CF Bankshares (CFBK) 10-Q 15 May 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2023	May 01, 2023
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2023
Current Fiscal Year End Date	--12-31
Document Period End Date	Mar. 31, 2023
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, 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	(Voting) Common Stock, $.01 par value
Trading Symbol	CFBK
Security Exchange Name	NASDAQ
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
Entity Shell Company	false
Entity Central Index Key	0001070680
Common Stock [Member]
Entity Common Stock, Shares Outstanding		5,288,489
Non-Voting Common Stock [Member]
Entity Common Stock, Shares Outstanding		1,260,700

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 214,248	$ 151,787
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	9,661	10,442
Equity securities	5,000	5,000
Loans held for sale, at fair value	591	580
Loans and leases, net of allowance for credit losses on loans of $15,915 and $16,062	1,616,083	1,572,255
FHLB and FRB stock	9,203	7,942
Premises and equipment, net	4,118	3,778
Other assets held for sale	1,930	1,930
Operating lease right-of-use assets	5,500	1,357
Bank owned life insurance	25,791	25,641
Accrued interest receivable and other assets	38,085	39,362
Total assets	1,930,310	1,820,174
Deposits
Noninterest bearing	224,096	263,241
Interest bearing	1,379,745	1,264,681
Total deposits	1,603,841	1,527,922
FHLB advances and other debt	136,970	109,461
Advances by borrowers for taxes and insurance	2,132	3,513
Operating lease liabilities	5,572	1,438
Accrued interest payable and other liabilities	23,530	23,670
Subordinated debentures	14,932	14,922
Total liabilities	1,786,977	1,680,926
Commitments and contingent liabilities
Stockholders' equity
Additional paid-in capital	90,095	89,813
Retained earnings	65,184	61,095
Accumulated other comprehensive loss	(2,253)	(2,037)
Treasury stock, at cost; 368,612 shares of voting common stock at March 31, 2023 and 365,165 shares of voting common stock at December 31, 2022	(9,763)	(9,692)
Total stockholders' equity	143,333	139,248
Total liabilities and stockholder's equity	1,930,310	1,820,174
Common Stock [Member]
Stockholders' equity
Common stock	57	56
Non-Voting Common Stock [Member]
Stockholders' equity
Common stock	$ 13	$ 13

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Allowance for loans and leases	$ 15,915	$ 16,062
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	5,657,903	5,601,289
Treasury stock, shares	368,612	365,165
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

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income
Loans and leases, including fees	$ 22,338	$ 12,828
Securities	215	224
FHLB and FRB stock dividends	121	62
Federal funds sold and other	1,502	38
Total interest and dividend income	24,176	13,152
Interest expense
Deposits	10,419	1,684
FHLB advances and other debt	742	470
Subordinated debentures	282	224
Total interest expense	11,443	2,378
Net interest income	12,733	10,774
Provision for credit losses
Provision for credit losses-loans	267
Provision for credit losses-unfunded commitments	(30)
Total provision for credit losses	237
Net interest income after provision for credit losses	12,496	10,774
Noninterest income
Service charges on deposit accounts	304	266
Net (losses) gains on sales of residential mortgage loans	(3)	557
Swap fee income	30	13
Earnings on bank owned life insurance	150	146
Other	238	64
Total noninterest income	719	1,046
Noninterest expense
Salaries and employee benefits	3,986	3,621
Occupancy and equipment	381	319
Data processing	549	520
Franchise and other taxes	299	323
Professional fees	606	607
Director fees	170	141
Postage, printing and supplies	55	43
Advertising and marketing	183	45
Telephone	64	53
Loan expenses	172	100
Depreciation	133	115
FDIC premiums	503	151
Regulatory assessment	58	66
Other insurance	47	44
Other	485	129
Total noninterest expense	7,691	6,277
Income before incomes taxes	5,524	5,543
Income tax expense	1,076	1,025
Net income	$ 4,448	$ 4,518
Earnings per common share:
Basic	$ 0.69	$ 0.70
Diluted	$ 0.68	$ 0.69

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 4,448	$ 4,518
Other comprehensive loss:
Unrealized holding losses arising during the period related to securities available for sale, net of tax of ($57) and ($279)	(216)	(1,050)
Other comprehensive loss, net of tax	(216)	(1,050)
Comprehensive income	$ 4,232	$ 3,468

Consolidated Statements Of Co_2

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Comprehensive Income [Abstract]
Unrealized holding losses arising during the period related to securities available for sale, tax	$ (57)	$ (279)

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings (Accumulated Deficit) [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Non-Voting Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Additional Paid-In Capital [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Retained Earnings (Accumulated Deficit) [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Accumulated Other Comprehensive Loss [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Treasury Stock [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	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, 2021										$ 55	$ 13	$ 88,528	$ 44,084	$ (170)	$ (7,180)	$ 125,330
Net income													4,518			4,518
Other comprehensive loss														(1,050)		(1,050)
Issuance of stock based incentive plan shares, net of forfeitures
Restricted stock expense, net of forfeitures												180				180
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes															(48)	(48)
Purchase of treasury shares															(331)	(331)
Cash dividends declared on common stock													(257)			(257)
Balance at Mar. 31, 2022										55	13	88,708	48,345	(1,220)	(7,559)	128,342
Balance at Dec. 31, 2021										55	13	88,528	44,084	(170)	(7,180)	125,330
Balance at Dec. 31, 2022	$ (39)	$ (39)	$ 56	$ 13	$ 89,813	$ 61,056	$ (2,037)	$ (9,692)	$ 139,209	56	13	89,813	61,095	(2,037)	(9,692)	$ 139,248
Accounting Standards Update [Extensible Enumeration]																Accounting Standards Update201613 [Member]
Net income													4,448			$ 4,448
Other comprehensive loss														(216)		(216)
Issuance of stock based incentive plan shares, net of forfeitures										1		(1)
Restricted stock expense, net of forfeitures												283				283
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes															(71)	(71)
Cash dividends declared on common stock													(320)			(320)
Balance at Mar. 31, 2023										$ 57	$ 13	$ 90,095	$ 65,184	$ (2,253)	$ (9,763)	$ 143,333

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Issuance of stock based incentive plan, shares	58,784	34,000
Treasury shares, acquisition restricted stock	3,447	2,180
Treasury shares, purchase		15,755
Dividends declared, per share	$ 0.05	$ 0.04

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements Of Cash Flows [Abstract]
Net income	$ 4,448	$ 4,518
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	237
Depreciation	133	115
Amortization, net	(205)	(185)
Deferred income tax (benefit)	141	(451)
Originations of loans held for sale	(1,991)	(85,180)
Proceeds from sale of loans held for sale	1,977	103,581
Net losses (gains) on sales of residential mortgage loans	3	(557)
Loss on disposal of premises and equipment	28
Earnings on bank owned life insurance	(150)	(146)
Stock-based compensation expense	283	180
Net change in:
Accrued interest receivable and other assets	1,024	(1,801)
Operating lease right-of-use asset	124	143
Operating lease liability	(133)	(143)
Accrued interest payable and other liabilities	(140)	459
Net cash from operating activities	5,779	20,533
Cash flows used by investing activities:
Available-for-sale securities: Maturities, prepayments and calls	504	2,005
Loan and lease originations and payments, net	(43,837)	(65,281)
Additions to premises and equipment	(501)	(278)
Purchase of FRB and FHLB Stock	(1,261)	(11)
Return of investment-joint ventures	130	107
Net cash used by investing activities	(44,965)	(63,458)
Cash flows from financing activities:
Net change in deposits	75,919	52,434
Proceeds from FHLB advances and other debt	37,015
Repayments on FHLB advances and other debt	(9,515)	(6,500)
Net change in advances by borrowers for taxes and insurance	(1,381)	(674)
Cash dividends paid on common stock	(320)	(257)
Acquisition of treasury shares surrendered upon vesting of restricted stock for payment of taxes	(71)	(48)
Purchase of treasury shares		(331)
Net cash from financing activities	101,647	44,624
Net change in cash and cash equivalents	62,461	1,699
Beginning cash and cash equivalents	151,787	166,591
Ending cash and cash equivalents	214,248	168,290
Supplemental cash flow information:
Interest paid	10,621	1,919
Supplemental noncash disclosures:
Loans transferred from held for sale to portfolio		$ 1,674
Initial recognition of operating right-of-use lease asset	4,267
Initial recognition of operating lease liability	$ 4,267

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	NO TE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation : The consolidated financial statements include CF Bankshares Inc. (the “Holding Company”) and its wholly-owned subsidiary, CFBank, National Association (“CFBank”). The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2023 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC. Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2022 Annual Report to Stockholders included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 (referred to herein as the “2022 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q. Allowance for credit losses on investment securities available for sale: For investment securities available for sale in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For investment securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded, limited by the amount that the fair value is less than the amortized cost basis. Unrealized losses that have not been recorded through an allowance for credit losses are recognized in other comprehensive income. Adjustments to the allowance for credit losses are reported in the income statement as a component of the provision for credit loss. The Company has made the accounting policy election to exclude accrued interest receivable on investment securities available for sale from the estimate of credit losses. Investment securities available for sale are charged off against the allowance or, in the absence of any allowance, written down through the income statement when deemed uncollectible or when either of the aforementioned criteria regarding intent or requirement to sell is met. The Company did not record an allowance for credit losses on its investment securities available for sale as the unrealized losses were attributable to changes in interest rates, not credit quality. 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 credit losses on loans and leases. 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 status is reversed against interest income in the period in which it is placed on 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. Adoption of ASC 326: Effective January 1, 2023, the Company adopted ASC 326 “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” Results for the periods beginning after January 1, 2023 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP (“Incurred Loss Model”). Allowance for Credit Losses - Loans ("ACL - Loans"): The ACL - Loans is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on loans over the contractual term. Loans are charged off against the allowance when the uncollectibility of the loan is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Adjustments to the ACL- Loans are reported in the income statement as a component of provision for credit loss. The Company has made the accounting policy election to exclude accrued interest receivable on loans from the estimate of credit losses. Further information regarding the policies and methodology used to estimate the ACL - Loans is detailed in Note 4- Loans and Leases to the Consolidated Financial Statements. Allowance for Credit Losses - Off-Balance Sheet Credit Exposures: The allowance for credit losses on off-balance sheet credit exposures is a liability account representing expected credit losses over the contractual period for which the Company is exposed to credit risk resulting from a contractual obligation to extend credit. No allowance is recognized if the Company has the unconditional right to cancel the obligation. Off-balance sheet credit exposures primarily consist of amounts available under outstanding lines of credit and letters of credit. For the period of exposure, the estimate of expected credit losses considers both the likelihood that funding will occur and the amount expected to be funded over the estimated remaining life of the commitment or other off-balance sheet exposure. The likelihood and expected amount of funding are based on historical utilization rates. The amount of the allowance represents management's best estimate of expected credit losses on commitments expected to be funded over the contractual life of the commitment. The allowance for off-balance sheet credit exposures is adjusted through the income statement as a component of provision for credit loss. 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. The Company uses 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. Low Income Housing Tax Credits (LIHTC): CFBank has invested in low income housing tax credits 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 LITC. These investments are accounted for under the proportional amortization method which recognizes the amortization of the investment in proportion to the tax credit and other tax benefits received. Earnings Per Common Share: The following table sets forth the computation of basic and diluted earnings per share: Three months ended March 31, 2023 2022 (unaudited) Basic Net income $ 4,448 $ 4,518 Weighted average common shares outstanding including unvested share-based payment awards 6,535,946 6,505,710 Less: Unvested share-based payment awards-2019 Plan ( 133,090 ) ( 87,829 ) Average shares 6,402,856 6,417,881 Basic earnings per common share $ 0.69 $ 0.70 Diluted Net income $ 4,448 $ 4,518 Weighted average common shares outstanding for basic earnings per common share 6,402,856 6,417,881 Add: Dilutive effects of assumed exercises of stock options 6,752 42,670 Add: Dilutive effects of unvested share-based payment awards-2019 Plan 133,090 87,829 Average shares and dilutive potential common shares 6,542,698 6,548,380 Diluted earnings per common share $ 0.68 $ 0.69 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 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 notes, 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 notes. Recent Accounting Changes Adopted in 2023: 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 required 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 historically are still permitted, although the inputs to those techniques will reflect the full amount of expected credit losses. Organizations continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU required 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 amended the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU was effective for The Company on January 1, 2023. 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 allowance for credit losses: 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 was utilized as the historical loss period due to its inclusion of several economic cycles and relevance to real estate secured assets. Upon implementation of the ASU, the expected loss estimate is 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 was a one-time cumulative-effect adjustment increasing our reserves for loans and unfunded commitments by $ 49 . 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 did not have any material changes to its business practices as a result of implementing the ASU. In March 2022, the FASB issued ASU 2022-02 "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminated the accounting guidance on troubled debt restructurings for creditors in ASC 310-40 and required 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 added enhanced disclosures for creditors with respect to loan refinancings and restructurings for borrowers experiencing financial difficulty. The amended guidance also required disclosure of current period gross charge-offs by year of origination within the vintage disclosures required by ASC 326. The Company adopted ASU 2022-02 on January 1, 2023. Future Accounting Matters: 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, 2024, as extended by ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 . 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. General Litigation The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. In the opinion of management, the disposition or ultimate resolution of such claims and lawsuits is not anticipated to have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2023
Revenue Recognition [Abstract]
Revenue Recognition	NOTE 2 – REVENUE RECOGNITION GAAP requires 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 from contracts with customers, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue generated from our mortgage activities related to net gains on sale of loans. All of the Company’s revenue from contracts with customers is recognized within Noninterest Income. Descriptions of revenue-generating activities 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). Payments for such performance obligations are generally received at the time the performance obligations are satisfied.

