings 2,295 4,414 Furniture, fixtures and equipment 3,321 2,737 5,864 8,557 Less: accumulated depreciation ( 2,086 ) ( 2,688 ) $ 3,778 $ 5,869
Future Minimum Operating Lease Payments	2023 $ 553 2024 458 2025 209 2026 114 2027 53 Thereafter 223 Total future minimum rental commitments 1,610 Less - amounts representing interest ( 172 ) Total operating lease liabilities $ 1,438

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Scheduled Maturities Of Time Deposits	2023 $ 388,933 2024 122,517 2025 19,201 2026 20,244 2027 7,230 Thereafter - Total $ 558,125

FHLB Advances And Other Debt (T

FHLB Advances And Other Debt (Tables)	12 Months Ended
	Dec. 31, 2022
FHLB Advances And Other Debt [Abstract]
Schedule Of FHLB Advances And Other Debt	Weighted Average Rate December 31, 2022 December 31, 2021 FHLB fixed rate advances Maturities: 2022 - - 10,000 2023 0.92 % 3,500 3,500 2024 1.46 % 18,500 18,500 2026 1.45 % 16,000 16,000 2027 3.88 % 12,500 - Thereafter 2.64 % 29,500 17,000 Total FHLB fixed rate advances 80,000 65,000 Fixed rate other debt: FRB PPPLF advances 0.00% - 450 Variable rate other debt: Holding Company credit facility 3.85 % 29,461 24,277 Warehouse facility - - - Total variable rate other debt 29,461 24,277 Total $ 109,461 $ 89,727
Schedule Of Federal Home Loan Advances Pledged By Assets	December 31, 2022 December 31, 2021 Single-family mortgage loans $ 292,558 $ 203,627 Multi-family mortgage loans 43,021 21,650 Commercial real estate loans (1-4 family) 12,938 9,801 Home equity lines of credit 4,007 2,951 Securities 1,004 1,006 Cash 3,300 3,300 Total $ 356,828 $ 242,335
FHLB Advances And Other Debt Outstanding Maturity Period	Payments due on FHLB advances and other debt over the next five years are as follows: December 31, 2022 2023 $ 3,500 2024 18,500 2025 - 2026 16,000 2027 12,500 $ 50,500
Assets Pledged As Collateral With FRB	2022 2021 Commercial loans $ 62,909 $ 59,605 Commercial real estate loans 84,836 72,580 $ 147,745 $ 132,185

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Tax Expense	December 31, 2022 December 31, 2021 December 31, 2020 Current federal $ 4,213 $ 3,592 $ 9,720 Deferred federal (1) 215 773 ( 3,045 ) Total $ 4,428 $ 4,365 $ 6,675 (1) Includes tax benefit of operating loss carryforwards of $ 34 , $ 34 , and $ 34 for the years ended December 31, 2022, 2021 and 2020, respectively.
Effective Tax Rates Differ From Federal Statutory Rate	December 31, 2022 December 31, 2021 December 31, 2020 Federal Statutory rate times financial statement income $ 4,744 $ 4,792 $ 7,619 Effect of: Stock compensation ( 50 ) ( 50 ) ( 19 ) Bank owned life insurance income ( 126 ) ( 112 ) ( 30 ) Gain on redemption of life insurance policies - ( 80 ) - Historic tax credits - - ( 807 ) Low income housing tax credits ( 111 ) ( 154 ) ( 106 ) Other ( 29 ) ( 31 ) 18 $ 4,428 $ 4,365 $ 6,675 Effective tax rate 20 % 19 % 18 %
Deferred Tax Assets And Liabilities	2022 2021 Deferred tax assets: Allowance for loan and lease losses $ 3,458 $ 3,336 Compensation related items 573 456 Deferred loan fees - 184 Nonaccrual interest 9 60 Net operating loss carry forward 330 364 Operating lease liabilities 302 423 Unrealized mark-to-market loss 541 39 5,213 4,862 Deferred tax liabilities: FHLB stock dividend 226 226 Depreciation 268 82 Operating lease right-of-use assets 285 404 Deferred loan costs 34 - Other - 1 Prepaid expenses 70 105 883 818 Net deferred tax asset $ 4,330 $ 4,044

Related-Party Transactions (Tab

Related-Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2022
Related-Party Transactions [Abstract]
Loans To Principal Officers, Directors And Affiliates	Year ended December 31, 2022 2021 Beginning balance $ 10,137 $ 10,277 New loans 1,189 2,843 Repayments ( 3,028 ) ( 2,983 ) Ending balance $ 8,298 $ 10,137

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
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 63,992 $ 7.43 Exercised ( 52,358 ) 7.38 Expired ( 545 ) 7.87 Cancelled or forfeited - - Outstanding at end of period 11,089 $ 7.63 0.9 $ 150 Exercisable at end of period 11,089 $ 7.63 0.9 $ 150
Summary Of Changes In Company's Nonvested Restricted Shares	Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2022 89,895 $ 16.32 Granted 69,648 21.09 Vested ( 40,433 ) 15.45 Forfeited ( 6,697 ) 20.41 Nonvested at December 31, 2022 112,413 $ 19.35

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Capital Matters [Abstract]
Actual And Required Capital Amounts And Ratios Of CFBank	Actual Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount Ratio Amount Ratio Amount Ratio December 31, 2022 Total Capital to risk weighted assets $ 193,294 12.74 % $ 159,364 10.50 % $ 151,775 10.00 % Tier 1 (Core) Capital to risk weighted assets 176,828 11.65 % 129,009 8.50 % 121,420 8.00 % Common equity tier 1 capital to risk-weighted assets 176,828 11.65 % 106,243 7.00 % 98,654 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 176,828 9.89 % 71,502 4.00 % 89,377 5.00 % Actual Minimum Capital Required-Basel III Fully Phased-In To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total Capital to risk weighted assets $ 170,392 14.02 % $ 127,588 10.50 % $ 121,512 10.00 % Tier 1 (Core) Capital to risk weighted assets 155,195 12.77 % 103,286 8.50 % 97,210 8.00 % Common equity tier 1 capital to risk-weighted assets 155,195 12.77 % 85,059 7.00 % 78,983 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 155,195 11.29 % 54,984 4.00 % 68,730 5.00 %

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Instruments [Abstract]
Summary Of Derivative Instruments	2022 2021 2020 Notional amount $ 42,177 $ 44,887 $ 46,474 Weighted average pay rate on interest-rate swaps 4.34 % 4.21 % 4.19 % Weighted average receive rate on interest-rate swaps 6.21 % 3.00 % 3.08 % Weighted average maturity (years) 7.7 6.9 7.4 Fair value of derivative asset $ 4,233 $ 538 $ 1,944 Fair value of derivative liability $ ( 4,233 ) $ ( 538 ) $ ( 1,944 )
Schedule Of Mortgage Banking Derivatives	December 31, 2022 December 31, 2021 December 31, 2020 Notional Amount Fair Value Notional Amount Fair Value Notional Amount Fair Value Assets (Liabilities): Interest rate commitments $ 3,940 $ - $ 50,312 $ 555 $ 1,048,613 $ 18,100 TBA mortgage-back securities - - 53,250 ( 73 ) 506,750 ( 2,690 )
Schedule Of Notional Amount Of Loans Sold	December 31, 2022 December 31, 2021 December 31, 2020 Notional amount of loans sold $ 97,265 $ 2,358,510 $ 2,229,042
Schedule Of Revenue Recognized On Mortgage Activities	December 31, 2022 December 31, 2021 December 31, 2020 Gain on loans sold $ ( 64 ) $ 21,646 $ 61,147 Gain (loss) from change in fair value of loans held-for-sale ( 356 ) ( 8,408 ) 7,046 Gain (loss) from change in fair value of derivatives 1,076 ( 7,322 ) ( 9,895 ) $ 656 $ 5,916 $ 58,298

Loan Commitments And Other Re_2

Loan Commitments And Other Related Activities (Tables)	12 Months Ended
	Dec. 31, 2022
Loan Commitments And Other Related Activities [Abstract]
Contractual Amounts Of Financial Instruments With Off-Balance-Sheet Risk	2022 2021 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 30,441 $ 169,838 $ 86,001 $ 135,429 Unused lines of credit $ 9,364 $ 118,687 $ 33,620 $ 73,812 Standby letters of credit $ 3,149 $ - $ 4,851 $ -

