Item 7.01 Regulation FD Disclosure.

On April 25, 2022, CF Bankshares Inc. (the "Company") first mailed to stockholders a cover letter to its Annual Report to Stockholders for the fiscal year ended December 31, 2021. A copy of the cover letter to stockholders is attached hereto as Exhibit 99.1.

The cover letter to stockholders is furnished herein, as part of this Item 7.01, as Exhibit 99.1. Pursuant to General Instruction B.2 of Current Report on Form 8-K, the information in this Item 7.01 and Exhibit 99.1 shall not be deemed to be "filed" for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section. Furthermore, the information in this Item 7.01 and Exhibit 99.1 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01. Financial Statements and Exhibits



(a) Not applicable
(b) Not applicable
(c) Not applicable
(d) Exhibits



      99.1     Cover letter to stockholders dated April 25, 2022.
    104Cover Page Interactive Data File (the cover page XBRL tags are embedded
    within the Inline XBRL document).



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