content: <?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <headerData>
  <submissionType>144</submissionType>
  <filerInfo>
  <filer>
  <filerCredentials>
  <cik>0001556891</cik>
  <ccc>XXXXXXXX</ccc>
  </filerCredentials>
  </filer>
  <liveTestFlag>LIVE</liveTestFlag>
  </filerInfo>
  </headerData>
  <formData>
  <issuerInfo>
  <issuerCik>0001070680</issuerCik>
  <issuerName>CF BANKSHARES INC.</issuerName>
  <secFileNumber>000-25045</secFileNumber>
  <issuerAddress>
  <street1 xmlns="http://www.sec.gov/edgar/common">C/O CFBANK</street1>
  <street2 xmlns="http://www.sec.gov/edgar/common">4960 EAST DUBLIN GRANVILLE RD</street2>
  <city xmlns="http://www.sec.gov/edgar/common">COLUMBUS</city>
  <stateOrCountry xmlns="http://www.sec.gov/edgar/common">OH</stateOrCountry>
  <zipCode xmlns="http://www.sec.gov/edgar/common">43081</zipCode>
  </issuerAddress>
  <issuerContactPhone>(614) -334-7979</issuerContactPhone>
  <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>O'Dell Timothy T</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
  <relationshipsToIssuer>
  <relationshipToIssuer>Officer</relationshipToIssuer>
  <relationshipToIssuer>Director</relationshipToIssuer>
  </relationshipsToIssuer>
  </issuerInfo>
  <securitiesInformation>
  <securitiesClassTitle>Voting Common Stock</securitiesClassTitle>
  <brokerOrMarketmakerDetails>
  <name>McDonald Partners, LLC</name>
  <address>
  <street1 xmlns="http://www.sec.gov/edgar/common">1301 E. 9th Street</street1>
  <street2 xmlns="http://www.sec.gov/edgar/common">Suite 3700</street2>
  <city xmlns="http://www.sec.gov/edgar/common">Cleveland</city>
  <stateOrCountry xmlns="http://www.sec.gov/edgar/common">OH</stateOrCountry>
  <zipCode xmlns="http://www.sec.gov/edgar/common">44114</zipCode>
  </address>
  </brokerOrMarketmakerDetails>
  <noOfUnitsSold>20000</noOfUnitsSold>
  <aggregateMarketValue>477200</aggregateMarketValue>
  <noOfUnitsOutstanding>5554243</noOfUnitsOutstanding>
  <approxSaleDate>06/16/2025</approxSaleDate>
  <securitiesExchangeName>NASDAQ Capital Mkt</securitiesExchangeName>
  </securitiesInformation>
  <securitiesToBeSold>
  <securitiesClassTitle>Voting Common Stock</securitiesClassTitle>
  <acquiredDate>05/25/2022</acquiredDate>
  <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
  <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
  <isGiftTransaction>N</isGiftTransaction>
  <amountOfSecuritiesAcquired>15000</amountOfSecuritiesAcquired>
  <paymentDate>05/25/2022</paymentDate>
  <natureOfPayment>N/A</natureOfPayment>
  </securitiesToBeSold>
  <securitiesToBeSold>
  <securitiesClassTitle>Voting Common Stock</securitiesClassTitle>
  <acquiredDate>04/11/2024</acquiredDate>
  <natureOfAcquisitionTransaction>Restricted Stock Vesting</natureOfAcquisitionTransaction>
  <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
  <isGiftTransaction>N</isGiftTransaction>
  <amountOfSecuritiesAcquired>5000</amountOfSecuritiesAcquired>
  <paymentDate>04/11/2024</paymentDate>
  <natureOfPayment>N/A</natureOfPayment>
  </securitiesToBeSold>
  <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
  <remarks>Aggregate market value is based on 06/12/2025 closing price of $23.86.  The approximate date of sale ranges from 06/16/25 to 09/14/25.</remarks>
  <noticeSignature>
  <noticeDate>06/13/2025</noticeDate>
  <signature>Timothy T. O'Dell</signature>
  </noticeSignature>
  </formData>
  </edgarSubmission>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "primary_doc.xml", "secsgml_size_bytes": 3518}]
text: 144
  0001556891
  XXXXXXXX
  LIVE
  0001070680
  CF BANKSHARES INC.
  000-25045
  C/O CFBANK
  4960 EAST DUBLIN GRANVILLE RD
  COLUMBUS
  OH
  43081
  (614) -334-7979
  O'Dell Timothy T
  Officer
  Director
  Voting Common Stock
  McDonald Partners, LLC
  1301 E. 9th Street
  Suite 3700
  Cleveland
  OH
  44114
  20000
  477200
  5554243
  06/16/2025
  NASDAQ Capital Mkt
  Voting Common Stock
  05/25/2022
  Restricted Stock Vesting
  Issuer
  N
  15000
  05/25/2022
  N/A
  Voting Common Stock
  04/11/2024
  Restricted Stock Vesting
  Issuer
  N
  5000
  04/11/2024
  N/A
  Y
  Aggregate market value is based on 06/12/2025 closing price of $23.86.  The approximate date of sale ranges from 06/16/25 to 09/14/25.
  06/13/2025
  Timothy T. O'Dell