Parent Company Only Condensed_2

Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2022
Parent Company Only Condensed Financial Information [Abstract]
Condensed Balance Sheets	2022 2021 Assets Cash and cash equivalents $ 487 $ 819 Equity securities 5,000 5,000 Investment in banking subsidiary 175,123 155,391 Investment in and advances to other subsidiary 247 243 Other assets 3,027 3,374 Total assets $ 183,884 $ 164,827 Liabilities and Equity Subordinated debentures $ 14,922 $ 14,883 Other borrowings 29,461 24,277 Accrued expenses and other liabilities 253 337 Stockholders' equity 139,248 125,330 Total liabilities and stockholders' equity $ 183,884 $ 164,827
Condensed Statements Of Operations	2022 2021 2020 Dividend income $ 10,000 $ - $ - Interest income - 414 - Other income 675 230 178 Interest expense 1,882 1,527 1,209 Other expense 796 851 830 Loss before income tax and before undistributed subsidiary income 7,997 ( 1,734 ) ( 1,861 ) Tax effect 463 407 390 Loss after income tax and before undistributed subsidiary income 8,460 ( 1,327 ) ( 1,471 ) Equity in undistributed subsidiary income 9,704 19,780 31,079 Net income $ 18,164 $ 18,453 $ 29,608 Comprehensive income $ 16,297 $ 18,187 $ 29,676
Condensed Statements Of Cash Flows	2022 2021 2020 Cash flows from operating activities Net Income $ 18,164 $ 18,453 $ 29,608 Adjustments: Effect of subsidiaries' operations ( 9,704 ) ( 19,780 ) ( 31,079 ) Amortization, net 39 39 38 Change in other assets and other liabilities 263 ( 681 ) ( 480 ) Net cash used by operating activities 8,762 ( 1,969 ) ( 1,913 ) Cash flows from investing activities Investments in banking subsidiary ( 11,000 ) ( 10,000 ) ( 5,000 ) Purchase of equity securities - - ( 5,000 ) Net cash used by investing activities ( 11,000 ) ( 10,000 ) ( 10,000 ) Cash flows from financing activities Proceeds from other borrowings 15,184 19,277 15,000 Repayments of other borrowings ( 10,000 ) ( 4,500 ) ( 10,500 ) Proceeds from exercise of stock options 387 185 36 Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes and exercise proceeds ( 173 ) ( 139 ) ( 32 ) Purchase of treasury shares ( 2,339 ) ( 2,972 ) ( 648 ) Dividends paid ( 1,153 ) ( 848 ) ( 195 ) Net cash from financing activities 1,906 11,003 3,661 Net change in cash and cash equivalents ( 332 ) ( 966 ) ( 8,252 ) Beginning cash and cash equivalents 819 1,785 10,037 Ending cash and cash equivalents $ 487 $ 819 $ 1,785

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Common Share [Abstract]
Computation Of Earnings Per Share	Year Ended December 31, 2022 December 31, 2021 December 31, 2020 Basic Net income $ 18,164 $ 18,453 $ 29,608 Earnings allocated to participating securities (Series C preferred stock) (1) - - ( 2,280 ) Net income allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Weighted average common shares outstanding including unvested share-based payment awards 6,508,064 6,605,278 6,072,829 Less: Unvested share-based payment awards-2019 Plan ( 111,011 ) ( 97,122 ) ( 43,732 ) Average shares 6,397,053 6,508,156 6,029,097 Basic earnings per common share $ 2.84 $ 2.84 $ 4.53 Diluted Net earnings allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Add back: Preferred Dividends on Series B stock and accretion of discount - - - Net earnings allocated to common stockholders $ 18,164 $ 18,453 $ 27,328 Weighted average common shares outstanding for basic earnings per common share 6,397,053 6,508,156 6,029,097 Add: Dilutive effects of assumed exercises of stock options 27,096 45,169 34,158 Add: Dilutive effects of unvested share-based payment awards-2019 Plan 111,011 97,122 43,732 Average shares and dilutive potential common shares 6,535,160 6,650,447 6,106,987 Diluted earnings per common share $ 2.78 $ 2.77 $ 4.47 (1) 12,607 outstanding shares of Series C preferred stock were converted into a total of 1,260,700 shares of the Company’s Non-Voting Common Stock effective as of the close of business on May 28, 2020.
Summary Of Anti-Dilutive Options Or Warrants	2022 2021 2020 Stock options - - 331

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Schedule Of Accumulated Other Comprehensive Income	Changes in Accumulated Other Comprehensive Income by Component For the Year Ended December 31, 2022, 2021 and 2020 (1) Unrealized Gains and Losses on Available-for-Sale Securities 2022 2021 2020 Accumulated other comprehensive gain (loss), beginning of period $ ( 170 ) $ 96 $ 28 Other comprehensive gain (loss) before reclassifications ( 1,867 ) ( 266 ) 68 Less amount reclassified from accumulated other comprehensive loss (2) - - - Net current-period other comprehensive income (loss) ( 1,867 ) ( 266 ) 68 Accumulated other comprehensive income (loss), end of period $ ( 2,037 ) $ ( 170 ) $ 96 (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 years ended December 31, 2022, 2021 and 2020.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Significant Accounting Policies [Line Items]
Cash exceeded federally insured limits	$ 136,900
Cash held, not federally insured	133,200
Interest-bearing deposits in other financial institutions	100	$ 100
Balance outstanding in joint ventures	1,568	2,150
Income recognized on joint ventures	$ 172	224	$ 173
Tax benefit greater than being realized on examination	50%
Collateral pledged for advances	$ 356,828	242,335
Investment	2,097	2,097
Maximum exposure to loss related to investments	2,097
Allowance for loans and leases	16,062	15,508	17,022	$ 7,138
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Significant Accounting Policies [Line Items]
Allowance for loans and leases	15
Cash [Member]
Significant Accounting Policies [Line Items]
Collateral pledged for advances	$ 3,300	3,300
Minimum [Member] | Buildings And Related Components [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	3 years
Minimum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	2 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Home equity lines of credit combined with the balance of the prior mortgage liens	89.90%
Maturity of cash, deposits with other financial institutions	90 days
Maximum [Member] | Buildings And Related Components [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	40 years
Maximum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	25 years
Single-Family Residential [Member]
Significant Accounting Policies [Line Items]
Collateral pledged for advances	$ 292,558	203,627
Allowance for loans and leases	$ 3,914	3,348	1,299	948
Single-Family Residential [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral	80%
Multi-Family Residential [Member]
Significant Accounting Policies [Line Items]
Collateral pledged for advances	$ 43,021	21,650
Allowance for loans and leases	$ 997	827	467	447
Multi-Family Residential [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period	3 years
Multi-Family Residential [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral	85%
Fixed rates loans limit, period	5 years
Commercial Real Estate [Member]
Significant Accounting Policies [Line Items]
Collateral pledged for advances	$ 12,938	9,801
Allowance for loans and leases	$ 3,384	5,034	9,184	2,604
Commercial Real Estate [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period	3 years
Commercial Real Estate [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral	85%
Fixed rates loans limit, period	5 years
Construction [Member]
Significant Accounting Policies [Line Items]
Allowance for loans and leases	$ 2,644	$ 1,744	$ 2,254	$ 759
Construction [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral	80%
Maturity of construction loans convert to permanent loans	30 years

Securities (Narrative) (Details

Securities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security	Dec. 31, 2020 USD ($) security
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment	$ 0	$ 0
Sales of securities	$ 0	$ 0	$ 0
Holdings of securities greater than 10% of stockholders' equity | security	0	0	0
Unrealized loss	$ 2,578,000	$ 247,000
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Unrealized loss	$ 2,478,000	$ 226,000
Number of securities | security	1	1
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities | security	2
U.S. Government-Sponsored Entities And Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Minimum percentage of securities held	10%	10%	10%

