10-K/A

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 10-K/A

(Amendment No.1)

[X]     ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Fiscal Year ended December 31, 2014

Or

[]     TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from __________ to______________

Commission File Number 0-25045

CENTRAL FEDERAL CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	34-1877137
(State or other jurisdiction of	(IRS Employer
incorporation or organization)	Identification No.)

7000 N. High Street, Worthington, Ohio	43085
(Address of Principal Executive Offices)	(Zip Code)

(614) 334-7979

(Registrant’s Telephone Number, Including Area Code)

Securities registered pursuant to Section 12(b) of the Act:

Common Stock, par value $.01 per share	Nasdaq® Capital Market
(Title of Class)	(Name of Exchange on which Registered)

Securities registered pursuant to Section 12(g) of the Exchange Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act

YES [  ]    NO [X]

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act

YES [  ]NO[X]

Indicate by check mark whether the registrant:  (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  YES[X]NO[]

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files.)                                                                                                                                                                    YES[X]    NO [  ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K(Section 229.405 of this chapter) is not contained herein, and will not be contained, to the best of the registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  []

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.  (Check one):

Large accelerated filer [  ]	Accelerated filer [  ]
Non-accelerated filer [  ]	Smaller reporting company [X]

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). 

YES [  ]  NO [X]

The aggregate market value of the voting and non-voting common equity of the registrant held by non-affiliates as of June 30, 2014was $23.4 million based upon the closing price as reported on the Nasdaq® Capital Market for that date.

As of March15, 2015, there were 15,823,710 shares of the registrant’s Common Stock outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the registrant’s Annual Report to Stockholders  for its fiscal year ended December 31, 2014,  included as Exhibit 13.1 to this Form 10-K,and its Proxy Statement for the Annual Meeting of Stockholders  to be held on May20,  2015,  are incorporated herein by reference into Parts II and III, respectively, of this Form 10-K.

Explanatory Note

The sole purpose of this Amendment No.1 to the annual report on Form 10-K (the “Form 10-K”) of Central Federal Corporation for the year ended December 31, 2014, filed with the Securities and Exchange Commission on March 31, 2015, is to furnish Exhibit 101.1 to the Form 10-K in accordance with Rule 405 of Regulation S-T. Exhibit 101.1 to the Form 10-K provides the financial statements and related notes from the Form 10-K formatted in XBRL (eXtensible Business Reporting Language).

No other changes have been made to the Form 10-K. 

Item 15.Exhibits and Financial Statement Schedules

Exhibit No.   Description of Exhibit

3.1	Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Registration Statement on Form SB-2 (File No. 333-64089), filed with the Commission on September 23, 1998)
3.2	Amendment to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.2 to the registrant’s Registration Statement on Form S-2 (File No. 333-129315), filed with the Commission on October 28, 2005)
3.3	Amendment to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.4 to the registrant’s Quarterly Report on Form 10-Q for the quarter ended June 30,2009, filed with the commission on August 14, 2009 (File No. 0-25045))
3.4	Amendment to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.5 to the registrant’s Quarterly Report on Form 10-Q for the fiscal quarter ended September 30, 2011, filed with the Commission on November 10, 2011(File No. 0-25045))
3.5	Amendment to Certificate of  Incorporation of the registrant (incorporated by reference to Exhibit 3.5 to the registrant’s Post-Effective Amendment to the Registration Statement on Form S-1 (File No. 333-177434), filed with the Commission on May 4, 2012)
3.6	Certificate of Designations to Certificate of Incorporation of the registrant (incorporated by reference to Exhibit 3.1 to the registrant’s Current Report on Form 8-K dated May 7, 2014 and filed with the Commission on May 13, 2014. (File No. 0-25045))
3.7	Second Amended and Restated Bylaws of the registrant (incorporated by reference to Exhibit 3.3 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2007, filed with the Commission on March 27, 2008 (File No. 0-25045))
4.1	Form of Stock Certificate of Central Federal Corporation (incorporated by reference to Exhibit 4.0 to the registrant’s Registration Statement on Form SB-2 (File No. 333-64089), filed with the Commission on September 23, 1998)
4.2	Form of Certificate for the Series B Preferred Stock of Central Federal Corporation (incorporated by reference to Exhibit 4.1 to the registrant’s Current Report on Form 8-K dated May 7, 2014 and filed with the Commission on May 13, 2014 (File No. 0-25045))
4.3	Form of Warrant for the purchase of common stock of Central Federal Corporation (incorporated by reference to Exhibit 4.2 to the registrant’s Current Report on Form 8-K dated May 7, 2014 and filed with the Commission on May 13, 2014 (File No. 0-25045))
4.4	Form of Registration Rights Agreement (incorporated by reference to Exhibit 4.3 to the registrant’s Current Report on Form 8-K dated May 7, 2014 and filed with the Commission on May 13, 2014 (File No. 0-25045))
10.1*	1999 Stock-Based Incentive Plan (as Amended and Restated) (incorporated by reference to Appendix A to the registrant’s Definitive Proxy Statement filed with the Commission on March 21, 2000)
10.2*	Central Federal Corporation 2009 Equity Compensation Plan (incorporated by reference to Appendix A to the registrant’s Definitive Proxy Statement filed with the Commission on March 31, 2009)
10.3	Form of Incentive Stock Options Award Agreement under the Central Federal Corporation 2009 Equity Compensation Plan (incorporated by reference to Exhibit 10.3 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2012, filed with the Commission on April 1, 2013 (File No. 0-25045)
10.4	Form of Non-Qualified Stock Option Award Agreement under the Central Federal Corporation 2009 Equity Compensation Plan (incorporated by reference to Exhibit 10.4 to the registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2012, filed with the Commission on April 1, 2013 (File No. 0-25045)
10.5	Order to Cease and Desist issued by the Office of Thrift Supervision for CFBank and the Related Stipulation and Consent (incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K, filed with the Commission on May 27, 2011)
10.6	Order to Cease and Desist issued by the Office of Thrift Supervision for Central Federal Corporation and the Related Stipulation and Consent (incorporated by reference to Exhibit 10.2 to the registrant’s Current Report on Form 8-K, filed with the Commission on May 27, 2011)
11.1**	Statement Re:  Computation of Per Share Earnings

13.1**	Annual Report to Security Holders for the Fiscal Year Ended December 31, 2014
21.1**	Subsidiaries of the Registrant
23.1**	Consent of Independent Registered Public Accounting Firm
23.2**	Consent of Independent Registered Public Accounting Firm
31.1	Rule 13a-14(a) Certifications of the Chief Executive Officer
31.2	Rule 13a-14(a) Certifications of the Chief Financial Officer
32.1	Section 1350 Certifications of the Chief Executive Officer and Chief Financial Officer
101.1	Interactive Data File (XBRL)

____________________________________________________________________________________________________________

*Management contract or compensation plan or arrangement identified pursuant to Item 15 of Form 10-K

** Previously filed

SIGNATURES

Pursuant to the requirements ofSection 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorize

CENTRAL FEDERAL CORPORATION

/s/ Timothy T. O’Dell

Timothy T. O’Dell

Chief Executive Officer

Date: March 27, 2015

EX-31.1

Exhibit 31.1

Rule 13a-14(a) Certifications

I, Timothy T. O’Dell, certify, that:

1. I have reviewed this report on Form 10-K/Aof Central Federal Corporation;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the small business issuer as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with U.S. generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s fourth fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting. 

Date: March 27, 2015	/s/ Timothy T. O’Dell
	Timothy T. O’Dell
	Chief Executive Officer

EX-31.2

Exhibit 31.2

Rule 13a-14(a) Certifications

I, John W. Helmsdoerfer, certify, that:

1. I have reviewed this report on Form 10-K/A of Central Federal Corporation;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the small business issuer as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with U.S. generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s fourth fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting. 

Date: March 27, 2015	/s/ John W. Helmsdoerfer
	John W. Helmsdoerfer, CPA
	Executive Vice President and Chief Financial Officer

EX-32.1

Exhibit 32.1

Section 1350 Certifications

In connection with the Annual Report of Central Federal Corporation (the “Company”) on Form 10-K/A for the fiscal year ended December 31, 2014 as filed with the Securities and Exchange Commission (the “Report”), the undersigned, Timothy T. O’Dell, Chief Executive Officer of the Company and John W. Helmsdoerfer,Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as added by Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.

/s/ Timothy T. O’Dell

Timothy T. O’Dell

Chief Executive Officer

/s/ John W. Helmsdoerfer

John W. Helmsdoerfer, CPA

Executive Vice President and

Chief Financial Officer

Date:March 27, 2015

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Fair Value (Tables)

12 Months Ended

Dec. 31, 2014

Fair Value [Abstract]

Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities

	Fair Value Measurements at December 31, 2014 Using Significant Other Observable Inputs
	(Level 2)
Financial Assets:
Securities available for sale:
Corporate debt	$	2,936
State and municipal		886
Issued by U.S. government-sponsored entities and agencies:
U.S. Treasury		5,011
Mortgage-backed securities - residential		727
Collateralized mortgage obligations		885
Total securities available for sale	$	10,445
Loans held for sale	$	1,672
Yield maintenance provisions (embedded derivatives)	$	318
Interest rate lock commitments	$	25
Financial Liabilities:
Interest-rate swaps	$	318

	Fair Value Measurements at December 31, 2013 Using Significant Other Observable Inputs
	(Level 2)
Financial Assets:
Securities available for sale:
Corporate debt	$	4,363
State and municipal		1,919
Issued by U.S. government-sponsored entities and agencies:
Mortgage-backed securities - residential		983
Collateralized mortgage obligations		2,407
Total securities available for sale	$	9,672
Loans held for sale	$	3,285
Yield maintenance provisions (embedded derivatives)	$	599
Interest rate lock commitments	$	16
Financial Liabilities:
Interest-rate swaps	$	599

Assets measured at fair value on a non-recurring basis

Fair Value Measurements at December 31, 2014 Using
Significant Unobservable Inputs (Level 3)
Impaired loans:
Commercial	$	157
Real Estate:
Single-family residential		123
Multi-family residential		-
Commercial:
Non-owner occupied
Owner occupied		225
Land		289
Total impaired loans	$	794

Fair Value Measurements at December 31, 2013 Using
Significant Unobservable Inputs (Level 3)
Impaired loans:
Commercial	$	-
Real Estate:
Single-family residential		316
Multi-family residential		1,301
Commercial:
Non-owner occupied		-
Owner occupied		234
Land		629
Total impaired loans	$	2,480

Financial instruments measured at fair value on a non-recurring basis

	Fair Value		Valuation Technique(s)	Unobservable Inputs	(Range) Weighted Average
Impaired loans:
Commercial	$	157	Income approach	Adjustments by management to reflect current discount rates	-16.00%
Commercial real estate:
Single-family residential		123	Comparable sales approach	Adjustment for differences between the comparable market transactions	2.35%
Commercial:
Owner occupied		225	Comparable sales approach	Adjustment for differences between the comparable market transactions	-12.21%
Land		289	Comparable sales approach	Adjustment for differences between the comparable market transactions	8.10%

The following Table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2013:

	Fair Value		Valuation Technique(s)	Unobservable Inputs	(Range) Weighted Average
Impaired loans:
Commercial real estate:
Single -family residential	$	316	Comparable sales approach	Adjustment for differences between the comparable market transactions	(-17.67%,  2.35%) -8.33%
Multi-family residential		1,301	Comparable sales approach	Adjustment for differences between the comparable market transactions	-20.59%
Commercial:
Owner occupied		234	Comparable sales approach	Adjustment for differences between the comparable market transactions	-12.21%
Land		629	Comparable sales approach	Adjustment for differences between the comparable market transactions	(-8.59% , 8.10%) 1.44%

Aggregate fair value, contractual balance (including accrued interest) and gain or loss

	December 31, 2014		December 31, 2013
Aggregate fair value	$	1,672	$	3,285
Contractual balance		1,657		3,270
Gain (loss)		15		15

Amount of gains and losses from changes in fair value included in earnings

	2014		2013		2012
Interest income	$	97	$	65	$	46
Interest expense		-		-		-
Change in fair value		-		(13)		14
Total change in fair value	$	97	$	52	$	60

Carrying amounts and estimated fair values of financial instruments

	Fair Value Measurements at December 31, 2014 Using:
	Carrying
	Value		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	28,207	$	28,207	$	-	$	-	$	28,207
Interest-bearing deposits in other financial institutions		494		494		-		-		494
Securities available for sale		10,445		-		10,445		-		10,445
Loans held for sale		1,672		-		1,672		-		1,672
Loans, net		257,831		-		-		258,079		258,079
FHLB stock		1,942		n/a		n/a		n/a		n/a
Accrued interest receivable		34		2		32		-		34
Yield maintenance provisions (embedded derivatives)		318		-		318		-		318
Interest rate lock commitments		25		-		25		-		25
Financial liabilities
Deposits	$	(258,315)	$	(121,132)	$	(137,700)	$	-	$	(258,832)
FHLB advances and other borrowings		(14,500)		-		(14,663)		-		(14,663)
Advances by borrowers for taxes and insurance		(401)		-		-		(401)		(401)
Subordinated debentures		(5,155)		-		(2,536)		-		(2,536)
Accrued interest payable		(48)		-		(48)		-		(48)
Interest-rate swaps		(318)		-		(318)		-		(318)

The carrying amounts and estimated fair values of financial instruments at December 31, 2013 were as follows:

	Fair Value Measurements at December 31, 2013 Using:
	Carrying
	Value		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	19,160	$	19,160	$	-	$	-	$	19,160
Interest-bearing deposits in other financial institutions		1,982		1,982		-		-		1,982
Securities available for sale		9,672		-		9,672		-		9,672
Loans held for sale		3,285		-		3,285		-		3,285
Loans, net		207,141		-		-		207,445		207,445
FHLB stock		1,942		n/a		n/a		n/a		n/a
Accrued interest receivable		50		4		46		-		50
Yield maintenance provisions (embedded derivatives)		599		-		599		-		599
Interest rate lock commitments		16		-		16		-		16
Financial liabilities
Deposits	$	(208,309)	$	(89,266)	$	(119,933)	$	-	$	(209,199)
FHLB advances and other borrowings		(16,526)		-		(10,051)		(6,526)		(16,577)
Subordinated debentures		(5,155)		-		(3,004)		-		(3,004)
Accrued interest payable		(255)		-		(255)		-		(255)
Interest-rate swaps		(599)		-		(599)		-		(599)

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Regulatory Capital Matters (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Proceeds from sale of office buildings, furniture and fixtures	$ 3,200,000
Gain on sale of fixed assets	1,100,000
Percent of Qualified Thrift Lender test requires	65.00%
Opening Balance in Liquidation Account	14,300,000
CF Bank [Member]
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	12.00%
Capital contribution from Holding Company		$ 1,500,000

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Summary of Significant Accounting Policies (Details) (USD $)	12 Months Ended
	Dec. 31, 2014 store	Dec. 31, 2013	Dec. 31, 2012
Significant Accounting Policies [Line Items]
Stock split description		On May 4, 2012, the Company completed a 1-for-5 reverse stock split, whereby every 5 shares of the Company's common stock were reclassified into one share of common stock.
Reverse stock split ratio		0.2
Number of full-service banking offices	4
Collateral pledged to secure advances	$ 36,887,000.00	$ 28,493,000.00
Balances of loans of all other classes while impairment evaluation	250,000
Allowance for loans loss reduction	250,000
Tax benefit greater than being realized on examination	50.00%
Loan servicing fees, net	17,000	19,000	26,000
Estimated life of intangible asset	4 years 6 months
Cash [Member]
Significant Accounting Policies [Line Items]
Collateral pledged to secure advances	$ 3,300,000	$ 3,300,000
Minimum [Member] | Land, buildings and improvements [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	3 years
Minimum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	2 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Home equity lines of credit combined with the balance of the prior mortgage liens	89.90%
Maximum [Member] | Land, buildings and improvements [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	40 years
Maximum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life	25 years
Single-family residential [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Residential real estate loan amount for portfolio	85.00%
Multi-family residential [Member]
Significant Accounting Policies [Line Items]
Residential real estate loan amount for portfolio	85.00%
Multi-family residential [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period	3 years
Multi-family residential [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period	5 years
Commercial Real Estate [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period	3 years
Commercial Real Estate [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Residential real estate loan amount for portfolio	80.00%
Fixed rates loans limit, period	5 years
Construction Loans [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Residential real estate loan amount for portfolio	75.00%
Maturity of construction loans convert to permanent loans	30 years

