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Private company

Federal Home Loan Bank of San Francisco

American federal and federally-sponsored credit agencies company2

In its 2026 annual report the company says: “We are a wholesale bank—we link our customers to the global capital markets and seek to manage our own liquidity and interest rate risk so that funds are available when our customers need them. We are one of 11 regional Federal Home Loan Banks (FHLBanks) that serve the United States as part of the Federal Home Loan Bank System (FHLBank System).”4 It is headquartered in San Francisco, United States.2

Last updated Oct 21, 2026.

Overview

  • IndustryFederal & Federally-Sponsored Credit Agencies2
  • HeadquartersSan Francisco, United States2
  • Incorporated inUnited States3
  • Business address333 Bush Street, Suite 2700, San Francisco, Ca 941043
  • Filer categoryNon-accelerated filer3
  • Legal formBANK2
  • LEI7E6TT5O1VE57PDBHZD182
  • StatusActive2
  • LEI statusIssued and current2
  • Registered address333 Bush Street, 94104 San Francisco, United States2
  • Registered withSecurities and Exchange Commission, 00013169442

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At the Federal Home Loan Bank of San Francisco (Bank or we), our purpose is to enhance the availability of credit for residential mortgages and economic development by providing a readily available, competitively priced source of funds in the form of collateralized loans known as advances for housing and community lenders. We are a wholesale bank—we link our customers to the global capital markets and seek to manage our own liquidity and interest rate risk so that funds are available when our customers need them. By providing needed liquidity and financial risk management tools, our credit programs enhance competition in the mortgage market and benefit homebuyers and communities.4 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 income5$287.0M in 2021−12% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $327.0M$327.0M20192020: $335.0M$335.0M2020+2%2021: $287.0M$287.0M2021−14%
Fiscal year20192020202120222023202420252026
Interest$2.3B5$614.0M6$76.0M7$1.6B8$5.2B9$4.0B9$3.0B9
Income before tax$319.0M7$359.0M8$602.0M9$454.0M9$449.0M9
Net income$327.0M5$335.0M5$287.0M5

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What it owns

What Federal Home Loan Bank of San Francisco 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$85.0M9 Dec 31, 2025$81.0M9 Dec 31, 2024+4.9%
Property and equipment, net$17.0M9 Dec 31, 2025$22.0M9 Dec 31, 2024−22.7%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$639.0M9 Dec 31, 2025$693.0M9 Dec 31, 2024−7.8%

Properties, in its own words

The Federal Home Loan Bank of San Francisco (Bank) maintains its principal offices in leased premises totaling 96,139 square feet of space at 333 Bush Street in San Francisco, California. The Bank believes these facilities are adequate for the purposes for which they are currently used and are well maintained.

Item 2 of the 10-K filed Mar 5, 2026.4

Timeline

  1. Oct 13, 20268-K New debt or obligation15
  2. Oct 6, 20268-K Executive or director change16
  3. Oct 1, 20268-K Shareholder vote; Regulation FD disclosure17
  4. Sep 29, 20268-K New debt or obligation18
  5. Sep 24, 20268-K New debt or obligation19
  6. Sep 22, 20268-K New debt or obligation20
  7. Sep 17, 20268-K New debt or obligation21
  8. Sep 15, 20268-K New debt or obligation22
  9. Sep 10, 20268-K New debt or obligation23
  10. Sep 8, 20268-K New debt or obligation24
  11. Sep 3, 20268-K New debt or obligation25
  12. Aug 25, 20268-K New debt or obligation26
  13. Sep 17, 2012Founded Federal Home Loan Bank of San Francisco is founded2

Calendar

Coming up

  1. Around Oct 23, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 24, 2026Reported quarterly or annual results27
  2. Apr 24, 2026Reported quarterly or annual results28
  3. Feb 12, 2026Reported quarterly or annual results29
  4. Oct 24, 2025Reported quarterly or annual results30
  5. Jul 25, 2025Reported quarterly or annual results31
  6. Apr 25, 2025Reported quarterly or annual results32
  7. Feb 20, 2025Reported quarterly or annual results33
  8. Oct 25, 2024Reported quarterly or annual results34

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

Filings

471 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 451 major events. The latest 20:

  1. Oct 13, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  2. Oct 6, 20268-K 8-K NEVADA MEMBER DIRECTOR VACANCY EDGAR
  3. Oct 1, 20268-K 8-K 2026 DIRECTOR ELECTIONS RESULTS EDGAR
  4. Sep 29, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  5. Sep 24, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  6. Sep 22, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  7. Sep 17, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  8. Sep 15, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  9. Sep 10, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  10. Sep 8, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  11. Sep 3, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  12. Aug 25, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  13. Aug 20, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  14. Aug 18, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  15. Aug 13, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  16. Aug 11, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  17. Aug 5, 202610-Q EDGAR
  18. Jul 30, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR
  19. Jul 24, 20268-K EDGAR
  20. Jul 23, 20268-K CURRENT REPORT, ITEM 2.03 EDGAR

