<?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>
