8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington,  D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  May 25, 2016

CENTRAL FEDERAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	0-25045	34-1877137
(State or other jurisdiction of	(Commission	(IRS Employer
incorporation)	File Number)	Identification Number)

7000 N. High Street, Worthington, Ohio	43085	(614) 334-7979
(Address of principal executive offices)	(Zip Code)	(Registrant’s Telephone Number)

_______________________________________________

(former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01Regulation FD Disclosure.

Timothy T. O’Dell, President and Chief Executive Officer, and John W. Helmsdoerfer, Treasurer and Chief Financial Officer, will make a presentation at the Annual Meeting of Stockholders of Central Federal Corporation to be held at 10:00 a.m. on May 25, 2016, at the New Albany Country Club in New Albany, Ohio.  The slides that will accompany the presentation are furnished as Exhibit 99 to this Form 8-K, and are incorporated herein by reference.

Item 9.01.  Financial Statements and Exhibits.

(c)  Exhibits

99Slide presentation for the Annual Meeting of Stockholders of Central Federal Corporation to be held on May 25, 2016 (furnished pursuant to Item 7.01 hereof).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		Central Federal Corporation
Date:  May 25, 2016	By:	/s/ John W. Helmsdoerfer
		John W. Helmsdoerfer, CPA
		Treasurer and Chief Financial Officer

EX-99

Exhibit 99

Central Federal Corporation Annual Stockholders Meeting Wednesday May 25, 2016Columbus Cleveland Fairlawn Columbiana County

PRESENTATION2015 Performance Highlights Growth & Earnings OpportunitiesEnhancing Shareholder Value.Financial & Operating Highlights

2015 HIGHLIGHTS 2015 Net Earnings of $4.5 million. Strong Earnings Trajectory by 1stQtr. 2016 up 25.6% over 2015.Book value per share increased $.22/share to $1.64/share 15% Loan Growth Strong Credit Quality .Regulatory Released prior constraints on growth and expansion

GROWTH AND EARNINGS OPPORTUNITIES.Capital & Headroom available to grow our Balance Sheet.$400 million Earning Asset Target ($50 million increase).Solid Pipelines and increasing loan activity.Success recruiting top Lenders & MLO’s.CFBank has proven successful competing with Regional Banks for quality customers

GROWTH AND EARNINGS OPPORTUNITIES.CFBank Growth Strategy includes Organic Geographic Stategic M&A.Targeting presence Cincinnati Market Geographic focus remains on Metro Markets (where business customers are)

ENHANCING SHAREHOLDER VALUE.Stock Repurchase Plan (recently announced up to 3% next 180 days).Accelerating Earnings Growth thru:Loan and B/S growthIncreasing Fee Income –Corp. T/M and R/M volumesFunding cost reductions by repricing promo deposit rates.Size Matters to Earnings Performance and P/E Multiples.CFBank is well positioned to accelerate our pace of growth and earnings performance!

FINANCIAL HIGHLIGHTSJohn Helmsdoerfer, EVP & CFO

FINANCIAL HIGHLIGHTS Keys to Success and Earnings ImprovementsContinued earnings improvementOptimizing balance sheet performanceContinued credit quality improvementCapital strength to support growthAchieving operational efficiencies

Net Income TrendsNet Income (Loss) ($ in thousands) Includes a $3.2 million credit to income tax expense as a result of the reversal of a deferred tax valuation allowance that occurred in the 4th quarter of 2015.

Driving Net Interest Income Net Interest Income ($ in thousands)

Optimizing Balance Sheet Growth Quality loan growth has been critical to our success and driving net income Credit quality continues to improve while we prudently grow the balance sheet Loans ($ in thousands) Deposits ($ in thousands) Non-Interest Bearing Deposits Interest Bearing Deposits Assets ($ in thousands)

Continued Reduction in Criticized & Classified Loans is a Key Focus Criticized and Classified Loans (At December 31) ($ in thousands)

Credit Quality Continues to Improve Nonperforming loan (NPL’s) trends improved significantly •Net charge-off (recoveries) continue to trend favorably Our ALLL ratio to NPL’s has improved significantly Our ALLL as a % to loans remains strong at 2.18% at December 31, 2015Nonperforming Loans to Total Loans (At December 31) Net Charge-off (recoveries) to Loans Ratio of ALLL to NPL’s (At December 31)

Capital Strength to Support Growth Capital Ratios (At December 31) Tier-1 Core Capital (Leverage Ratio) Total Risk-Based Capital RatioTier-1 Core Well Capitalized Total Risk-Based Well Capitalized

Q1 2016 Update -Q1-16 vs Q1-15•Net income of $316k for Q1-16 increased 26%compared to $251k for Q1-15 Income before taxes of $466k for Q1-16 increased 86% compared to $251k for Q1-15 Net interest income increased $230k, (9%) Credit quality remained strong; annualized net recoveries of 6 bps in Q1-16 Expenses were held flat while growing revenues; efficiency ratio showed continued improvement Net income ($ in thousands) Income tax expense was $150k in Q1-16, compared to $-0-in Q1-15, The Company reversed its deferred tax asset valuation allowance in Q4-15, and is now recording income tax expense in 2016.

IN SUMMARY Adequate capital to support growth.Opportunities exist to improve margin and cost of funds.Focus remains on optimizing balance sheet and earnings performance.Continued emphasis on improving credit quality.Achieve operational efficiencies

Thank you!