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Private company

Federal Home Loan Bank of Cincinnati

Federal Home Loan Bank of Cincinnati is a regional wholesale bank.1

Last updated Oct 21, 2026.

Overview

  • IndustryFederal & Federally-Sponsored Credit Agencies1
  • HeadquartersCincinnati, Ohio1
  • Incorporated inUnited States2
  • Business address221 E. 4Th Street, 600 Atrium Two, Cincinnati, Oh 452022
  • Filer categoryNon-accelerated filer2

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The FHLB is a regional wholesale bank that serves the public interest by providing financial products and services to our members to fulfill a public-policy mission of supporting housing finance and community investment. We are part of the FHLBank System. Each of the 11 FHLBanks operates as a separate entity with its own stockholders, employees, Board of Directors, and business model. Our region, known as the Fifth District, comprises Kentucky, Ohio and Tennessee.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 income45678$575.0M in 2025+108% since 2019
0$200.0M$400.0M$600.0M$800.0M2019: $276.1M$276.1M20192020: $276.4M$276.4M2020+0%2021: $42.0M$42.0M2021−85%2022: $252.0M$252.0M2022+500%2023: $667.8M$667.8M2023+165%2024: $608.3M$608.3M2024−9%2025: $575.0M$575.0M2025−5%
Fiscal year20192020202120222023202420252026
Interest$2.0B4$841.2M5$357.8M6$1.7B6$6.1B6
Income before tax$46.7M6$280.6M7$742.3M8$676.0M8$639.2M8
Net income$276.1M4$276.4M5$42.0M6$252.0M7$667.8M8$608.3M8$575.0M8

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What it owns

What Federal Home Loan Bank of Cincinnati 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
Accumulated depreciation$42.6M7 Dec 31, 2024$39.8M7 Dec 31, 2023+7.1%
Property and equipment, net$16.2M7 Dec 31, 2024$10.6M7 Dec 31, 2023+52.9%
Operating-lease assets (leased space)$1.6M7 Dec 31, 2024$2.6M7 Dec 31, 2023−40.9%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$8.7B8 Dec 31, 2025$7.2B8 Dec 31, 2024+19.8%

Properties, in its own words

Our primary offices are located in approximately 79,000 square feet of leased space in downtown Cincinnati, Ohio. We also maintain a leased, fully functioning, back-up facility in suburban Cincinnati. We believe that our facilities are in good condition, well maintained, and adequate for our current needs.

Item 2 of the 10-K filed Mar 19, 2026.3

Timeline

  1. Oct 13, 20268-K New debt or obligation12
  2. Oct 6, 20268-K New debt or obligation13
  3. Oct 1, 20268-K New debt or obligation14
  4. Sep 29, 20268-K New debt or obligation15
  5. Sep 24, 20268-K New debt or obligation16
  6. Sep 22, 20268-K New debt or obligation17
  7. Sep 15, 20268-K New debt or obligation18
  8. Sep 10, 20268-K New debt or obligation19
  9. Sep 8, 20268-K Executive or director change; Regulation FD disclosure20
  10. Sep 8, 20268-K New debt or obligation21
  11. Sep 1, 20268-K New debt or obligation22
  12. Aug 27, 20268-K New debt or obligation23

Calendar

Coming up

  1. Around Oct 21, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 29, 2026Reported quarterly or annual results24
  2. May 6, 2026Reported quarterly or annual results25
  3. Apr 29, 2026Reported quarterly or annual results26
  4. Feb 19, 2026Reported quarterly or annual results27
  5. Oct 29, 2025Reported quarterly or annual results28
  6. Jul 29, 2025Reported quarterly or annual results29
  7. May 8, 2025Reported quarterly or annual results30
  8. Apr 29, 2025Reported quarterly or annual results31

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

Filings

489 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 469 major events. The latest 20:

  1. Oct 13, 20268-K EDGAR
  2. Oct 6, 20268-K EDGAR
  3. Oct 1, 20268-K EDGAR
  4. Sep 29, 20268-K EDGAR
  5. Sep 24, 20268-K EDGAR
  6. Sep 22, 20268-K EDGAR
  7. Sep 15, 20268-K EDGAR
  8. Sep 10, 20268-K EDGAR
  9. Sep 8, 20268-K EDGAR
  10. Sep 8, 20268-K EDGAR
  11. Sep 1, 20268-K EDGAR
  12. Aug 27, 20268-K EDGAR
  13. Aug 25, 20268-K EDGAR
  14. Aug 18, 20268-K EDGAR
  15. Aug 13, 20268-K EDGAR
  16. Aug 11, 202610-Q EDGAR
  17. Aug 11, 20268-K EDGAR
  18. Aug 4, 20268-K EDGAR
  19. Jul 30, 20268-K EDGAR
  20. Jul 29, 20268-K EDGAR