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Regulatory Capital Matters (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Matters [Abstract]

Actual and required capital amounts and ratios of CFBank

							To Be Well
							Capitalized Under
				For Capital			Applicable Regulatory			Required By
	Actual			Adequacy Purposes			Capital Standards			OCC
	Amount		Ratio	Amount		Ratio	Amount		Ratio	Amount		Ratio
December 31, 2014
Total Capital to risk
weighted assets	$	37,898	14.18%	$	21,379	8.00%	$	26,724	10.00%	$	32,069	12.00%
Tier 1 (Core) Capital to risk
weighted assets		34,520	12.92%		10,690	4.00%		16,034	6.00%		N/A	N/A
Tier 1 (Core) Capital to
adjusted total assets		34,520	11.03%		12,515	4.00%		15,643	5.00%		25,029	8.00%
Tangible Capital to
adjusted total assets		34,520	11.03%		4,693	1.50%		N/A	N/A		N/A	N/A

							To Be Well
							Capitalized Under
				For Capital			Applicable Regulatory			Required By
	Actual			Adequacy Purposes			Capital Standards			OCC
	Amount		Ratio	Amount		Ratio	Amount		Ratio	Amount		Ratio
December 31,2013
Total Capital to risk
weighted assets	$	26,246	12.08%	$	17,385	8.00%	$	21,731	10.00%	$	26,078	12.00%
Tier 1 (Core) Capital to risk
weighted assets		23,942	10.81%		8,693	4.00%		13,039	6.00%		N/A	N/A
Tier 1 (Core) Capital to
adjusted total assets		23,942	9.34%		10,061	4.00%		12,576	5.00%		20,121	8.00%
Tangible Capital to
adjusted total assets		23,492	9.34%		3,773	1.50%		N/A	N/A		N/A	N/A

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Parent Company Only Condensed Financial Information (Condensed Statements Of Cash Flows) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities
Net income (loss)	$ 479	$ (918)	$ (3,766)
Net cash from (used by) operating activities	1,055	(4,134)	(960)
Cash flows from investing activities
Net cash from (used by) investing activities	(50,917)	(43,457)	(3,264)
Cash flows from financing activities
Net proceeds from issuance of common stock			20,221
Cash dividends paid on Series B preferred stock	(233)
Net proceeds from issuance of Series B preferred stock	11,369
Net cash from (used by) financing activities	58,909	41,599	(32,060)
Net change in cash and cash equivalents	9,047	(5,992)	(36,284)
Beginning cash and cash equivalents	19,160	25,152	61,436
Ending cash and cash equivalents	28,207	19,160	25,152
Parent Company [Member]
Cash flows from operating activities
Net income (loss)	479	(918)	(3,766)
Effect of subsidiaries' operations	(1,065)	205	3,189
Change in other assets and other liabilities	(1,142)	(1,052)	173
Net cash from (used by) operating activities	(1,728)	(1,765)	(404)
Cash flows from investing activities
Investment in bank subsidiary	(9,700)	(1,500)	(13,500)
Investments in other subsidiaries	54	1,866	(3)
Net cash from (used by) investing activities	(9,646)	366	(13,503)
Cash flows from financing activities
Stock issuance costs		(11)
Redemption of TARP obligation			(3,000)
Net proceeds from issuance of common stock			21,020
Cash dividends paid on Series B preferred stock	(233)
Net proceeds from issuance of Series B preferred stock	11,369
Net cash from (used by) financing activities	11,136	(11)	18,020
Net change in cash and cash equivalents	(238)	(1,410)	4,113
Beginning cash and cash equivalents	3,263	4,673	560
Ending cash and cash equivalents	$ 3,025	$ 3,263	$ 4,673

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Loans (Loans Modified As TDRs By Class Of Loans) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014 loan	Dec. 31, 2013 loan
Financing Receivable, Modifications [Line Items]
Number of Loans	1	4
Pre-Modification Recorded Investment	$ 104	$ 2,469
Post-Modification Recorded Investment	100	2,416
Financing Receivable, Modifications, Recorded Investment	5,700	6,100
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans	1	1
Pre-Modification Recorded Investment	104	126
Post-Modification Recorded Investment	100	126
Single-Family Residential[Member]
Financing Receivable, Modifications [Line Items]
Number of Loans		1
Pre-Modification Recorded Investment		346
Post-Modification Recorded Investment		350
Multi-Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans		1
Pre-Modification Recorded Investment		1,760
Post-Modification Recorded Investment		1,701
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans		1
Pre-Modification Recorded Investment		237
Post-Modification Recorded Investment		$ 239

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Contingent Liabilities (Details) (USD $) In Thousands, unless otherwise specified	Aug. 17, 2012
Contingent Liabilities [Abstract]
Cost of annuitization of benefits	$ 908
Cost of obtaining the letter of credit	$ 9

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Regulatory Order Considerations (Narrative) (Details) (USD $)	0 Months Ended	12 Months Ended			3 Months Ended
	Aug. 20, 2012	Dec. 31, 2014	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014
Regulatory Order Considarations [Line Items]
Tier One Leverage Capital Required to be Well Capitalized to Average Assets		5.00%		5.00%	5.00%
Capital Required to be Well Capitalized to Risk Weighted Assets		10.00%		10.00%	10.00%
Brokered Deposits		$ 29,308,000			$ 29,308,000
Unpledged securities and deposits in other financial institutions		28,309,000			28,309,000
Improvement of capital ratio payment		13,500,000
Sales of common stock		15,935,417	15,000,000	15,935,417	15,935,417
Share Price			$ 1.50
Proceeds from sale of common stock	22,500,000		20,221,000
Preferred stock dividend amount		421,000	289,000
CF Bank [Member]
Regulatory Order Considarations [Line Items]
Tier One Leverage Capital Required to be Well Capitalized to Average Assets		8.00%			8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets		12.00%			12.00%
Capital contribution				1,500,000
Series B Preferred Stock [Member]
Regulatory Order Considarations [Line Items]
Preferred stock dividend amount					$ 187,500	$ 174,600	$ 58,600

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Fair Value (Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financial Assets:
Total securities available for sale	$ 10,445	$ 9,672
Loans held for sale	1,672	3,285
Yield maintenance provisions	318	599	990
Interest rate lock commitments	25	16
Financial Liabilities:
Interest-rate swaps	318	599
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	10,445	9,672
Loans held for sale	1,672	3,285
Yield maintenance provisions	318	599
Interest rate lock commitments	25	16
Financial Liabilities:
Interest-rate swaps	318	599
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	10,445	9,672
Loans held for sale	1,672	3,285
Fair Value, Measurements, Recurring [Member] | Corporate Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	2,936	4,363
Fair Value, Measurements, Recurring [Member] | State and Municipal [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	886	1,919
Fair Value, Measurements, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	5,011
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	727	983
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	885	2,407
Fair Value, Measurements, Recurring [Member] | Yield maintenance provisions (embedded derivatives) [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Yield maintenance provisions	318	599
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments	25	16
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
Interest-rate swaps	$ 318	$ 599

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Related-Party Transactions (Narrative) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Related-Party Transactions [Abstract]
Deposits from principal officers, directors, and their affiliates	$ 550	$ 256

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Related-Party Transactions (Tables)

12 Months Ended

Dec. 31, 2014

Related-Party Transactions [Abstract]

Loans to Principal Officers, Directors and Affiliates

Beginning balance	$	712
New loans		-
Effect of changes in composition of related parties		-
Repayments		(30)
Ending balance	$	682

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Accumulated Other Comprehensive Income

12 Months Ended

Dec. 31, 2014

Accumulated Other Comprehensive Income [Abstract]

Accumulated Other Comprehensive Income

NOTE 25-  ACCUMULATED OTHER COMPREHENSIVE INCOME

The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the year ended December 31, 2014 and December 31, 2013 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive income:

Changes in Accumulated Other Comprehensive Income by Component
For the Year Ended December 31, 2014 and 2013  (1)
	Unrealized Gains and Losses on Available-for-Sale Securities
	2014		2013
Accumulated other comprehensive income (loss), beginning of period	$	98	$	107
Other comprehensive income (loss) before reclassifications		(47)		(9)
Amount reclassified from accumulated other comprehensive income (2)		-		-
Net current-period other comprehensive income (loss)		(47)		(9)
Accumulated other comprehensive income (loss), end of period	$	51	$	98

(1) All amounts are net of tax.  Amounts in parentheses indicate a reduction of other comprehensive income.

There were no amounts reclassified out of other comprehensive income for the year ended December 31, 2014 and 2013.

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Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Impaired loans:
Total impaired loans	$ 7,111	$ 10,654
Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	794	2,480
Commercial Portfolio Segment [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	157
Single-Family Residential[Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	123	316
Multi-Family Residential [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans		1,301
Real Estate, Commercial, Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	225	234
Real Estate, Commercial, Land Acquisition [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	$ 289	$ 629

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Parent Company Only Condensed Financial Information (Narrative) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Parent Company Only Condensed Financial Information [Abstract]
Total original investment into joint ventures	$ 2,184	$ 1,139
Incentive payment recognized as income	$ 223	$ 102

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Foreclosed Assets (Narrative) (Details) (Multi-Family Residential [Member])	12 Months Ended
	Dec. 31, 2013 property	Dec. 31, 2014 property
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Number of Properties	1	1
Number of Properties transferred into REO	1

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Premises And Equipment (Rent Commitments) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014
Premises And Equipment [Abstract]
2015	$ 294
2016	295
2017	320
2018	321
2019	322
Thereafter	1,507
Total	$ 3,059

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Securities (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Unrealized loss	$ 19,000	$ 15,000
Issued by U.S. Government-Sponsored Entities and Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Minimum percentage of securities hold	10.00%	10.00%
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Unrealized loss	$ 0	$ 0

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Stock-Based Compensation (Information Related To Plans) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Stock-Based Compensation [Abstract]
Weighted average fair value of options granted	$ 0.00	$ 1.03	$ 0.91

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Foreclosed Assets (Expenses Related To Foreclosed Assets) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Disclosure Foreclosed Assets Expenses Related To Foreclosed Assets [Abstract]
Net loss (gain) on sales		$ (28)	$ (338)
Provision for unrealized losses			962
Operating expenses, net of rental income	328	73	28
Foreclosed assets, net	$ 328	$ 45	$ 652

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Loan Servicing (Activity for Mortgage Servicing Rights and Related Valuation Allowance) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Servicing rights, net of valuation allowance:
Beginning of year	$ 20	$ 29	$ 37
Amortized to expense	(5)	(9)	(9)
Change in valuation allowance			1
End of year	15	20	29
Valuation allowance:
Beginning of year	1	1	2
Reductions credited to operations			(1)
End of year	$ 1	$ 1	$ 1

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Fair Value (Aggregate Fair Value, Contractual Balance (Including Accrued Interest) And Gain Or Loss) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Fair Value [Abstract]
Aggregate fair value	$ 1,672	$ 3,285
Contractual balance	1,657	3,270
Gain (loss)	$ 15	$ 15

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Premises And Equipment (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]
Depreciation	$ 232,000	$ 205,000	$ 237,000
Proceeds from sale of office buildings, furniture and fixtures	3,200,000
Gain on sale of fixed assets	1,100,000
Operating Leases Term	5 years
Renewal option term	128 months
Lease expenses	320,000		0
Land [Member]
Property, Plant and Equipment [Line Items]
Assets held for sale			167,000
Land sold		$ 167,000
Fairlawn Branch [Member]
Property, Plant and Equipment [Line Items]
Operating Leases Term	10 years

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Fair Value (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,672,000	$ 3,285,000
Unpaid principal balance of impairment loan at collateral	867,000	3,465,000
Valuation allowance	20,000	985,000
Assets measured at fair value on a recurring basis	0	0
Asset And Liabilities Transfers Between Levels	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,672,000	3,285,000
Assets measured at fair value on a nonrecurring basis	0	0
Liabilities measured at fair value on a nonrecurring basis	0	0
Fair Value, Inputs, Level 2 [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,833,000
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liabilities measured at fair value on a recurring basis	0	0
Assets measured at fair value on a nonrecurring basis	0	0
Liabilities measured at fair value on a nonrecurring basis	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	0	0
Liabilities measured at fair value on a recurring basis	$ 0	$ 0

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Loans (Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	$ 422	$ 2,571
Financing Receivable Recorded Investment Nonaccrual Status	1,548	5,738
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	249	442
Financing Receivable Recorded Investment Nonaccrual Status	369	563
Single-Family Residential[Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	173	190
Financing Receivable Recorded Investment Nonaccrual Status	549	479
Multi-Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total		1,701
Financing Receivable Recorded Investment Nonaccrual Status		1,701
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable Recorded Investment Nonaccrual Status	477	1,453
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total		238
Financing Receivable Recorded Investment Nonaccrual Status		$ 1,070

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Preferred Stock

12 Months Ended

Dec. 31, 2014

Preferred Stock [Abstract]

Preferred Stock

NOTE 17 – PREFERRED STOCK 

Series B Preferred Stock

Commencing in April 2014, the Company conducted a private placement of up to 480,000 shares of its 6.25% Non-Cumulative Convertible Perpetual Preferred Stock, Series B (“Series B Preferred Stock”) for an offering price of $25.00 per share (the “Private Placement”).  Pursuant to the Private Placement, the Company sold an aggregate of 480,000 shares of Series B Preferred Stock on May 12, 2014 and July 15, 2014, for an aggregate offering price of $12,000.  The Series B Preferred Stock was sold by the Company with the assistance of McDonald Partners, LLC, as placement agent, on a best efforts basis.  After payment of approximately $482 in placement fees to McDonald Partners, LLC and approximately $149 of other offering expenses, the Company’s net proceeds from its sale of the 480,000 shares of Series B Preferred Stock in the Private Placement were approximately $11,369.  

For each share of Series B Preferred Stock sold in the Private Placement, the Company also agreed to issue, at no additional charge, a Warrant to purchase (i) 2.00 shares of common stock of the Company if the purchaser purchased less than $700(28,000 shares) of Series B Preferred Stock in the Private Placement, or (ii) 3.25 shares of common stock if the purchaser purchased $700(28,000 shares) or more of Series B Preferred Stock in the Private Placement.  See Note 18- Warrants for additional information.  

The Series B Preferred Stock and Warrants have not been registered under the Securities Act of 1933, as amended (the “Securities Act”), or under the securities laws of any state in reliance upon exemptions from registration thereunder, including the exemptions provided under Section 4(a)(2) of the Securities Act and Rule 506(b) promulgated thereunder.  The Series B Preferred Stock and Warrants were sold solely to “accredited investors” as defined in Rule 501(a), and neither the Series B Preferred Stock or Warrants, nor any shares of common stock of the Company into which the Series B Preferred Stock may be converted or for which the Warrants may be exercised, may be resold for a period of at least six months from the date of issue without registration or an exemption from registration under the Securities Act and applicable state securities laws.  However, the Company has agreed to provide certain registration rights to the holders of the Warrants pursuant to the terms of a Registration Rights Agreement between the Company and each purchaser of Series B Preferred Stock and Warrants in the Private Placement.

Troubled Asset Relief Program (TARP)

On December 5, 2008, in connection with the Troubled Asset Relief Program (TARP) Capital Purchase Program, the Company issued to the Department of the Treasury (“Treasury”) 7,225 shares of Central Federal Corporation Fixed Rate Cumulative Perpetual Preferred Stock, Series A (Preferred Stock) for $7,225.  The Preferred Stock initially paid quarterly dividends at a five percent annual rate, which rate was scheduled to increase to nine percent after February 14, 2014, on a liquidation preference of $1,000 per share. 