Securities

Securities	3 Months Ended
	Mar. 31, 2023
Securities [Abstract]
Securities	NOTE 3 – SECURITIES The following tables summarize the amortized cost and fair value of the available-for-sale securities portfolio at March 31, 2023 and December 31, 2022 and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive income (loss): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 (unaudited) Corporate debt $ 9,979 $ - $ 2,779 $ 7,200 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,520 - 72 2,448 Mortgage-backed securities - residential (1) 13 - - 13 Total $ 12,512 $ - $ 2,851 $ 9,661 (1) Unrealized loss is less than $1 resulting in rounding to zero. 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 There was no impairment recognized in accumulated other comprehensive (loss) for securities available for sale at March 31, 2023 or March 31, 2022. There were no sales of securities during the three months ended March 31, 2023 and 2022. The amortized cost and fair value of debt securities at March 31, 2023 and December 31, 2022 are shown in the table below by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. March 31, 2023 December 31, 2022 (unaudited) Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,010 $ 1,964 $ 2,001 $ 1,961 Due from one to five years 510 484 1,024 964 Due from five to ten years 9,979 7,200 9,978 7,500 Mortgage-backed securities - residential 13 13 17 17 Total $ 12,512 $ 9,661 $ 13,020 $ 10,442 Fair value of securities pledged as collateral was as follows: March 31, 2023 December 31, 2022 (unaudited) Pledged as collateral for: FHLB advances $ 975 $ 967 Public deposits 484 479 Total $ 1,459 $ 1,446 At March 31, 2023 and December 31, 2022, 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 March 31, 2023 and December 31, 2022, aggregated by major security type and length of time in a continuous unrealized loss position. March 31, 2023 (unaudited) Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ 7,200 $ 2,779 $ 7,200 $ 2,779 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury - - 2,448 72 2,448 72 Mortgage-backed securities - residential (1) 13 - - - 13 - Total temporarily impaired $ 13 $ - $ 9,648 $ 2,851 $ 9,661 $ 2,851 (1) Unrealized loss is less than $ 1 resulting in rounding to zero. 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. The unrealized losses at March 31, 2023 and December 31, 2022 were related to one corporate debt security, two mortgage-backed securities 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 it was likely that it would not be required to sell these securities before their anticipated recovery, the Company did not consider these securities to be impaired at March 31, 2023 and December 31, 2022.

Loans And Leases

Loans And Leases	3 Months Ended
	Mar. 31, 2023
Loans And Leases [Abstract]
Loans And Leases	NOTE 4 – LOANS AND LEASES The following table presents the recorded investment in loans and leases by portfolio segment. The recorded investment in loans and leases includes the principal balance outstanding adjusted for purchase premiums and discounts, and deferred loan fees and costs. March 31, 2023 December 31, 2022 (unaudited) Commercial (1) $ 430,264 $ 427,423 Real estate: Single-family residential 474,082 465,057 Multi-family residential 109,659 104,148 Commercial 391,658 375,092 Construction 188,356 184,122 Consumer: Home equity lines of credit 36,567 30,748 Other 1,412 1,727 Subtotal 1,631,998 1,588,317 Less: ACL – Loans ( 15,915 ) ( 16,062 ) Loans and leases, net $ 1,616,083 $ 1,572,255 (1) Includes $ 19,317 and $ 20,768 of commercial leases at March 31, 2023 and December 31, 2022, respectively. Included in Commercial loans at both March 31, 2023 and December 31, 2022, were $ 50 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 loans under the PPP 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 have 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). Using the PPP loans as collateral, CFBank funded nearly all of the PPP loans through loans obtained under the Paycheck Protection Program Liquidity Facility (“PPPLF”), which carried a low interest rate of 0.35 %. At March 31, 2023 and December 31,2022, there were no loans pledged as collateral and all PPPLF borrowings were paid off. See Note 8 - FHLB Advances and Other Debt for additional information. Allowance for Credit Losses on Loans (ACL – Loans) As discussed in Note 1, effective January 1, 2023, the Company adopted ASC 326 “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” Results for the periods beginning after January 1, 2023 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP (“Incurred Loss Model”). The ACL - Loans is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on loans over the contractual term. The ACL - Loans is adjusted by the provision for credit losses, which is reported in earnings, and reduced by charge offs for loans, net of recoveries. Provision for credit losses on loans reflects the totality of actions taken on all loans for a particular period including any necessary increases or decreases in the allowance related to changes in credit loss expectations associated with specific loans or pools of loans. Loans are charged off against the allowance when the uncollectibility of the loan is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. The allowance represents the Company's best estimate of current expected credit losses on loans using relevant available information, from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. The CECL calculation is performed and evaluated quarterly and losses are estimated over the expected life of the loan. The level of the allowance for credit losses is believed to be adequate to absorb all expected future losses inherent in the loan portfolio at the measurement date. In calculating the allowance for credit losses, the loan portfolio was pooled into loan segments with similar risk characteristics. Common characteristics include the type or purpose of the loan, underlying collateral and historical/expected credit loss patterns. In developing the loan segments, the Company analyzed the degree of correlation in how loans within each portfolio respond when subjected to varying economic conditions and scenarios as well as other portfolio stress factors. The expected credit losses are measured over the life of each loan segment utilizing the average charge-off methodology combined with economic forecast models to estimate the current expected credit loss inherent in the loan portfolio. This approach is also leveraged to estimate the expected credit losses associated with unfunded loan commitments incorporating expected utilization rates. The Company sub-segmented certain commercial portfolios by risk level where appropriate. The Company utilized a one-year reasonable and supportable economic forecast period . The Company qualitatively adjusts model results for risk factors that are not inherently considered in the historical losses , but are nonetheless relevant in assessing the expected credit losses within the loan portfolio. These adjustments may increase or decrease the estimate of expected credit losses based upon the assessed level of risk for each qualitative factor. The various risks that may be considered in making qualitative adjustments include, among other things, the impact of (i) changes in economic conditions, (ii) changes in the nature and volume of the loan portfolio, ( iii ) changes in the existence, growth and effect of any concentrations in credit, ( iv ) changes in lending policies and procedures, including changes in underwriting standards and practices for collections, write-offs, and recoveries, ( v ) changes in the quality of the credit review function , (vi ) changes in the experience, ability and depth of lending management and staff, (vii) changes in the volume and severity of past due and adversely classified loans and the volume of non-accrual loans, (viii) changes in the value of underlying collateral for collateral-dependent loans, and (ix ) other environmental factors such as regulatory, legal and technological considerations, as well as competition. In some cases, management may determine that an individual loan exhibits unique risk characteristics which differentiate the loan from other loans within the loan segments. In such cases, the loans are evaluated for expected credit losses on an individual basis and excluded from the collective evaluation. Specific reserve allocations of the allowance for credit losses are determined by analyzing the borrower's ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other things. A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The fair value of collateral supporting collateral dependent loans is evaluated on a quarterly basis. The following table presents the activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2023 (unaudited). Three Months Ended March 31, 2023 (unaudited) Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home equity lines of credit Other Total Allowance for credit losses Balances, December 31, 2022 $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 Impact of adoption ASC 326 877 ( 958 ) 66 726 ( 1,019 ) ( 129 ) 28 ( 409 ) Balances, January 1, 2023 Post-ASC 326 adoption 5,641 2,956 1,063 4,110 1,625 204 54 15,653 Provision of credit losses ( 198 ) 235 ( 18 ) 13 54 127 54 267 Recoveries on loans - 3 - - - - - 3 Loans charged off ( 5 ) - - - - - ( 3 ) ( 8 ) Balances, March 31, 2023 $ 5,438 $ 3,194 $ 1,045 $ 4,123 $ 1,679 $ 331 $ 105 $ 15,915 Allowance for Loan and Lease Losses under prior GAAP (“Incurred Loss Model”) Prior to the adoption of ASU No. 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments on January 1,2023, the Company maintained an allowance for loan losses in accordance with the incurred loss model as disclosed in the Company’s 2022 Annual Report on Form 10-K. The following table presents the activity in the allowance for loan and lease losses (ALLL) by portfolio segment for the three months ended March 31, 2022. Three months ended March 31, 2022 (unaudited) 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 300 150 ( 40 ) ( 400 ) - - ( 10 ) - Charge-offs - - - - - - - - Recoveries - 8 - - - 4 - 12 Ending balance $ 4,427 $ 3,506 $ 787 $ 4,634 $ 1,744 $ 276 $ 146 $ 15,520 Determining fair value for collateral dependent loans requires obtaining a current independent appraisal of the collateral and applying a discount factor, which includes selling costs if applicable, to the value. The fair value of real estate is generally based on appraisals by qualified licensed appraisers. The appraisers typically determine the value of the real estate by utilizing an income or market valuation approach. If an appraisal is not available, the fair value may be determined by using a cash flow analysis. Fair value on other collateral such as business assets is typically ascertained by assessing, either singularly or some combination of, asset appraisals, accounts receivable aging reports, inventory listings and or customer financial statements. Both appraised values and values based on borrower’s financial information are discounted as considered appropriate based on age and quality of the information and current market conditions. The table below presents the amortized cost basis of collateral dependent loans by loan class and their respective collateral types, which are individually evaluated to determine expected credit losses. March 31, 2023 Residential Real Estate Other Total Allowance on Collateral Dependent Loans Commercial $ - $ 80 $ 80 $ - Real estate: Single-family residential 638 - 638 - Total nonaccrual loans $ 638 $ 80 $ 718 $ - The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 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 loans individually evaluated for impairment by class of loans as of December 31, 2022. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table also presents the average recorded investment and accrual basis interest income recognized during the three ended March 31, 2022. Cash payments of interest during the three months ended March 31, 2022 totaled $ 30 . Three months ended As of December 31, 2022 March 31, 2022 (unaudited) Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 371 80 - 165 1 Real estate: Single-family residential (1) 95 95 - 99 1 Commercial: Non-owner occupied - - - 1,399 17 Total with an allowance recorded 466 175 - 1,663 19 Total $ 466 $ 175 $ - $ 1,663 $ 19 (1) Allowance recorded in an amount less than $ 1 has been rounded down to zero. The following table presents the recorded investment in non-accrual loans by class of loans at March 31, 2023 (unaudited): Non-Accrual Loans Non-Accrual loans with no Allowance for Credit Losses Commercial $ 80 $ 80 Real estate: Single-family residential 638 638 Total nonaccrual loans $ 718 $ 718 The following table presents the recorded investment in nonperforming loans by class of loans at December 31, 2022: December 31, 2022 Loans past due over 90 days still on accrual $ - Nonaccrual loans: Commercial 99 Real estate: Single-family residential 641 Consumer: Home equity lines of credit: Originated for portfolio 18 Purchased for portfolio 3 Total nonaccrual 761 Total nonaccrual and nonperforming loans $ 761 Nonaccrual loans include both smaller balance 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 March 31, 2023 or December 31, 2022. The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of March 31, 2023 (unaudited): 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ 301 $ - $ 80 $ 381 $ 429,883 $ - Real estate: Single-family residential - - 564 564 473,518 74 Multi-family residential - - - - 109,659 - Commercial: Non-owner occupied - - - - 182,252 - Owner occupied - - - - 178,629 - Land - - - - 30,777 - Construction - - - - 188,356 - Consumer: Home equity lines of credit: Originated for portfolio 28 - - 28 36,539 - Purchased for portfolio - - - - - - Other - - - - 1,412 - Total $ 329 $ - $ 644 $ 973 $ 1,631,025 $ 74 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 Troubled Debt Restructurings (TDRs): The Company adopted ASU 2022-02, Financial Instruments- Credit Losses (Topic 326): Troubled Debt Restructuring and Vintage Disclosures , during the first quarter of 2023. This amendment eliminated the TDR recognition and measurement guidance and, instead, required that an entity evaluate (consistent with the accounting for other loan modifications) whether the modification represents a new loan or a continuation of an existing loans. The amendments also enhanced existing disclosure requirements and introduced new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. During the first quarter of 2023, the Company did no t modify any loans. Prior to the adoption of ASU 2022-02, from time to time, the terms of certain loans were modified as TDRs, where concessions were granted to borrowers experiencing financial difficulties. The modification of the terms of those loans 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, TDRs totaled $ 175 . The Company allocated $ 0 of specific reserves to loans whose terms had been modified in TDRs as of December 31, 2022. The Company had not committed to lend any additional amounts as of December 31, 2022 to customers with outstanding loans classified as nonaccrual TDRs. During the three months ended March 31, 2022, there were no loans modified as a TDR. There were no TDR’s that went into payment default during the quarter ended March 31, 2022. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms, at which time the loan is re-evaluated to determine whether an impairment loss should be recognized, either through a write-off or specific valuation allowance, so that the loan is reported, net, at the present value of estimated future cash flows, or at the fair value of collateral, less cost to sell, if repayment is expected solely from the collateral. 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, nonaccrual TDRs were as follows: December 31, 2022 Commercial $ 80 Total $ 80 Nonaccrual loans at December 31, 2022 did not include $ 95 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 were included in total impaired loans. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes loans individually by classifying the loans as to credit risk. This analysis includes commercial, commercial real estate and multi-family residential real estate loans. Internal loan reviews for these loan types are performed at least annually, and more often for loans with higher credit risk. Adjustments to loan risk ratings are made based on the reviews and at any time information is received that may affect risk ratings. The following definitions are used for risk ratings: Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of CFBank’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that there will be some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans not meeting the criteria to be classified into one of the above categories are considered to be “not rated” or “pass-rated” loans. Loans listed as not rated are primarily groups of homogeneous loans. Past due information is the primary credit indicator for groups of homogenous loans. Loans listed as pass-rated loans are loans that are subject to internal loan reviews and are determined not to meet the criteria required to be classified as special mention, substandard or doubtful. The following table summarizes the risk grading of the Company’s loan portfolio by loan class and by year of origination for the years indicated. Consumer and Single-family residential loans are not risk graded. For purposes of this disclosure, those loans are classified in the following manner: loans that are less than 89 days past due and accruing are performing and loans greater that 89 days past due or in nonaccrual are nonperforming loans. Term Loans (amortized cost basis by origination year) (unaudited) 2023 2022 2021 2020 2019 Prior Revolving loans amortized cost basis Revolving loans converted to term Total Commercial and Industrial Pass $ 22,079 $ 99,936 $ 104,776 $ 49,138 $ 6,298 $ 13,424 $ 129,905 $ - $ 425,556 Doubtful - - 4,628 - - 80 - - 4,708 Total Commercial and industrial loans 22,079 99,936 109,404 49,138 6,298 13,504 129,905 - 430,264 Current period gross charge-offs - - 5 - - - - - 5 Real estate loans: Single-family residential Payment performance Performing 15,362 137,473 243,617 47,787 10,505 18,700 473,444 Nonperforming - - - - - 638 - - 638 Total Single-family residential loans 15,362 137,473 243,617 47,787 10,505 19,338 - - 474,082 Multi-family residential Pass 4,806 8,840 51,062 7,389 15,945 21,617 - - 109,659 Total Multi-family residential loans 4,806 8,840 51,062 7,389 15,945 21,617 - - 109,659 Commercial: Non-owner occupied Pass 12,839 26,149 48,185 15,716 20,610 56,388 948 - 180,835 Special Mention - - - - 514 903 - - 1,417 Total Non-owner occupied loans 12,839 26,149 48,185 15,716 21,124 57,291 948 - 182,252 Owner occupied Pass 4,673 57,194 56,762 20,540 19,353 19,344 70 - 177,936 Special Mention - - - - 693 - - - 693 Total Owner occupied loans 4,673 57,194 56,762 20,540 20,046 19,344 70 - 178,629 Land Pass 1,138 8,391 18,221 2,030 263 636 98 - 30,777 Total Land loans 1,138 8,391 18,221 2,030 263 636 98 - 30,777 Construction Pass 4,937 65,953 94,773 8,938 - 213 13,542 - 188,356 Total Construction loans 4,937 65,953 94,773 8,938 - 213 13,542 - 188,356 Consumer: Home equity lines of credit: Payment performance Performing - - - - - - 36,198 369 36,567 Nonperforming - - - - - - - - - Total Home equity lines of credit - - - - - - 36,198 369 36,567 Other Payment performance Performing - - - 15 - 315 1,082 - 1,412 Nonperforming - - - - - - - - - Total Other consumer loans - - - 15 - 315 1,082 - 1,412 Current period gross charge-offs - - - - - 3 - - 3 Total loans $ 65,834 $ 403,936 $ 622,024 $ 151,553 $ 74,181 $ 132,258 $ 181,843 $ 369 $ 1,631,998 Total current period gross charge-offs $ - $ - $ 5 $ - $ - $ 3 $ - $ - $ 8 The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2022 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 Leases: The following lists the components of the net investment in direct financing leases: March 31, 2023 December 31, 2022 (unaudited) Total minimum lease payments to be received $ 20,855 $ 22,533 Less: Unearned income ( 1,567 ) ( 1,798 ) Plus: Indirect initial costs 29 33 Net investment in direct financing leases $ 19,317 $ 20,768 The following summarizes the future minimum lease payments receivable in fiscal year 2023 and in subsequent fiscal years: 2023, excluding the three months ended March 31, 2023 $ 5,181 2024 6,358 2025 5,640 2026 3,000 2027 626 Thereafter 50 Total future minimum payments $ 20,855