The 489 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 Cincinnati 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 Cincinnati1
  • CIK0001326771
  • Employer ID (EIN)31-60002283
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inUnited States3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6111 Federal & Federally-Sponsored Credit Agencies1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address221 E. 4Th Street, 600 Atrium Two, Cincinnati, OH 452021
  • Mailing address600 Atrium Two, P.O. Box 598, Cincinnati, OH 45201-05981
  • Phone513-852-75001
  • Shares outstanding49,327,665 as of Jul 31, 202611
  • Public float$0 as of Jun 30, 20258
  • AuditorPricewaterhouseCoopers LLP, Cincinnati, Ohio PCAOB ID 238; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceJun 30, 20051
  • Filings1,887 in all: 8-K (1,787), 10-Q (62), 10-K (21), 8-K/A (9), 10-12G (2), UPLOAD (2), 10-12G/A (1), CORRESP (1)1
    All 10 form types

    NO ACT (1), RW (1)

  • Latest filingsAnnual report (10-K) Mar 19, 2026
    Quarterly report (10-Q) Aug 11, 2026
    Latest 8-K (8-K) Oct 13, 2026

Risk factors and legal proceedings

The risks Federal Home Loan Bank of Cincinnati names in Item 1A of its 10-K filed Mar 19, 2026: 15 risks under these headings, as written.3

  • BUSINESS AND REGULATORY RISK
  • Global or domestic financial market and economic disruptions or geopolitical conditions, including downturns in the U.S. housing market and related U.S. government monetary policy responses, could lower Mission Assets and Activities and profitability.
  • The competitive environment for our products could adversely affect business activities, including decreasing the level and utilization rates of Mission Assets and Activities, earnings, and capitalization.
  • Sharp reductions in Mission Assets and Activities resulting from lower usage by large members, consolidation of large members, or continued shift in mortgage lending activities towards entities not eligible for FHLB membership could adversely impact our net income and dividends.
  • Changes in the legislative and regulatory environment could unfavorably affect our business model, financial condition, and results of operations.
  • Potential GSE reform could unfavorably affect our business model, financial condition, and results of operations.
  • Failure to meet minimum capital adequacy requirements mandated by Finance Agency regulations and supervisory guidance could affect our ability to pay dividends or repurchase or redeem members' capital stock, which may cause a decrease in demand for Advances or difficulties in retaining existing members and attracting new members.
  • MARKET AND LIQUIDITY RISK
  • Changes in interest rates and mortgage prepayment speeds (together referred to as market risk exposure or interest rate risk exposure) could significantly affect our financial condition and results of operations.
  • Impaired access to the capital markets for debt issuance could decrease the amount of Mission Assets and Activities, lower earnings by raising debt costs and, at the extreme, prevent the System from meeting its financial obligations.
  • CREDIT RISK
  • We are exposed to credit risk that, if realized, could materially affect our financial condition and results of operations.
The other 6 risks
  • We are jointly and severally liable for the Consolidated Obligations of other FHLBanks. Financial difficulties at other FHLBanks could require us to provide financial assistance to another FHLBank, which could adversely affect our results of operations or our financial condition.
  • OPERATIONAL RISK
  • Failures or interruptions of the Office of Finance's services could disrupt the ability to conduct and manage our business.
  • Failures or interruptions in our information systems and other technologies and our reliance on third-party vendors could harm our financial condition, results of operations, reputation, and relations with members.
  • We rely on financial models to manage certain risks, support business decisions, and for accounting and reporting purposes. The impact of financial models and the underlying assumptions used could have an adverse impact on our financial condition and results of operations.
  • Natural disasters, including those resulting from extreme weather, could adversely affect our business and our members’ businesses.
  • Our financial condition and results of operations could suffer if we are unable to hire and retain skilled key personnel.

Legal proceedings

From time to time, we are subject to various legal proceedings arising in the normal course of business. Management does not anticipate that the ultimate liability, if any, arising out of these matters will have a material adverse effect on our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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