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Private company

Federal Home Loan Bank of Chicago

Federal and federally-sponsored credit agencies company1

In its 2026 annual report the company says: “We are a federally chartered corporation and one of 11 Federal Home Loan Banks (the FHLBs) that, with the Office of Finance, comprise the Federal Home Loan Bank System (the FHLB System or the System).”3 It is headquartered in Chicago, Illinois.1

Last updated Oct 21, 2026.

Overview

  • IndustryFederal & Federally-Sponsored Credit Agencies1
  • HeadquartersChicago, Illinois1
  • Incorporated inUnited States2
  • Business address433 West Van Buren Street, Suite 501S, Chicago, Il 606072
  • Filer categoryNon-accelerated filer2

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The Federal Home Loan Bank of Chicago a maintains a website located at http://www.fhlbc.com where we make available our financial statements and other information regarding us and our products free of charge. We are required to file with the Securities and Exchange Commission (SEC) an annual report on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K. The SEC maintains a website that contains these reports and other information regarding our electronic filings located at http://www.sec.gov. Information on these websites, or that can be accessed through these websites, does not constitute a part of this annual report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income4567$654.0M in 2025+75% since 2020
0$200.0M$400.0M$600.0M$800.0M2020: $374.0M$374.0M20202021: $275.0M$275.0M2021−26%2022: $415.0M$415.0M2022+51%2023: $660.0M$660.0M2023+59%2024: $620.0M$620.0M2024−6%2025: $654.0M$654.0M2025+5%
Fiscal year20192020202120222023202420252026
Interest$2.2B8$840.0M4$285.0M5$1.9B5$6.3B5
Income before tax$307.0M5$463.0M6$735.0M7$690.0M7$727.0M7
Net income$374.0M4$275.0M5$415.0M6$660.0M7$620.0M7$654.0M7

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What it owns

What Federal Home Loan Bank of Chicago reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Operating-lease assets (leased space)$35.0M7 Dec 31, 2025$38.0M7 Dec 31, 2024−7.9%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$14.7B7 Dec 31, 2025$13.3B7 Dec 31, 2024+10.6%
Deposits held (banks)$840.0M6 Dec 31, 2024$628.0M6 Dec 31, 2023+33.8%

Properties, in its own words

As of February 28, 2026, we occupy 129,065 square feet of leased office space at 433 West Van Buren Street, Chicago, Illinois 60607 (the “OPO Location”).

Item 2 of the 10-K filed Mar 10, 2026.3

Timeline

  1. Oct 15, 20268-K New debt or obligation16
  2. Oct 14, 20268-K New debt or obligation17
  3. Oct 8, 20268-K New debt or obligation18
  4. Oct 6, 20268-K New debt or obligation19
  5. Oct 1, 20268-K New debt or obligation20
  6. Sep 29, 20268-K New debt or obligation21
  7. Sep 24, 20268-K New debt or obligation22
  8. Sep 22, 20268-K New debt or obligation23
  9. Sep 17, 20268-K New debt or obligation24
  10. Sep 15, 20268-K Executive or director change25
  11. Sep 15, 20268-K New debt or obligation26
  12. Sep 10, 20268-K New debt or obligation27

Calendar

Coming up

  1. Around Oct 22, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results28
  2. Apr 21, 2026Reported quarterly or annual results29
  3. Feb 10, 2026Reported quarterly or annual results30
  4. Jan 23, 2026Reported quarterly or annual results31
  5. Oct 23, 2025Reported quarterly or annual results32
  6. Jul 23, 2025Reported quarterly or annual results33
  7. Apr 22, 2025Reported quarterly or annual results34
  8. Feb 11, 2025Reported quarterly or annual results35

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

573 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 553 major events. The latest 20:

  1. Oct 15, 20268-K EDGAR
  2. Oct 14, 20268-K EDGAR
  3. Oct 8, 20268-K EDGAR
  4. Oct 6, 20268-K EDGAR
  5. Oct 1, 20268-K EDGAR
  6. Sep 29, 20268-K EDGAR
  7. Sep 24, 20268-K EDGAR
  8. Sep 22, 20268-K EDGAR
  9. Sep 17, 20268-K EDGAR
  10. Sep 15, 20268-K EDGAR
  11. Sep 15, 20268-K EDGAR
  12. Sep 10, 20268-K EDGAR
  13. Sep 9, 20268-K EDGAR
  14. Sep 3, 20268-K EDGAR
  15. Sep 1, 20268-K EDGAR
  16. Aug 27, 20268-K EDGAR
  17. Aug 25, 20268-K EDGAR
  18. Aug 20, 20268-K EDGAR
  19. Aug 18, 20268-K EDGAR
  20. Aug 13, 20268-K EDGAR