On July 13, 2012, the Company received approval from the FRB of Cleveland of an agreement with Treasury to redeem the Preferred Stock, including all accrued but unpaid dividends and the common stock warrant issued in connection with the TARP Capital Purchase Program (together, the “TARP obligations”)  using proceeds of the Holding Company’s common stock offering.  On August 23, 2012, the Company received regulatory non-objection from the OCC for redemption of the TARP obligations.

On September 26, 2012, pursuant to the agreement with the Treasury, the Company utilized $3,000 of the proceeds from its August 2012 stock offering to redeem the TARP obligations including deferred dividends totaling $801. The redemption included satisfaction of common stock warrants associated with the preferred stock.  The redemption was completed at a discount and resulted in an increase in common stockholders’ equity of $4,960.See Note 18 - Warrants for additional information.

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Loan Commitments And Other Related Activities (Tables)

12 Months Ended

Dec. 31, 2014

Loan Commitments And Other Related Activities [Abstract]

Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk

	2014				2013
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	14,992	$	17,339	$	8,169	$	11,569
Unused lines of credit	$	189	$	26,955	$	47	$	22,993
Standby letters of credit	$	-	$	-	$	-	$	-

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Deposits (Tables)

12 Months Ended

Dec. 31, 2014

Deposits [Abstract]

Scheduled Maturities of Time Deposits

2015	$	103,271
2016		20,714
2017		8,516
2018		2,522
2019		2,160
Thereafter		-
Total	$	137,183

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Foreclosed Assets (Activity In Valuation Allowance) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2014	Dec. 31, 2013
Disclosure Foreclosed Assets Activity In Valuation Allowance [Abstract]
Beginning of the year
Additions charged to expense	962
Direct write downs	(2,101)
End of year

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Other Borrowings (Assets Pledged As Collateral With FRB) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	$ 56,586,000.00	$ 48,312,000.00
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	18,111,000	19,591,000
Real Estate, Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	$ 38,475,000	$ 28,721,000

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Loans (Tables)

12 Months Ended

Dec. 31, 2014

Loans [Abstract]

Schedule Of Loan Portfolio Segments

	December 31,		December 31,
	2014		2013
Commercial	$	46,656	$	37,526
Real estate:
Single-family residential		51,542		32,219
Multi-family residential		28,863		32,197
Commercial		91,404		83,752
Construction		23,732		11,465
Consumer:
Home equity lines of credit		16,955		14,851
Other		4,995		860
Subtotal		264,147		212,870
Less: ALLL		(6,316)		(5,729)
Loans, net	$	257,831	$	207,141

Activity in ALLL by portfolio segment

	December 31, 2014
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,759	$	120	$	1,262	$	2,325	$	119	$	139	$	5	$	5,729
Addition to (reduction in) provision for loan losses		(374)		510		(444)		(128)		323		304		87		278
Charge-offs		(44)		-		-		(5)		-		(26)		-		(75)
Recoveries		5		4		-		349		-		24		2		384
Ending balance	$	1,346	$	634	$	818	$	2,541	$	442	$	441	$	94	$	6,316

	December 31, 2013
			Real Estate								Consumer
	Commercial		Single-family		Multi-family		Commercial		Construction		Home Equity lines of credit		Other		Total
Beginning balance	$	1,311	$	332	$	1,396	$	1,946	$	-	$	241	$	11	$	5,237
Addition to (reduction in) provision for loan losses		407		(51)		(163)		319		119		(114)		(21)		496
Charge-offs		-		(164)		(59)		(6)		-		(17)		(6)		(252)
Recoveries		41		3		88		66		-		29		21		248
Ending balance	$	1,759	$	120	$	1,262	$	2,325	$	119	$	139	$	5	$	5,729

	December 31, 2012
			Real Estate								Consumer
			Single-		Multi-						Home Equity
	Commercial		family		family		Commercial		Construction		lines of credit		Other		Total
Beginning balance	$	2,281	$	207	$	1,470	$	1,863	$	-	$	272	$	17	$	6,110
Addition to (reduction in) provision for loan losses		(1,251)		180		700		1,412		-		78		10		1,129
Charge-offs		(99)		(64)		(796)		(1,467)		-		(126)		(39)		(2,591)
Recoveries		380		9		22		138		-		17		23		589
Ending balance	$	1,311	$	332	$	1,396	$	1,946	$	-	$	241	$	11	$	5,237

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014:  

			Real Estate								Consumer
	Commercial		Single- family		Multi- family		Commercial		Construction		Home Equity lines of credit		Other		Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	29	$	-	$	1	$	34	$	-	$	-	$	-	$	64
Collectively evaluated for impairment		1,317		634		817		2,507		442		441		94		6,252
Total ending allowance balance	$	1,346	$	634	$	818	$	2,541	$	442	$	441	$	94	$	6,316
Loans:
Individually evaluated for impairment	$	631	$	296	$	1,634	$	3,709	$	-	$	-	$	-	$	6,270
Collectively evaluated for impairment		46,025		51,246		27,229		87,695		23,732		16,955		4,995		257,877
Total ending loan balance	$	46,656	$	51,542	$	28,863	$	91,404	$	23,732	$	16,955	$	4,995	$	264,147

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013:  

			Real Estate								Consumer
	Commercial		Single- family		Multi- family		Commercial		Construction		Home Equity lines of credit		Other		Total
ALLL:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	532	$	-	$	402	$	191	$	-	$	-	$	-	$	1,125
Collectively evaluated for impairment		1,227		120		860		2,134		119		139		5		4,604
Total ending allowance balance	$	1,759	$	120	$	1,262	$	2,325	$	119	$	139	$	5	$	5,729
Loans:
Individually evaluated for impairment		992	$	317	$	1,759	$	5,845	$	-	$	-	$	-	$	8,913
Collectively evaluated for impairment		36,534		31,902		30,438		77,907		11,465		14,851		860		203,957
Total ending loan balance	$	37,526	$	32,219	$	32,197	$	83,752	$	11,465	$	14,851	$	860	$	212,870

Individually evaluated for impairment by class of loans

	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	135	$	121	$	-	$	121	$	-
Real estate:
Single-family residential		334		173		-		180		-
Multi-family residential		1,581		1,581		-		1,631		-
Commercial:
Non-owner occupied		577		477		-		502		-
Owner occupied		708		187		-		208		-
Land		-		-		-		-		-
Total with no allowance recorded		3,335		2,539		-		2,642		-
With an allowance recorded:
Commercial		510		510		29		766		22
Real estate:
Single-family residential		123		123		-		125		7
Multi-family residential		53		53		1		56		13
Commercial:
Non-owner occupied		2,360		2,360		17		2,123		134
Owner occupied		381		381		2		388		25
Land		349		304		15		327		20
Total with an allowance recorded		3,776		3,731		64		3,785		221
Total	$	7,111	$	6,270	$	64	$	6,427	$	221

The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2013. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest.

	Unpaid Principal Balance		Recorded Investment		ALLL Allocated		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	135	$	120	$	-	$	292	$	-
Real estate:
Single-family residential		352		191		-		-		-
Multi-family residential		-		-		-		185		-
Commercial:
Non-owner occupied		2,022		1,453		-		1,895		-
Owner occupied		2,021		1,070		-		1,392		-
Land		-		-		-		423		-
Total with no allowance recorded		4,530		2,834		-		4,187		-
With an allowance recorded:
Commercial		872		872		532		815		26
Real estate:
Single-family residential		126		126		-		454		8
Multi-family residential		1,759		1,759		402		1,880		4
Commercial:
Non-owner occupied		2,158		2,158		46		2,191		139
Owner occupied		397		397		7		162		24
Land		812		767		138		370		22
Total with an allowance recorded		6,124		6,079		1,125		5,872		223
Total	$	10,654	$	8,913	$	1,125	$	10,059	$	223

Recorded investment in nonaccrual loans by class of loans

	December 31,		December 31,
	2014		2013
Loans past due over 90 days still on accrual	$	-	$	-
Nonaccrual loans:
Commercial		369		563
Real estate:
Single-family residential		549		479
Multi-family residential		-		1,701
Commercial:
Non-owner occupied		477		1,453
Owner occupied		-		1,070
Land		-		420
Consumer:
Home equity lines of credit:		51		-
Originated for portfolio		102		52
Total nonaccrual		1,548		5,738
Total nonperforming loans	$	1,548	$	5,738

Aging of recorded investment in past due loans by class of loans

	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Nonaccrual Loans Not > 90 days Past Due
Commercial	$	19	$	-	$	121	$	140	$	46,516	$	248
Real estate:
Single-family residential		525		55		68		648		50,894		481
Multi-family residential		-		-		-		-		28,863		-
Commercial:
Non-owner occupied		115		-		-		115		49,027		477
Owner occupied		-		-		-		-		35,991		-
Land		-		-		-		-		6,271		-
Construction		52		-		-		52		23,680		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		-		51		51		15,469		-
Purchased for portfolio		30		102		-		132		1,303		102
Other		5		10		-		15		4,980		-
Total	$	746	$	167	$	240	$	1,153	$	262,994	$	1,308

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2013:  

	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Nonaccrual Loans Not > 90 days Past Due
Commercial	$	-	$	-	$	121	$	121	$	37,405	$	442
Real estate:
Single-family residential		352		268		247		867		31,352		232
Multi-family residential		-		-		-		-		32,197		1,701
Commercial:
Non-owner occupied		-		-		923		923		42,199		530
Owner occupied		-		-		-		-		35,202		1,070
Land		-		-		420		420		5,008		-
Construction		-		-		-		-		11,465		-
Consumer:
Home equity lines of credit:
Originated for portfolio		52		-		-		52		12,930		52
Purchased for portfolio		123		-		-		123		1,746		-
Other		2		11		-		13		847		-
Total	$	529	$	279	$	1,711	$	2,519	$	210,351	$	4,027

Loans modified as TDRs by class of loans

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial		1	$	104	$	100
		1	$	104	$	100

The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2013:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial		1	$	126	$	126
Real estate:
Single-family residential		1		346		350
Multi-family residential		1		1,760		1,701
Commercial:
Non-owner occupied		-		-		-
Owner occupied		1		237		239
Land		-		-		-
Construction		-		-		-
Consumer:
Home equity lines of credit:
Originated for portfolio		-		-		-
Purchased for portfolio		-		-		-
Other		-		-		-
		4	$	2,469	$	2,416

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

	December 31, 2014		December 31, 2013
Commercial	$	249	$	442
Real estate:
Single-family residential		173		190
Multi-family residential		-		1,701
Commercial:
Non-owner occupied		-		-
Owner occupied		-		238
Total	$	422	$	2,571

Financing Receivable Credit Quality Indicators

	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	1,090	$	44,663	$	443	$	460	$	46,656
Real estate:
Single-family residential		50,961		-		-		581		51,542
Multi-family residential		-		26,481		-		2,382		28,863
Commercial:
Non-owner occupied		139		43,665		89		5,249		49,142
Owner occupied		-		33,389		1,508		1,094		35,991
Land		78		3,428		-		2,765		6,271
Construction		8,673		15,059		-		-		23,732
Consumer:
Home equity lines of credit:
Originated for portfolio		15,370		-		-		150		15,520
Purchased for portfolio		858		-		313		264		1,435
Other		4,995		-		-		-		4,995
	$	82,164	$	166,685	$	2,353	$	12,945	$	264,147

The recorded investment in loans by risk category and class of loans as of December 31, 2013 follows:

	Not Rated		Pass		Special Mention		Substandard		Total
Commercial	$	228	$	35,424	$	921	$	953	$	37,526
Real estate:
Single-family residential		31,685		-		-		534		32,219
Multi-family residential		-		29,667		-		2,530		32,197
Commercial:
Non-owner occupied		3,170		34,834		556		4,561		43,121
Owner occupied		-		31,489		1,045		2,669		35,203
Land		87		2,023		-		3,318		5,428
Construction		2,115		9,350		-		-		11,465
Consumer:
Home equity lines of credit:
Originated for portfolio		12,828		-		-		154		12,982
Purchased for portfolio		1,285		-		414		170		1,869
Other		860		-		-		-		860
	$	52,258	$	142,787	$	2,936	$	14,889	$	212,870

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Earnings (Loss) Per Common Share (Tables)

12 Months Ended

Dec. 31, 2014

Earnings (Loss) Per Common Share [Abstract]

Computation of Earnings Per Share

	2014		2013		2012
Basic
Net earnings (loss)	$	479	$	(918)	$	(3,766)
Dividends on Series A preferred stock, discount on redemption and accretion of discount, net		-		-		4,632
Dividends on Series B preferred stock and accretion of discount		(421)		-		-
Earnings (loss) allocated to common stockholders	$	58	$	(918)	$	866
Weighted average common shares outstanding including unvested share-based payment awards		15,823,710		15,823,834		6,317,032
Less: Unvested share-based payment awards		-		(210)		(2,331)
Average shares		15,823,710		15,823,624		6,314,701
Basic earnings (loss) per common share	$	0.00	$	(0.06)	$	0.14
Diluted
Net earnings (loss) allocated to common stockholders	$	58	$	(918)	$	866
Weighted average common shares outstanding for basic earnings (loss) per common share		15,823,710		15,823,624		6,314,701
Add: Dilutive effects of assumed exercises of stock options		30,279		-		948
Add: Dilutive effects of assumed exercises of stock warrants		-		-		-
Average shares and dilutive potential common shares		15,853,989		15,823,624		6,315,649
Diluted earnings (loss) per common share	$	0.00	$	(0.06)	$	0.14

Summary of Anti-Dilutive Options or Warrants

	2014	2013	2012
Stock options	245,381	639,686	40,502
Series B preferred stock	6,857,143	-	-
Stock warrants	1,152,125	-	49,474

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Loans (Individually Evaluated For Impairment By Class Of Loans) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 3,335	$ 4,530
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	3,776	6,124
Impaired Financing Receivable, Unpaid Principal Balance, Total	7,111	10,654
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,539	2,834
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,731	6,079
Impaired Financing Receivable, Recorded Investment, Total	6,270	8,913
Impaired Financing Receivable, Allocated Loans and Leases	64	1,125
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	2,642	4,187
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,785	5,872
Impaired Financing Receivable, Average Recorded Investment, Total	6,427	10,059
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	221	223
Impaired Financing Receivable, Interest Income Recognized, Total	221	223
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	135	135
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	510	872
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	121	120
Impaired Financing Receivable, with Related Allowance, Recorded Investment	510	872
Impaired Financing Receivable, Allocated Loans and Leases	29	532
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	121	292
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	766	815
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	22	26
Single-Family Residential[Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	334	352
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	123	126
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	173	191
Impaired Financing Receivable, with Related Allowance, Recorded Investment	123	126
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	180
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	125	454
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	7	8
Multi-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,581
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	53	1,759
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,581
Impaired Financing Receivable, with Related Allowance, Recorded Investment	53	1,759
Impaired Financing Receivable, Allocated Loans and Leases	1	402
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,631	185
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	56	1,880
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	13	4
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	577	2,022
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	2,360	2,158
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	477	1,453
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,360	2,158
Impaired Financing Receivable, Allocated Loans and Leases	17	46
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	502	1,895
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	2,123	2,191
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	134	139
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	708	2,021
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	381	397
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	187	1,070
Impaired Financing Receivable, with Related Allowance, Recorded Investment	381	397
Impaired Financing Receivable, Allocated Loans and Leases	2	7
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	208	1,392
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	388	162
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	25	24
Real Estate, Commercial, Land Acquisition [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	349	812
Impaired Financing Receivable, with Related Allowance, Recorded Investment	304	767
Impaired Financing Receivable, Allocated Loans and Leases	15	138
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment		423
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	327	370
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 20	$ 22

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Common Stock Warrant (Details) (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Class of Warrant or Right [Line Items]
Warrants issued	67,314
Warrant, value	$ 1,100
Warrant exercise period	5 years
Exercise price of warrant	$ 16.10
Common Stock
Class of Warrant or Right [Line Items]
Warrants issued	1,152,125
Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	2.00
Warrant, value	700
Warrant, shares	28,000
Exercise price of warrant	$ 1.85
Preferred stock, share authorized	480,000	480,000
Common Stock
Class of Warrant or Right [Line Items]
Warrants issued	3.25
Warrant, value	$ 700
Warrant, shares	28,000