Securities (Amortized Cost And

Securities (Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 13,020	$ 16,562
Gross Unrealized Gains		32
Gross Unrealized Losses	2,578	247
Fair Value	10,442	16,347
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,978	9,976
Gross Unrealized Losses	2,478	226
Fair Value	7,500	9,750
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,025	6,551
Gross Unrealized Gains		31
Gross Unrealized Losses	100	21
Fair Value	2,925	6,561
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	17	35
Gross Unrealized Gains		1
Gross Unrealized Losses
Fair Value	$ 17	$ 36

Securities (Securities Classifi

Securities (Securities Classified By Maturity Date) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 2,001	$ 3,504
Due from one to five years, Amortized Cost	1,024	3,047
Due from five to ten years, Amortized Cost	9,978	9,976
Amortized Cost	13,020	16,562
Due in one year or less, Fair Value	1,961	3,518
Due from one to five years, Fair Value	964	3,043
Due from five to ten years, Fair Value	7,500	9,750
Fair Value	10,442	16,347
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	17	35
Amortized Cost	17	35
No single maturity, Fair Value	17	36
Fair Value	$ 17	$ 36

Securities (Fair Value Of Secur

Securities (Fair Value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value	$ 1,446	$ 3,021	$ 7,093
Collateralized Mortgage Obligations [Member]
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value		1,504	3,016
Federal Home Loan Bank Advances [Member]
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value	967	1,016	1,017
Deposits [Member]
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value	$ 479	$ 501	$ 3,060

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 1,499,000	$ 12,774,000
Less than 12 Months, Unrealized Loss	19,000	247,000
12 Months or More, Fair Value	8,943,000
12 Months or More, Unrealized Loss	2,559,000
Total, Fair Value	10,442,000	12,774,000
Total, Unrealized Loss	2,578,000	247,000
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value		9,750,000
Less than 12 Months, Unrealized Loss		226,000
12 Months or More, Fair Value	7,500,000
12 Months or More, Unrealized Loss	2,478,000
Total, Fair Value	7,500,000	9,750,000
Total, Unrealized Loss	2,478,000	226,000
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	1,482,000	3,024,000
Less than 12 Months, Unrealized Loss	19,000	21,000
12 Months or More, Fair Value	1,443,000
12 Months or More, Unrealized Loss	81,000
Total, Fair Value	2,925,000	3,024,000
Total, Unrealized Loss	100,000	$ 21,000
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	17,000
Less than 12 Months, Unrealized Loss	0
Total, Fair Value	$ 17,000

Loans And Leases (Narrative) (D

Loans And Leases (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Dec. 31, 2020 USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 1,572,255,000	$ 1,214,149,000
Loans 90 days or more past due and still accruing interest
Total TDR's	175,000	2,978,000
Allocated specific reserves to modified TDRs	$ 0	$ 20,000
Number of TDRs in payment default | loan	1	0
Cash payments of interest	$ 47,000	$ 169,000	$ 159,000
Loans	1,588,317,000	1,229,657,000
Asset Pledged as Collateral [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 0
Northpointe [Member] | Mortgage Purchase Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Average days	14 days
Percent of loans risk rated for capital adequacy	100%
Percent of participation agreement interest	95%
Ownership interest in each loan is participates	5%
Nonaccrual [Member] | Commitments To Lend Additional Amounts [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's	$ 0	0
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	465,057,000	346,797,000
Single-Family Residential [Member] | Northpointe [Member] | Mortgage Purchase Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	0	$ 0
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans modified as a TDR | loan		0
Loans	427,423,000	$ 336,881,000
Accruing [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's	95,000	2,831,000
Commercial Loans - Paycheck Protection Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 50,000	$ 445,000
Maturity term	2 years
Stated interest rate	1%

Loans And Leases (Recorded Inve

Loans And Leases (Recorded Investment In Loans By Portfolio Segment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts Notes And Loans Receivable [Line Items]
Subtotal	$ 1,588,317	$ 1,229,657
Less: ALLL	(16,062)	(15,508)	$ (17,022)	$ (7,138)
Loans and leases, net	1,572,255	1,214,149
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	427,423	336,881
Less: ALLL	(4,764)	(4,127)	(3,426)	(2,054)
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	465,057	346,797
Less: ALLL	(3,914)	(3,348)	(1,299)	(948)
Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	104,148	76,785
Less: ALLL	(997)	(827)	(467)	(447)
Commercial Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	375,092	359,562
Less: ALLL	(3,384)	(5,034)	(9,184)	(2,604)
Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	184,122	83,360
Less: ALLL	(2,644)	(1,744)	(2,254)	(759)
Home Equity Lines Of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	30,748	24,228
Less: ALLL	(333)	(272)	(276)	(265)
Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	1,727	2,044
Less: ALLL	(26)	(156)	$ (116)	$ (61)
Commercial Leases [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	$ 20,768	$ 23,157

Loans And Leases (Activity In A

Loans And Leases (Activity In ALLL By Portfolio Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 15,508	$ 17,022	$ 7,138
Addition to (reduction in) provision for loan losses	787	(1,600)	10,915
Charge-offs	(263)	(17)	(1,094)
Recoveries	30	103	63
Ending balance	16,062	15,508	17,022
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	4,127	3,426	2,054
Addition to (reduction in) provision for loan losses	900	645	2,005
Charge-offs	(263)		(648)
Recoveries		56	15
Ending balance	4,764	4,127	3,426
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,348	1,299	948
Addition to (reduction in) provision for loan losses	547	2,040	745
Charge-offs		(17)	(425)
Recoveries	19	26	31
Ending balance	3,914	3,348	1,299
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	827	467	447
Addition to (reduction in) provision for loan losses	170	360	20
Charge-offs
Recoveries
Ending balance	997	827	467
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	5,034	9,184	2,604
Addition to (reduction in) provision for loan losses	(1,650)	(4,150)	6,580
Charge-offs
Recoveries
Ending balance	3,384	5,034	9,184
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,744	2,254	759
Addition to (reduction in) provision for loan losses	900	(510)	1,495
Charge-offs
Recoveries
Ending balance	2,644	1,744	2,254
Home Equity Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	272	276	265
Addition to (reduction in) provision for loan losses	50	(25)	15
Charge-offs			(21)
Recoveries	11	21	17
Ending balance	333	272	276
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	156	116	61
Addition to (reduction in) provision for loan losses	(130)	40	55
Charge-offs
Recoveries
Ending balance	$ 26	$ 156	$ 116

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	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		$ 20
Collectively evaluated for impairment	$ 16,062	15,488
Total ending allowance balance	16,062	15,508	$ 17,022	$ 7,138
Individually evaluated for impairment	175	2,978
Collectively evaluated for impairment	1,588,142	1,226,679
Total ending loan balance	1,588,317	1,229,657
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	4,764	4,127
Total ending allowance balance	4,764	4,127	3,426	2,054
Individually evaluated for impairment	80	221
Collectively evaluated for impairment	427,343	336,660
Total ending loan balance	427,423	336,881
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	3,914	3,348
Total ending allowance balance	3,914	3,348	1,299	948
Individually evaluated for impairment	95	99
Collectively evaluated for impairment	464,962	346,698
Total ending loan balance	465,057	346,797
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	997	827
Total ending allowance balance	997	827	467	447
Collectively evaluated for impairment	104,148	76,785
Total ending loan balance	104,148	76,785
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		20
Collectively evaluated for impairment	3,384	5,014
Total ending allowance balance	3,384	5,034	9,184	2,604
Individually evaluated for impairment		2,658
Collectively evaluated for impairment	375,092	356,904
Total ending loan balance	375,092	359,562
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	2,644	1,744
Total ending allowance balance	2,644	1,744	2,254	759
Collectively evaluated for impairment	184,122	83,360
Total ending loan balance	184,122	83,360
Home Equity Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	333	272
Total ending allowance balance	333	272	276	265
Collectively evaluated for impairment	30,748	24,228
Total ending loan balance	30,748	24,228
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	26	156
Total ending allowance balance	26	156	$ 116	$ 61
Collectively evaluated for impairment	1,727	2,044
Total ending loan balance	$ 1,727	$ 2,044

