Central Federal Corporation is a holding company for CFBank in connection with CFBank’s conversion from a mutual to stock form of organization. CFBank is a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves. The Company attracts retail and deposits from the general public and uses the deposits, together with borrowings and other funds, primarily to originate commercial and commercial real estate loans, single-family and multi-family residential mortgage loans, and home equity lines of credit. The majority of its customers are small businesses, small business owners and consumers. It also offers services, such as online Internet banking, remote deposit, corporate cash management and telephone banking.