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Securities (Fair value Of Securities Pledged) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Pledged as collateral for:
FHLB advances	$ 4,208	$ 2,024	$ 4,707
Public deposits	2,476	905	2,199
Interest-rate swaps	353	443	1,511
Total	$ 7,037	$ 3,372	$ 8,417

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Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2014

Stock-Based Compensation [Abstract]

Stock Option Valuation Assumptions

	2014	2013	2012
Risk-free interest rate	0.00%	1.60%	1.23%
Expected term (years)	0	6	7
Expected stock price volatility	0%	88%	78%
Dividend yield	0.00%	0.00%	0.00%

Summary Of Stock Option Activity

	Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (Years)	Intrinsic Value
Outstanding at beginning of year	639,686	$	1.70
Granted	-		-
Exercised	-		-
Expired	(1,200)		63.00
Cancelled or Forfeited	(17,090)		2.58
Outstanding at end of period	621,396	$	1.56	8.4	$	-
Expected to vest	343,331	$	1.40	8.5	$	-
Exercisable at end of period	278,065	$	1.75	8.2	$	-

Information related to the Plans

	2014		2013		2012
Intrinsic value of options exercised	$	-	$	-	$	-
Cash received from option exercises		-		-		-
Tax benefit realized from option exercises		-		-		-
Weighted average fair value of options granted	$	0.00	$	1.03	$	0.91

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Summary Of Significant Accounting Policies

12 Months Ended

Dec. 31, 2014

Summary Of Significant Accounting Policies [Abstract]

Summary Of Significant Accounting Policies

NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations and Principles of Consolidation:  The consolidated financial statements include Central Federal Corporation (the “Holding Company”) and its wholly-owned subsidiaries, CFBank, Ghent Road, Inc., and Smith Ghent LLC (together referred to as the “Company”).  Ghent Road, Inc. was formed in 2006 and owned the land adjacent to the corporate office, and Smith Ghent LLC owned the office building on such land.  During October 2013, the Company consummated a sale of its corporate office building and adjacent land, and relocated its main office branch to a nearby location.  After the sale was finalized, Ghent Road, Inc. and Smith Ghent LLC were legally dissolved prior to year-end 2013.  However, the results of operations of Ghent Road, Inc. and Smith Ghent LLC for 2013 prior to dissolution are included in these consolidated financial statements. Intercompany transactions and balances are eliminated in consolidation. 

CFBank provides financial services through its four full-service banking offices in Fairlawn, Calcutta, Wellsville and Worthington, Ohio, and through its loan production office in Woodmere, Ohio (opened in first quarter 2014).  Its primary deposit products are commercial and retail checking, savings, money market and term certificate accounts. Its primary lending products are commercial and commercial real estate, residential mortgages and installment loans.  There are no significant concentrations of loans to any one industry or customer segment.  However, our customers’ ability to repay their loans is dependent on general economic conditions and the real estate values in their geographic areas. 

Use of Estimates:  To prepare financial statements in conformity with U.S. generally accepted accounting principles (GAAP), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses (ALLL), deferred tax assets and fair values of financial instruments are particularly subject to change.

Cash Flows:  Cash and cash equivalents include cash, deposits with other financial institutions with maturities fewer than 90 days and federal funds sold.  Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and borrowings with original maturities under 90 days.

Interest-Bearing Deposits in Other Financial Institutions:  Interest‑bearing deposits in other financial institutions mature at various times through November 2015 and are carried at cost.

Securities:  Debt securities are classified as available for sale when they might be sold before maturity. Equity securities with readily determinable fair values are classified as available for sale.  Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income. 

Interest income includes amortization of purchase premium or accretion of discount.  Premiums and discounts on securities are amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated based on industry payment trends.  Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or will more likely than not be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

Loans Held for Sale:  Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released.  The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing rights when mortgage loans held for sale are sold with servicing rights retained.  Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market.  Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

Loans:  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, adjusted for purchase premiums and discounts, deferred loan fees and costs, accrued interest receivable and an allowance for loan losses (ALLL).  Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level‑yield method without anticipating prepayments. The recorded investment in loans includes accrued interest receivable. 

The accrual of interest income on all classes of loans, except other consumer loans, is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection.  Other consumer loans are typically charged off no later than 90 days past due.  Past due status is based on the contractual terms of the loan for all classes of loans.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.  Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.  Commercial, multi-family residential real estate loans and commercial real estate loans placed on nonaccrual status are individually classified as impaired loans.

All interest accrued but not received for loans placed on nonaccrual is reversed against interest income in the period in which it is placed in a nonaccrual status.  Interest received on such loans is accounted for on the cash-basis or cost‑recovery method, until qualifying for return to accrual status.  Loans are considered for return to accrual status provided all the principal and interest amounts that are contractually due are brought current, there is a current and well documented credit analysis,  there is reasonable assurance of repayment of principal and interest, and the customer has demonstrated sustained, amortizing payment performance of at least six months.

Concentration of Credit Risk:  Most of the Company’s primary business activity is with customers located within the Ohio counties of Columbiana, Franklin, Summit, Cuyahoga and contiguous counties.  Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economies within these counties.  Although these counties are the Company’s primary market area for loans, the Company originates residential and commercial real estate loans throughout the United States. 

Allowance for Loan Losses (ALLL):  The ALLL is a valuation allowance for probable incurred credit losses.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.  Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors.  Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off.

The allowance consists of specific and general components.  The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that CFBank will be unable to collect all amounts due according to the contractual terms of the loan agreement.  Loans within any loan class for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired.  

Factors considered by management in determining impairment for all loan classes include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.

Loans of all classes within the commercial, multi-family residential and commercial real estate segments, regardless of size, and loans of all other classes with balances over $250 are individually evaluated for impairment when they are 90 days past due, or earlier than 90 days past due if information regarding the payment capacity of the borrower indicates that payment in full according to the loan terms is doubtful.  If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral, less costs to sell, if repayment is expected solely from the collateral.  Large groups of smaller balance homogeneous loans, such as consumer and single-family residential real estate loans, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures.

TDRs of all classes of loans are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using each loan’s effective rate at inception.  If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. If the payment of the loan is dependent on the sale of the collateral, then costs to liquidate the collateral are included when determining the impairment.  For TDRs that subsequently default, the amount of reserve is determined in accordance with the accounting policy for the ALLL.

Interest income on all classes of impaired loans that are on nonaccrual status is recognized in accordance with the accounting policy for nonaccrual loans.  Cash receipts on all classes of impaired loans that are on nonaccrual status are generally applied to the principal balance outstanding.  Interest income on all classes of impaired loans that are not on nonaccrual status is recognized on the accrual method. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note.

The general reserve component covers non‑impaired loans of all classes and is based on historical loss experience adjusted for current factors.  The historical loss experience is determined by loan class and is based on the actual loss history experienced by the Company over a three year period.  The general component is calculated based on CFBank’s loan balances and actual historical three-year historical loss rates.  For loans with little or no actual loss experience, industry estimates are used based on loan segment. This actual loss experience is supplemented with other economic and judgmental factors based on the risks present for each loan class.  These economic and judgmental factors include consideration of the following:  levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.

During the fourth quarter of 2013, after running parallel calculations and analyzing results for the last two quarters, the Bank revised its ALLL methodology for the general reserve.  Previously, the base methodology relied more heavily on industry data and loss given default rates and probability of default.  Based on the fact that the Bank has been tracking historical loss rates for a significant time, the new methodology uses a historical three-year loss rate as its base methodology.  Similar to before, the base methodology may be supplemented with economic and judgmental factors.  Based on the change in methodology which considered portfolio migration, three-year loss rates and revised economic and judgmental factors, a $250 reduction to the allowance for loan loss was recorded in the fourth quarter of 2013.  The impact on prior quarters was not considered material.

The following portfolio segments have been identified:  commercial loans, single-family residential real estate loans; multi-family residential real estate loans; commercial real estate loans; construction loans; home equity lines of credit; and other consumer loans. A description of each segment of the loan portfolio, along with the risk characteristics of each segment is included below:

Commercial loans:  Commercial loans include loans to businesses generally located within our primary market area. Those loans are generally secured by business equipment, inventory, accounts receivable and other business assets.  In underwriting commercial loans, we consider the net operating income of the company, the debt service ratio and the financial strength, expertise and credit history of the business owners and/or guarantors.  Because payments on commercial loans are dependent on successful operation of the business enterprise, repayment of such loans may be subject to a greater extent to adverse conditions in the economy.  We seek to mitigate these risks through underwriting policies which require such loans to be qualified at origination on the basis of the enterprise’s financial performance and the financial strength of the business owners and/or guarantors.

Single-family residential real estate loans:  Single-family residential real estate loans include permanent conventional mortgage loans secured by single-family residences located within and outside of our primary market area. Credit approval for single-family residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment and an established credit record.  Our policy is to originate single-family residential real estate loans for portfolio in amounts up to 85% of the lower of the appraised value or the purchase price of the property securing the loan, without requiring private mortgage insurance.  Loans in excess of 85% of the lower of the appraised value or purchase price of the property securing the loan require private mortgage insurance.  CFBank has not engaged in subprime lending, used option adjustable-rate mortgage products or made loans with initial teaser rates.

Multi-family residential real estate loans:  Multi-family residential real estate loans include loans secured by apartment buildings, condominiums and multi-family residential houses generally located within our primary market area. Underwriting policies provide that multi-family residential real estate loans may be made in amounts up to 85% of the lower of the appraised value or purchase price of the property.  In underwriting multi-family residential real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed- and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by multi-family residential properties are dependent on successful operation or management of the properties, repayment of multi-family residential real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy.  Adjustable-rate multi-family residential real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate multi-family residential real estate loans generally do not contain periodic and lifetime caps on interest rate changes.  We seek to minimize the additional risk presented by adjustable-rate multi-family residential real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios.

Commercial real estate loans:  Commercial real estate loans include loans secured by owner occupied and non-owner occupied properties used for business purposes, such as manufacturing facilities, office buildings or retail facilities generally located within our primary market area.  Underwriting policies provide that commercial real estate loans may be made in amounts up to 80% of the lower of the appraised value or purchase price of the property. In underwriting commercial real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by commercial real estate properties are dependent on successful operation or management of the properties, repayment of commercial real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy.  Adjustable-rate commercial real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate commercial real estate loans generally do not contain periodic and lifetime caps on interest rate changes.  We seek to minimize the additional risk presented by adjustable-rate commercial real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios.

Construction loans:  Construction loans include loans to finance the construction of residential and commercial properties generally located within our primary market area. Construction loans are fixed- or adjustable-rate loans which may convert to permanent loans with maturities of up to 30 years.  Our policies provide that construction loans may be made in amounts up to 75% of the appraised value of the property, and an independent appraisal of the property is required.  Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction.  In underwriting construction loans, we consider the property owner’s and/or guarantor’s financial strength, expertise and credit history. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner occupied real estate.  Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development compared to the estimated cost (including interest) of construction.  If the estimate of value proves to be inaccurate, we may be confronted with a project, when completed, having a value which is insufficient to assure full repayment.  We attempt to reduce such risks on construction loans through inspections of construction progress on the property and by requiring personal guarantees and reviewing current personal financial statements and tax returns, as well as other projects of the developer.

Home equity lines of credit:  Home equity lines of credit include both loans we originate for portfolio and purchased loans.  We originate home equity lines of credit to customers generally within our primary market area.  Home equity lines of credit are variable rate loans and the interest rate adjusts monthly at various margins above the prime rate of interest as disclosed in The Wall Street Journal. The margin is based on certain factors including the loan balance, value of collateral, election of auto-payment, and the borrower’s FICO® score.  The amount of the line is based on the borrower’s credit, income and equity in the home.  When combined with the balance of the prior mortgage liens, these lines generally may not exceed 89.9% of the appraised value of the property at the time of the loan commitment.  The lines are secured by a subordinate lien on the underlying real estate and are, therefore, vulnerable to declines in property values in the geographic areas where the properties are located.  Credit approval for home equity lines of credit requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral.  Collectability of home equity lines of credit are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. In 2005 and 2006, we purchased home equity lines of credit collateralized by properties located throughout the United States. The purchased home equity lines of credit may present higher risk than the home equity lines of credit we originate for our portfolio as they include properties in geographic areas that have experienced significant declines in housing values, such as California, Florida and Virginia.  We continue to monitor collateral values and borrower FICO® scores on both purchased and portfolio loans and, when the situation warrants, have frozen the lines of credit.

Other consumer loans:  Other consumer loans include closed-end home equity, home improvement, and auto and credit card loans to consumers generally located within our primary market area.  Credit approval for other consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans.  Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances.

CFBank’s charge-off policy for commercial loans, single-family residential real estate loans, multi-family residential real estate loans, commercial real estate loans, construction loans and home equity lines of credit requires management to record a specific reserve or charge-off as soon as it is apparent that the borrower is troubled and there is, or likely will be a collateral shortfall related to the estimated value of the collateral securing the loan.  Other consumer loans are typically charged off no later than 90 days past due.

Servicing Rights:  When mortgage loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans.  Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans.  Due to the fact that the servicing assets are not material, no impairment analysis is performed.

Servicing fee income, which is reported on the income statement as loan servicing fees, net is recorded for fees earned for servicing loans.  The fees are based on a contractual percentage of the outstanding principal, or a fixed amount per loan, and are recorded as income when earned.  The amortization of mortgage servicing rights is netted against loan servicing fee income.  Loan servicing fees, net totaled $17,  $19 and $26 for the years ended December 31, 2014, 2013 and 2012, respectively.  Late fees and ancillary fees related to loan servicing are not material.

Transfers of Financial Assets:  Transfers of financial assets are accounted for as sales when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. 

Foreclosed Assets:  Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  If fair value declines subsequent to foreclosure, an adjustment is recorded through expense.  Operating costs after acquisition are expensed.

Premises and Equipment:  Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation.  Buildings and related components are depreciated using the straight‑line method with useful lives ranging from 3 to 40 years. Furniture, fixtures and equipment are depreciated using the straight‑line method with useful lives ranging from 2 to 25 years. Leasehold improvements are depreciated straight-line over the shorter of the useful life or the lease term.

Federal Home Loan Bank (FHLB) stock:  CFBank is a member of the FHLB system.  Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value.  Both cash and stock dividends are reported as income.

Bank Owned Life Insurance:  CFBank purchased life insurance policies on certain directors and employees in 2002.  Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Other Intangible Assets:Other intangible assets consist of identified intangibles from the purchase of the remaining two-thirds interest in Smith Ghent LLC in October 2009.  The intangible asset was initially measured at fair value and was being amortized on a straight-line method over the estimated life of 4.5 years. When the Company sold the office building in October 2013, the remaining unamortized intangible amount was written off and Smith Ghent LLC was subsequently dissolved prior to year-end 2013.

Loan Commitments and Related Financial Instruments:  Financial instruments include off‑balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs.  The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay.  Such financial instruments are recorded when they are funded, and fees associated with origination are booked to non-interest income at the origination date.

Derivatives:  Derivative financial instruments are recognized as assets or liabilities at fair value.  The Company's derivatives consist mainly of interest rate swap agreements, which are used as part of its asset liability management program to help manage interest rate risk.  The Company does not use derivatives for trading purposes.  The derivative transactions are considered instruments with no hedging designation, otherwise known as stand-alone derivatives.  Changes in the fair value of the derivatives are reported currently in earnings, as other noninterest income.

Mortgage Banking Derivatives:  Commitments to fund mortgage loans to be sold into the secondary market, otherwise known as interest rate locks, are accounted for as free standing derivatives.  Fair values of these mortgage derivatives are based on anticipated gains on the underlying loans.  Changes in the fair values of these derivatives are included in net gains on sales of loans.

Stock-Based Compensation:  Compensation cost is recognized for stock options and restricted stock awards issued to directors and employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period.  For awards with graded vesting, compensation cost is recognized on a straight-line basis over the required service period for each separately vesting portion of the award.