Loans And Leases (Individually

Loans And Leases (Individually Evaluated For Impairment By Class Of Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	$ 466	$ 3,242	$ 3,355
Impaired Financing Receivable, Unpaid Principal Balance, Total	466	3,242	3,355
Impaired Financing Receivable, with Related Allowance, Recorded Investment	175	2,978	3,090
Impaired Financing Receivable, Recorded Investment, Total	175	2,978	3,090
Impaired Financing Receivable, ALLL Allocated		20	23
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	572	3,030	3,323
Impaired Financing Receivable, Average Recorded Investment, Total	572	3,030	3,323
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	23	165	164
Impaired Financing Receivable, Interest Income Recognized, Total	23	165	164
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	371	485	533
Impaired Financing Receivable, with Related Allowance, Recorded Investment	80	221	268
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	125	241	489
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	1	9	10
Commercial [Member] | Maximum [Member]
Financing Receivable, Impaired [Line Items]
Allowance recorded	1	1	1
Single-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	95	99	104
Impaired Financing Receivable, with Related Allowance, Recorded Investment	95	99	104
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	97	101	106
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	5	6	4
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance		2,658	2,718
Impaired Financing Receivable, with Related Allowance, Recorded Investment		2,658	2,718
Impaired Financing Receivable, ALLL Allocated		20	23
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	350	2,688	2,728
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 17	$ 150	$ 150

Loans And Leases (Recorded In_2

Loans And Leases (Recorded Investment In Nonaccrual Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due over 90 days still on accrual
Total nonaccrual and nonperforming loans	761	997
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	99	147
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	641	656
Originated For Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	18	153
Purchased For Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans		41
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	3
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 761	$ 997

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	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 2,100	$ 3,555
Nonaccrual Loans Not > 90 Days Past Due	78	240
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,250	2,146
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	167	652
Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	683	757
Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,586,217	1,226,102
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	354
Nonaccrual Loans Not > 90 Days Past Due		147
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	255
Commercial [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	99
Commercial [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	427,069	336,881
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,696	3,359
Nonaccrual Loans Not > 90 Days Past Due	78	93
Single-Family Residential [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	966	2,144
Single-Family Residential [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	167	652
Single-Family Residential [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	563	563
Single-Family Residential [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	463,361	343,438
Multi-Family Residential [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	104,148	76,785
Non-Owner Occupied [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	169,686	185,130
Owner Occupied [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	172,698	134,352
Land [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	32,708	40,080
Construction [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	184,122	83,360
Originated For Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	47	155
Originated For Portfolio [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	29	2
Originated For Portfolio [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	18	153
Originated For Portfolio [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	30,701	23,909
Purchased For Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		41
Purchased For Portfolio [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		41
Purchased For Portfolio [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		123
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	3
Other [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	3
Other [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 1,724	$ 2,044

Loans And Leases (Nonaccrual Lo

Loans And Leases (Nonaccrual Loans As Troubled Debt Restructuring) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Total nonaccrual and nonperforming loans	$ 761	$ 997
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Total nonaccrual and nonperforming loans	99	147
Nonaccrual TDRs, Total	$ 80	$ 147

Loans And Leases (Recorded In_3

Loans And Leases (Recorded Investment In Loans By Risk Category And Class Of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 1,588,317	$ 1,229,657
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	487,477	372,219
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,093,255	851,292
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,824	2,417
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	681	3,582
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	80	147
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	427,423	336,881
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	422,673	336,660
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,651
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	19	74
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	80	147
Single-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	465,057	346,797
Single-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	451,939	346,141
Single-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,477
Single-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	641	656
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	104,148	76,785
Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	104,148	76,785
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	375,092	359,562
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	169,686	185,130
Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	168,731	182,472
Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	955
Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		2,658
Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	172,698	134,352
Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	171,998	132,470
Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	700	1,882
Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	32,708	40,080
Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	32,708	40,080
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	184,122	83,360
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,084
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	180,520	82,825
Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	518	535
Home Equity Lines Of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,748	24,228
Originated For Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,748	24,064
Originated For Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,730	23,911
Originated For Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	18	153
Purchased For Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		164
Purchased For Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		123
Purchased For Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		41
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,727	2,044
Other [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,724	$ 2,044
Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 3

Loans And Leases (Components Of

Loans And Leases (Components Of Net Investment In Direct Financing Leases) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans And Leases [Abstract]
Total minimum lease payments to be received	$ 22,533	$ 25,488
Less: unearned income	(1,798)	(2,385)
Plus: Indirect initial costs	33	54
Net investment in direct financing leases	$ 20,768	$ 23,157

Loans And Leases (Summary Of Fu

Loans And Leases (Summary Of Future Minimum Lease Payments Receivable) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Loans And Leases [Abstract]
2023	$ 6,903
2024	6,375
2025	5,606
2026	2,975
2027	624
Thereafter	50
Future minimum lease payments	$ 22,533

Foreclosed Assets (Narrative) (

Foreclosed Assets (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Foreclosed Assets [Abstract]
Expenses related to foreclosed assets	$ 0	$ 0	$ 0

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unpaid principal balance of impairment loan at collateral	$ 27,000	$ 80,000
Valuation allowance		0
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets or liabilities measured at fair value	0	0
Fair Value, Measurements, Non-Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value		0
Liabilities measured at fair value		0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value	$ 0	$ 0
Liabilities measured at fair value			$ 0	$ 0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value			0	0
Liabilities measured at fair value			$ 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	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financial Assets:
Securities available for sale	$ 10,442	$ 16,347
Loans held for sale	580	27,988
Derivative assets	4,233	538	$ 1,944
Financial Liabilities:
Derivative liabilities	4,233	538	$ 1,944
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	10,442	16,347
Loans held for sale	580	27,988
Derivative assets	4,233	538
Interest rate lock commitments		555
Financial Liabilities:
Derivative liabilities	4,233
TBA Mortgage-backed securities		73
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	10,442	16,347
Loans held for sale	580	27,988
Financial Liabilities:
Derivative liabilities	4,233
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Financial Liabilities:
Derivative liabilities		538
Fair Value, Measurements, Recurring [Member] | Corporate Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	7,500	9,750
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	2,925	6,561
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	17	36
Fair Value, Measurements, Recurring [Member] | Yield Maintenance Provisions (Embedded Derivatives) [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Derivative assets	$ 4,233	538
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments		555
Fair Value, Measurements, Recurring [Member] | TBA Mortgage-Back Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
TBA Mortgage-backed securities		$ 73

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	$ 466	$ 3,242	$ 3,355
Fair Value, Measurements, Non-Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets held for sale, Fair Value	1,930
Commercial [Member] | Fair Value, Measurements, Non-Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	$ 80

Fair Value (Financial Instrumen

Fair Value (Financial Instruments Measured At Fair Value On A Non-Recurring Basis) (Details) - Fair Value, Measurements, Non-Recurring [Member] - Market Approach [Member] $ in Thousands	Dec. 31, 2021 USD ($)
Unobservable Input, Sales Commission [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Other assets held for sale, Fair Value	$ 1,930
Other assets held for sale, (Range) Weighted Average	4
Commercial [Member] | Unobservable Input, Comparability Adjustment [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Impaired loans, Fair Value	$ 80
Impaired loans, (Range) Weighted Average	64%

Fair Value (Aggregate Fair Valu

Fair Value (Aggregate Fair Value, Contractual Balance And Gain Or Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value [Abstract]
Aggregate fair value	$ 580	$ 27,988
Contractual balance	$ 580	27,632
Gain (loss)		$ 356

Fair Value (Total Amount Of Gai

Fair Value (Total Amount Of Gains And Losses From Changes In Fair Value Included In Earnings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value [Abstract]
Interest income	$ 172	$ 5,572	$ 6,231
Interest expense
Change in fair value	(356)	(8,408)	7,046
Total change in fair value	$ (184)	$ (2,836)	$ 13,277

