A recipe for easy cheese and herb muffins with whipped Bovril butter is a quick savory muffin. They are perfect to their own or to serve with a bowl of soup

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CF Bankshares (NASDAQ: CFBK) reported Q2 2026 net income of $5.9 million, or $0.90 per diluted share, up 18% from Q1 2026, with provision for credit losses of $944,000. Pre-provision, pre-tax net revenue (PPNR) was $8.2 million, a 26% sequential increase. Q2 ROE was 12.31% and ROA was 1.11%. Net interest income rose to $14.8 million, driving net interest margin to 2.93%, up 24bps from the prior quarter and 10bps from Q2 2025.Commercial loan fundings were $135 million, producing net commercial loan growth of $52 million. Core deposits grew $91 million, including a $33 million (14%) increase in noninterest-bearing balances. The efficiency ratio improved to 50.4%. Asset quality metrics showed nonaccrual loans of $20.8 million (1.15% of total loans) and loans 30+ days past due of $20.4 million. The allowance for credit losses was $19.4 million, or 1.07% of total loans.Capital remained strong with a Tier 1 leverage ratio of 11.64% and total capital ratio of 14.76%, while book value per share rose to $29.04. According to the company, the board declared a Q2 2026 cash dividend of $0.09 per common share and $9.00 per Series D preferred share, paid on July 21, 2026.

CF Bankshares (NASDAQ: CFBK) reported Q1 2026 net income of $5.0M ($0.77 diluted), a 13% increase versus Q1 2025, with PPNR of $6.5M (up 5.4% YoY). NIM was 2.69%, ROE 10.74%, ROA 0.97%, book value per share $28.20, and Tier 1 leverage 11.76%.Core commercial net loan growth was $45M in Q1 (annualized 15%), deposits totaled $1.8B, nonaccrual loans were $20.3M, and the Board declared a $0.09/share cash dividend paid April 21, 2026.