Leases

Leases	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Leases	NOTE 5 – 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. 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 2034 . All of our leases are classified as operating leases. 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 amount 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. The Company uses the discount 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 March 31, 2023, the weighted-average remaining lease term for the Company’s operating leases was 9.4 years and the weighted-average discount rate was 7.29 %. The Company’s operating lease costs were $ 124 for the three months ended March 31, 2023 and $ 143 for the three months ended March 31, 2022. The variable lease costs totaled $ 164 for the three months ended March 31, 2023 and $ 84 for the three months ended March 31, 2022. 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 March 31, 2023 are as follows: 2023, excluding the three months ended March 31, 2023 $ 807 2024 1,001 2025 761 2026 677 2027 627 Thereafter 4,025 Total future minimum rental commitments 7,898 Less - amounts representing interest ( 2,326 ) Total operating lease liabilities $ 5,572

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2023
Fair Value [Abstract]
Fair Value	NOTE 6 - FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of each type of asset and liability: Securities available for sale : The fair value of securities available for sale is determined using pricing models that vary based on asset class and include available trade, bid and other market information or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Derivatives : The fair value of derivatives, which includes yield maintenance provisions, interest rate lock commitments and interest rate swaps, is based on valuation models using observable market data as of the measurement date (Level 2). TBA mortgage – back securities: To mitigate the effect of the interest rate risk inherent in providing rate lock commitments to borrowers, the Company enters into either a forward sales contract to sell loans to investors when using best efforts or a 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 ACL - Loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for collateral-dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by a third-party appraisal management company approved by the Board of Directors annually. Once received, the loan officer or a member of the credit department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are updated as needed based on facts and circumstances associated with the individual properties. Real estate appraisals typically incorporate measures such as recent sales prices for comparable properties. Appraisers may make adjustments to the sales prices of the comparable properties as deemed appropriate based on the age, condition or general characteristics of the subject property. Management applies an additional discount to real estate appraised values, typically to reflect changes in market conditions since the date of the appraisal if warranted and to cover disposition costs (including selling expenses) based on the intended disposition method of the property. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Loans held for sale: Loans held for sale are carried at fair value, as determined by outstanding commitments from third party investors (Level 2). Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities for which the Company has elected the fair value option, are summarized below: Fair Value Measurements at March 31, 2023 using Significant Other Observable Inputs (Level 2) (unaudited) Financial Assets: Securities available for sale: Corporate debt $ 7,200 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,448 Mortgage-backed securities - residential 13 Total securities available for sale $ 9,661 Loans held for sale $ 591 Derivative assets $ 3,576 Financial Liabilities: Derivative liabilities $ 3,576 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 The Company had no assets or liabilities measured at fair value on a recurring basis that were measured using Level 1 or Level 3 inputs at March 31, 2023 or December 31, 2022. There were no transfers of assets or liabilities measured at fair value between levels during the periods ended March 31, 2023 and December 31, 2022. There were no assets or liabilities measured at fair value on a non-recurring basis at March 31, 2023. 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 Total impaired loans $ 80 There were no write-downs of impaired collateral dependent loans during the three months ended March 31, 2023 or 2022. 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. 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. No ne of these loans were 90 days or more past due or on nonaccrual as of March 31, 2023 or December 31, 2022. As of March 31, 2023 and December 31, 2022, the aggregate fair value, contractual balance and gain or loss on loans held for sale were as follows: March 31, 2023 December 31, 2022 (unaudited) Aggregate fair value $ 591 $ 580 Contractual balance 591 580 Gain (loss) $ - $ - The total amount of gains and losses from changes in fair value included in earnings for the three months ended March 31, 2023 and 2022 for loans held for sale were: Three months ended March 31, 2023 2022 (unaudited) Interest income $ 3 $ 172 Interest expense - - Change in fair value - ( 448 ) Total change in fair value $ 3 $ ( 276 ) The carrying amounts and estimated fair values of financial instruments at March 31, 2023 were as follows: Fair Value Measurements at March 31, 2023 Using: Carrying (unaudited) Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 214,248 $ 214,248 $ - $ - $ 214,248 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 9,661 - 9,661 - 9,661 Equity Securities 5,000 - 5,000 - 5,000 Loans held for sale 591 - 591 - 591 Loans and leases, net 1,616,083 - - 1,597,725 1,597,725 FHLB and FRB stock 9,203 n/a n/a n/a n/a Accrued interest receivable 6,782 203 169 6,410 6,782 Other assets held for sale 1,930 - - 1,930 1,930 Derivative assets 3,576 - 3,576 - 3,576 Financial liabilities Deposits $ ( 1,603,841 ) $ ( 1,024,466 ) $ ( 570,941 ) $ - $ ( 1,595,407 ) FHLB advances and other borrowings ( 136,970 ) - ( 138,365 ) - ( 138,365 ) Advances by borrowers for taxes and insurance ( 2,132 ) - - ( 2,132 ) ( 2,132 ) Subordinated debentures ( 14,932 ) - ( 14,996 ) - ( 14,996 ) Accrued interest payable ( 1,663 ) - ( 1,663 ) - ( 1,663 ) Derivative liabilities ( 3,576 ) - ( 3,576 ) - ( 3,576 ) The carrying amounts and estimated fair values of financial instruments at December 31, 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 borrowings ( 109,461 ) - ( 105,718 ) - ( 105,718 ) 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 methods and assumptions, not previously presented, used to estimate fair values 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 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 as of March 31, 2023, 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.

Subordinated Debentures

Subordinated Debentures	3 Months Ended
	Mar. 31, 2023
Subordinated Debentures [Abstract]
Subordinated Debentures	NOTE 7 – 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 (which is classified as a variable interest entity); therefore, the trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability. The Holding Company’s investment in the common stock of the trust was $ 155 and is included in other assets. The Holding Company may redeem the subordinated debentures, in whole or in part, in a principal amount with integral multiples of $ 1 , at 100 % of the principal amount, plus accrued and unpaid interest. The subordinated debentures mature on December 30, 2033 . The subordinated debentures are also redeemable in whole or in part from time to time, upon the occurrence of specific events defined within the trust indenture. There are no required principal payments on the subordinated debentures over the next five years . The Holding Company has the option to defer interest payments on the subordinated debentures for a period not to exceed five consecutive years. The subordinated debentures have a variable rate of interest, reset quarterly, equal to the three-month London Interbank Offered Rate (LIBOR) plus 2.85 %, which was 8.01 % at March 31, 2023 and 7.58 % at December 31, 2022. 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 . After payment of approximately $ 388 of debt issuance costs, the Holding Company’s net proceeds were approximately $ 9,612 . The subordinated 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. At March 31, 2023, the balance of the subordinated notes, net of unamortized debt issuance costs, was $ 9,777 .

FHLB Advances And Other Debt

FHLB Advances And Other Debt	3 Months Ended
	Mar. 31, 2023
FHLB Advances And Other Debt [Abstract]
FHLB Advances And Other Debt	NOTE 8 – FHLB ADVANCES AND OTHER DEBT FHLB advances and other debt were as follows: Weighted Average Rate March 31, 2023 December 31, 2022 (unaudited) Variable Rate Advances Maturities less than 30 days 4.84 % $ 27,000 $ - FHLB fixed rate advances: Maturities: 2023 - 3,500 2024 1.46 % 18,500 18,500 2026 1.45 % 16,000 16,000 2027 3.88 % 12,500 12,500 2028 1.69 % 17,000 - Thereafter 3.94 % 12,500 29,500 Total FHLB fixed rate advances 76,500 80,000 Variable rate other debt: Holding Company credit facility 3.85 % 33,470 29,461 Total $ 136,970 $ 109,461 Each FHLB advance is payable at its maturity date, with a prepayment penalty for fixed-rate advances. 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 million 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. At March 31, 2023, the Company had an outstanding balance, net of unamortized debt issuance costs, of $ 33,470 on the facility. At March 31, 2023, 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 March 31, 2023 and December 31, 2022. 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. There were no outstanding borrowings with the FRB at March 31, 2023 and December 31, 2022.

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2023
Stock-Based Compensation [Abstract]
Stock-Based Compensation	NOTE 9 – 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 $ 283 and $ 180 , respectively, for the three months ended March 31, 2023 and March 31, 2022. The total income tax effect was $ 59 and $ 38 , respectively, for the three months ended March 31, 2023 and March 31, 2022. Both Plans are stockholder-approved plans 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 were later forfeited or expired 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 57,034 shares remaining available for awards of stock options, stock appreciation rights, restricted stock or restricted stock units under the 2019 Plan at March 31, 2023. 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 options granted during the three months ended March 31, 2023 and March 31, 2022. There were no options exercised during the three months ended March 31, 2023 and March 31, 2022. A summary of stock option activity in the Plans for the three months ended March 31, 2023 follows (unaudited): Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Outstanding at beginning of year 11,089 $ 7.63 Exercised - - Expired - - Cancelled or forfeited - - Outstanding at end of period 11,089 $ 7.63 0.6 $ 132 Exercisable at end of period 11,089 $ 7.63 0.6 $ 132 There were no stock options canceled, forfeited or expired during the three months ended March 31, 2023 or the three months ended March 31, 2022. As of March 31, 2023, 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 year to three years . There were 58,784 shares of restricted stock granted under the Plan during the three months ended March 31, 2023. There were 34,000 shares of restricted stock granted during the three months ended March 31, 2022. A summary of changes in the Company’s nonvested restricted stock awards as of March 31, 2023 follows (unaudited): Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2023 112,413 $ 19.35 Granted 58,784 20.20 Vested ( 31,177 ) 18.96 Forfeited ( 2,170 ) 19.61 Nonvested at March 31, 2020 137,850 $ 19.79 As of March 31, 2023 and 2022, the unrecognized compensation cost related to nonvested restricted stock awards granted under the Plans was $ 2,337 and $ 1,593 , respectively. There were 2,170 shares of restricted stock forfeited during the three month period ended March 31, 2023, and 366 shares of restricted stock forfeited during the three months ended March 31, 2022. There were 31,177 shares of restricted stock that vested during the three months ended March 31, 2023, and 25,312 shares of restricted stock that vested during the three months ended March 31, 2022.