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financial assets
Securities available for sale	$ 10,442	$ 16,347
Equity securities	5,000	5,000
Loans held for sale	580	27,988
Derivative assets	4,233	538	$ 1,944
Financial liabilities
FHLB advances and other borrowings	(109,461)	(89,727)
Advances by borrowers for taxes and insurance	(3,513)	(2,752)
Derivative liabilities	(4,233)	(538)	$ (1,944)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	151,787	166,591
Interest-bearing deposits in other financial institutions	100	100
Accrued interest receivable	70	2
Financial liabilities
Deposits	(969,797)	(661,818)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Interest-bearing deposits in other financial institutions
Securities available for sale	10,442	16,347
Equity securities	5,000	5,000
Loans held for sale	580	27,988
Accrued interest receivable	176	91
Derivative assets	4,233	538
Interest rate lock commitments		555
Financial liabilities
Deposits	(545,871)	(585,214)
FHLB advances and other borrowings	(105,715)	(90,670)
Subordinated debentures	(14,621)	(16,051)
Accrued interest payable	(840)	(228)
Derivative liabilities	(4,233)
Interest-rate swaps		(538)
TBA mortgage-backed securities		(73)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Interest-bearing deposits in other financial institutions
Loans and leases, net	1,542,796	1,231,228
Accrued interest receivable	7,821	3,947
Other assets held for sale	1,930
Financial liabilities
Advances by borrowers for taxes and insurance	(3,513)	(2,752)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	151,787	166,591
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	10,442	16,347
Equity securities	5,000	5,000
Loans held for sale	580	27,988
Loans and leases, net	1,572,255	1,214,149
FHLB and FRB stock	7,942
FHLB stock		7,315
Accrued interest receivable	8,067	4,143
Other assets held for sale	1,930
Derivative assets	4,233	538
Interest rate lock commitments		555
Financial liabilities
Deposits	(1,527,922)	(1,246,352)
FHLB advances and other borrowings	(109,461)	(89,727)
Advances by borrowers for taxes and insurance	(3,513)	(2,752)
Subordinated debentures	(14,922)	(14,883)
Accrued interest payable	(840)	(228)
Derivative liabilities	(4,233)
Interest-rate swaps		(538)
TBA mortgage-backed securities		(73)
Fair Value [Member]
Financial assets
Cash and cash equivalents	151,787	166,591
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	10,442	16,347
Equity securities	5,000	5,000
Loans held for sale	580	27,988
Loans and leases, net	1,542,796	1,231,228
Accrued interest receivable	8,067	4,040
Other assets held for sale	1,930
Derivative assets	4,233	538
Interest rate lock commitments		555
Financial liabilities
Deposits	(1,515,668)	(1,247,032)
FHLB advances and other borrowings	(105,715)	(90,670)
Advances by borrowers for taxes and insurance	(3,513)	(2,752)
Subordinated debentures	(14,621)	(16,051)
Accrued interest payable	(840)	(228)
Derivative liabilities	$ (4,233)
Interest-rate swaps		(538)
TBA mortgage-backed securities		$ (73)

Loan Servicing (Narrative) (Det

Loan Servicing (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loan Servicing [Abstract]
Custodial escrow balances maintained in connection with serviced loans	$ 38	$ 40

Loan Servicing (Principal Balan

Loan Servicing (Principal Balances Of Mortgage Loans At Year-End) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loan Servicing [Abstract]
Mortgage loans serviced for Freddie Mac	$ 1,163	$ 1,598

Premises And Equipment And Op_3

Premises And Equipment And Operating Leases (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Premises And Equipment And Operating Leases [Abstract]
Depreciation	$ 496	$ 435	$ 381
Operating lease, Weighted average remaining lease term	4 years 3 months 18 days
Operating lease, Weighted average discount rate	5.46%
Operating lease costs	$ 568	461	393
Variable lease costs	$ 301	$ 292	$ 241

Premises And Equipment And Op_4

Premises And Equipment And Operating Leases (Year-End Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Premises And Equipment And Operating Leases [Abstract]
Land and land improvements	$ 248	$ 1,406
Buildings	2,295	4,414
Furniture, fixtures and equipment	3,321	2,737
Premises and equipment, gross	5,864	8,557
Less: accumulated depreciation	(2,086)	(2,688)
Premises and equipment, net	$ 3,778	$ 5,869

Premises And Equipment And Op_5

Premises And Equipment And Operating Leases (Future Minimum Operating Lease Payments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Premises And Equipment And Operating Leases [Abstract]
2023	$ 553
2024	458
2025	209
2026	114
2027	53
Thereafter	223
Total future minimum rental commitments	1,610
Less - amounts representing interest	(172)
Total operating lease liabilities	$ 1,438	$ 2,032

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time deposits, $100,000 or more	$ 483,719	$ 508,940
Time deposits, $250,000 or more	245,099	236,056
Brokered deposits	$ 291,827	$ 278,092

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Deposits [Abstract]
2023	$ 388,933
2024	122,517
2025	19,201
2026	20,244
2027	7,230
Thereafter
Total	$ 558,125

FHLB Advances And Other Debt (N

FHLB Advances And Other Debt (Narrative) (Details)		3 Months Ended		12 Months Ended
	May 21, 2021 USD ($)	Jun. 30, 2020 USD ($)	Dec. 31, 2019 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($) loan	May 20, 2021 USD ($)
Amount available of FHLB				$ 268,154,000
Third-Party Bank [Member] | Term Loan [Member]
Loan						$ 5,000,000
Federal Reserve Bank Advances [Member]
Outstanding borrowings				0	$ 0
Debt instrument maximum borrowing capacity amount				105,119,000
Line Of Credit [Member] | Commercial Bank One [Member]
Unused line of credit				50,000,000
Line Of Credit [Member] | Commercial Bank Two [Member]
Unused line of credit				15,000,000
Line Of Credit [Member] | Commercial Bank One And Two [Member]
Line of credit, outstanding balance				0	0
Revolving Credit Facility [Member] | Third-Party Bank [Member]
Line of credit, borrowing capacity	$ 35,000,000					$ 10,000,000
Interest rate	3.85%
Line of credit, expiration date	May 21, 2024
Revolving Credit Facility [Member] | Third-Party Bank [Member] | Prime Rate [Member]
Variable rate spread	3.25%
Revolving Credit Facility [Member] | Third-Party Bank [Member] | Term Loan [Member]
Line of credit, outstanding balance				$ 29,461,000	24,277,000
FRB PPPLF Advances [Member]
PPPLF fixed rate				0.35%
Weighted average life				2 months 12 days
Outstanding borrowings				$ 0	$ 450,000
Number of PPP loans processed | loan					558
Total amount of PPP loans processed					$ 126,000,000
Warehouse Facility One [Member] | Commercial Bank [Member]
Line of credit, borrowing capacity			$ 25,000,000
Line of credit, outstanding balance					0
Warehouse Facility Two [Member] | Commercial Bank [Member]
Line of credit, borrowing capacity		$ 75,000,000
Line of credit, outstanding balance				$ 0	$ 0
Minimum [Member] | Warehouse Facility One [Member] | Commercial Bank [Member] | London Interbank Offered Rate [Member]
Variable rate spread			2%
Minimum [Member] | Warehouse Facility Two [Member] | Commercial Bank [Member] | London Interbank Offered Rate [Member]
Variable rate spread		2.35%
Maximum [Member] | Warehouse Facility One [Member] | Commercial Bank [Member] | London Interbank Offered Rate [Member]
Variable rate spread			4%
Maximum [Member] | Warehouse Facility Two [Member] | Commercial Bank [Member] | London Interbank Offered Rate [Member]
Variable rate spread		2.90%

FHLB Advances And Other Debt (S

FHLB Advances And Other Debt (Schedule Of FHLB Advances And Other Debt) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
2022, FHLB Weighted Average Rate
2023, FHLB Weighted Average Rate	0.92%
2024, FHLB Weighted Average Rate	1.46%
2026, FHLB Weighted Average Rate	1.45%
20287, FHLB Weighted Average Rate	3.88%
Thereafter, FHLB Weighted Average Rate	2.64%
FRB PPPLF advances, Weighted Average Rate
2022, FHLB fixed rate advances		$ 10,000
2023, FHLB fixed rate advances	3,500	3,500
2024, FHLB fixed rate advances	18,500	18,500
2026, FHLB fixed rate advances	16,000	16,000
2027, FHLB fixed rate advances	12,500
Thereafter, FHLB fixed rate advances	29,500	17,000
Total FHLB fixed rate advances	80,000	65,000
FRB PPPLF advances		450
Total	29,461	24,277
Total	$ 109,461	89,727
Holding Company Credit Facility [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Variable rate other debt, Weighted Average Rate	3.85%
Total	$ 29,461	24,277
Warehouse Facility One [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Variable rate other debt, Weighted Average Rate
Total