Income Taxes:  Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities.  Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates.  A full valuation allowance was recorded in 2009 to reduce the carrying amount of the Company’s net deferred tax asset to zero.  See Note 14 – Income Taxes.

A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.

The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense. 

Retirement Plans:  Pension expense is the amount of annual contributions to the multi-employer contributory trusteed pension plan. Employee 401(k) and profit sharing plan expense is the amount of matching contributions.  Supplemental retirement plan expense allocates the benefits over years of service.

Reverse Stock Split:    Reclassifications did not impact prior period net loss or total stockholders' equity.  On May 4, 2012, the Company completed a 1-for-5 reverse stock split, whereby every 5 shares of the Company’s common stock were reclassified into one share of common stock.All share and per share amounts for all periods presented have been adjusted to reflect the reverse split as though it had occurred prior to the earliest period presented.

Earnings (Loss) Per Common Share:  Basic earnings (loss) per common share is net income (loss) available to common stockholders divided by the weighted average number of common shares outstanding during the period.  All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options.  Earnings and dividends per share are restated for all reverse stock splits through the date of issuance of the financial statements.

Comprehensive Income (Loss):  Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale, which are also recognized as a separate component of equity.

Loss Contingencies:  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  Management does not believe there are any such matters that will have a material effect on the financial statements.  See Note 24 – Contingent Liabilities.

Restrictions on Cash:  Cash on hand or on deposit with the Federal Reserve Bank (FRB) is required to meet regulatory reserve and clearing requirements. Cash on deposit with the FHLB includes $3,300 pledged as collateral for FHLB advances. 

Equity:  Treasury stock is carried at cost. The carrying value of preferred stock and the common stock warrant is based on allocation of issuance proceeds, net of issuance costs, in proportion to their relative fair values.  Preferred stock is carried net of the discount established through the allocation of proceeds.

Dividend Restriction:  Banking regulations require us to maintain certain capital levels and may limit the dividends paid by CFBank to the Holding Company or by the Holding Company to stockholders.  The ability of the Holding Company to pay dividends on its common stock and Series B Preferred Stock is generally dependent upon the receipt of dividends and other distributions from CFBank.  The Holding Company is a legal entity that is separate and distinct from CFBank, which has no obligation to make any dividends or other funds available for the payment of dividends by the Holding Company.  The Holding Company also is subject to various legal and regulatory policies and requirements impacting the Holding Company’s ability to pay dividends on its stock, and pursuant to the commitments made to the FRB in connection with the termination of the Holding Company Order, the Holding Company may not declare or pay dividends on its stock without the prior written non-objection of the FRB.  In addition, the Holding Company’s ability to pay dividends on its stock is conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities, which also requires the written non-objection of the FRB.  Finally, so long as the Company’s Series B Preferred Stock remains outstanding, the Holding Company will be prohibited from paying dividends on (other than dividends payable solely in shares) the Company’s common stock, for the then-current dividend period, unless full dividends on the Series B Preferred Stock have been paid or set aside for payment.  Dividends on the Series B Preferred Stock are non-cumulative, which means that if for any reason we do not declare cash dividends on the Series B Preferred Stock for a quarterly dividend period we will have no obligation to pay any dividends for that period (i.e., the dividends will not accrue or cumulate), whether or not we declare dividends on the Series B Preferred Stock for any subsequent dividend period.

Fair Value of Financial Instruments:  Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 6 – Fair Value.  Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items.  Changes in assumptions or in market conditions could significantly affect these estimates.

Operating Segments:  While management monitors and analyzes the revenue streams of the Company’s various products and services, the operations and financial performance is evaluated on a Company‑wide basis.  Operating results are not reviewed by senior management to make resource allocation or performance decisions.  Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment. 

Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.  Reclassifications had no effect on prior period net loss or stockholders’ equity.

Adoption of New Accounting Standards:

In July 2013, the FASB amended existing guidance related to the presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss or a tax credit carryforward exists. These amendments provide that an unrecognized tax benefit, or a portion thereof, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose (in which case then the unrecognized tax benefit should be presented as a liability).  These amendments are effective for interim and annual reporting periods beginning after December 15, 2013. Early adoption and retrospective application is permitted. The effect of adopting this standard did not have a material effect on the Company's operating results or financial condition.

In February 2013, the FASB amended existing guidance related to reporting amounts reclassified out of accumulated other comprehensive income. These amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. These amendments require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional details about those amounts.  These amendments are effective prospectively for interim and annual reporting periods beginning after December 15, 2012.  The effect of adopting this standard did not have a material effect on the Company's operating results or financial condition.

In January 2014, the FASB issued Accounting Standards Update (“ASU” or “Update”) 2014-01, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects (January 2014).  This Update permits entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met.  The ASU modifies the conditions that an entity must meet to be eligible to use a method other than the equity or cost methods to account for qualified affordable housing project investments.  The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014.  The amendments in this Update should be applied retrospectively to all periods presented.  Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements.

In January 2014, the FASB issued ASU 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (January 2014).  The objective of this Update is to reduce diversity by clarifying when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized.  The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014.  The amendments in this Update may be adopted using either a modified retrospective transition method or a prospective transition method.  Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements.

In April 2014 the FASB issued ASU 2014-08, Presentation of Financial Statements (Topic 205) and Property, Plant, and Equipment (Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity (April 2014).This Update seeks to better define the groups of assets which qualify for discontinued operations, in order to ease the burden and cost for preparers and stakeholders.  This update changed “the criteria for reporting discontinued operations” and related reporting requirements, including the provision for disclosures about the “disposal of an individually significant component of an entity that does not qualify for discontinued operations presentation.”  The amendments in this Update are effective for fiscal years beginning after December 15, 2014.  Early adoption is permitted only for disposals or classifications as held for sale.  The Company will adopt the methodologies prescribed by this ASU by the date required.  Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements.

In May 2014 the FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606) (May 2014).  Section A - Summary and Amendments That Create Revenue from Contracts with Customers (Topic 606) and Other Assets and Deferred Costs - Contracts with Customers (Subtopic 340-40).  Section B - Conforming Amendments to Other Topics and Subtopics in the Codification and Status Tables.  Section C - Background Information and Basis for Conclusions.  The topic of Revenue Recognition had become broad with several other regulatory agencies issuing standards, which lacked cohesion.  The new guidance establishes a “comprehensive framework” and “reduces the number of requirements to which an entity must consider in recognizing revenue” and yet provides improved disclosures to assist stakeholders reviewing financial statements.  The amendments in this Update are effective for annual reporting periods beginning after December 15, 2016.  Early adoption is not permitted.  The Company will adopt the methodologies prescribed by this ASU by the date required.  Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements.

In June 2014 the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures (June 2014).  This Update addresses the concerns of stakeholders’ by changing the accounting practices surrounding repurchase agreements.  The new guidance changes the “accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements.”  The amendments in this Update are effective for annual reporting periods beginning after December 15, 2014. Early adoption is prohibited.  The Company will adopt the methodologies prescribed by this ASU by the date required.  Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements.

In June 2014 the FASB issued ASU 2014-12, Compensation - Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period (June 2014).  This Update defines the accounting treatment for share-based payments and “resolves the diverse accounting treatment of those awards in practice.” The new requirement mandates that “a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.”  Compensation cost will now be recognized in the period in which it becomes likely that the performance target will be met.   The amendments in this Update are effective for annual reporting periods beginning after December 15, 2015. Early adoption is permitted.  The Company will adopt the methodologies prescribed by this ASU by the date required.  Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements.

In December 2011, the FASB amended existing guidance on disclosures about offsetting assets and liabilities. These amendments are intended to enhance disclosures required by U.S. GAAP by requiring improved information about derivatives, repurchase agreements and reverse purchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with specific criteria contained in the Codification or subject to a master netting arrangement or similar agreement, irrespective of whether they are offset. This information will enable users of an entity's financial statements to evaluate the effect or potential effect of netting arrangements on an entity's financial position, including the effect or potential effect of rights of setoff associated with certain financial instruments and derivative instruments. In January 2013, the FASB clarified that ordinary trade receivables and receivables are not in the scope of the December 2011 amended guidance. These amendments are effective for fiscal years beginning on or after January 1, 2013, and interim periods within those years. Retrospective disclosure is required for all comparative periods presented.  The effect of adopting this standard did not have a material effect on the Company's operating results or financial condition.

The FASB has issued ASU No. 2014-15, Presentation of Financial Statements—Going Concern (Subtopic 205-40):  Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.  ASU 2014-15 is intended to define management’s responsibility to evaluate whether there is substantial doubt about an organization’s ability to continue as a going concern and to provide related footnote disclosures.  Under Generally Accepted Accounting Principles (GAAP), financial statements are prepared under the presumption that the reporting organization will continue to operate as a going concern, except in limited circumstances.  Financial reporting under this presumption is commonly referred to as the going concern basis of accounting.  The going concern basis of accounting is critical to financial reporting because it establishes the fundamental basis for measuring and classifying assets and liabilities.  Currently, GAAP lacks guidance about management’s responsibility to evaluate whether there is substantial doubt about the organization’s ability to continue as a going concern or to provide related footnote disclosures. This ASU provides guidance to an organization’s management, with principles and definitions that are intended to reduce diversity in the timing and content of disclosures that are commonly provided by organizations today in the financial statement footnotes. Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements.

COSO’s Internal Control Framework has been updated and enhanced.  Since its release in 1992, COSO’s Internal Control – Integrated Framework has been widely accepted and adopted around the world. The updated framework, issued on May 14, 2013, maintains the fundamental elements of the original:  five components of an internal control system—control environment, risk assessment, control activities, information and communication—and monitoring activities supporting three categories of objectives:  effectiveness and efficiency of operations, reliability of reporting and compliance with applicable laws and regulations, structured through management’s judgment.  The five components are evaluated through principles and recommended points of focus.  A significant enhancement, however, is the expansion of the reporting objective to include nonfinancial and internal reporting objectives.  The mandatory principles have been updated to reflect today’s business environment—an environment of increased governance, regulatory and compliance demands and increased use of technology and complex business models. The original framework still may be used through December 15, 2014; beyond that date, COSO will consider the original framework obsolete. Adoption of the updated COSO Integrated Framework is not expected to have a material effect on the Company’s internal control environment or financial reporting.

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Loan Commitments and Other Related Activities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	60 days
Construction [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	1 year
Minimum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	3.25%	4.00%
Maturities for fixed rate loan commitments	18 years	6 months
Maximum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	5.00%	5.25%
Maturities for fixed rate loan commitments	30 years	31 years

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Securities (Securities With Unrealized Losses) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	$ 6,270,000	$ 1,254,000
Less than Twelve Months, Unrealized Loss	8,000	2,000
Twelve Months or More, Fair Value	886,000	1,906,000
Twelve Months or More, Unrealized Loss	11,000	13,000
Total, Fair Value	7,156,000	3,160,000
Total, Unrealized Loss	19,000	15,000
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	1,259,000	239,000
Less than Twelve Months, Unrealized Loss	1,000	1,000
Twelve Months or More, Fair Value		1,002,000
Twelve Months or More, Unrealized Loss		7,000
Total, Fair Value	1,259,000	1,241,000
Total, Unrealized Loss	1,000	8,000
State and Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value		1,015,000
Less than Twelve Months, Unrealized Loss		1,000
Twelve Months or More, Fair Value	886,000	904,000
Twelve Months or More, Unrealized Loss	11,000	6,000
Total, Fair Value	886,000	1,919,000
Total, Unrealized Loss	11,000	7,000
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	5,011,000
Less than Twelve Months, Unrealized Loss	7,000
Twelve Months or More, Fair Value
Twelve Months or More, Unrealized Loss
Total, Fair Value	5,011,000
Total, Unrealized Loss	7,000
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value
Less than Twelve Months, Unrealized Loss
Twelve Months or More, Fair Value
Twelve Months or More, Unrealized Loss
Total, Fair Value
Total, Unrealized Loss	$ 0	$ 0

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FHLB Advances (Tables)

12 Months Ended

Dec. 31, 2014

FHLB Advances [Abstract]

Advances from the FHLB

	Rate		December 31, 2014		December 31, 2013
Fixed Rate Advances
Maturities:
January 2014	3.12%	$	-	$	5,000
May 2014	3.06%		-		5,000
January 2015	0.35%		2,500		-
May 2016	0.66%		3,000		-
November 2016	0.90%		2,000		-
September 2017	1.35%		1,500		-
July 2020	2.27%		2,500		-
July 2021	2.53%		3,000		-
Total		$	14,500	$	10,000

Schedule of federal home loan advances pledged by assets

	December 31, 2014		December 31, 2013
Single-family mortgage loans	$	19,978	$	14,940
Multi-family mortgage loans		6,291		4,890
Commercial real estate loans		3,110		3,339
Securities		4,208		2,024
Cash		3,300		3,300
Total	$	36,887	$	28,493

Federal home loan advances outstanding maturity period

2015	$	2,500
2016		5,000
2017		1,500
2018		-
2019		-
	$	9,000

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Loan Commitments And Other Related Activities

12 Months Ended

Dec. 31, 2014

Loan Commitments And Other Related Activities [Abstract]

Loan Commitments And Other Related Activities

NOTE 21 – LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES

Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs.  These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.  Commitments may expire without being used. Off‑balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.  The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows:

	2014				2013
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	14,992	$	17,339	$	8,169	$	11,569
Unused lines of credit	$	189	$	26,955	$	47	$	22,993
Standby letters of credit	$	-	$	-	$	-	$	-

Commitments to make loans are generally made for periods of 60 days or less, except for construction loan commitments, which are typically for a period of one year, and loans under a specific drawdown schedule, which are based on the individual contracts.  The fixed-rate loan commitments had interest rates ranging from 3.25% to 5.00% and maturities ranging from 18 months to 30 years at December 31, 2014. The fixed-rate loan commitments had interest rates ranging from 4.0% to 5.25%and maturities ranging from6 months to 31 years at December 31, 2013.

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Derivative Instruments

12 Months Ended

Dec. 31, 2014

Derivative Instruments [Abstract]

Derivative Instruments

NOTE 20 – DERIVATIVE INSTRUMENTS

Interest-rate swaps

CFBank utilizes interest-rate swaps as part of its asset liability management strategy to help manage its interest rate risk position, and does not use derivatives for trading purposes.  The notional amount of the interest-rate swaps does not represent amounts exchanged by the parties.  The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest-rate swap agreements.  CFBank was party to interest-rate swaps with a combined notional amount of $3,811 at December 31, 2014 and $7,535 at December 31, 2013.

The objective of the interest-rate swaps is to protect the related fixed-rate commercial real estate loans from changes in fair value due to changes in interest rates.  CFBank has a program whereby it lends to its borrowers at a fixed-rate with the loan agreement containing a two-way yield maintenance provision, which will be invoked in the event of prepayment of the loan, and is expected to exactly offset the fair value of unwinding the swap.  The yield maintenance provision represents an embedded derivative which is bifurcated from the host loan contract and, as such, the swaps and embedded derivatives are not designated as hedges.  Accordingly, both instruments are carried at fair value and changes in fair value are reported in current period earnings.

CFBank currently does not have any derivatives designated as hedges. 

ContingentFeatures:Thecounterparty to CFBank’sinterest-rate swaps is exposed to credit risk whenever the interest-rate swaps are inaliability position. At December 31, 2014, CFBankhad $852 in securities and cash pledged as collateral for these derivatives. Shouldthe liability increase, CFBank will be required to pledge additional collateral. 

Additionally, CFBank’s interest-rate swap instruments contain provisions that require CFBank to remain well capitalized under regulatory capital standards. The interest-rate swaps may be called by the counterparty if CFBank fails to maintain well-capitalized status under regulatory capital standards.  As of December 31, 2014, CFBank was well-capitalized under regulatory capital standards.

