Good morning, ladies and gentlemen. My name is Robert E. Hoeweler, Chairman of the Board of CF Bankshares Inc., and I will be serving as chairman for this annual meeting. It is my pleasure, on behalf of the board of directors and the officers of CF Bankshares and CF Bank, to extend to you a warm welcome and to express our appreciation to you for joining our 2026 Annual Stockholders Meeting. We are holding our annual meeting again this year in a virtual meeting format, and as a result, this annual meeting will include a condensed agenda consisting of the formal proposals required to be considered and voted upon at this meeting, as described in the proxy materials previously made available to the shareholders. I would like to introduce our President and Chief Executive Officer, Tim O'Dell, our Executive Vice President and Chief Financial Officer, Kevin Beerman. Each of the directors of CFBank and CF Bankshares are also participating in the virtual meeting today. Principal business of this annual meeting is to elect two directors, each for a term of three years. Number two, consider and vote upon a non-binding advisory resolution to approve the compensation of the company's named executive officers. Three, to ratify the appointment of our independent registered public accounting firm for the fiscal year ending December 31st, 2026. Before we proceed with these matters, I will report on the notice to shareholders, and other preliminary matters. On or about April 23rd, 2026, CF Bankshares Inc. mailed to each stockholder of record as of April 2nd, 2026, a copy of the notice of annual meeting of stockholders, the proxy statement, the form of proxy card, and the 2025 annual report to stockholders. A copy of the notice and an affidavit as to the mailing of the notice for this meeting will be filed with the minutes of this meeting. The board fixed April 2nd, 2026, as the record for determining persons entitled to notice and to vote at the annual meeting of stockholders. Finally, in accordance with the bylaws and applicable law, the complete alphabetical list of registered stockholders as of record as of April 2nd, 2026, who are entitled to vote, showing their respective addresses and the number of shares held by each, is available for inspection by stockholders on the website used to access this meeting. I will now call on Mr. Kevin Beerman, Executive Vice President and Chief Financial Officer, who has been appointed by the board of directors to serve as the Inspector of Elections for this annual meeting. Mr. Beerman, will you please present your report for the number of shares present to this meeting so we can determine whether a quorum is present? Of the 6,422,917 shares of voting common stock eligible to vote at this annual meeting, a total of 4,584,467 shares are represented in person or by proxy at this meeting. Accordingly, a quorum exists for this annual meeting. Thank you, Mr. Beerman. On the basis of my findings, the report of the Inspector of Elections, proper notice has been given and a quorum is present. Accordingly, this meeting has been properly convened. There were no stockholder proposals properly filed with the company before this meeting, as provided by the bylaws. Consequently, the business of this meeting is limited to matters discussed in the proxy statement. With respect to each of the matters to be considered and voted upon today, an appropriate resolution must be properly introduced before discussion and a vote. Stockholders may submit questions at any time during this meeting in the space provided on the virtual meeting screen. The company will make an effort to respond individually to appropriate stockholder questions posed but not answered during the 2026 annual meeting, to the extent that stockholder contact information is provided. The rules of procedure for this annual meeting were made available to you on the website used to access this meeting. In accordance with the rules of procedure, I request that questions be confined to the matters before the meeting for consideration. Polls for voting on all matters are open at this time at 10:02 A.M. on May 27th, 2026. The polls will remain open while these matters are introduced and discussed. Stockholders entitled to vote at this annual meeting have the ability to do so online. If you are a stockholder entitled to vote and have not yet voted, or if you want to change your previously cast vote, please do so via the website used to access this meeting. If you have already voted by proxy, it is not necessary to vote again. After all matters to be considered at this annual meeting have been presented, we will close the polls and the Inspector of Elections will provide his preliminary report. Proposal number one. The first proposal to be considered and voted upon is the election of directors. There are two nominees standing for election as directors for three-year terms: Robert E. Hoeweler and Bradley J. Ringwald. Each of these nominees are current directors of the company and have been nominated to the board of directors for re-election to three-year terms expiring at the annual meeting in 2029, or at such time as their successors are elected and qualified. Information concerning each nominee's principal occupation, service with CF Bankshares and CFBank, and other matters which may be of interest are contained in the proxy statement. With respect to the election of directors, I will entertain a motion for the adoption of the following resolution. Resolved, that Robert E. Hoeweler, Bradley J. Ringwald be and hereby are elected as directors of CF Bankshares Inc., each to serve for a term of three years and until his successor is duly elected and qualified, or until his earlier resignation, removal for office, or death. Mr. Chairman, I move for the adoption of the resolution. I second the motion. The second proposal to be considered and voted on is the non-binding advisory resolution to approve compensation of the company's named executive officers as disclosed in the proxy statement for the 2026 annual meeting of stockholders. I will entertain a motion for the adoption of the following resolution. Resolved, that the stockholders of CF Bankshares Inc. hereby approve, on an advisory basis, the compensation of the company's named executive officers as disclosed in the company's proxy statement for its 2026 annual meeting of stockholders pursuant to Item 402 of SEC Regulation S-K, included the compensation table notes and narrative disclosures contained under the heading "Compensation of Executive Officers" in the company's proxy statement. Mr. Chairman, I move for the adoption of the resolution. I second the motion. The third proposal to be considered and voted on is the ratification of the company's independent registered public accounting firm for the fiscal year ending December 31st, 2026. The company's audit committee, with the approval of the board of directors, has appointed Plante Moran, PLLC to serve as the company's independent registered public accounting firm for 2026, subject to the ratification by shareholders. A representative from Plante Moran is participating in this virtual meeting and is able to respond to any appropriate questions relating to our auditor. Stockholders may submit questions in the space provided on the virtual meeting screen. I will entertain a motion for the adoption of the following resolution. Resolved, that the appointment of Plante Moran, PLLC to serve as the company's independent registered public accounting firm for the fiscal year ending December 31st, 2026, and such appointment is hereby ratified and confirmed. Mr. Chairman, I move for the adoption of the resolution. I second the motion. This concludes the matters to be considered and voted on at this annual meeting. If you've not already done so, please submit your vote on the website on each of the proposals being considered and voted on today. The polls for voting on the matters before the meeting are hereby closed at 10:06 A.M. Will the Inspector of Elections please report? A preliminary count of the votes cast for the election of directors indicates that Robert E. Hoeweler and Bradley J. Ringwald have been elected as directors of the company for three-year terms expiring in 2029. A preliminary count of the votes cast indicates that at least a majority of the votes cast on proposal two have been voted for the non-binding advisory resolution to approve the compensation of the company's named executive officers. A preliminary count of the votes cast indicates that at least a majority of the votes cast on proposal three have been voted for the ratification of the appointment of Plante Moran, PLLC as the company's independent registered public accounting firm for the fiscal year ending December 31st, 2026. Final voting results will be certified by me in a certificate and report of Inspector of Elections, which will be filed with the company. The final voting results will be reported on a current report on Form 8-K to be filed with the SEC within four business days following this meeting. Thank you, Mr. Beerman. The ballots, the proxies, the oath and certificate, and the report of the Inspector of Elections will be maintained for safekeeping in CF Bankshares Inc.'s corporate records. In conjunction with this annual meeting, we have also posted slides with information regarding the company's historical growth rates, key strategic initiatives on the investor website at cf.bank, and filed with slides with the SEC on Form 8-K. The business portion of this meeting is now complete. I will entertain a motion to adjourn the 2026 annual meeting of shareholders. Mr. Chairman, I move to adjourn the meeting. I second the motion. The meeting is hereby adjourned. Thank you, everyone. This now concludes the meeting. Thank you for joining, and have a pleasant day.