FHLB Advances And Other Debt _2

FHLB Advances And Other Debt (Schedule Of Federal Home Loan Advances Pledged By Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	$ 356,828	$ 242,335
Securities [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	1,004	1,006
Cash [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	3,300	3,300
Single-Family Residential [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	292,558	203,627
Multi-Family Residential [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	43,021	21,650
Commercial Real Estate [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	12,938	9,801
Home Equity Lines Of Credit [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged for secure advances	$ 4,007	$ 2,951

FHLB Advances And Other Debt (F

FHLB Advances And Other Debt (FHLB Advances And Other Debt Outstanding Maturity Period) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
FHLB Advances And Other Debt [Abstract]
2023	$ 3,500
2024	18,500
2025
2026	16,000
2027	12,500
Total	$ 50,500

FHLB Advances And Other Debt (A

FHLB Advances And Other Debt (Assets Pledged As Collateral With FRB) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets Pledged As Collateral [Line Items]
Total	$ 2,100	$ 3,555
Asset Pledged as Collateral [Member]
Assets Pledged As Collateral [Line Items]
Total	147,745	132,185
Commercial [Member]
Assets Pledged As Collateral [Line Items]
Total	354
Commercial [Member] | Asset Pledged as Collateral [Member]
Assets Pledged As Collateral [Line Items]
Total	62,909	59,605
Commercial Real Estate [Member] | Asset Pledged as Collateral [Member]
Assets Pledged As Collateral [Line Items]
Total	$ 84,836	$ 72,580

Subordinated Debentures (Narrat

Subordinated Debentures (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures		$ 14,922	$ 14,883
Holding Company's investment in the common stock		$ 155
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 Debentures Maturing 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%
Maturity date		Dec. 30, 2033
Trust preferred securities and subordinated debentures have a stated percentage		7.58%	3.07%
Subordinated Debentures [Member]
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures					$ 5,155
Subordinated Debentures [Member] | Subordinated Debentures Maturing On December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Number of years with no principal repayment		5 years
Subordinated Debentures [Member] | Fixed-To-Floating Rate Subordinated Notes [Member] | Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Maturity date	Dec. 30, 2028
Subordinated notes	$ 10,000
Debt issuance costs	$ 388
Debt issuance costs, net		$ 9,767		$ 9,612
Subordinated Debentures [Member] | Fixed-To-Floating Rate Subordinated Notes [Member] | Private Placement [Member] | From December 20, 2018 To But Excluding December 30, 2023 [Member]
Subsidiary, Sale of Stock [Line Items]
Interest rate	7%
London Interbank Offered Rate [Member] | Subordinated Debentures Maturing On December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Variable rate of interest		2.85%	2.85%
London Interbank Offered Rate [Member] | Subordinated Debentures [Member] | Fixed-To-Floating Rate Subordinated Notes [Member] | Private Placement [Member] | From December 30, 2023 To But Excluding December 30, 2028 [Member]
Subsidiary, Sale of Stock [Line Items]
Variable rate of interest	4.14%

Benefit Plans (Narrative) (Deta

Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2022	Jul. 01, 2021	Jul. 01, 2020
Life Insurance Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense	$ (3)	$ 13		$ (16)
Accrued interest payable and other liabilities Total	139	141
Deferred Cash Incentive Agreements [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense	262	118		0
Accrued interest payable and other liabilities Total	380	118
401 (k) plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Total contributions	$ 301	343		293
Percentage of amount allowable under federal tax regulations	50%
Percentage of compensation contributed under federal tax regulations	8%
Salary Continuation Agreement [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense	$ 6	7		$ 7
Accrued interest payable and other liabilities Total	115	$ 134
Annual benefit for 20 years	$ 25
Duration of Annual benefit	20 years
Multi-Employer Pension Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Funding (surplus) shortfall			$ (8)				$ 102
CFBank's contributions			$ 19		$ 22	$ 29
Funded status								90.10%	100.81%
Total contributions					$ 248,563	$ 253,199
Percentage of amount allowable under federal tax regulations					5%	5%

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2012
Proceeds from sale of common stock				$ 22,500,000
Net operating loss carry forwards	$ 22,089,000
Carryforwards utilize limit before the stock offering closed	163,000
Unutilized operating loss carryforwards that will expire	20,520,000
Reduced deferred tax assets and valuation allowance	6,977,000
Deferred tax liability to be recorded	$ 473,000
Effective tax rate	20%	19%	18%
Additional bad debt deductions	$ 2,250,000
Deferred tax asset	4,330,000	$ 4,044,000
Deferred tax asset, valuation allowance	0
Unrecognized tax benefits	$ 0	$ 0
Minimum [Member]
Net operating loss carryforwards, expiration date	Jan. 01, 2024
Maximum [Member]
Net operating loss carryforwards, expiration date	Dec. 31, 2032

Income Taxes (Income Tax Expens

Income Taxes (Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating Loss Carryforwards [Line Items]
Current federal	$ 4,213	$ 3,592	$ 9,720
Deferred federal	215	773	(3,045)
Total	4,428	4,365	6,675
Operating Loss Carryforwards [Member]
Operating Loss Carryforwards [Line Items]
Deferred federal	$ 34	$ 34	$ 34

Income Taxes (Effective Tax Rat

Income Taxes (Effective Tax Rates Differ From Federal Statutory Rate) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Federal statutory income tax rate	21%	21%	21%
Federal statutory rate times financial statement income	$ 4,744	$ 4,792	$ 7,619
Stock compensation	(50)	(50)	(19)
Bank owned life insurance income	(126)	(112)	(30)
Gain on redemption of life insurance policies		(80)
Historic tax credits			(807)
Low income housing tax credits	(111)	(154)	(106)
Other	(29)	(31)	18
Total	$ 4,428	$ 4,365	$ 6,675
Effective tax rate	20%	19%	18%

Income Taxes (Deferred Tax Asse

Income Taxes (Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Allowance for loan and lease losses	$ 3,458	$ 3,336
Compensation related issues	573	456
Deferred loan fees		184
Nonaccrual interest	9	60
Net operating loss carryforward	330	364
Operating lease liabilities	302	423
Unrealized mark-to-market loss	541	39
Gross deferred tax assets	5,213	4,862
Deferred tax liabilities:
FHLB stock dividend	226	226
Depreciation	268	82
Operating lease right-of-use assets	285	404
Deferred loan costs	34
Other		1
Prepaid expenses	70	105
Deferred tax liabilities	883	818
Net deferred tax asset	$ 4,330	$ 4,044

Related-Party Transactions (Nar

Related-Party Transactions (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Related-Party Transactions [Abstract]
Deposits from principal officers, directors, and their affiliates	$ 4,214	$ 8,282

Related-Party Transactions (Loa

Related-Party Transactions (Loans To Principal Officers, Directors And Affiliates) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related-Party Transactions [Abstract]
Beginning balance	$ 10,137	$ 10,277
New loans	1,189	2,843
Repayments	(3,028)	(2,983)
Ending balance	$ 8,298	$ 10,137

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) ShareBasedCompensationPlan shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 USD ($)	May 29, 2019 shares	May 16, 2013 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Compensation cost | $	$ 899	$ 707	$ 711
Total income tax (expense) benefit | $	$ 189	$ 148	$ 149
Options exercised	52,358	24,996
Shares granted	0	0
2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available to be issued					272,727
Shares remaining available	115,818
Maximum [Member] | 2019 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized				300,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods exercisable from date of grant	10 years
Shares cancelled, forfeited or expired	545	1,454
Stock Options [Member] | 2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized	36,363
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]
Shares available to be issued	69,648	69,960
Shares vested	40,433	31,189
Shares cancelled, forfeited or expired	6,697	8,678
Unrecognized compensation cost | $	$ 1,475	$ 1,041
Shares, Forfeited	6,697