The 471 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 San Francisco 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 San Francisco1
  • CIK0001316944
  • Employer ID (EIN)94-60006304
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inUnited States4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6111 Federal & Federally-Sponsored Credit Agencies1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address333 Bush Street, Suite 2700, San Francisco, CA 941041
  • Phone(415) 616-10001
  • Shares outstanding25,371,311 as of Jul 31, 202612
  • Public float$0 as of Jun 30, 20259
  • AuditorPricewaterhouseCoopers LLP, San Francisco, California PCAOB ID 238; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceJun 30, 20051
  • Filings2,241 in all: 8-K (2,104), 10-Q (63), 8-K/A (38), 10-K (21), CT ORDER (6), UPLOAD (3), CORRESP (2), NO ACT (2)1
    All 10 form types

    10-12G (1), 10-12G/A (1)

  • Latest filingsAnnual report (10-K) Mar 5, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Latest 8-K (8-K) Oct 13, 2026

Risk factors and legal proceedings

The risks Federal Home Loan Bank of San Francisco names in Item 1A of its 10-K filed Mar 5, 2026: 17 risks under these headings, as written.4

  • Market, Financial, and Economic Risks
  • Unfavorable market conditions, uncertainty or volatility in the housing and mortgage markets may adversely affect our business, profitability, or results of operations.
  • Changes in or limits on our ability to access the capital markets or inordinate stress conditions in the financial markets could adversely affect our financial condition, results of operations, or ability to fund advances, pay dividends, or redeem or repurchase capital stock or meet our obligations as they come due or meet the credit and liquidity needs of our members in a timely and cost-effective manner.
  • Changes in federal fiscal and monetary policy, including changes in interest rates, could adversely affect our financial condition, results of operations, member demand for advances, or ability to fund advances on acceptable terms, pay dividends, or redeem or repurchase capital stock.
  • Our exposure to credit risk, including defaults and insufficient collateral protection, could adversely affect our financial condition, results of operations, or ability to pay dividends or redeem or repurchase capital stock.
  • Changes in the credit ratings on FHLBank System consolidated obligations may adversely affect the cost of consolidated obligations.
  • Strategic Execution Risks
  • We face competition for advances and access to funding, which could adversely affect our business.
  • We have a high concentration of advances and capital with certain institutions and their affiliates, including nonmember institutions, and a loss or change of business activities with any of these institutions, or a material or prolonged decline in demand for advances, could adversely affect our results of operations and financial condition.
  • We may become liable for all or a portion of the consolidated obligations for which other FHLBanks are the primary obligors, and may be required to provide financial assistance to other FHLBanks, and this could affect our ability to pay dividends or redeem or repurchase capital stock.
  • We could change, or be required to change or diverge from our policies, programs, and agreements affecting our members, including changing or reducing dividend levels and the redemption or repurchase of excess capital stock and changing to our capital stock requirements.
  • Operational Risks
The other 8 risks
  • We rely heavily on information systems and other technology. A failure, interruption, or security breach, including events caused by cyberattacks, of our information systems or those of critical vendors and third parties, such as the Federal Reserve Banks, could disrupt our business or adversely affect our financial condition, results of operations, or reputation.
  • The inability to attract and retain skilled key personnel could adversely affect the business, workforce, and operations of the Bank.
  • We rely on financial models to manage risk, make business decisions, and value our assets and liabilities. Our business could be adversely affected if those models fail to produce reliable results or if the results are not utilized appropriately.
  • Regulatory Risks
  • We are affected by federal and state laws and regulations that could change or be applied in a manner detrimental to our operations, or to the ability or motivation to invest in the Bank or use our products and services.
  • Our members are governed by federal and state laws and regulations that could change in a manner detrimental to their ability or motivation to invest in the Bank or to use our products and services.
  • Changes in the status, regulation, and perception of the housing GSEs or in policies and programs relating to the housing GSEs may adversely affect our business activities, future advances balances, the cost of debt issuance, or future dividend payments.
  • We rely on derivative transactions to reduce our market risk and funding costs, and changes in our credit ratings or the credit ratings of our derivative counterparties, or changes in the legislation or the regulations affecting derivatives, may adversely affect our ability to enter into derivative transactions on cost-effective terms.
  • General Risk Factors
  • Natural disasters, pandemics, terrorist attacks, or other catastrophic events could adversely affect our operations, business activities, reputation, results of operations, and financial condition.

Legal proceedings

The Federal Home Loan Bank of San Francisco (Bank) may be subject to various legal proceedings arising in the normal course of business.

After consultation with legal counsel, the Bank is not aware of any legal proceedings that are expected to have a material effect on its financial condition or results of operations or that are otherwise material to the Bank.

The opening of Item 3, Legal Proceedings.4

Sources

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