Regulatory Capital Matters

Regulatory Capital Matters	3 Months Ended
	Mar. 31, 2023
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	NOTE 10 – 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. 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 consists of an additional amount of common equity equal to 2.5% of risk-weighted assets. 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 March 31, 2023 and December 31, 2022 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 March 31, 2023 (unaudited) Total Capital to risk weighted assets $ 198,745 12.93 % $ 161,426 10.50 % $ 153,739 10.00 % Tier 1 (Core) Capital to risk weighted assets 181,998 11.84 % 130,678 8.50 % 122,992 8.00 % Common equity tier 1 capital to risk-weighted assets 181,998 11.84 % 107,618 7.00 % 99,931 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 181,998 10.02 % 72,676 4.00 % 90,845 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, 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 % CFBank converted from a mutual to a stock institution in 1998, and a “liquidation account” was established in the amount of $ 14,300 , which was the net worth reported in the conversion prospectus. The liquidation account represents a calculated amount for the purposes described below, and it does not represent actual funds included in the consolidated financial statements of the Company. Eligible depositors who have maintained their accounts, less annual reductions to the extent they have reduced their deposits, would 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 12 - Income Taxes .

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2023
Derivative Instruments [Abstract]
Derivative Instruments	NOTE 11 – 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 $ 41,702 at March 31, 2023 and $ 42,177 at December 31, 2022. 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 March 31, 2023, CFBank had $ 2,794 in cash pledged as collateral for these derivatives. Should the liability increase beyond the collateral value, CFBank will be required to pledge additional collateral. Additionally, CFBank’s interest-rate swap instruments contain provisions that require CFBank to remain well capitalized under regulatory capital standards 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 March 31, 2023, 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: March 31, 2023 December 31, 2022 (unaudited) Notional amount $ 41,702 $ 42,177 Weighted average pay rate on interest-rate swaps 4.34 % 4.34 % Weighted average receive rate on interest-rate swaps 6.69 % 6.21 % Weighted average maturity (years) 7.4 7.7 Fair value of derivative asset $ 3,576 $ 4,233 Fair value of yield derivative liability ( 3,576 ) ( 4,233 ) T he fair value of the yield maintenance provisions and interest-rate swaps is recorded in other assets and other liabilities, respectively, in the consolidated balance sheet. Changes in the fair value of the yield maintenance provisions and interest-rate swaps are reported currently in earnings, as other noninterest income in the consolidated statements of income. There were no net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps for the three months ended March 31, 2023 or 2022. 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 our 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. T he Company had $ 1,587 of interest lock commitments related to residential mortgage loans at March 31, 2023 and approximately $ 3,940 of interest rate lock commitments related to residential mortgage loans at December 31, 2022. The fair value of these interest lock commitments was $ 0 at March 31, 2023 and December 31, 2022. 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 included two types of commitments: rate lock commitments and forward loan commitments. Rate lock commitments were loans in our pipeline that had an interest rate locked with the customer. The commitments were generally for periods of 30 - 60 days and were at market rates. In order to mitigate the effect of the interest rate risk inherent in providing rate lock commitments, we economically hedged 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 $ 0 of TBA mortgage-backed securities at March 31, 2023 and December 31, 2022. The following table reflects the amount and market value of mortgage banking derivatives included in the consolidated balance sheet as of the period end (in thousands): March 31, 2023 December 31, 2022 (unaudited) Notional Amount Fair Value Notional Amount Fair Value Assets (Liabilities): Interest rate commitments $ 1,587 $ - $ 3,940 $ - TBA mortgage-back securities - - - - The following table represents the notional amount of loans sold during the three months ended March 31, 2023 and 2022 (unaudited): Three Months ended March 31, 2023 2022 Notional amount of loans sold $ 1,991 $ 85,180 The following table represents the revenue recognized on mortgage activities for the three months ended March 31, 2023 and 2022 (unaudited): Three Months ended March 31, 2023 2022 Gain (loss) on loans sold ( 3 ) 61 Gain (loss) from change in fair value of loans held-for-sale - ( 448 ) Gain (loss) from change in fair value of derivatives - 944 $ ( 3 ) $ 557

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2023
Income Taxes [Abstract]
Income Taxes	NOTE 12 – INCOME TAXES At March 31, 2023, the Company had a deferred tax asset recorded in the amount of approximately $ 4,399 . At December 31, 2022, the Company had a deferred tax asset recorded of approximately $ 4,330 . At March 31, 2023 and December 31, 2022, 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 March 31, 2023 that no valuation allowance was required against the net deferred tax asset. In 2012, the Company completed a recapitalization program pursuant to which the Holding Company sold $ 22,500 in common stock, which 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 March 31, 2023, 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 is more likely than not that $ 20,520 of net operating loss carryforwards will expire unutilized. As required by accounting standards, the Company reduced the carrying value of deferred tax assets, and the corresponding valuation allowance, by the $ 6,977 tax effect of this lost realizability. Federal income tax laws provided additional deductions, totaling $ 2,250 , for thrift bad debt reserves established before 1988. Accounting standards do not require a deferred tax liability to be recorded on this amount, which otherwise would have totaled $ 473 at March 31, 2023. 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. The Company records income tax expense based on the federal statutory rate adjusted for the effect of low income housing credits, bank owned life insurance, dividends on equity securities and other miscellaneous items. The effective tax rate was approximately 19.5 % and 18.5 % three ended March 31, 2023 and March 31, 2022, which management believes were reasonable estimates for the effective tax rates for such periods. The following table summarizes the major components creating differences between income taxes at the federal statutory tax rate and the effective tax rate recorded in the consolidated statements of income for the three months ended March 31, 2023 and 2022: For the three months ended March 31, 2023 2022 (unaudited) Statutory tax rate 21.0 % 21.0 % Increase (decrease) resulting from: Restricted stock ( 0.3 %) ( 0.9 %) Tax exempt earnings on bank owned life insurance ( 0.6 %) ( 0.6 %) Dividends on equity securities ( 0.2 %) ( 0.2 %) Low income housing credits ( 0.5 %) ( 0.8 %) Other, net 0.1 % 0.0% Effective tax rate 19.5 % 18.5 %

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	NOTE 13- ACCUMULATED OTHER COMPREHENSIVE LOSS The following table summarizes the changes within each classification of accumulated other comprehensive loss, net of tax, for the three months ended March 31, 2023 and 2022 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive loss: Changes in Accumulated Other Comprehensive Loss by Component (1) Three months ended March 31, 2023 2022 (unaudited) Unrealized Gains and Losses on Available-for-Sale Securities Accumulated other comprehensive loss, beginning of period $ ( 2,037 ) $ ( 170 ) Other comprehensive loss before reclassifications (2) ( 216 ) ( 1,050 ) Net current-period other comprehensive loss ( 216 ) ( 1,050 ) Accumulated other comprehensive loss, end of period $ ( 2,253 ) $ ( 1,220 ) (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no am ounts reclassified out of other comprehensive income for the three months ended March 31, 2023 and 2022.

Other Assets Held For Sale

Other Assets Held For Sale	3 Months Ended
	Mar. 31, 2023
Other Assets Held For Sale [Abstract]
Other Assets Held For Sale	NOTE 14- 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.

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policy)	3 Months Ended
	Mar. 31, 2023
Summary Of Significant Accounting Policies [Abstract]
Basis Of Presentation	Basis of Presentation : The consolidated financial statements include CF Bankshares Inc. (the “Holding Company”) and its wholly-owned subsidiary, CFBank, National Association (“CFBank”). The Holding Company and CFBank are sometimes collectively referred to herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2023 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC. Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2022 Annual Report to Stockholders included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 (referred to herein as the “2022 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q.
Allowance For Credit Losses On Investment Securities Available For Sale	Allowance for credit losses on investment securities available for sale: For investment securities available for sale in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For investment securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded, limited by the amount that the fair value is less than the amortized cost basis. Unrealized losses that have not been recorded through an allowance for credit losses are recognized in other comprehensive income. Adjustments to the allowance for credit losses are reported in the income statement as a component of the provision for credit loss. The Company has made the accounting policy election to exclude accrued interest receivable on investment securities available for sale from the estimate of credit losses. Investment securities available for sale are charged off against the allowance or, in the absence of any allowance, written down through the income statement when deemed uncollectible or when either of the aforementioned criteria regarding intent or requirement to sell is met. The Company did not record an allowance for credit losses on its investment securities available for sale as the unrealized losses were attributable to changes in interest rates, not credit quality.
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 credit losses on loans and leases. 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 status is reversed against interest income in the period in which it is placed on 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.
Allowance For Credit Losses - Loans ("ACL - Loans")	Allowance for Credit Losses - Loans ("ACL - Loans"): The ACL - Loans is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on loans over the contractual term. Loans are charged off against the allowance when the uncollectibility of the loan is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Adjustments to the ACL- Loans are reported in the income statement as a component of provision for credit loss. The Company has made the accounting policy election to exclude accrued interest receivable on loans from the estimate of credit losses. Further information regarding the policies and methodology used to estimate the ACL - Loans is detailed in Note 4- Loans and Leases to the Consolidated Financial Statements.
Allowance For Credit Losses - Off-Balance Sheet Credit Exposures	Allowance for Credit Losses - Off-Balance Sheet Credit Exposures: The allowance for credit losses on off-balance sheet credit exposures is a liability account representing expected credit losses over the contractual period for which the Company is exposed to credit risk resulting from a contractual obligation to extend credit. No allowance is recognized if the Company has the unconditional right to cancel the obligation. Off-balance sheet credit exposures primarily consist of amounts available under outstanding lines of credit and letters of credit. For the period of exposure, the estimate of expected credit losses considers both the likelihood that funding will occur and the amount expected to be funded over the estimated remaining life of the commitment or other off-balance sheet exposure. The likelihood and expected amount of funding are based on historical utilization rates. The amount of the allowance represents management's best estimate of expected credit losses on commitments expected to be funded over the contractual life of the commitment. The allowance for off-balance sheet credit exposures is adjusted through the income statement as a component of provision for credit loss.
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. The Company uses 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.
Low Income Housing Tax Credits (LIHTC)	Low Income Housing Tax Credits (LIHTC): CFBank has invested in low income housing tax credits 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 LITC. These investments are accounted for under the proportional amortization method which recognizes the amortization of the investment in proportion to the tax credit and other tax benefits received.
Earnings Per Common Share	Earnings Per Common Share: The following table sets forth the computation of basic and diluted earnings per share: Three months ended March 31, 2023 2022 (unaudited) Basic Net income $ 4,448 $ 4,518 Weighted average common shares outstanding including unvested share-based payment awards 6,535,946 6,505,710 Less: Unvested share-based payment awards-2019 Plan ( 133,090 ) ( 87,829 ) Average shares 6,402,856 6,417,881 Basic earnings per common share $ 0.69 $ 0.70 Diluted Net income $ 4,448 $ 4,518 Weighted average common shares outstanding for basic earnings per common share 6,402,856 6,417,881 Add: Dilutive effects of assumed exercises of stock options 6,752 42,670 Add: Dilutive effects of unvested share-based payment awards-2019 Plan 133,090 87,829 Average shares and dilutive potential common shares 6,542,698 6,548,380 Diluted earnings per common share $ 0.68 $ 0.69
Dividend Restrictions	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 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 notes, 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 notes.
Recent Accounting Changes Adopted In 2023	Recent Accounting Changes Adopted in 2023: 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 required 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 historically are still permitted, although the inputs to those techniques will reflect the full amount of expected credit losses. Organizations continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU required 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 amended the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU was effective for The Company on January 1, 2023. 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 allowance for credit losses: 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 was utilized as the historical loss period due to its inclusion of several economic cycles and relevance to real estate secured assets. Upon implementation of the ASU, the expected loss estimate is 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 was a one-time cumulative-effect adjustment increasing our reserves for loans and unfunded commitments by $ 49 . 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 did not have any material changes to its business practices as a result of implementing the ASU. In March 2022, the FASB issued ASU 2022-02 "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." This ASU eliminated the accounting guidance on troubled debt restructurings for creditors in ASC 310-40 and required 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 added enhanced disclosures for creditors with respect to loan refinancings and restructurings for borrowers experiencing financial difficulty. The amended guidance also required disclosure of current period gross charge-offs by year of origination within the vintage disclosures required by ASC 326. The Company adopted ASU 2022-02 on January 1, 2023.
Future Accounting Matters	Future Accounting Matters: 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, 2024, as extended by ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 . 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.
General Litigation	General Litigation The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. In the opinion of management, the disposition or ultimate resolution of such claims and lawsuits is not anticipated to have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2023
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Common Share	Three months ended March 31, 2023 2022 (unaudited) Basic Net income $ 4,448 $ 4,518 Weighted average common shares outstanding including unvested share-based payment awards 6,535,946 6,505,710 Less: Unvested share-based payment awards-2019 Plan ( 133,090 ) ( 87,829 ) Average shares 6,402,856 6,417,881 Basic earnings per common share $ 0.69 $ 0.70 Diluted Net income $ 4,448 $ 4,518 Weighted average common shares outstanding for basic earnings per common share 6,402,856 6,417,881 Add: Dilutive effects of assumed exercises of stock options 6,752 42,670 Add: Dilutive effects of unvested share-based payment awards-2019 Plan 133,090 87,829 Average shares and dilutive potential common shares 6,542,698 6,548,380 Diluted earnings per common share $ 0.68 $ 0.69

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2023
Securities [Abstract]
Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 (unaudited) Corporate debt $ 9,979 $ - $ 2,779 $ 7,200 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,520 - 72 2,448 Mortgage-backed securities - residential (1) 13 - - 13 Total $ 12,512 $ - $ 2,851 $ 9,661 (1) Unrealized loss is less than $1 resulting in rounding to zero. 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
Securities Classified By Maturity Date	March 31, 2023 December 31, 2022 (unaudited) Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 2,010 $ 1,964 $ 2,001 $ 1,961 Due from one to five years 510 484 1,024 964 Due from five to ten years 9,979 7,200 9,978 7,500 Mortgage-backed securities - residential 13 13 17 17 Total $ 12,512 $ 9,661 $ 13,020 $ 10,442
Fair Value Of Securities Pledged	March 31, 2023 December 31, 2022 (unaudited) Pledged as collateral for: FHLB advances $ 975 $ 967 Public deposits 484 479 Total $ 1,459 $ 1,446
Securities With Unrealized Losses	March 31, 2023 (unaudited) Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ 7,200 $ 2,779 $ 7,200 $ 2,779 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury - - 2,448 72 2,448 72 Mortgage-backed securities - residential (1) 13 - - - 13 - Total temporarily impaired $ 13 $ - $ 9,648 $ 2,851 $ 9,661 $ 2,851 (1) Unrealized loss is less than $ 1 resulting in rounding to zero. 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.