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year	63,992
Shares, Exercised	(52,358)	(24,996)
Shares, Expired	(545)
Shares Cancelled or forfeited
Shares, Outstanding at end of period	11,089	63,992
Shares, Exercisable at end of period	11,089
Weighted Average Exercise Price, Outstanding at beginning of year	$ 7.43
Weighted Average Exercise Price, Exercised	7.38
Weighted Average Exercise Price, Expired	7.87
Weighted Average Exercise Price, Outstanding at end of period	7.63	$ 7.43
Weighted Average Exercise Price, Exercisable at end of period	$ 7.63
Weighted Average Remaining Contractual Term (Years), Outstanding at end of period	10 months 24 days
Weighted Average Remaining Contractual Term (Years), Exercisable at end of period	10 months 24 days
Intrinsic Value, Outstanding at end of period	$ 150
Intrinsic Value, Exercisable at end of period	$ 150

Stock-Based Compensation (Sum_2

Stock-Based Compensation (Summary Of Changes In Company's Nonvested Restricted Shares) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Shares, Nonvested at, Beginning	89,895
Shares, Granted	69,648
Shares, Vested	(40,433)	(31,189)
Shares, Forfeited	(6,697)
Shares, Nonvested at, Ending	112,413	89,895
Weighted Average Grant date Fair Value, Nonvested at, Beginning	$ 16.32
Weighted Average Grant date Fair Value, Granted	21.09
Weighted Average Grant date Fair Value, Vested	15.45
Weighted Average Grant date Fair Value, Forfeited	20.41
Weighted Average Grant date Fair Value, Nonvested at, Ending	$ 19.35	$ 16.32

Preferred Stock (Narrative) (De

Preferred Stock (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	Dec. 31, 2022	Dec. 31, 2021	May 28, 2020	Oct. 31, 2019	Oct. 25, 2019
Series C Preferred Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Issuance of preferred stock	0	0
Aggregate value
Preferred stock, par value	$ 0.01	$ 0.01
Number of outstanding shares	0		12,607
Series C Preferred Stock [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Aggregate value					$ 25
Preferred stock, par value				$ 0.01
Common Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Common stock, par value	$ 0.01	$ 0.01
Shares authorized	9,090,909	9,090,909
Non-Voting Common Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Shares upon conversion			100
Common stock, par value	$ 0.01	$ 0.01
Shares authorized	1,260,700	1,260,700	1,260,700
Common stock, shares outstanding	1,260,700

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	Jan. 01, 2019	Dec. 31, 2022
Regulatory Capital Matters [Abstract]
Future percent of common equity to risk-weighted assets	2.50%
Common Equity Tier 1 capital to risk-weighted assets, ratio	4.50%
Capital conservation buffer	2.50%
Common Equity Tier 1 capital to risk weighted assets, upon full implementation, ratio	7%
Tier 1 Capital To Risk Weighted Assets Ratio	6%
Tier 1 Capital To Risk Weighted Assets Upon Full Implementation Ratio	8.50%
Total Capital To Risk Weighted Assets Ratio	8%
Total Capital To Risk Weighted Assets Upon Full Implementation Ratio	10.50%
Minimum Leverage Ratio Based On Required Basel 3 Rules	4%
Opening balance in liquidation account		$ 14,300

Regulatory Capital Matters (Act

Regulatory Capital Matters (Actual And Required Capital Amounts And Ratios Of CFBank) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Actual Amount	$ 193,294	$ 170,392
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	176,828	155,195
Common equity tier 1 capital to risk-weighted assets, Actual Amount	176,828	155,195
Tier 1 (Core) Capital to adjusted total assets (Leverage ratio), Actual Amount	$ 176,828	$ 155,195
Total Capital to risk weighted assets, Actual Ratio	0.1274	0.1402
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	0.1165	0.1277
Common equity tier 1 capital to risk-weighted assets, Actual Ratio	0.1165	0.1277
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	0.0989	0.1129
Total Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	$ 151,775	$ 121,512
Tier 1 (Core) Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	121,420	97,210
Common equity tier 1 capital to risk-weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	98,654	78,983
Tier 1 (Core) Capital to adjusted total assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	$ 89,377	$ 68,730
Total Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Ratio	0.1000	0.1000
Tier 1 (Core) Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Ratio	0.0800	0.0800
Common equity tier 1 capital to risk-weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Ratio	0.0650	0.0650
Tier 1 (Core) Capital to adjusted total assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Ratio	0.0500	0.0500
Basel III Fully Phased-In [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Minimum Capital Required-Basel III Fully Phased-In Amount	$ 159,364	$ 127,588
Tier 1 (Core) Capital to risk weighted assets, Minimum Capital Required-Basel III Fully Phased-In Amount	129,009	103,286
Common equity tier 1 capital to risk-weighted assets, Minimum Capital Required-Basel III Fully Phased-In Amount	106,243	85,059
Tier 1 (Core) Capital to adjusted total assets, Minimum Capital Required-Basel III Fully Phased-In Amount	$ 71,502	$ 54,984
Total Capital to risk weighted assets, Minimum Capital Required-Basel III Fully Phased-In Ratio	0.1050	0.1050
Tier 1 (Core) Capital to risk weighted assets, Minimum Capital Required-Basel III Fully Phased-In Ratio	0.0850	0.0850
Common equity tier 1 capital to risk-weighted assets, Minimum Capital Required-Basel III Fully Phased-In Ratio	0.0700	0.0700
Tier 1 (Core) Capital to adjusted total assets, Minimum Capital Required-Basel III Fully Phased-In Ratio	0.0400	0.0400

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative [Line Items]
Net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps	$ 0	$ 0	$ 0
Fair value, Derivative assets	4,233,000	538,000	1,944,000
Fair value, Derivative liabilities	$ (4,233,000)	$ (538,000)	(1,944,000)
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income Other Operating Income	Noninterest Income Other Operating Income
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	$ 42,177,000	$ 44,887,000	46,474,000
Interest-rate swaps	2,767,000
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Notional amount	3,940,000	50,312,000	1,048,613,000
Fair value, Derivative assets	$ 0	555,000	18,100,000
Interest Rate Lock Commitments [Member] | Minimum [Member]
Derivative [Line Items]
Commitments period	30 days
Interest Rate Lock Commitments [Member] | Maximum [Member]
Derivative [Line Items]
Commitments period	60 days
TBA Mortgage-Back Securities [Member]
Derivative [Line Items]
Notional amount		53,250,000	506,750,000
Fair value, Derivative assets	$ 0	53,250,000	506,750,000
Fair value, Derivative liabilities	$ 0	$ (73,000)	$ (2,690,000)

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Fair value of derivative asset	$ 4,233	$ 538	$ 1,944
Fair value of derivative liability	(4,233)	(538)	(1,944)
Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 42,177	$ 44,887	$ 46,474
Weighted average pay rate on interest-rate swaps	4.34%	4.21%	4.19%
Weighted average receive rate on interest-rate swaps	6.21%	3%	3.08%
Weighted average maturity (years)	7 years 8 months 12 days	6 years 10 months 24 days	7 years 4 months 24 days

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Mortgage Banking Derivatives) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Fair value, Derivative assets	$ 4,233	$ 538	$ 1,944
Fair value, Derivative liabilities	(4,233)	(538)	(1,944)
Interest Rate Commitments [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Assets	3,940	50,312	1,048,613
Fair value, Derivative assets		555	18,100
TBA Mortgage-Back Securities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Assets		53,250	506,750
Fair value, Derivative assets	0	53,250	506,750
Fair value, Derivative liabilities	$ 0	$ (73)	$ (2,690)

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Notional Amount Of Loans Sold) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments [Abstract]
Notional amount of loans sold	$ 97,265	$ 2,358,510	$ 2,229,042

Derivative Instruments (Sched_3

Derivative Instruments (Schedule Of Revenue Recognized On Mortgage Activities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments [Abstract]
Gain (loss) on loans sold	$ (64)	$ 21,646	$ 61,147
Gain (loss) from change in fair value of loans held-for-sale	(356)	(8,408)	7,046
Gain (loss) from change in fair value of derivatives	1,076	(7,322)	(9,895)
Revenue recognized on mortgage activities	$ 656	$ 5,916	$ 58,298

Loan Commitments And Other Re_3

Loan Commitments And Other Related Activities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	60 days
Construction [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	1 year
Minimum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	2%	2%
Maturities for fixed rate loan commitments	1 month	1 month
Maximum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	8.50%	8%
Maturities for fixed rate loan commitments	30 years	30 years