The 573 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

SEC filer profile

How Federal Home Loan Bank of Chicago is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFederal Home Loan Bank of Chicago1
  • CIK0001331451
  • Employer ID (EIN)36-60010193
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inX13
  • Fiscal year endsDecember 311
  • Industry code (SIC)6111 Federal & Federally-Sponsored Credit Agencies1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address433 West Van Buren Street, Suite 501S, Chicago, IL 606071
  • Phone(312)565-57001
  • Shares outstanding41,679,233 as of Jun 30, 202613
  • Public float$0 as of Jun 30, 20257
  • AuditorPricewaterhouseCoopers LLP, Chicago, IL 60606 PCAOB ID 238; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceJun 30, 20051
  • Filings2,230 in all: 8-K (2,097), 10-Q (62), 8-K/A (31), 10-K (21), 10-Q/A (5), 10-12G (2), 10-12G/A (2), 10-K/A (2)1
    All 15 form types

    UPLOAD (2), 15-12G (1), 8-A12G (1), CORRESP (1), NO ACT (1), NT 10-Q (1), RW (1)

  • Latest filingsAnnual report (10-K) Mar 10, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Latest 8-K (8-K) Oct 15, 2026

Risk factors and legal proceedings

The risks Federal Home Loan Bank of Chicago names in Item 1A of its 10-K filed Mar 10, 2026: 23 risks under these headings, as written.3

  • The Bank and our members are subject to and affected by a complex body of laws and regulations and regulatory guidance, which could change or be applied in a manner detrimental to our business operations and adversely affect our financial condition.
  • Our business and results of operations may be adversely affected by changing economic conditions, including the condition of the U.S. housing and mortgage markets, and related U.S. government policies.
  • We face competition for advances, which could adversely affect our business.
  • The loss of key personnel or difficulties recruiting and retaining qualified personnel could adversely impact our business and financial results.
  • Our and our members’ inability to adapt to a rapidly evolving financial services industry amid a highly competitive and evolving regulated landscape, while managing expenditures, could harm our business.
  • Reduced business activities with significant members or the loss of such members could result in lower demand for our products and services, and negatively impact our financial condition and results of operation.
  • Failure to meet minimum regulatory capital requirements and guidance could adversely affect our ability to conduct business and our earnings, and could restrict us from redeeming or repurchasing stock which would create an illiquid investment for holders.
  • Changes in the perception, status or regulation of GSEs and the related effect on debt issuance could reduce demand or increase the cost of the FHLBs' debt issuance and adversely affect our earnings.
  • Any reduction in dividend levels, failure to meet our dividend guidance or the cessation of dividend guidance in the future, limitations on the payment of dividends and repurchase of excess capital stock, or future changes to our capital stock requirements may adversely affect our business.
  • Our MPF Program relies on the participation of our PFIs, other FHLBs and their PFIs, and the loss of any such participants may adversely impact our results and operation and business. The continued decline and shift in national mortgage originations and the competitive and highly regulated landscape may also negatively impact our MPF Program and the related business.
  • Changes in interest rates or an inability to successfully manage interest-rate risk could have a material adverse effect on our net interest income.
  • We depend on the FHLBs' ability to access the capital markets in order to fund our business.
The other 11 risks
  • Our funding costs and/or access to the capital markets and demand for certain of our products could be adversely impacted by changes in the credit ratings for FHLB System consolidated obligations or our individual credit ratings.
  • Our financial condition and results of operations, and the value of Bank membership, could be adversely affected by our exposure to credit risk.
  • Federal Funds and Interest-Bearing Deposits.
  • Securities Purchased Under Agreements to Resell.
  • Our MPF Program products have different risks than those related to our traditional advances products, which could adversely impact our results of operations.
  • We are jointly and severally liable for the consolidated obligations of other FHLBs.
  • The occurrence of weather-related events, other natural or environmental disasters, health emergencies, or other disruptive events, especially ones affecting our district and/or members in our district, could negatively impact our business and results of operations.
  • A cyberattack, information or security breach, or a technology failure of ours or a third or fourth party, including our use of vendor cloud-based services, could adversely affect our ability to conduct our business, result in significant disclosure or misuse of confidential or proprietary information, and adversely impact our results of operations and financial condition, as well as cause legal or reputational harm.
  • We rely on quantitative models to manage risk, to make business decisions, and to value our assets and liabilities. Our business could be adversely affected if those models fail to produce reliable results.
  • Failures or interruptions in our information systems and other technology, our controls, or our operating processes generally, may harm our business, financial condition, results of operations, and reputation.
  • A significant portion of our business support services are hosted by third party vendors and if our vendors fail to adequately perform the contracted services in the manner necessary to meet our needs or if they become subject to any information or security breach or technological failures, our business, financial condition, and results of operations may be harmed. Additionally any failure in the operating systems related to the Office of Finance could disrupt our ability to conduct and manage our business.

Legal proceedings

The Bank may be subject to various legal proceedings arising in the normal course of business. After consultation with legal counsel, management is not aware of any legal proceedings that might have a material effect on the Bank's financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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