Loans And Leases (Tables)

Loans And Leases (Tables)	3 Months Ended
	Mar. 31, 2023
Loans And Leases [Abstract]
Recorded Investment In Loans By Portfolio Segment	March 31, 2023 December 31, 2022 (unaudited) Commercial (1) $ 430,264 $ 427,423 Real estate: Single-family residential 474,082 465,057 Multi-family residential 109,659 104,148 Commercial 391,658 375,092 Construction 188,356 184,122 Consumer: Home equity lines of credit 36,567 30,748 Other 1,412 1,727 Subtotal 1,631,998 1,588,317 Less: ACL – Loans ( 15,915 ) ( 16,062 ) Loans and leases, net $ 1,616,083 $ 1,572,255 (1) Includes $ 19,317 and $ 20,768 of commercial leases at March 31, 2023 and December 31, 2022, respectively.
Activity In ALLL By Portfolio Segment	Three Months Ended March 31, 2023 (unaudited) Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home equity lines of credit Other Total Allowance for credit losses Balances, December 31, 2022 $ 4,764 $ 3,914 $ 997 $ 3,384 $ 2,644 $ 333 $ 26 $ 16,062 Impact of adoption ASC 326 877 ( 958 ) 66 726 ( 1,019 ) ( 129 ) 28 ( 409 ) Balances, January 1, 2023 Post-ASC 326 adoption 5,641 2,956 1,063 4,110 1,625 204 54 15,653 Provision of credit losses ( 198 ) 235 ( 18 ) 13 54 127 54 267 Recoveries on loans - 3 - - - - - 3 Loans charged off ( 5 ) - - - - - ( 3 ) ( 8 ) Balances, March 31, 2023 $ 5,438 $ 3,194 $ 1,045 $ 4,123 $ 1,679 $ 331 $ 105 $ 15,915
Activity In ALLL Under Prior GAAP	Three months ended March 31, 2022 (unaudited) 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 300 150 ( 40 ) ( 400 ) - - ( 10 ) - Charge-offs - - - - - - - - Recoveries - 8 - - - 4 - 12 Ending balance $ 4,427 $ 3,506 $ 787 $ 4,634 $ 1,744 $ 276 $ 146 $ 15,520
Schedule Of Collateral-Dependent Loans By Loan Segment	March 31, 2023 Residential Real Estate Other Total Allowance on Collateral Dependent Loans Commercial $ - $ 80 $ 80 $ - Real estate: Single-family residential 638 - 638 - Total nonaccrual loans $ 638 $ 80 $ 718 $ -
Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method	The table below presents the amortized cost basis of collateral dependent loans by loan class and their respective collateral types, which are individually evaluated to determine expected credit losses. March 31, 2023 Residential Real Estate Other Total Allowance on Collateral Dependent Loans Commercial $ - $ 80 $ 80 $ - Real estate: Single-family residential 638 - 638 - Total nonaccrual loans $ 638 $ 80 $ 718 $ - The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 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
Individually Evaluated For Impairment By Class Of Loans	Three months ended As of December 31, 2022 March 31, 2022 (unaudited) Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial: Owner occupied $ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 371 80 - 165 1 Real estate: Single-family residential (1) 95 95 - 99 1 Commercial: Non-owner occupied - - - 1,399 17 Total with an allowance recorded 466 175 - 1,663 19 Total $ 466 $ 175 $ - $ 1,663 $ 19 (1) Allowance recorded in an amount less than $ 1 has been rounded down to zero.
Recorded Investment In Nonaccrual and Nonperforming Loans By Class Of Loans	The following table presents the recorded investment in non-accrual loans by class of loans at March 31, 2023 (unaudited): Non-Accrual Loans Non-Accrual loans with no Allowance for Credit Losses Commercial $ 80 $ 80 Real estate: Single-family residential 638 638 Total nonaccrual loans $ 718 $ 718 The following table presents the recorded investment in nonperforming loans by class of loans at December 31, 2022: December 31, 2022 Loans past due over 90 days still on accrual $ - Nonaccrual loans: Commercial 99 Real estate: Single-family residential 641 Consumer: Home equity lines of credit: Originated for portfolio 18 Purchased for portfolio 3 Total nonaccrual 761 Total nonaccrual and nonperforming loans $ 761
Aging Of Recorded Investment In Past Due Loans By Class Of Loans	The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of March 31, 2023 (unaudited): 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ 301 $ - $ 80 $ 381 $ 429,883 $ - Real estate: Single-family residential - - 564 564 473,518 74 Multi-family residential - - - - 109,659 - Commercial: Non-owner occupied - - - - 182,252 - Owner occupied - - - - 178,629 - Land - - - - 30,777 - Construction - - - - 188,356 - Consumer: Home equity lines of credit: Originated for portfolio 28 - - 28 36,539 - Purchased for portfolio - - - - - - Other - - - - 1,412 - Total $ 329 $ - $ 644 $ 973 $ 1,631,025 $ 74 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
Nonaccrual Loans As Troubled Debt Restructuring	December 31, 2022 Commercial $ 80 Total $ 80
Recorded Investment In Loans By Risk Category And Class Of Loans	The following table summarizes the risk grading of the Company’s loan portfolio by loan class and by year of origination for the years indicated. Consumer and Single-family residential loans are not risk graded. For purposes of this disclosure, those loans are classified in the following manner: loans that are less than 89 days past due and accruing are performing and loans greater that 89 days past due or in nonaccrual are nonperforming loans. Term Loans (amortized cost basis by origination year) (unaudited) 2023 2022 2021 2020 2019 Prior Revolving loans amortized cost basis Revolving loans converted to term Total Commercial and Industrial Pass $ 22,079 $ 99,936 $ 104,776 $ 49,138 $ 6,298 $ 13,424 $ 129,905 $ - $ 425,556 Doubtful - - 4,628 - - 80 - - 4,708 Total Commercial and industrial loans 22,079 99,936 109,404 49,138 6,298 13,504 129,905 - 430,264 Current period gross charge-offs - - 5 - - - - - 5 Real estate loans: Single-family residential Payment performance Performing 15,362 137,473 243,617 47,787 10,505 18,700 473,444 Nonperforming - - - - - 638 - - 638 Total Single-family residential loans 15,362 137,473 243,617 47,787 10,505 19,338 - - 474,082 Multi-family residential Pass 4,806 8,840 51,062 7,389 15,945 21,617 - - 109,659 Total Multi-family residential loans 4,806 8,840 51,062 7,389 15,945 21,617 - - 109,659 Commercial: Non-owner occupied Pass 12,839 26,149 48,185 15,716 20,610 56,388 948 - 180,835 Special Mention - - - - 514 903 - - 1,417 Total Non-owner occupied loans 12,839 26,149 48,185 15,716 21,124 57,291 948 - 182,252 Owner occupied Pass 4,673 57,194 56,762 20,540 19,353 19,344 70 - 177,936 Special Mention - - - - 693 - - - 693 Total Owner occupied loans 4,673 57,194 56,762 20,540 20,046 19,344 70 - 178,629 Land Pass 1,138 8,391 18,221 2,030 263 636 98 - 30,777 Total Land loans 1,138 8,391 18,221 2,030 263 636 98 - 30,777 Construction Pass 4,937 65,953 94,773 8,938 - 213 13,542 - 188,356 Total Construction loans 4,937 65,953 94,773 8,938 - 213 13,542 - 188,356 Consumer: Home equity lines of credit: Payment performance Performing - - - - - - 36,198 369 36,567 Nonperforming - - - - - - - - - Total Home equity lines of credit - - - - - - 36,198 369 36,567 Other Payment performance Performing - - - 15 - 315 1,082 - 1,412 Nonperforming - - - - - - - - - Total Other consumer loans - - - 15 - 315 1,082 - 1,412 Current period gross charge-offs - - - - - 3 - - 3 Total loans $ 65,834 $ 403,936 $ 622,024 $ 151,553 $ 74,181 $ 132,258 $ 181,843 $ 369 $ 1,631,998 Total current period gross charge-offs $ - $ - $ 5 $ - $ - $ 3 $ - $ - $ 8 The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2022 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
Components Of Net Investment In Direct Financing Leases	March 31, 2023 December 31, 2022 (unaudited) Total minimum lease payments to be received $ 20,855 $ 22,533 Less: Unearned income ( 1,567 ) ( 1,798 ) Plus: Indirect initial costs 29 33 Net investment in direct financing leases $ 19,317 $ 20,768
Summary Of Future Minimum Lease Payments Receivable	2023, excluding the three months ended March 31, 2023 $ 5,181 2024 6,358 2025 5,640 2026 3,000 2027 626 Thereafter 50 Total future minimum payments $ 20,855

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Future Minimum Operating Lease Payments	2023, excluding the three months ended March 31, 2023 $ 807 2024 1,001 2025 761 2026 677 2027 627 Thereafter 4,025 Total future minimum rental commitments 7,898 Less - amounts representing interest ( 2,326 ) Total operating lease liabilities $ 5,572

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2023
Fair Value [Abstract]
Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities	Fair Value Measurements at March 31, 2023 using Significant Other Observable Inputs (Level 2) (unaudited) Financial Assets: Securities available for sale: Corporate debt $ 7,200 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 2,448 Mortgage-backed securities - residential 13 Total securities available for sale $ 9,661 Loans held for sale $ 591 Derivative assets $ 3,576 Financial Liabilities: Derivative liabilities $ 3,576 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
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 Total impaired loans $ 80
Aggregate Fair Value, Contractual Balance And Gain Or Loss	March 31, 2023 December 31, 2022 (unaudited) Aggregate fair value $ 591 $ 580 Contractual balance 591 580 Gain (loss) $ - $ -
Total Amount Of Gains And Losses From Changes In Fair Value Included In Earnings	Three months ended March 31, 2023 2022 (unaudited) Interest income $ 3 $ 172 Interest expense - - Change in fair value - ( 448 ) Total change in fair value $ 3 $ ( 276 )
Carrying Amounts And Estimated Fair Values Of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at March 31, 2023 were as follows: Fair Value Measurements at March 31, 2023 Using: Carrying (unaudited) Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 214,248 $ 214,248 $ - $ - $ 214,248 Interest-bearing deposits in other financial institutions 100 100 - - 100 Securities available for sale 9,661 - 9,661 - 9,661 Equity Securities 5,000 - 5,000 - 5,000 Loans held for sale 591 - 591 - 591 Loans and leases, net 1,616,083 - - 1,597,725 1,597,725 FHLB and FRB stock 9,203 n/a n/a n/a n/a Accrued interest receivable 6,782 203 169 6,410 6,782 Other assets held for sale 1,930 - - 1,930 1,930 Derivative assets 3,576 - 3,576 - 3,576 Financial liabilities Deposits $ ( 1,603,841 ) $ ( 1,024,466 ) $ ( 570,941 ) $ - $ ( 1,595,407 ) FHLB advances and other borrowings ( 136,970 ) - ( 138,365 ) - ( 138,365 ) Advances by borrowers for taxes and insurance ( 2,132 ) - - ( 2,132 ) ( 2,132 ) Subordinated debentures ( 14,932 ) - ( 14,996 ) - ( 14,996 ) Accrued interest payable ( 1,663 ) - ( 1,663 ) - ( 1,663 ) Derivative liabilities ( 3,576 ) - ( 3,576 ) - ( 3,576 ) The carrying amounts and estimated fair values of financial instruments at December 31, 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 borrowings ( 109,461 ) - ( 105,718 ) - ( 105,718 ) 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 )