Loan Commitments And Other Re_4

Loan Commitments And Other Related Activities (Contractual Amounts Of Financial Instruments With Off-Balance-Sheet Risk) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Commitments to make loans [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	$ 30,441	$ 86,001
Variable Rate	169,838	135,429
Unused lines of credit [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	9,364	33,620
Variable Rate	118,687	73,812
Standby letters of credit [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	$ 3,149	$ 4,851

Parent Company Only Condensed_3

Parent Company Only Condensed Financial Information (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and cash equivalents	$ 151,787	$ 166,591
Equity securities	5,000	5,000
Other assets	39,362	24,562
Total assets	1,820,174	1,495,589
Liabilities and Equity
Subordinated debentures	14,922	14,883
Stockholders' equity	139,248	125,330	$ 110,210	$ 80,664
Total liabilities and stockholder's equity	1,820,174	1,495,589
Parent Company [Member]
ASSETS
Cash and cash equivalents	487	819	$ 1,785	$ 10,037
Equity securities	5,000	5,000
Investment in banking subsidiary	175,123	155,391
Investment in and advances to other subsidiary	247	243
Other assets	3,027	3,374
Total assets	183,884	164,827
Liabilities and Equity
Subordinated debentures	14,922	14,883
Other borrowings	29,461	24,277
Accrued expenses and other liabilities	253	337
Stockholders' equity	139,248	125,330
Total liabilities and stockholder's equity	$ 183,884	$ 164,827

Parent Company Only Condensed_4

Parent Company Only Condensed Financial Information (Condensed Statements Of Operations) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Dividend income	$ 348	$ 234	$ 199
Other income	451	434	198
Interest expense	18,974	10,309	14,578
Income before incomes taxes	22,592	22,818	36,283
Tax effect	4,428	4,365	6,675
Net income	18,164	18,453	29,608
Comprehensive income	16,297	18,187	29,676
Parent Company [Member]
Dividend income	10,000
Interest income		414
Other income	675	230	178
Interest expense	1,882	1,527	1,209
Other expense	796	851	830
Income before incomes taxes	7,997	(1,734)	(1,861)
Tax effect	463	407	390
Loss after income tax and before undistributed subsidiary income	8,460	(1,327)	(1,471)
Equity in undistributed subsidiary income	9,704	19,780	31,079
Net income	18,164	18,453	29,608
Comprehensive income	$ 16,297	$ 18,187	$ 29,676

Parent Company Only Condensed_5

Parent Company Only Condensed Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities
Net income	$ 18,164	$ 18,453	$ 29,608
Amortization, net	(881)	(2,505)	(1,510)
Net cash from (used by) operating activities	39,764	253,303	(123,465)
Cash flows used by investing activities:
Dividends paid to the Holdings Company	582	756	594
Purchase of equity securities			(5,000)
Net cash used by investing activities	(353,321)	(316,730)	(259,754)
Cash flows from financing activities:
Proceeds from exercise of stock options	387	185	36
Acquisition of treasury shares surrendered upon vesting of restricted stock and exercised options for payment of taxes and exercise proceeds	(173)	(139)	(32)
Purchase of treasury shares	(2,339)	(2,972)	(648)
Dividends paid	(1,153)	(848)	(195)
Net cash from financing activities	298,753	8,424	558,934
Net change in cash and cash equivalents	(14,804)	(55,003)	175,715
Beginning cash and cash equivalents	166,591
Ending cash and cash equivalents	151,787	166,591
Parent Company [Member]
Cash flows from operating activities
Net income	18,164	18,453	29,608
Effect of subsidiaries' operations	(9,704)	(19,780)	(31,079)
Amortization, net	39	39	38
Change in other assets and other liabilities	263	(681)	(480)
Net cash from (used by) operating activities	8,762	(1,969)	(1,913)
Cash flows used by investing activities:
Investments in banking subsidiary	(11,000)	(10,000)	(5,000)
Purchase of equity securities			(5,000)
Net cash used by investing activities	(11,000)	(10,000)	(10,000)
Cash flows from financing activities:
Proceeds from other borrowings	15,184	19,277	15,000
Repayments of other borrowings	(10,000)	(4,500)	(10,500)
Proceeds from exercise of stock options	387	185	36
Acquisition of treasury shares surrendered upon vesting of restricted stock and exercised options for payment of taxes and exercise proceeds	(173)	(139)	(32)
Purchase of treasury shares	(2,339)	(2,972)	(648)
Dividends paid	(1,153)	(848)	(195)
Net cash from financing activities	1,906	11,003	3,661
Net change in cash and cash equivalents	(332)	(966)	(8,252)
Beginning cash and cash equivalents	819	1,785	10,037
Ending cash and cash equivalents	$ 487	$ 819	$ 1,785

Earnings Per Common Share (Comp

Earnings Per Common Share (Computation Of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	May 28, 2020
Basic
Net income	$ 18,164	$ 18,453	$ 29,608
Earnings allocated to participating securities (Series C preferred stock)			(2,280)
Net income attributable to common stockholders	$ 18,164	$ 18,453	$ 27,328
Weighted average common shares outstanding including unvested share-based payment awards	6,508,064	6,605,278	6,072,829
Less: Unvested share-based payment awards-2019 Plan	(111,011)	(97,122)	(43,732)
Average shares	6,397,053	6,508,156	6,029,097
Basic earnings per common share	$ 2.84	$ 2.84	$ 4.53
Diluted
Net earnings allocated to common stockholders	$ 18,164	$ 18,453	$ 27,328
Weighted average common shares outstanding for basic earnings per common share	6,397,053	6,508,156	6,029,097
Add: Dilutive effects of assumed exercises of stock options	27,096	45,169	34,158
Add: Dilutive effects of unvested share-based payment awards-2019 Plan	111,011	97,122	43,732
Average shares and dilutive potential common shares	6,535,160	6,650,447	6,106,987
Diluted earnings per common share	$ 2.78	$ 2.77	$ 4.47
Series C Preferred Stock [Member]
Diluted
Number of outstanding shares	0			12,607
Non-Voting Common Stock [Member]
Diluted
Shares authorized	1,260,700	1,260,700		1,260,700

Earnings Per Common Share (Summ

Earnings Per Common Share (Summary Of Anti-Dilutive Options Or Warrants) (Details)	12 Months Ended
	Dec. 31, 2020 shares
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	331

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended			36 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period	$ (170)
Other comprehensive income (loss), net of tax	(1,867)	$ (266)	$ 68
Accumulated other comprehensive income, end of period	(2,037)	(170)		$ (2,037)
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	(170)	96	28	28
Other comprehensive income (loss) before reclassifications	(1,867)	(266)	68
Other comprehensive income (loss), net of tax	(1,867)	(266)	68
Accumulated other comprehensive income, end of period	(2,037)	(170)	96	(2,037)
Amount reclassified out of other comprehensive income

Branch Sale (Narrative) (Detail

Branch Sale (Narrative) (Details) $ in Thousands		3 Months Ended	12 Months Ended
	Jul. 16, 2021 item	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Pending Branch Sale [Line Items]
Gain on sale of deposits			$ 1,893
Branch Purchase And Assumption Agreement [Member]
Pending Branch Sale [Line Items]
Number of branches sold | item	2
Gain on sale of deposits		$ 1,900

Other Assets Held For Sale (Nar

Other Assets Held For Sale (Narrative) (Details) - USD ($) $ in Thousands	1 Months Ended
	Sep. 30, 2022	Oct. 20, 2022
Other Assets Held For Sale [Abstract]
Disposal Group, Including Discontinued Operation, Consideration		$ 2,010
Impairment of Long-Lived Assets to be Disposed of	$ 542

Subsequent Event (Narrative) (D

Subsequent Event (Narrative) (Details) - USD ($) $ in Thousands	Feb. 13, 2023	Dec. 31, 2022	Dec. 31, 2021
Subsequent Event [Line Items]
Operating lease, right-of-use asset		$ 1,357	$ 1,925
Operating lease, liabilities		$ 1,438	$ 2,032
Subsequent Event [Member] | Ohio [Member]
Subsequent Event [Line Items]
Operating lease, right-of-use asset	$ 4,267
Operating lease, liabilities	$ 4,267