Summary information about the derivative instruments is as follows:

	2014		2013		2012
Notional amount	$	3,811	$	7,535	$	7,750
Weighted average pay rate on interest-rate swaps		4.06%		3.86%		3.86%
Weighted average receive rate on interest-rate swaps		0.18%		0.19%		0.24%
Weighted average maturity (years)		4.3		3.6		4.6
Fair value of interest-rate swaps	$	(318)	$	(599)	$	(990)
Fair value of yield maintenance provisions	$	318	$	599	$	990

The fair value of the yield maintenance provisions and interest-rate swaps is recorded in other assets and other liabilities, respectively, in the consolidated balance sheet.  Changes in the fair value of the yield maintenance provisions and interest-rate swaps are reported currently in earnings, as other noninterest income in the consolidated statements of operations.  There were no net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps in 2014, 2013 or 2012.  

Mortgage banking derivatives

Commitments to fund certain mortgage loans (interest rate locks) to be sold into the secondary market are considered derivatives. These mortgage banking derivatives are not designated in hedge relationships.  The Company had approximately $2,964 and $3,476 of interest rate lock commitments related to residential mortgage loans at December 31, 2014 and 2013, respectively.  The fair value of these mortgage banking derivatives was reflected by a derivative asset of $25 and $16 at December 31, 2014 and 2013, respectively, which was included in other assets in the consolidated balance sheet. Fair values were estimated based on anticipated gains on the sale of the underlying loans. Changes in the fair values of these mortgage banking derivatives are included in net gains on sales of loans. Net gains (losses) recognized in earnings related to these mortgage banking derivatives totaled $9,  ($29) and $6in 2014, 2013, and 2012, respectively.

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Income Taxes (Details) (USD $)	0 Months Ended	12 Months Ended
	Aug. 20, 2012	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Taxes [Abstract]
Proceeds from sale of common stock	$ 22,500,000			$ 20,221,000
Net operating loss carry forwards		26,732,000
Alternative minimum tax credit carryforwards		75,000	60,000
Carryforwards utilize limit before the stock offering closed		163,000
Unutilized operating loss carryforwards that will expire		20,520,000
Reduced deferred tax assets and valuation allowance		6,977,000
Deferred tax liability to be recorded		765,000
Effective income tax rate		34.00%
Additional bad debt deductions provided by Federal income tax laws			2,250,000
Unrecognized Tax Benefits		$ 0	$ 0

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Regulatory Order Considerations (Brokered Deposit Maturities) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014
Regulatory Order Considerations [Abstract]
December 31, 2015	$ 23,093
December 31, 2016	3,123
December 31, 2017	1,537
December 31, 2018	1,555
Brokered deposit	$ 29,308

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Other Borrowings (Tables)

12 Months Ended

Dec. 31, 2014

Other Borrowings [Abstract]

Assets pledged as collateral with FRB

	December 31, 2014		December 31, 2013
Commercial loans	$	18,111	$	19,591
Commercial real estate loans		38,475		28,721
	$	56,586	$	48,312

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Parent Company Only Condensed Financial Information

12 Months Ended

Dec. 31, 2014

Parent Company Only Condensed Financial Information [Abstract]

Parent Company Only Condensed Financial Information

NOTE 22 – PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION

Condensed financial information of Central Federal Corporation follows:

	2014		2013
Assets
Cash and cash equivalents	$	3,025	$	3,263
Investment in banking subsidiary		34,572		23,592
Investment in and advances to other subsidiaries		220		273
Other assets		2,202		1,155
Total assets	$	40,019	$	28,283
Liabilities and Equity
Subordinated debentures	$	5,155	$	5,155
Accrued expenses and other liabilities		355		264
Stockholders' equity		34,509		22,864
Total liabilities and stockholders' equity	$	40,019	$	28,283

	2014		2013		2012
Interest income	$	5	$	17	$	3
Other income		260		103		-
Interest expense		164		167		180
Other expense		687		666		400
Loss before income tax and undistributed subsidiaries' operations		(586)		(713)		(577)
Effect of subsidiaries' operations		1,065		(205)		(3,189)
Net income (loss)	$	479	$	(918)	$	(3,766)
Comprehensive income (loss)	$	432	$	(927)	$	(4,045)

	2014		2013		2012
Cash flows from operating activities
Net Income (loss)	$	479	$	(918)	$	(3,766)
Adjustments:
Effect of subsidiaries' operations		(1,065)		205		3,189
Change in other assets and other liabilities		(1,142)		(1,052)		173
Net cash from operating activities		(1,728)		(1,765)		(404)
Cash flows from investing activities
Investment in bank subsidiary		(9,700)		(1,500)		(13,500)
Investments in other subsidiaries		54		1,866		(3)
Net cash from investing activities		(9,646)		366		(13,503)
Cash flows from financing activities
Stock issuance costs		-		(11)		-
Redemption of TARP obligation		-		-		(3,000)
Net proceeds from issuance of common stock		-		-		21,020
Dividends paid on Series B preferred stock		(233)		-		-
Net proceeds from issuance of Series B preferred stock		11,369		-		-
Net cash from financing activities		11,136		(11)		18,020
Net change in cash and cash equivalents		(238)		(1,410)		4,113
Beginning cash and cash equivalents		3,263		4,673		560
Ending cash and cash equivalents	$	3,025	$	3,263	$	4,673

During 2013 and 2014, the Holding Company invested funds into a series of joint ventures (equity stake) for the purpose of allocating excess liquidity into higher earning assets while diversifying its revenue sources.  Each of the joint ventures is related to the development of single family real estate in the form of condominiums.  Income is recognized based on a preferred rate of return on the outstanding investment balance.  As units are sold, the Holding Company receives a return of capital and an additional incentive payment; the incentive payment is recognized as income. The investment balance outstanding in joint ventures at December 31, 2014 and December 31, 2013 was $2,184 and $1,139, respectively. Income recognized on the joint ventures from the preferred rate of return and incentives was $223 and $102, respectively, for 2014 and 2013.

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Earnings (Loss) Per Common Share

12 Months Ended

Dec. 31, 2014

Earnings (Loss) Per Common Share [Abstract]

Earnings (Loss) Per Common Share

NOTE 23 – EARNINGS (LOSS) PER COMMON SHARE

The two-class method is used in the calculation of basic and diluted earnings per share.  Under the two-class method, earnings available to common stockholders for the period are allocated between common stockholders and unvested share-based payment awards according to dividends declared (or accumulated) and participation rights in undistributed earnings.  The factors used in the earnings per share computation follow:

	2014		2013		2012
Basic
Net earnings (loss)	$	479	$	(918)	$	(3,766)
Dividends on Series A preferred stock, discount on redemption and accretion of discount, net		-		-		4,632
Dividends on Series B preferred stock and accretion of discount		(421)		-		-
Earnings (loss) allocated to common stockholders	$	58	$	(918)	$	866
Weighted average common shares outstanding including unvested share-based payment awards		15,823,710		15,823,834		6,317,032
Less: Unvested share-based payment awards		-		(210)		(2,331)
Average shares		15,823,710		15,823,624		6,314,701
Basic earnings (loss) per common share	$	0.00	$	(0.06)	$	0.14
Diluted
Net earnings (loss) allocated to common stockholders	$	58	$	(918)	$	866
Weighted average common shares outstanding for basic earnings (loss) per common share		15,823,710		15,823,624		6,314,701
Add: Dilutive effects of assumed exercises of stock options		30,279		-		948
Add: Dilutive effects of assumed exercises of stock warrants		-		-		-
Average shares and dilutive potential common shares		15,853,989		15,823,624		6,315,649
Diluted earnings (loss) per common share	$	0.00	$	(0.06)	$	0.14

The following potential common shares were anti-dilutive and not considered in computing diluted earnings (loss) per common share.

	2014	2013	2012
Stock options	245,381	639,686	40,502
Series B preferred stock	6,857,143	-	-
Stock warrants	1,152,125	-	49,474

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Consolidated Statements Of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Statement Of Cash Flows [Abstract]
Net income (loss)	$ 479	$ (918)	$ (3,766)
Adjustments to reconcile net loss to net cash from operating activities:
Provision for loan losses	278	496	1,129
Provision for losses on foreclosed assets			962
Valuation (gain) loss on mortgage servicing rights			(1)
Depreciation	232	205	237
Amortization, net	189	437	673
Net gains on sales of securitites			(143)
Originations of loans held for sale	(50,140)	(32,603)	(30,461)
Proceeds from sale of loans held for sale	50,456	30,028	31,342
Net gains on sales of loans	(536)	(88)	(404)
(Gain) loss on disposal of premises and equipment		(1,114)	4
Gain on sale of foreclosed assets		(28)	(338)
Earnings on bank owned life insurance	(130)	(130)	(132)
Stock-based compensation expense	265	159	11
Net change in:
Accrued interest receivable and other assets	(240)	(409)	(215)
Accrued interest payable and other liabilities	202	(169)	142
Net cash from (used by) operating activities	1,055	(4,134)	(960)
Cash flows from investing activities
Net (increase) decrease in interest-bearing deposits in other financial institutions	1,488	744	(742)
Available-for-sale securities:
Sales			2,144
Maturities, prepayments and calls	4,073	7,690	11,497
Purchases	(5,019)		(13,447)
Loan originations and payments, net	(50,998)	(54,900)	(4,485)
Additions to premises and equipment	(461)	(341)	(24)
Proceeds from the sale of assets held for sale		3,187
Proceeds from the sale of foreclosed assets		149	1,720
Proceeds from mortgage insurance on foreclosed assets		14	73
Net cash from (used by) investing activities	(50,917)	(43,457)	(3,264)
Cash flows from financing activities
Net change in deposits	49,973	34,750	(43,621)
Net change in short-term borrowings from the FHLB and other debt	(6,526)	6,526
Proceeds from long-term FHLB advances and other debt	22,500
Repayments on long-term FHLB advances and other debt	(18,000)		(5,742)
Net change in advances by borrowers for taxes and insurance	(174)	334	82
Cash dividends paid on Series B preferred stock	(233)
Net proceeds from issuance of Series B preferred stock	11,369
Redemption of TARP obligations			(3,000)
Proceeds from sale of common stock			20,221
Cost associated with issuance of common stock		(11)
Net cash from (used by) financing activities	58,909	41,599	(32,060)
Net change in cash and cash equivalents	9,047	(5,992)	(36,284)
Beginning cash and cash equivalents	19,160	25,152	61,436
Ending cash and cash equivalents	28,207	19,160	25,152
Supplemental cash flow information:
Interest paid	2,097	1,956	2,835
Supplemental noncash disclosures:
Transfers from loans to repossessed assets		246	1,754
Loans issued to finance the sale of repossessed assets			171
Loans transferred from held for sale to portfolio			109
Transfer from premises and equipment to assets held for sale		$ 1,903

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Contingent Liabilities

12 Months Ended

Dec. 31, 2014

Contingent Liabilities [Abstract]

Contingent Liabilities

NOTE 24 - CONTINGENT LIABILITIES

CFBank participates in a multi-employer contributory trusteed pension plan.  On August 17, 2012, CFBank was notified by the trustees of the plan that, due to CFBank’s financial performance and the CFBank Order, it was required to make a contribution or provide a letter of credit in the amount of the funding shortfall plus estimated cost of annuitization of benefits in the plan, which was determined to be $908.   CFBank obtained a letter of credit from the FHLB for this amount, which was subsequently replaced with a letter of credit from Comerica Bank.  The cost of obtaining the letter of credit was $9. The letter of credit was in place from August 28, 2012 to August 28, 2013. Subsequent to August 28, 2013 the letter of credit was no longer required.

General Litigation

The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business.  It is the opinion of management that the disposition or ultimate resolution of such claims and lawsuits will not have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.

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Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financial assets
Cash and cash equivalents	$ 28,207	$ 19,160
Interest-bearing deposits in other financial institutions	494	1,982
Sales of securities	10,445	9,672
Loans held for sale	1,672	3,285
Loans, net	258,079	207,445
Accrued interest receivable	34	50
Yield maintenance provisions	318	599	990
Interest rate lock commitments	25	16
Financial liabilities
Deposits	(258,832)	(209,199)
FHLB advances and other borrowings	(14,663)	(16,577)
Advances by borrowers for taxes and insurance	(401)	(575)
Subordinated debentures	(2,536)	(3,004)
Accrued interest payable	(48)	(255)
Interest-rate swaps	(318)	(599)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	28,207	19,160
Interest-bearing deposits in other financial institutions	494	1,982
Accrued interest receivable	2	4
Financial liabilities
Deposits	(121,132)	(89,266)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Sales of securities	10,445	9,672
Loans held for sale	1,672	3,285
Accrued interest receivable	32	46
Yield maintenance provisions	318	599
Interest rate lock commitments	25	16
Financial liabilities
Deposits	(137,700)	(119,933)
FHLB advances and other borrowings	(14,663)	(10,051)
Subordinated debentures	(2,536)	(3,004)
Accrued interest payable	(48)	(255)
Interest-rate swaps	(318)	(599)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans, net	258,079	207,445
Financial liabilities
FHLB advances and other borrowings		(6,526)
Advances by borrowers for taxes and insurance	(401)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	28,207	19,160
Interest-bearing deposits in other financial institutions	494	1,982
Sales of securities	10,445	9,672
Loans held for sale	1,672	3,285
Loans, net	257,831	207,141
FHLB stock	1,942	1,942
Accrued interest receivable	34	50
Yield maintenance provisions	318	599
Interest rate lock commitments	25	16
Financial liabilities
Deposits	(258,315)	(208,309)
FHLB advances and other borrowings	(14,500)	(16,526)
Advances by borrowers for taxes and insurance	(401)
Subordinated debentures	(5,155)	(5,155)
Accrued interest payable	(48)	(255)
Interest-rate swaps	$ (318)	$ (599)

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Derivative Instruments (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Derivative [Line Items]
Notional amount	$ 3,811,000	$ 7,535,000	$ 7,750,000
Derivative assets	318,000	599,000	990,000
Net gain/loss recognised of fair value of yield maintenance provisions		0
Net gains (losses) recognized in earnings	9,000	(29,000)	6,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	3,811,000	7,535,000
Interest-rate swaps	852,000
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Derivative assets	25,000	16,000
Interest rate lock commitments related to residential mortgage loans	$ 2,964,000	$ 3,476,000

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Loan Servicing (Tables)

12 Months Ended

Dec. 31, 2014

Loans [Abstract]

Principal Balances of Mortgage Loans at Year-End

	2014		2013
Mortgage loans serviced for Freddie Mac	$	6,560	$	8,243

Activity for Mortgage Servicing Rights and Related Valuation Allowance

	2014		2013		2012
Servicing rights, net of valuation allowance:
Beginning of year	$	20	$	29	$	37
Additions		-		-		-
Amortized to expense		(5)		(9)		(9)
Change in valuation allowance		-		-		1
End of year		15		20		29
Valuation allowance:
Beginning of year		1		1		2
Additions expensed		-		-		-
Reductions credited to operations		-		-		(1)
End of year	$	1	$	1	$	1

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Accumulated Other Comprehensive Income (Tables)

12 Months Ended

Dec. 31, 2014

Accumulated Other Comprehensive Income [Abstract]

Schedule of Accumulated Other Comprehensive Income

Changes in Accumulated Other Comprehensive Income by Component
For the Year Ended December 31, 2014 and 2013  (1)
	Unrealized Gains and Losses on Available-for-Sale Securities
	2014		2013
Accumulated other comprehensive income (loss), beginning of period	$	98	$	107
Other comprehensive income (loss) before reclassifications		(47)		(9)
Amount reclassified from accumulated other comprehensive income (2)		-		-
Net current-period other comprehensive income (loss)		(47)		(9)
Accumulated other comprehensive income (loss), end of period	$	51	$	98

(1) All amounts are net of tax.  Amounts in parentheses indicate a reduction of other comprehensive income.