FHLB Advances And Other Debt (T

FHLB Advances And Other Debt (Tables)	3 Months Ended
	Mar. 31, 2023
FHLB Advances And Other Debt [Abstract]
Schedule Of FHLB Advances And Other Debt	Weighted Average Rate March 31, 2023 December 31, 2022 (unaudited) Variable Rate Advances Maturities less than 30 days 4.84 % $ 27,000 $ - FHLB fixed rate advances: Maturities: 2023 - 3,500 2024 1.46 % 18,500 18,500 2026 1.45 % 16,000 16,000 2027 3.88 % 12,500 12,500 2028 1.69 % 17,000 - Thereafter 3.94 % 12,500 29,500 Total FHLB fixed rate advances 76,500 80,000 Variable rate other debt: Holding Company credit facility 3.85 % 33,470 29,461 Total $ 136,970 $ 109,461

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2023
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 11,089 $ 7.63 Exercised - - Expired - - Cancelled or forfeited - - Outstanding at end of period 11,089 $ 7.63 0.6 $ 132 Exercisable at end of period 11,089 $ 7.63 0.6 $ 132
Summary Of Changes In Company's Nonvested Restricted Shares	Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2023 112,413 $ 19.35 Granted 58,784 20.20 Vested ( 31,177 ) 18.96 Forfeited ( 2,170 ) 19.61 Nonvested at March 31, 2020 137,850 $ 19.79

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023 (unaudited) Total Capital to risk weighted assets $ 198,745 12.93 % $ 161,426 10.50 % $ 153,739 10.00 % Tier 1 (Core) Capital to risk weighted assets 181,998 11.84 % 130,678 8.50 % 122,992 8.00 % Common equity tier 1 capital to risk-weighted assets 181,998 11.84 % 107,618 7.00 % 99,931 6.50 % Tier 1 (Core) Capital to adjusted total assets (Leverage ratio) 181,998 10.02 % 72,676 4.00 % 90,845 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, 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 %

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2023
Derivative Instruments [Abstract]
Summary Of Derivative Instruments	March 31, 2023 December 31, 2022 (unaudited) Notional amount $ 41,702 $ 42,177 Weighted average pay rate on interest-rate swaps 4.34 % 4.34 % Weighted average receive rate on interest-rate swaps 6.69 % 6.21 % Weighted average maturity (years) 7.4 7.7 Fair value of derivative asset $ 3,576 $ 4,233 Fair value of yield derivative liability ( 3,576 ) ( 4,233 )
Schedule Of Mortgage Banking Derivatives	March 31, 2023 December 31, 2022 (unaudited) Notional Amount Fair Value Notional Amount Fair Value Assets (Liabilities): Interest rate commitments $ 1,587 $ - $ 3,940 $ - TBA mortgage-back securities - - - -
Schedule Of Notional Amount Of Loans Sold	Three Months ended March 31, 2023 2022 Notional amount of loans sold $ 1,991 $ 85,180
Schedule Of Revenue Recognized On Mortgage Activities	Three Months ended March 31, 2023 2022 Gain (loss) on loans sold ( 3 ) 61 Gain (loss) from change in fair value of loans held-for-sale - ( 448 ) Gain (loss) from change in fair value of derivatives - 944 $ ( 3 ) $ 557

Income Taxes (Tables)

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2023
Income Taxes [Abstract]
Effective Tax Rates Differ From Federal Statutory Rate	For the three months ended March 31, 2023 2022 (unaudited) Statutory tax rate 21.0 % 21.0 % Increase (decrease) resulting from: Restricted stock ( 0.3 %) ( 0.9 %) Tax exempt earnings on bank owned life insurance ( 0.6 %) ( 0.6 %) Dividends on equity securities ( 0.2 %) ( 0.2 %) Low income housing credits ( 0.5 %) ( 0.8 %) Other, net 0.1 % 0.0% Effective tax rate 19.5 % 18.5 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Schedule Of Accumulated Other Comprehensive Income	Changes in Accumulated Other Comprehensive Loss by Component (1) Three months ended March 31, 2023 2022 (unaudited) Unrealized Gains and Losses on Available-for-Sale Securities Accumulated other comprehensive loss, beginning of period $ ( 2,037 ) $ ( 170 ) Other comprehensive loss before reclassifications (2) ( 216 ) ( 1,050 ) Net current-period other comprehensive loss ( 216 ) ( 1,050 ) Accumulated other comprehensive loss, end of period $ ( 2,253 ) $ ( 1,220 ) (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no am ounts reclassified out of other comprehensive income for the three months ended March 31, 2023 and 2022.

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Significant Accounting Policies [Line Items]
Provision for credit losses-unfunded commitments	$ (30)
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Significant Accounting Policies [Line Items]
Provision for credit losses-unfunded commitments	$ 49

Summary Of Significant Accoun_5

Summary Of Significant Accounting Policies (Earnings Per Common Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Basic
Net income	$ 4,448	$ 4,518
Weighted average common shares outstanding including unvested share-based payment awards	6,535,946	6,505,710
Less: Unvested share-based payment awards-2019 Plan	(133,090)	(87,829)
Average shares	6,402,856	6,417,881
Basic earnings per common share	$ 0.69	$ 0.70
Diluted
Net income	$ 4,448	$ 4,518
Weighted average common shares outstanding for basic earnings per common share	6,402,856	6,417,881
Add: Dilutive effects of assumed exercises of stock options	6,752	42,670
Add: Dilutive effects of unvested share-based payment awards-2019 Plan	133,090	87,829
Average shares and dilutive potential common shares	6,542,698	6,548,380
Diluted earnings per common share	$ 0.68	$ 0.69

Securities (Narrative) (Details

Securities (Narrative) (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2023 USD ($) security	Mar. 31, 2022 USD ($)	Dec. 31, 2022 security
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment | $	$ 0	$ 0
Sales of securities | $	$ 0	$ 0
Holdings of securities greater than 10% of stockholders' equity	0		0
Minimum percentage of securities held	10%		10%
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities	1		1
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities	2		2

Securities (Amortized Cost And

Securities (Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 12,512	$ 13,020
Gross Unrealized Losses	2,851	2,578
Fair Value	9,661	10,442
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,979	9,978
Gross Unrealized Losses	2,779	2,478
Fair Value	7,200	7,500
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,520	3,025
Gross Unrealized Losses	72	100
Fair Value	2,448	2,925
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	13	17
Gross Unrealized Losses
Fair Value	$ 13	$ 17

Securities (Securities Classifi

Securities (Securities Classified By Maturity Date) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 2,010	$ 2,001
Due from one to five years, Amortized Cost	510	1,024
Due from five to ten years, Amortized Cost	9,979	9,978
Amortized Cost	12,512	13,020
Due in one year or less, Fair Value	1,964	1,961
Due from one to five years, Fair Value	484	964
Due from five to ten years, Fair Value	7,200	7,500
Fair Value	9,661	10,442
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	13	17
Fair Value	$ 13	$ 17

Securities (Fair Value Of Secur

Securities (Fair Value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value	$ 1,459	$ 1,446
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	975	967
Deposits [Member]
Financial Instruments Owned and Pledged as Collateral [Line Items]
Security Owned and Pledged as Collateral, Associated Liabilities, Fair Value	$ 484	$ 479

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 13	$ 1,499
Less than 12 Months, Unrealized Loss		19
12 Months or More, Fair Value	9,648	8,943
12 Months or More, Unrealized Loss	2,851	2,559
Total, Fair Value	9,661	10,442
Total, Unrealized Loss	2,851	2,578
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
12 Months or More, Fair Value	7,200	7,500
12 Months or More, Unrealized Loss	2,779	2,478
Total, Fair Value	7,200	7,500
Total, Unrealized Loss	2,779	2,478
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value		1,482
Less than 12 Months, Unrealized Loss		19
12 Months or More, Fair Value	2,448	1,443
12 Months or More, Unrealized Loss	72	81
Total, Fair Value	2,448	2,925
Total, Unrealized Loss	72	100
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	13	17
12 Months or More, Fair Value
12 Months or More, Unrealized Loss
Total, Fair Value	13	17
Maximum [Member] | Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Total, Unrealized Loss	$ 1	$ 1

Loans And Leases (Narrative) (D

Loans And Leases (Narrative) (Details)	3 Months Ended
	Mar. 31, 2023 USD ($) contract	Mar. 31, 2022 USD ($) loan	Dec. 31, 2022 USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans and leases	$ 1,616,083,000		$ 1,572,255,000
Cash payments of interest		$ 30,000
Loans 90 days or more past due and still accruing interest
Number of loans modified as a TDR	0	0
Total TDR's			175,000
Allocated specific reserves to modified TDRs			0
Customers Established Sustained Period of Repayment Performance [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's			95,000
Commercial Portfolio Segment [Member] | Paycheck Protection Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans and leases	$ 50,000
Maturity term	2 years
Stated interest rate	1%
Loans pledged as collateral	$ 0		$ 0

Loans And Leases (Recorded Inve

Loans And Leases (Recorded Investment In Loans By Portfolio Segment) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	$ 1,631,998	$ 1,588,317
Less: ALLL	(15,915)	(16,062)
Loans and leases, net	1,616,083	1,572,255
Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	430,264	427,423
Less: ALLL	(5,438)	(4,764)
Single-Family Residential [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	474,082	465,057
Less: ALLL	(3,194)	(3,914)
Multi-Family Residential [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	109,659	104,148
Less: ALLL	(1,045)	(997)
Commercial [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	391,658	375,092
Less: ALLL	(4,123)	(3,384)
Construction [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	188,356	184,122
Less: ALLL	(1,679)	(2,644)
Home Equity Lines Of Credit [Member] | Consumer Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	36,567	30,748
Less: ALLL	(331)	(333)
Other [Member] | Consumer Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	1,412	1,727
Less: ALLL	(105)	(26)
Commercial Leases [Member] | Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	$ 19,317	$ 20,768

Loans And Leases (Activity In A

Loans And Leases (Activity In ALLL By Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 16,062
Provision of credit losses	267
Recoveries on loans	3
Loans charged off	(8)
Ending Balance	15,915	$ 16,062
Accounting Standards Update [Extensible Enumeration]		Accounting Standards Update201613 [Member]
Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	(409)
Ending Balance		$ (409)
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	15,653
Ending Balance		15,653
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	4,764
Provision of credit losses	(198)
Loans charged off	(5)
Ending Balance	5,438	4,764
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	877
Ending Balance		877
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	5,641
Ending Balance		5,641
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	3,914
Provision of credit losses	235
Recoveries on loans	3
Ending Balance	3,194	3,914
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	(958)
Ending Balance		(958)
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,956
Ending Balance		2,956
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	997
Provision of credit losses	(18)
Ending Balance	1,045	997
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	66
Ending Balance		66
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	1,063
Ending Balance		1,063
Real Estate Portfolio Segment [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	3,384
Provision of credit losses	13
Ending Balance	4,123	3,384
Real Estate Portfolio Segment [Member] | Commercial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	726
Ending Balance		726
Real Estate Portfolio Segment [Member] | Commercial [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	4,110
Ending Balance		4,110
Real Estate Portfolio Segment [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,644
Provision of credit losses	54
Ending Balance	1,679	2,644
Real Estate Portfolio Segment [Member] | Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	(1,019)
Ending Balance		(1,019)
Real Estate Portfolio Segment [Member] | Construction [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	1,625
Ending Balance		1,625
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	333
Provision of credit losses	127
Ending Balance	331	333
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	(129)
Ending Balance		(129)
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	204
Ending Balance		204
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	26
Provision of credit losses	54
Loans charged off	(3)
Ending Balance	105	26
Consumer Portfolio Segment [Member] | Other [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	28
Ending Balance		28
Consumer Portfolio Segment [Member] | Other [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 54
Ending Balance		$ 54

Loans And Leases (Activity In_2

Loans And Leases (Activity In ALLL Under Prior GAAP) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 15,508
Addition to (reduction in) provision for loan losses
Charge-offs
Recoveries	12
Ending balance	15,520
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	4,127
Addition to (reduction in) provision for loan losses	300
Charge-offs
Recoveries
Ending balance	4,427
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,348
Addition to (reduction in) provision for loan losses	150
Charge-offs
Recoveries	8
Ending balance	3,506
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	827
Addition to (reduction in) provision for loan losses	(40)
Charge-offs
Recoveries
Ending balance	787
Real Estate Portfolio Segment [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	5,034
Addition to (reduction in) provision for loan losses	(400)
Charge-offs
Recoveries
Ending balance	4,634
Real Estate Portfolio Segment [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,744
Addition to (reduction in) provision for loan losses
Charge-offs
Recoveries
Ending balance	1,744
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	272
Addition to (reduction in) provision for loan losses
Charge-offs
Recoveries	4
Ending balance	276
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	156
Addition to (reduction in) provision for loan losses	(10)
Charge-offs
Recoveries
Ending balance	$ 146

Loans And Leases (Schedule Of C

Loans And Leases (Schedule Of Collateral-Dependent Loans By Loan Segment) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	$ 1,631,998	$ 1,588,317
Loans, allowance	15,915	16,062
Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	718
Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	430,264	427,423
Loans, allowance	5,438	4,764
Commercial Portfolio Segment [Member] | Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	80
Commercial Portfolio Segment [Member] | Other [Member] | Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	80
Real Estate Portfolio Segment [Member] | Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	638
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	474,082	465,057
Loans, allowance	3,194	$ 3,914
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	638
Real Estate Portfolio Segment [Member] | Residential Real Estate [Member] | Collateral-Dependent [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans, gross	$ 638

