CFBK · Annual Report (Form 10-K) · Filed March 12, 2026

Cf Bankshares Inc — 10-K exhibit

cfbk-ex4_5.htm

Cf Bankshares Inc on Boardroom Alpha

EX-4.5

Exhibit 4.5

March 12, 2026

Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549

Re: CF Bankshares Inc.—Annual Report on Form 10-K for the fiscal year ended December 31, 2025.

Ladies and Gentlemen:

CF Bankshares Inc., a Delaware corporation, is today filing with the Securities and Exchange Commission (the "SEC") its Annual Report on Form 10-K for the fiscal year ended December 31, 2025.

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, CF Bankshares Inc. hereby agrees to furnish to the SEC, upon request, copies of instruments defining the rights of holders of long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to CF Bankshares Inc.’s 2025 Annual Report on Form 10-K. None of such long-term debt exceeds 10% of the total assets of CF Bankshares Inc. and its subsidiaries on a consolidated basis.

Very truly yours,

CF BANKSHARES INC.

/s/Timothy T. O’Dell

Timothy T. O’Dell

President and Chief Executive Officer

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