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Loans (Financing Receivables Credit Quality Indicators) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 264,147	$ 212,870
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	82,164	52,258
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	166,685	142,787
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,353	2,936
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,945	14,889
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	46,656	37,526
Commercial Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,090	228
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	44,663	35,424
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	443	921
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	460	953
Single-Family Residential[Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	51,542	32,219
Single-Family Residential[Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	50,961	31,685
Single-Family Residential[Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	581	534
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	28,863	32,197
Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	26,481	29,667
Multi-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,382	2,530
Real Estate, Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	91,404	83,752
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	49,142	43,121
Real Estate, Commercial, Non-Owner Occupied [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	139	3,170
Real Estate, Commercial, Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	43,665	34,834
Real Estate, Commercial, Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	89	556
Real Estate, Commercial, Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,249	4,561
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	35,991	35,203
Real Estate, Commercial, Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	33,389	31,489
Real Estate, Commercial, Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,508	1,045
Real Estate, Commercial, Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,094	2,669
Real Estate, Commercial, Land Acquisition [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,271	5,428
Real Estate, Commercial, Land Acquisition [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	78	87
Real Estate, Commercial, Land Acquisition [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,428	2,023
Real Estate, Commercial, Land Acquisition [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,765	3,318
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,732	11,465
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,673	2,115
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15,059	9,350
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	16,955	14,851
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15,520	12,982
Home Equity Line of Credit, Originated Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	15,370	12,828
Home Equity Line of Credit, Originated Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	150	154
Home Equity Line of Credit, Purchased Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,435	1,869
Home Equity Line of Credit, Purchased Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	858	1,285
Home Equity Line of Credit, Purchased Portfolio [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	313	414
Home Equity Line of Credit, Purchased Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	264	170
Other consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,995	860
Other consumer [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 4,995	$ 860

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Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash and cash equivalents	$ 28,207	$ 19,160
Interest-bearing deposits in other financial institutions	494	1,982
Securities available for sale	10,445	9,672
Loans held for sale, at fair value	3,505	3,285
Loans, net of allowance of $6,316 and $5,729	257,831	207,141
FHLB stock	1,942	1,942
Foreclosed assets, net	1,636	1,636
Premises and equipment, net	3,775	3,547
Bank owned life insurance	4,665	4,535
Accrued interest receivable and other assets	3,088	2,848
Total assets	315,588	255,748
Deposits
Noninterest bearing	37,035	27,652
Interest bearing	221,280	180,657
Total deposits	258,315	208,309
FHLB advances	14,500	10,000
Other secured borrowings		6,526
Advances by borrowers for taxes and insurance	401	575
Accrued interest payable and other liabilities	2,708	2,319
Subordinated debentures	5,155	5,155
Total liabilities	281,079	232,884
Commitments and Contingent Liabilities
Stockholders' equity
Common stock, $.01 par value, shares authorized; 50,000,000 shares issued; 15,935,417 in 2014 and 2013	159	159
Series B Preferred stock, $0.01 par value; 480,000 shares authorized, 480,000 issued at December 31, 2014 and 0 shares issued at December 31, 2013	5
Additional paid-in capital	59,696	48,067
Accumulated deficit	(22,157)	(22,215)
Accumulated other comprehensive income	51	98
Treasury stock, at cost; 111,707 shares of common stock	(3,245)	(3,245)
Total stockholders' equity	34,509	22,864
Total liabilities and stockholder's equity	$ 315,588	$ 255,748

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Income Taxes (Tables)

12 Months Ended

Dec. 31, 2014

Income Taxes [Abstract]

Income Tax Expense

	2014			2013		2012
Current Federal	$	-	$	-	$	-
Deferred Federal		-		-		-
Total	$	-	$	-	$	-

Effective Tax Rates Differ from Federal Statutory Rate

	2014		2013		2012
Federal Statutory rate times financial statement income (loss)	$	163	$	(312)	$	(1,280)
Effect of:
Incentive Stock Options		75		47		3
Bank owned life insurance income		(44)		(44)		(45)
Increase (decrease) in deferred tax valuation allowance		(201)		303		1,314
Other		7		6		8
	$	-	$	-	$	-
Effective tax rate		0%		0%		0%

Deferred Tax Assets and Liabilities

	2014		2013
Deferred tax assets:
Allowance for loan losses	$	924	$	1,002
Post-retirement death benefits		73		69
Deferred compensation		169		88
Deferred loan fees		116		44
AMT Credit		75		60
Nonaccrual interest		110		80
Net operating loss carry forward		2,112		2,487
Other		67		38
		3,646		3,868
Deferred tax liability:
FHLB stock dividend		366		366
Mortgage servicing rights		5		7
Depreciation		14		31
Prepaid expenses		61		63
Unrealized gain on securities available for sale		33		33
		479		500
Net deferred tax asset before valuation allowance		3,167		3,368
Deferred tax valuation allowance		(3,167)		(3,368)
Net deferred tax asset	$	-	$	-

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Other Borrowings (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014 loan	Dec. 31, 2013
Debt Disclosure [Line Items]
Debt instrument maximum borrowing capacity amount	$ 28,585,000
Line of credit with a commercial bank	1,000,000	1,000,000
Number of loans used as collateral for secured borrowings	5
Secured borrowings	6,500,000,000
Secured borrowings weighted average rate	4.10%
Federal Reserve Bank Advances [Member]
Debt Disclosure [Line Items]
Outstanding borrowings	0	0
Line of Credit [Member]
Debt Disclosure [Line Items]
Outstanding borrowings	$ 0	$ 0

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Regulatory Capital Matters (Actual And Required Capital Amounts And Ratios Of CFBank) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Actual Amount	$ 37,898	$ 26,246
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	34,520	23,942
Tier 1 (Core) Capital to adjusted total assets, Actual Amount	34,520	23,942
Tangible Capital to adjusted total assets, Actual Amount	34,520	23,492
Total Capital to risk weighted assets, Actual Ratio	14.18%	12.08%
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	12.92%	10.81%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	11.03%	9.34%
Tangible Capital to adjusted total assets, Actual Ratio	11.03%	9.34%
Total Capital to risk weighted assets, For Capital Adequacy Purposes Amount	21,379	17,385
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Amount	10,690	8,693
Tier 1 (Core) Capital to adjusted total assets, For Capital Adequacy Purposes Amount	12,515	10,061
Tangible Capital to adjusted total assets, For Capital Adequacy Purposes Amount	4,693	3,773
Total Capital to risk weighted assets, For Capital Adequacy Purposes Ratio	8.00%	8.00%
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Ratio	4.00%	4.00%
Tier 1 (Core) Capital to adjusted total assets, For Capital Adequacy Purposes Ratio	4.00%	4.00%
Tangible Capital to adjusted total assets, For Capital Adequacy Purposes Ratio	1.50%	1.50%
Capital Required to be Well Capitalized	26,724	21,731
Tier One Risk Based Capital Required to be Well Capitalized	16,034	13,039
Tier One Leverage Capital Required to be Well Capitalized	15,643	12,576
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.00%	6.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
CF Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Actual Amount	32,069	26,078
Tier 1 (Core) Capital to adjusted total assets, Actual Amount	$ 25,029	$ 20,121
Total Capital to risk weighted assets, Actual Ratio	12.00%	12.00%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	8.00%	8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	12.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	8.00%

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Consolidated Statements Of Changes In Stockholders' Equity (USD $)	Common Stock	Additional Paid-In Capital	Accumulated Deficit	Accumulated Other Comprehensive Income	Treasury Stock	Series A Preferred Stock [Member]	Series B Preferred Stock [Member]	Total
Balance at Dec. 31, 2011	$ 9,000	$ 27,837,000	$ (22,163,000)	$ 386,000	$ (3,245,000)	$ 7,120,000		$ 9,944,000
Net income (loss)			(3,766,000)					(3,766,000)
Other comprehensive income (loss)				(279,000)				(279,000)
Accretion of discount on preferred stock			(39,000)			39,000
Release of 100 stock-based incentive plan shares, net of forfeitures		4,000						4,000
Stock option expense, net of forfeitures		7,000						7,000
Cash dividends declared on Series B preferred stock			(289,000)					(289,000)
Redemption of TARP obligations, including $801 accrued dividends			4,960,000			(7,159,000)		(2,199,000)
Issuance of shares	150,000	20,071,000						20,221,000
Balance at Dec. 31, 2012	159,000	47,919,000	(21,297,000)	107,000	(3,245,000)			23,643,000
Net income (loss)			(918,000)					(918,000)
Other comprehensive income (loss)				(9,000)				(9,000)
Release of 100 stock-based incentive plan shares, net of forfeitures		(6,000)						(6,000)
Stock option expense, net of forfeitures		165,000						165,000
Offering costs associated with issuance of common stock		(11,000)						(11,000)
Balance at Dec. 31, 2013	159,000	48,067,000	(22,215,000)	98,000	(3,245,000)			22,864,000
Net income (loss)			479,000					479,000
Other comprehensive income (loss)				(47,000)				(47,000)
Stock option expense, net of forfeitures		265,000						265,000
Cash dividends declared on Series B preferred stock			(421,000)					(421,000)
Issuance of shares		11,364,000					5,000	11,369,000
Balance at Dec. 31, 2014	159,000	59,696,000	(22,157,000)	51,000	(3,245,000)		5,000	34,509,000
Balance at Sep. 30, 2014
Cash dividends declared on Series B preferred stock							(187,500)
Balance at Dec. 31, 2014	$ 159,000				$ (3,245,000)		$ 5,000

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FHLB Advances (Schedule Of Federal Home Loan Advances Pledged By Assets) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	$ 36,887,000.00	$ 28,493,000.00
Securities [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	4,208,000	2,024,000
Cash [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	3,300,000	3,300,000
Single-Family Residential[Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	19,978,000	14,940,000
Multi-Family Residential [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	6,291,000	4,890,000
Real Estate, Commercial [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	$ 3,110,000	$ 3,339,000

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Securities (Proceeds From The Sales Of Securities) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012
Securities [Abstract]
Proceeds	$ 2,144
Gross gains	$ 143

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Benefit Plans (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended			3 Months Ended	6 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2015	Jul. 01, 2014	Jul. 01, 2013
Life Insurance Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense	$ 12	$ (1)	$ 16
Accrued interest payable and other liabilities Total	216	204
401 (k) plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Percentage of amount allowable under federal tax regulations	25.00%
Percentage of compensation contributed under federal tax regulations	8.00%
Benefit plan expense	28	27	33
Salary Continuation Agreement [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense	12	12	47
Accrued interest payable and other liabilities Total	247	260
Annual benefit for 20 years	25
Duration of Annual benefit	20 years
Multi-employer pension plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Unfunded liability				192	35	192
CFBank's contributions				49	80
Funded status									96.51%	82.95%
Total contributions made to Pentegra DB Plan						136,478	196,473
Percentage of amount allowable under federal tax regulations						5.00%	5.00%
Multi-employer pension plan [Member] | Scenario, Forecast [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
CFBank's contributions								$ 64

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Regulatory Order Considerations (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Order Considerations [Abstract]

Brokered Deposit Maturities

December 31, 2015	$	23,093
December 31, 2016		3,123
December 31, 2017		1,537
December 31, 2018		1,555
	$	29,308

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Loans (Activity In ALLL By Portfolio Segment) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 5,729	$ 5,237	$ 6,110
Addition to (reduction in) provision for loan losses	278	496	1,129
Charge-offs	(75)	(252)	(2,591)
Recoveries	384	248	589
Ending balance	6,316	5,729	5,237
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,759	1,311	2,281
Addition to (reduction in) provision for loan losses	(374)	407	(1,251)
Charge-offs	(44)		(99)
Recoveries	5	41	380
Ending balance	1,346	1,759	1,311
Single-Family Residential[Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	120	332	207
Addition to (reduction in) provision for loan losses	510	(51)	180
Charge-offs		(164)	(64)
Recoveries	4	3	9
Ending balance	634	120	332
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,262	1,396	1,470
Addition to (reduction in) provision for loan losses	(444)	(163)	700
Charge-offs		(59)	(796)
Recoveries		88	22
Ending balance	818	1,262	1,396
Real Estate, Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,325	1,946	1,863
Addition to (reduction in) provision for loan losses	(128)	319	1,412
Charge-offs	(5)	(6)	(1,467)
Recoveries	349	66	138
Ending balance	2,541	2,325	1,946
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	119
Addition to (reduction in) provision for loan losses	323	119
Ending balance	442	119
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	139	241	272
Addition to (reduction in) provision for loan losses	304	(114)	78
Charge-offs	(26)	(17)	(126)
Recoveries	24	29	17
Ending balance	441	139	241
Other consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	5	11	17
Addition to (reduction in) provision for loan losses	87	(21)	10
Charge-offs		(6)	(39)
Recoveries	2	21	23
Ending balance	$ 94	$ 5	$ 11

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Income Taxes

12 Months Ended

Dec. 31, 2014

Income Taxes [Abstract]

Income Taxes

NOTE 14 – INCOME TAXES

Income tax expense was as follows:

	2014			2013		2012
Current Federal	$	-	$	-	$	-
Deferred Federal		-		-		-
Total	$	-	$	-	$	-

Effective tax rates differ from the federal statutory rate of 34% applied to income (loss) before income taxes due to the following:

	2014		2013		2012
Federal Statutory rate times financial statement income (loss)	$	163	$	(312)	$	(1,280)
Effect of:
Incentive Stock Options		75		47		3
Bank owned life insurance income		(44)		(44)		(45)
Increase (decrease) in deferred tax valuation allowance		(201)		303		1,314
Other		7		6		8
	$	-	$	-	$	-
Effective tax rate		0%		0%		0%

Year-end deferred tax assets and liabilities were due to the following:

	2014		2013
Deferred tax assets:
Allowance for loan losses	$	924	$	1,002
Post-retirement death benefits		73		69
Deferred compensation		169		88
Deferred loan fees		116		44
AMT Credit		75		60
Nonaccrual interest		110		80
Net operating loss carry forward		2,112		2,487
Other		67		38
		3,646		3,868
Deferred tax liability:
FHLB stock dividend		366		366
Mortgage servicing rights		5		7
Depreciation		14		31
Prepaid expenses		61		63
Unrealized gain on securities available for sale		33		33
		479		500
Net deferred tax asset before valuation allowance		3,167		3,368
Deferred tax valuation allowance		(3,167)		(3,368)
Net deferred tax asset	$	-	$	-

The Company maintained a valuation allowance against the net deferred tax assets at December 31, 2014 and December 31, 2013, based on its estimate of future reversal and utilization. When determining the amount of deferred tax assets that are more-likely-than-not to be realized, and therefore recorded as a benefit, the Company conducts a regular assessment of all available information. This information includes, but is not limited to, taxable income in prior periods, projected future income and projected future reversals of deferred tax items. Based on these criteria, the Company determined that it was necessary to maintain a full valuation allowance against the entire net deferred tax asset.

In 2012, a recapitalization program through the sale of $22.5 million in common stock improved the capital levels of the Bank and provided working capital for the holding company. The result of the change in stock ownership associated with the stock offering, within the guidelines of Section 382 of the Internal Revenue Code of 1986, was that the Company incurred an ownership change. At year-end 2014, the Company had net operating loss carryforwards of $26,732, which expire at various dates from 2024 to 2033, and has alternative minimum tax credit carryforwards of $75, which do not expire. As a result of the ownership change, the Company's ability to utilize carryforwards that arose before the stock offering closed is limited to $163 per year. Due to this limitation, management determined it is more likely than not that $20,520 of net operating loss carryforwards will expire unutilized. As required by accounting standards, the Company reduced the carrying value of deferred tax assets, and the corresponding valuation allowance, by the $6,977 tax effect of this lost realizability.

Federal income tax laws provided additional deductions, totaling $2,250, for thrift bad debt reserves established before 1988.  Accounting standards do not require a deferred tax liability to be recorded on this amount, which otherwise would total $765 at year-end 2014.  However, if CFBank were wholly or partially liquidated or otherwise ceases to be a bank, or if tax laws were to change, this amount would have to be recaptured and a tax liability recorded.   Additionally, any distributions in excess of CFBank’s current or accumulated earnings and profits would reduce amounts allocated to its bad debt reserve and create a tax liability for CFBank. The amount of additional taxable income created by such a distribution is an amount that, when reduced by the tax attributable to the income, is equal to the amount of the distribution. Thus, if CFBank makes a distribution that reduces the amount allocated to its bad debt reserve, then approximately one and one-half times the amount used would be includible in gross income for federal income tax purposes, assuming a 34% corporate income tax rate. CFBank does not intend to make distributions that would result in a recapture of any portion of its bad debt reserve.