Loans And Leases (Balance In AL

Loans And Leases (Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		$ 16,062
Total ending allowance balance	$ 15,915	16,062
Individually evaluated for impairment		175
Collectively evaluated for impairment		1,588,142
Total Loans	1,631,998	1,588,317
Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		4,764
Total ending allowance balance	5,438	4,764
Individually evaluated for impairment		80
Collectively evaluated for impairment		427,343
Total Loans	430,264	427,423
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		3,914
Total ending allowance balance	3,194	3,914
Individually evaluated for impairment		95
Collectively evaluated for impairment		464,962
Total Loans	474,082	465,057
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		997
Total ending allowance balance	1,045	997
Collectively evaluated for impairment		104,148
Total Loans	109,659	104,148
Real Estate Portfolio Segment [Member] | Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		3,384
Total ending allowance balance	4,123	3,384
Collectively evaluated for impairment		375,092
Total Loans	391,658	375,092
Real Estate Portfolio Segment [Member] | Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		2,644
Total ending allowance balance	1,679	2,644
Collectively evaluated for impairment		184,122
Total Loans	188,356	184,122
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		333
Total ending allowance balance	331	333
Collectively evaluated for impairment		30,748
Total Loans	36,567	30,748
Consumer Portfolio Segment [Member] | Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Collectively evaluated for impairment		26
Total ending allowance balance	105	26
Collectively evaluated for impairment		1,727
Total Loans	$ 1,412	$ 1,727

Loans And Leases (Individually

Loans And Leases (Individually Evaluated For Impairment By Class Of Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With an allowance recorded			$ 466
Unpaid Principal Balance, Total			466
Recorded Investment, With an allowance recorded			175
Recorded Investment, Total			175
Average Recorded Investment, With an allowance recorded	$ 1,663
Average Recorded Investment, Total	1,663
Interest Income Recognized, With an allowance recorded	19
Interest Income Recognized, Total	19
Maximum [Member]
Financing Receivable, Impaired [Line Items]
Allowance rounded down to zero		$ 1
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With an allowance recorded			371
Recorded Investment, With an allowance recorded			80
Average Recorded Investment, Total	165
Interest Income Recognized, With an allowance recorded	1
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance, With an allowance recorded			95
Recorded Investment, With an allowance recorded			$ 95
Average Recorded Investment, Total	99
Interest Income Recognized, With an allowance recorded	1
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, Total	1,399
Interest Income Recognized, With an allowance recorded	$ 17

Loans And Leases (Recorded In_2

Loans And Leases (Recorded Investment In Nonaccrual and Nonperforming Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due over 90 days still on accrual
Non-Accrual Loans	718	761
Non-Accrual loans with no Allowance for Credit Losses	718
Total nonaccrual and nonperforming loans		761
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	80	99
Non-Accrual loans with no Allowance for Credit Losses	80
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	638	641
Non-Accrual loans with no Allowance for Credit Losses	$ 638
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans		18
Consumer Portfolio Segment [Member] | Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans		$ 3

Loans And Leases (Aging Of Reco

Loans And Leases (Aging Of Recorded Investment In Past Due Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	$ 1,631,998	$ 1,588,317
Nonaccrual Loans	718	761
Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	973	2,100
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	329	1,250
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		167
Not > 90 days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans	74	78
Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	644	683
Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	1,631,025	1,586,217
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	430,264	427,423
Nonaccrual Loans	80	99
Commercial Portfolio Segment [Member] | Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	381	354
Commercial Portfolio Segment [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	301	255
Commercial Portfolio Segment [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	80	99
Commercial Portfolio Segment [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	429,883	427,069
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	474,082	465,057
Nonaccrual Loans	638	641
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	564	1,696
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		966
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		167
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Not > 90 days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans	74	78
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	564	563
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	473,518	463,361
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	109,659	104,148
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	109,659	104,148
Real Estate Portfolio Segment [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	391,658	375,092
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	182,252	169,686
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	182,252	169,686
Real Estate Portfolio Segment [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	178,629	172,698
Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	178,629	172,698
Real Estate Portfolio Segment [Member] | Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	30,777	32,708
Real Estate Portfolio Segment [Member] | Land [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	30,777	32,708
Real Estate Portfolio Segment [Member] | Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	188,356	184,122
Real Estate Portfolio Segment [Member] | Construction [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	188,356	184,122
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	36,567	30,748
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		30,748
Nonaccrual Loans		18
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	28	47
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	28	29
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		18
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	36,539	30,701
Consumer Portfolio Segment [Member] | Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans		3
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	1,412	1,727
Consumer Portfolio Segment [Member] | Other [Member] | Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		3
Consumer Portfolio Segment [Member] | Other [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross		3
Consumer Portfolio Segment [Member] | Other [Member] | Loans Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, gross	$ 1,412	$ 1,724

Loans And Leases (Nonaccrual Lo

Loans And Leases (Nonaccrual Loans As Troubled Debt Restructuring) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Financing Receivable, Modifications [Line Items]
Nonaccrual modified and identified as TDRs	$ 80
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual modified and identified as TDRs	$ 80

Loans And Leases (Recorded In_3

Loans And Leases (Recorded Investment In Loans By Risk Category And Class Of Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment [Line Items]
2023	$ 65,834
2022	403,936
2021	622,024
2020	151,553
2019	74,181
Prior	132,258
Revolving loans amortized cost basis	181,843
Revolving loans converted to term	369
Total Loans	1,631,998	$ 1,588,317
Current period gross charge-offs:
2021	5
Prior	3
Total Loans	8
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		487,477
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		1,093,255
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		6,824
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		681
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		80
Commercial and Industrial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	22,079
2022	99,936
2021	109,404
2020	49,138
2019	6,298
Prior	13,504
Revolving loans amortized cost basis	129,905
Total Loans	430,264
Current period gross charge-offs:
2021	5
Total Loans	5
Commercial and Industrial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	22,079
2022	99,936
2021	104,776
2020	49,138
2019	6,298
Prior	13,424
Revolving loans amortized cost basis	129,905
Total Loans	425,556
Commercial and Industrial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	4,628
Prior	80
Total Loans	4,708
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	430,264	427,423
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		422,673
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		4,651
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		19
Commercial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		80
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	15,362
2022	137,473
2021	243,617
2020	47,787
2019	10,505
Prior	19,338
Total Loans	474,082	465,057
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	15,362
2022	137,473
2021	243,617
2020	47,787
2019	10,505
Prior	18,700
Total Loans	473,444
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Prior	638
Total Loans	638
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		451,939
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		12,477
Real Estate Portfolio Segment [Member] | Single-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		641
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,806
2022	8,840
2021	51,062
2020	7,389
2019	15,945
Prior	21,617
Total Loans	109,659	104,148
Real Estate Portfolio Segment [Member] | Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,806
2022	8,840
2021	51,062
2020	7,389
2019	15,945
Prior	21,617
Total Loans	109,659	104,148
Real Estate Portfolio Segment [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans	391,658	375,092
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	12,839
2022	26,149
2021	48,185
2020	15,716
2019	21,124
Prior	57,291
Revolving loans amortized cost basis	948
Total Loans	182,252	169,686
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	12,839
2022	26,149
2021	48,185
2020	15,716
2019	20,610
Prior	56,388
Revolving loans amortized cost basis	948
Total Loans	180,835	168,731
Real Estate Portfolio Segment [Member] | Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2019	514
Prior	903
Total Loans	1,417	955
Real Estate Portfolio Segment [Member] | Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,673
2022	57,194
2021	56,762
2020	20,540
2019	20,046
Prior	19,344
Revolving loans amortized cost basis	70
Total Loans	178,629	172,698
Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,673
2022	57,194
2021	56,762
2020	20,540
2019	19,353
Prior	19,344
Revolving loans amortized cost basis	70
Total Loans	177,936	171,998
Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2019	693
Total Loans	693	700
Real Estate Portfolio Segment [Member] | Land [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	1,138
2022	8,391
2021	18,221
2020	2,030
2019	263
Prior	636
Revolving loans amortized cost basis	98
Total Loans	30,777	32,708
Real Estate Portfolio Segment [Member] | Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	1,138
2022	8,391
2021	18,221
2020	2,030
2019	263
Prior	636
Revolving loans amortized cost basis	98
Total Loans	30,777	32,708
Real Estate Portfolio Segment [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,937
2022	65,953
2021	94,773
2020	8,938
Prior	213
Revolving loans amortized cost basis	13,542
Total Loans	188,356	184,122
Real Estate Portfolio Segment [Member] | Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		3,084
Real Estate Portfolio Segment [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,937
2022	65,953
2021	94,773
2020	8,938
Prior	213
Revolving loans amortized cost basis	13,542
Total Loans	188,356	180,520
Real Estate Portfolio Segment [Member] | Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		518
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans amortized cost basis	36,198
Revolving loans converted to term	369
Total Loans	36,567	30,748
Consumer Portfolio Segment [Member] | Home Equity Lines Of Credit [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans amortized cost basis	36,198
Revolving loans converted to term	369
Total Loans	36,567
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		30,748
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		30,730
Consumer Portfolio Segment [Member] | Originated for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		18
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	15
Prior	315
Revolving loans amortized cost basis	1,082
Total Loans	1,412	1,727
Current period gross charge-offs:
Prior	3
Total Loans	3
Consumer Portfolio Segment [Member] | Other [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	15
Prior	315
Revolving loans amortized cost basis	1,082
Total Loans	$ 1,412
Consumer Portfolio Segment [Member] | Other [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		1,724
Consumer Portfolio Segment [Member] | Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total Loans		$ 3

Loans And Leases (Components Of

Loans And Leases (Components Of Net Investment In Direct Financing Leases) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loans And Leases [Abstract]
Total minimum lease payments to be received	$ 20,855	$ 22,533
Less: unearned income	(1,567)	(1,798)
Plus: Indirect initial costs	29	33
Net investment in direct financing leases	$ 19,317	$ 20,768

Loans And Leases (Summary Of Fu

Loans And Leases (Summary Of Future Minimum Lease Payments Receivable) (Details) $ in Thousands	Mar. 31, 2023 USD ($)
Loans And Leases [Abstract]
2023, excluding the three months ended March 31, 2023	$ 5,181
2024	6,358
2025	5,640
2026	3,000
2027	626
Thereafter	50
Future minimum lease payments	$ 20,855

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Leases [Abstract]
Lease terms extending through year	2034
Operating lease, Weighted average remaining lease term	9 years 4 months 24 days
Operating lease, Weighted average discount rate	7.29%
Operating lease costs	$ 124	$ 143
Variable lease costs	$ 164	$ 84

Leases (Future Minimum Operatin

Leases (Future Minimum Operating Lease Payments) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Leases [Abstract]
2023, excluding the three months ended March, 31, 2023	$ 807
2024	1,001
2025	761
2026	677
2027	627
Thereafter	4,025
Total future minimum rental commitments	7,898
Less - amounts representing interest	(2,326)
Total operating lease liabilities	$ 5,572	$ 1,438

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Assets And Liabilities Transfer Level 1 To Level 3	0		0
Fair value assets and liabilities transfer level 3 to level 1	0		0
Fair value option, 90 days or more past due	$ 0		$ 0
Write-downs of impaired collateral-dependent loans	8,000
Fair Value, Measurements, Non-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, 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
Collateral-Dependent [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Write-downs of impaired collateral-dependent loans	$ 0	$ 0

Fair Value (Assets And Liabilit

Fair Value (Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial Assets:
Securities available for sale	$ 9,661	$ 10,442
Loans held for sale	591	580
Derivative assets	3,576	4,233
Financial Liabilities:
Derivative liabilities	3,576	4,233
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	9,661	10,442
Loans held for sale	591	580
Derivative assets	3,576	4,233
Financial Liabilities:
Derivative liabilities	3,576	4,233
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	9,661	10,442
Loans held for sale	591	580
Derivative assets	3,576	4,233
Financial Liabilities:
Derivative liabilities	3,576	4,233
Fair Value, Measurements, Recurring [Member] | Corporate Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	7,200	7,500
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	2,448	2,925
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities available for sale	$ 13	$ 17

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	$ 466
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
Commercial Portfolio Segment [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 (Aggregate Fair Valu

Fair Value (Aggregate Fair Value, Contractual Balance And Gain Or Loss) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value [Abstract]
Aggregate fair value	$ 591	$ 580
Contractual balance	$ 591	$ 580

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	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Fair Value [Abstract]
Interest income	$ 3	$ 172
Interest expense
Change in fair value		(448)
Total change in fair value	$ 3	$ (276)