At December 31, 2014 and 2013, the Company had no unrecognized tax benefits recorded.  The Company does not expect the amount of unrecognized tax benefits to significantly change within the next twelve months.  The Company is subject to U.S. federal income tax and is no longer subject to federal examination for years prior to 2011. 

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Securities (Tables)

12 Months Ended

Dec. 31, 2014

Securities [Abstract]

Amortized cost and fair value of available-for-sale securities portfolio

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value
December 31, 2014
Corporate debt	$	2,932	$	5	$	1	$	2,936
State and municipal		897		-		11		886
Issued by U.S. government-sponsored entities and agencies:
U.S. Treasury		5,018		-		7		5,011
Mortgage-backed securities - residential		687		40		-		727
Collateralized mortgage obligations		860		25		-		885
Total	$	10,394	$	70	$	19	$	10,445

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value
December 31, 2013
Corporate debt	$	4,360	$	11	$	8	$	4,363
State and municipal		1,926		-		7		1,919
Issued by U.S. government-sponsored entities and agencies:								-
Mortgage-backed securities - residential		934		49		-		983
Collateralized mortgage obligations		2,354		53		-		2,407
Total	$	9,574	$	113	$	15	$	9,672

Proceeds From The Sales Of Securities

	2014		2013		2012
Proceeds	$	-	$	-	$	2,144
Gross gains		-		-		143
Gross losses		-		-		-
Tax effect-expense	$	-	$	-	$	-

Securities classified by maturity date

	December 31, 2014				December 31, 2013
	Amortized		Fair		Amortized		Fair
	Cost		Value		Cost		Value
Due in one year or less	$	4,829	$	4,821	$	2,386	$	2,379
Due from one to five years		4,018		4,012		3,900		3,903
Mortgage-backed securities		687		727		934		983
Collateralized mortgage obligations		860		885		2,354		2,407
Total	$	10,394	$	10,445	$	9,574	$	9,672

Fair value of securities pledged

	2014		2013			2012
Pledged as collateral for:
FHLB advances	$	4,208	$	2,024	$	4,707
Public deposits		2,476		905		2,199
Interest-rate swaps		353		443		1,511
Total	$	7,037	$	3,372	$	8,417

Securities with unrealized losses

December 31, 2014	Less than 12 Months				12 Months or More				Total
Description of Securities	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
Corporate debt	$	1,259	$	1	$	-	$	-	$	1,259	$	1
State and municipal		-		-		886		11		886		11
Issued by U.S. government-sponsored entities and agencies:
U.S. Treasury		5,011		7		-		-		5,011		7
Collateralized mortgage obligations		-		-		-		-		-		-
Total temporarily impaired	$	6,270	$	8	$	886	$	11	$	7,156	$	19

December 31, 2013	Less than 12 Months				12 Months or More				Total
Description of Securities	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
Corporate debt	$	239	$	1	$	1,002	$	7	$	1,241	$	8
State and municipal		1,015		1		904		6		1,919		7
Total temporarily impaired	$	1,254	$	2	$	1,906	$	13	$	3,160	$	15

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Subordinated Debentures (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jun. 30, 2014	Sep. 30, 2012	Dec. 31, 2008	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures	$ 5,155,000	$ 5,155,000					$ 5,155,000
Holding Company's investment in the common stock		155,000
Holding Company may redeem the subordinated debentures in a principal amount with integral multiples						$ 1
Percentage in which holding company redeem subordinated debentures						100.00%
Maturity date of subordinated debentures	Dec. 30, 2033
Cumulative deferred interest payments	0	210,000		293,000	348,000
Current interest paid	$ 2,097,000	$ 1,956,000	$ 2,835,000
Trust preferred securities and subordinated debentures have a variable rate of interest	2.85%
Trust preferred securities and subordinated debentures have a stated percentage	3.11%	3.10%
Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Holding Company, closed a pooled private offering							5,000
Trust preferred securities with a liquidation amount							$ 1
Subordinated [Member]
Subsidiary, Sale of Stock [Line Items]
Number of years with no principal repayment	5 years
Maximum number of years for deferred interest payments	5 years

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Earnings (Loss) Per Common Share (Summary of Anti-Dilutive Options or Warrants) (Details)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	245,381	639,686	40,502
Series B Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	6,857,143
Stock Warrant [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	1,152,125		49,474

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Stock-Based Compensation

12 Months Ended

Dec. 31, 2014

Stock-Based Compensation [Abstract]

Stock-Based Compensation

NOTE 16 – STOCK-BASED COMPENSATION

The Company has three stock-based compensation plans (the Plans) as described below.  Total compensation cost that has been charged against income for the Plans was $265,  $159, and $11 for 2014, 2013 and 2012, respectively.  The total income tax benefit was $15,  $7, and $1, respectively.

The Plans, which are stockholder-approved, provide for stock option grants and restricted stock awards to directors, officers and employees. The 1999 Stock-Based Incentive Plan, which expired July 13, 2009, provided 38,778 shares for stock option grants and 15,511 shares for restricted stock awards.  The 2003 Equity Compensation Plan (the “2003 Plan”), as amended and restated, provided an aggregate of 100,000 shares for stock option grants and restricted stock awards, of which up to 30,000 shares could be awarded in the form of restricted stock awards.  The 2009 Equity Compensation Plan, which was approved by stockholders on May 21, 2009, replaced the 2003 Plan and provides 200,000 shares, plus any remaining shares available to grant or that are later forfeited or expire under the 2003 Plan, that may be issued as stock option grants, stock appreciation rights or restricted stock awards.  On May 16, 2013, stockholders approved the First Amendment to the 2009 Equity Compensation Plan to increase the number of shares of common stock reserved for stock option grants and restricted stock awards thereunder to 1,500,000. 

Stock Options

The Plans permit the grant of stock options to directors, officers and employees of the Holding Company and CFBank.  Option awards are granted with an exercise price equal to the market price of the Company’s common stock on the date of grant, generally have vesting periods ranging from one to three years, and are exercisable for ten years from the date of grant.  Unvested stock options immediately vest upon a change of control. 

The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below.  Expected volatilities are based on historical volatilities of the Company’s common stock.  The Company uses historical data to estimate option exercise and post-vesting termination behavior.  Employee and management options are tracked separately.  The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable.  The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.

There were no options granted in 2014.  The fair value of options granted in 2013 and 2012 was determined using the following weighted‑average assumptions as of the grant date. 

	2014	2013	2012
Risk-free interest rate	0.00%	1.60%	1.23%
Expected term (years)	0	6	7
Expected stock price volatility	0%	88%	78%
Dividend yield	0.00%	0.00%	0.00%

A summary of stock option activity in the Plans for 2014 follows:

	Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (Years)	Intrinsic Value
Outstanding at beginning of year	639,686	$	1.70
Granted	-		-
Exercised	-		-
Expired	(1,200)		63.00
Cancelled or Forfeited	(17,090)		2.58
Outstanding at end of period	621,396	$	1.56	8.4	$	-
Expected to vest	343,331	$	1.40	8.5	$	-
Exercisable at end of period	278,065	$	1.75	8.2	$	-

During the year ended December 31, 2014, there were 17,090 stock options canceled or forfeited.  Expense associated with unvested forfeited shares is reversed.

Information related to the Plans during each year follows.  There were no options exercised in 2014 or 2013.

	2014		2013		2012
Intrinsic value of options exercised	$	-	$	-	$	-
Cash received from option exercises		-		-		-
Tax benefit realized from option exercises		-		-		-
Weighted average fair value of options granted	$	0.00	$	1.03	$	0.91

As of December 31, 2014, there was $137 of total unrecognized compensation cost related to nonvested stock options granted under the Plans.  The cost is expected to be recognized over a weighted-average period of 1.3 years. Substantially all of the 343,331 nonvested stock options at December 31, 2014 are expected to vest.

Restricted Stock Awards

The Plans also permit the grant of restricted stock awards to directors, officers and employees. Compensation is recognized over the vesting period of the awards based on the fair value of the stock at grant date.  The fair value of the stock is determined using the closing share price on the date of grant and shares generally have vesting periods of one to three years.  There were 953,642 shares available for stock option grants and restricted stock to be issued under the Plans at December 31, 2014.  There were no shares of restricted stock issued in 2014 or 2013.  As of December 31, 2014 and December 31, 2013, there were no nonvested restricted share awards.

There were no shares of restricted stock forfeited during the year ended December 31, 2014.  There were 1,000 shares of restricted stock forfeited during the year endedDecember 31, 2013,  which resulted in the reversal of previously recognized expense associated with the nonvested shares.  As of December 31, 2014 and 2013, there was no unrecognized compensation cost related to nonvested shares granted under the Plans.   The total fair value of shares vested during the years ended December 31, 2014, 2013 and 2012 was $0,  $1 and $4, respectively.

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Loans (Recorded Investment In Nonaccrual Loans By Class Of Loans) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total over 90 days still on accrual loans	$ 0
Total nonaccrual and nonperforming loans	1,548,000	5,738,000
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	369,000	563,000
Single-Family Residential[Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	549,000	479,000
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans		1,701,000
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	477,000	1,453,000
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans		1,070,000
Real Estate, Commercial, Land Acquisition [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans		420,000
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	51,000
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	102,000	52,000
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 1,548,000	$ 5,738,000

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Stock-Based Compensation (Summary Of Stock Option Activity) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year	639,686
Shares Granted	0
Shares Exercised	0	0
Shares Expired	(1,200)
Shares Cancelled or Forfeited	(17,090)
Shares, Outstanding at end of year	621,396	639,686
Shares, Expected to vest	343,331
Shares, Exercisable at end of period	278,065
Weighted Average Exercise Price, Beginning Balance	$ 1.70
Weighted Average Exercise Price, Expired	$ 63.00
Weighted Average Exercise Price, Cancelled or Forfeited	$ 2.58
Weighted Average Exercise Price, Ending Balance	$ 1.56	$ 1.70
Weighted Average Exercise Price, Expected to Vest	$ 1.40
Weighted Average Exercise Price, Exercisable at end of period	$ 1.75
Outstanding at end of period	8 years 4 months 24 days
Expected to vest	8 years 6 months
Exercisable at end of period	8 years 2 months 12 days

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Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2014
Stock-based incentive plan, shares	133	1,567
Accrued dividends		$ 801
Issuance of shares in common stock offering		15,000,000
Offering issuance costs		2,279
Series B Preferred Stock [Member]
Issuance of Preferred stock	0		480,000
Preferred stock, par value	$ 0.01		$ 0.01
Offering issuance costs			$ 631

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Consolidated Balance Sheets (Parenthetical) (USD $) In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Allowance for loans	$ 6,316	$ 5,729
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	15,935,417	15,935,417
Treasury stock, shares	111,707	111,707
Series B Preferred Stock [Member]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, share authorized	480,000	480,000
Preferred stock, share issued	480,000	0

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Deposits

12 Months Ended

Dec. 31, 2014

Deposits [Abstract]

Deposits

NOTE 9 – DEPOSITS

Time deposits of $100 or more were $109,353 and $94,213 at year-end 2014 and 2013, respectively.

Scheduled maturities of time deposits for the next five years are as follows:

2015	$	103,271
2016		20,714
2017		8,516
2018		2,522
2019		2,160
Thereafter		-
Total	$	137,183

Time deposits included $29,308and $20,966 in brokered deposits at year-end 2014 and 2013, respectively. 

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Income Taxes (Deferred Tax Assets and Liabilities) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Deferred tax assets:
Allowance for loan losses	$ 924	$ 1,002
Post-retirement death benefits	73	69
Deferred compensation	169	88
Deferred loans fees	116	44
ATM Credit	75	60
Nonaccrual interest	110	80
Net operating loss carryforward	2,112	2,487
Other	67	38
Gross deferred tax assets	3,646	3,868
Deferred tax liabilities:
FHLB stock dividend	366	366
Mortgage servicing rights	5	7
Depreciation	14	31
Prepaid expenses	61	63
Unrealized gain on securities available for sale	33	33
Deferred tax liabilities	479	500
Net deferred tax asset before valuation allowance	3,167	3,368
Deferred tax valuation allowance	(3,167)	(3,368)
Net deferred tax asset

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FHLB Advances (Advances From FHLB) (Details) (USD $) In Thousands, unless otherwise specified	Jan. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate	1.70%
Total fixed rate advances		$ 14,500	$ 10,000
January 2014 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate			3.12%
Total fixed rate advances			5,000
May 2014 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate			3.06%
Total fixed rate advances			5,000
January 2015 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		0.35%
Total fixed rate advances		2,500
May 2016 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		0.66%
Total fixed rate advances		3,000
November 2016 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		0.90%
Total fixed rate advances		2,000
September 2017 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		1.35%
Total fixed rate advances		1,500
July 2020 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		2.27%
Total fixed rate advances		2,500
July 2021 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Fixed interest rate		2.53%
Total fixed rate advances		$ 3,000

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Deposits (Scheduled Maturities of Time Deposits) (Details) (USD $)	Dec. 31, 2014
Disclosure Deposits Scheduled Maturities Of Time Deposits [Abstract]
2015	$ 103,271,000.00
2016	20,714,000.00
2017	8,516,000.00
2018	2,522,000.00
2019	2,160,000.00
Total	$ 137,183,000.00

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Earnings (Loss) Per Common Share (Computation of Earnings Per Share) (Details) (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Basic
Net income (loss)	$ 479	$ (918)	$ (3,766)
Less: Preferred dividends and accretion of discount on preferred stock			4,632
Less: Net loss allocated to unvested share-based payment awards	(421)
Net earnings (loss) allocated to common stockholders	58	(918)	866
Weighted average common shares outstanding for basic loss per common share	15,823,710	15,823,834	6,317,032
Less: Unvested share-based payment awards		(210)	(2,331)
Average shares	15,823,710	15,823,624	6,314,701
Basic earnings (loss) per common share	$ 0.00	$ (0.06)	$ 0.14
Diluted
Net earnings (loss) allocated to common stockholders	$ 58	$ (918)	$ 866
Add: Dilutive effects of assumed exercises of stock options	30,279		948
Average shares and dilutive potential common shares	15,853,989	15,823,624	6,315,649
Diluted earnings (loss) per common share	$ 0.00	$ (0.06)	$ 0.14

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Parent Company Only Condensed Financial Information (Condensed Balance Sheets) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2003
ASSETS
Cash and cash equivalents	$ 28,207	$ 19,160	$ 25,152	$ 61,436
Other assets	3,088	2,848
Total assets	315,588	255,748
Liabilities and Equity
Subordinated debentures	5,155	5,155			5,155
Stockholders' equity	34,509	22,864	23,643	9,944
Total liabilities and stockholder's equity	315,588	255,748
Parent Company [Member]
ASSETS
Cash and cash equivalents	3,025	3,263	4,673	560
Investment in banking subsidiary	34,572	23,592
Investment in and advances to other subsidiaries	220	273
Other assets	2,202	1,155
Total assets	40,019	28,283
Liabilities and Equity
Subordinated debentures	5,155	5,155
Accrued expenses and other liabilities	355	264
Stockholders' equity	34,509	22,864
Total liabilities and stockholder's equity	$ 40,019	$ 28,283

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Document And Entity Information (USD $) In Millions, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Mar. 15, 2015	Jun. 30, 2014
Document And Entity Information [Abstract]
Document Type	10-K/A
Amendment Flag	true
Document Period End Date	Dec. 31, 2014
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Entity Registrant Name	CENTRAL FEDERAL CORP
Entity Central Index Key	0001070680
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 23.4
Entity Common Stock, Shares Outstanding		15,823,710
Amendment Description	The sole purpose of this Amendment No.1 to the annual report on Form 10-K (the "Form 10-K") of Central Federal Corporation for the year ended December 31, 2014, filed with the Securities and Exchange Commission on March 31, 2015, is to furnish Exhibit 101.1 to the Form 10-K in accordance with Rule 405 of Regulation S-T. Exhibit 101.1 to the Form 10-K provides the financial statements and related notes from the Form 10-K formatted in XBRL (eXtensible Business Reporting Language). No other changes have been made to the Form 10-K.