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial assets
Securities available for sale	$ 9,661	$ 10,442
Equity securities	5,000	5,000
Loans held for sale	591	580
Derivative assets	3,576	4,233
Financial liabilities
FHLB advances and other borrowings	(136,970)	(109,461)
Advances by borrowers for taxes and insurance	(2,132)	(3,513)
Derivative liabilities	(3,576)	(4,233)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	214,248	151,787
Interest-bearing deposits in other financial institutions	100	100
Accrued interest receivable	203	70
Financial liabilities
Deposits	(1,024,466)	(969,797)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities available for sale	9,661	10,442
Equity securities	5,000	5,000
Loans held for sale	591	580
Accrued interest receivable	169	176
Derivative assets	3,576	4,233
Financial liabilities
Deposits	(570,941)	(545,871)
FHLB advances and other borrowings	(138,365)	(105,718)
Subordinated debentures	(14,996)	(14,621)
Accrued interest payable	(1,663)	(840)
Derivative liabilities	(3,576)	(4,233)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans and leases, net	1,597,725	1,542,796
Accrued interest receivable	6,410	7,821
Other assets held for sale	1,930	1,930
Financial liabilities
Advances by borrowers for taxes and insurance	(2,132)	(3,513)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	214,248	151,787
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	9,661	10,442
Equity securities	5,000	5,000
Loans held for sale	591	580
Loans and leases, net	1,616,083	1,572,255
FHLB and FRB stock	9,203	7,942
Accrued interest receivable	6,782	8,067
Other assets held for sale	1,930	1,930
Derivative assets	3,576	4,233
Financial liabilities
Deposits	(1,603,841)	(1,527,922)
FHLB advances and other borrowings	(136,970)	(109,461)
Advances by borrowers for taxes and insurance	(2,132)	(3,513)
Subordinated debentures	(14,932)	(14,922)
Accrued interest payable	(1,663)	(840)
Derivative liabilities	(3,576)	(4,233)
Fair Value [Member]
Financial assets
Cash and cash equivalents	214,248	151,787
Interest-bearing deposits in other financial institutions	100	100
Securities available for sale	9,661	10,442
Equity securities	5,000	5,000
Loans held for sale	591	580
Loans and leases, net	1,597,725	1,542,796
Accrued interest receivable	6,782	8,067
Other assets held for sale	1,930	1,930
Derivative assets	3,576	4,233
Financial liabilities
Deposits	(1,595,407)	(1,515,668)
FHLB advances and other borrowings	(138,365)	(105,718)
Advances by borrowers for taxes and insurance	(2,132)	(3,513)
Subordinated debentures	(14,996)	(14,621)
Accrued interest payable	(1,663)	(840)
Derivative liabilities	$ (3,576)	$ (4,233)

Subordinated Debentures (Narrat

Subordinated Debentures (Narrative) (Details) - USD ($)	1 Months Ended	3 Months Ended
	Dec. 31, 2018	Mar. 31, 2023	Dec. 31, 2022	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures		$ 14,932,000	$ 14,922,000	$ 5,155,000
Holding Company's investment in the common stock				$ 155,000
Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Holding Company, closed a pooled private offering				5,000
Trust preferred securities with a liquidation amount				$ 1
Subordinated Debentures [Member]
Subsidiary, Sale of Stock [Line Items]
Maturity date		Dec. 30, 2033
Required principal payments over next five years		$ 0
Number of years with no principal repayment		5 years
Subordinated Debentures [Member] | 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%
Trust preferred securities and subordinated debentures have a stated percentage		8.01%	7.58%
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	$ 10,000,000	$ 9,777,000
Interest rate	7%
Debt issuance costs	$ 388,000
London Interbank Offered Rate [Member] | Subordinated Debentures [Member] | Subordinated Debentures Maturing On December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Variable rate of interest		2.85%
London Interbank Offered Rate [Member] | Subordinated Debentures [Member] | Fixed-To-Floating Rate Subordinated Notes [Member]
Subsidiary, Sale of Stock [Line Items]
Subordinated notes		$ 9,612,000
London Interbank Offered Rate [Member] | Subordinated Debentures [Member] | Fixed-To-Floating Rate Subordinated Notes [Member] | Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Variable rate of interest	4.14%

FHLB Advances And Other Debt (N

FHLB Advances And Other Debt (Narrative) (Details) - USD ($)		1 Months Ended	3 Months Ended
	May 21, 2021	Jan. 31, 2023	Mar. 31, 2023	Dec. 31, 2022	May 20, 2021
Third-Party Bank [Member]
Line of credit, borrowing capacity					$ 10,000,000
Third-Party Bank [Member] | Term Loan [Member]
Loan					$ 5,000,000
Line Of Credit [Member] | Commercial Bank One [Member]
Line of credit, borrowing capacity			$ 50,000,000
Line Of Credit [Member] | Commercial Bank Two [Member]
Line of credit, borrowing capacity			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]
Interest rate	3.85%
Line of credit, expiration date	May 21, 2026
Outstanding balance	$ 35,000,000
Line of credit, outstanding balance			$ 33,470,000
Debt Instrument, Term			10 years
Debt Instrument, Convertible, Remaining Discount Amortization Period			10 years
Revolving Credit Facility [Member] | Third-Party Bank [Member] | Prime Rate [Member] | Interest Rate Floor [Member]
Variable rate spread	3.25%
FRB PPPLF Advances [Member]
PPPLF fixed rate		0.35%

FHLB Advances And Other Debt (S

FHLB Advances And Other Debt (Schedule Of FHLB Advances And Other Debt) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
20287, FHLB Weighted Average Rate	1.69%
2027, FHLB fixed rate advances	$ 17,000
Total	$ 136,970	109,461
Federal Home Loan Bank Advances [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
2023, FHLB Weighted Average Rate	1.46%
2024, FHLB Weighted Average Rate	1.45%
2026, FHLB Weighted Average Rate	3.88%
Thereafter, FHLB Weighted Average Rate	3.94%
2022, FHLB fixed rate advances		3,500
2023, FHLB fixed rate advances	18,500	18,500
2024, FHLB fixed rate advances	16,000	16,000
2026, FHLB fixed rate advances	12,500	12,500
Thereafter, FHLB fixed rate advances	12,500	29,500
Total FHLB fixed rate advances	$ 76,500	80,000
Line Of Credit [Member] | 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	$ 33,470	29,461
Variable Rate Advances Maturities less than 30 days [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Variable rate other debt, Weighted Average Rate	4.84%
Total	$ 27,000

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	3 Months Ended		15 Months Ended
	Mar. 31, 2023 USD ($) ShareBasedCompensationPlan shares	Mar. 31, 2022 USD ($) shares	Mar. 31, 2023 USD ($) shares	May 29, 2019 shares	Mar. 19, 2019 shares	May 16, 2013 shares	May 21, 2009 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Compensation cost | $	$ 283	$ 180
Total income tax (expense) benefit | $	$ 59	$ 38
Shares available to be issued						272,727
2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares remaining available					0
2019 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized				300,000
Shares remaining available	57,034		57,034
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	10 years
Shares cancelled, forfeited or expired	0	0
Options exercised	0		0
Shares granted	0	0
Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares vested	31,177	25,312
Shares granted	58,784
Unrecognized compensation cost | $	$ 2,337	$ 1,593	$ 2,337
Shares, Forfeited	2,170	366
Restricted Stock [Member] | 2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized							36,363
Restricted Stock [Member] | 2019 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares granted		34,000
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Stock Option Activity) (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	3 Months Ended	15 Months Ended
	Mar. 31, 2023 USD ($) $ / shares shares	Mar. 31, 2023 USD ($) $ / shares shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares, Outstanding at beginning of year | shares	11,089
Shares, Exercised | shares	0	0
Shares, Expired | shares
Shares Cancelled or forfeited | shares
Shares, Outstanding at end of period | shares	11,089	11,089
Shares, Exercisable at end of period | shares	11,089	11,089
Weighted Average Exercise Price, Outstanding at beginning of year | $ / shares	$ 7.63
Weighted Average Exercise Price, Exercised | $ / shares
Weighted Average Exercise Price, Expired | $ / shares
Weighted Average Exercise Price, Cancelled or forfeited | $ / shares
Weighted Average Exercise Price, Outstanding at end of period | $ / shares	7.63	$ 7.63
Weighted Average Exercise Price, Exercisable at end of period | $ / shares	$ 7.63	$ 7.63
Weighted Average Remaining Contractual Term (Years), Outstanding at end of period	7 months 6 days
Weighted Average Remaining Contractual Term (Years), Exercisable at end of period	7 months 6 days
Intrinsic Value, Outstanding at end of period | $	$ 132	$ 132
Intrinsic Value, Exercisable at end of period | $	$ 132	$ 132

Stock-Based Compensation (Sum_2

Stock-Based Compensation (Summary Of Changes In Company's Nonvested Restricted Shares) (Details) - Restricted Stock [Member] - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Shares, Nonvested at, Beginning	112,413
Shares, Granted	58,784
Shares, Vested	(31,177)	(25,312)
Shares, Forfeited	(2,170)	(366)
Shares, Nonvested at, Ending	137,850
Weighted Average Grant date Fair Value, Nonvested at, Beginning	$ 19.35
Weighted Average Grant date Fair Value, Granted	20.20
Weighted Average Grant date Fair Value, Vested	18.96
Weighted Average Grant date Fair Value, Forfeited	19.61
Weighted Average Grant date Fair Value, Nonvested at, Ending	$ 19.79

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jan. 01, 2019
Regulatory Capital Matters [Abstract]
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	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Actual Amount	$ 198,745	$ 193,294
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	181,998	176,828
Common equity tier 1 capital to risk-weighted assets, Actual Amount	181,998	176,828
Tier 1 (Core) Capital to adjusted total assets (Leverage ratio), Actual Amount	$ 181,998	$ 176,828
Total Capital to risk weighted assets, Actual Ratio	0.1293	0.1274
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	0.1184	0.1165
Common equity tier 1 capital to risk-weighted assets, Actual Ratio	0.1184	0.1165
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	0.1002	0.0989
Total Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	$ 153,739	$ 151,775
Tier 1 (Core) Capital to risk weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	122,992	121,420
Common equity tier 1 capital to risk-weighted assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	99,931	98,654
Tier 1 (Core) Capital to adjusted total assets, To Be Well Capitalized Under Applicable Regulatory Capital Standards Amount	$ 90,845	$ 89,377
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	$ 161,426	$ 159,364
Tier 1 (Core) Capital to risk weighted assets, Minimum Capital Required-Basel III Fully Phased-In Amount	130,678	129,009
Common equity tier 1 capital to risk-weighted assets, Minimum Capital Required-Basel III Fully Phased-In Amount	107,618	106,243
Tier 1 (Core) Capital to adjusted total assets, Minimum Capital Required-Basel III Fully Phased-In Amount	$ 72,676	$ 71,502
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 ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Derivative [Line Items]
Notional amount	$ 41,702,000		$ 42,177,000
Fair value, Derivative assets	3,576,000		4,233,000
Fair value, Derivative liabilities	(3,576,000)		(4,233,000)
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	41,702,000		42,177,000
Net gains (losses) recognized in earnings	0	$ 0
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Notional amount	1,587,000		3,940,000
Fair value, Derivative assets	$ 0
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	$ 0		$ 0
CF Bank [Member]
Derivative [Line Items]
Pledged, collateral derivatives	$ 2,794,000

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 41,702	$ 42,177
Weighted average maturity (years)	7 years 4 months 24 days	7 years 8 months 12 days
Fair value of derivative asset	$ 3,576	$ 4,233
Fair value of derivative liability	(3,576)	(4,233)
Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 41,702	$ 42,177
Weighted average pay rate on interest-rate swaps	4.34%	4.34%
Weighted average receive rate on interest-rate swaps	6.69%	6.21%

Derivative Instruments (Schedul

Derivative Instruments (Schedule Of Mortgage Banking Derivatives) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Fair value, Derivative assets	$ 3,576	$ 4,233
Fair value, Derivative liabilities	(3,576)	(4,233)
Interest Rate Commitments [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Assets	1,587	3,940
TBA Mortgage-Back Securities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Assets	$ 0	$ 0

Derivative Instruments (Sched_2

Derivative Instruments (Schedule Of Notional Amount Of Loans Sold) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments [Abstract]
Notional amount of loans sold	$ 1,991	$ 85,180

Derivative Instruments (Sched_3

Derivative Instruments (Schedule Of Revenue Recognized On Mortgage Activities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments [Abstract]
Gain (loss) on loans sold	$ (3)	$ 61
Gain (loss) from change in fair value of loans held-for-sale		(448)
Gain (loss) from change in fair value of derivatives		944
Revenue recognized on mortgage activities	$ (3)	$ 557

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2012	Dec. 31, 2022
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	19.50%	18.50%
Additional bad debt deductions	$ 2,250,000
Deferred tax asset, valuation allowance	0
Deferred tax asset	4,399,000			$ 4,330,000
Unrecognized tax benefits	$ 0			$ 0
Minimum [Member]
Net operating loss carryforwards, expiration year	2024
Maximum [Member]
Net operating loss carryforwards, expiration year	2032

Income Taxes (Effective Tax Rat

Income Taxes (Effective Tax Rates Differ From Federal Statutory Rate) (Details)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Income Taxes [Abstract]
Statutory tax rate	21%	21%
Increase (decrease) resulting from:
Restricted stock	(0.30%)	(0.90%)
Tax exempt earnings on bank owned life insurance	(0.60%)	(0.60%)
Dividends on equity securities	(0.20%)	(0.20%)
Low income housing credits	(0.50%)	(0.80%)
Other, net	0.10%
Effective tax rate	19.50%	18.50%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($)	3 Months Ended		24 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Accumulated Other Comprehensive Loss [Line Items]
Accumulated other comprehensive loss, beginning of period	$ (2,037,000)
Other comprehensive loss, net of tax	(216,000)	$ (1,050,000)
Accumulated other comprehensive loss, end of period	(2,253,000)		$ (2,037,000)
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Loss [Line Items]
Accumulated other comprehensive loss, beginning of period	(2,037,000)	(170,000)
Other comprehensive loss before reclassifications	(216,000)	(1,050,000)
Other comprehensive loss, net of tax	(216,000)	(1,050,000)
Accumulated other comprehensive loss, end of period	$ (2,253,000)	(1,220,000)	(2,037,000)
Amount reclassified out of other comprehensive income		$ 0	$ 0

Other Assets Held For Sale (Nar

Other Assets Held For Sale (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Other Assets Held For Sale [Abstract]
Disposal Group, Including Discontinued Operation, Consideration	$ 2,010
Impairment of Long-Lived Assets to be Disposed of	$ 542