The Federal Home Loan Bank of Cincinnati is a regional wholesale bank providing financial services for residential housing and economic development to 618 member-stockholders in the FHLB System’s Fifth District of Kentucky, Ohio and Tennessee. Eligible stockholders include banks, thrifts, credit unions, insurance companies and community development financial institutions. We are one of 11 Federal Home Loan Banks nationwide, a system created by Congress in 1932 to support housing finance.

Our mission is to provide members with reliable funding to support housing finance, affordable housing and community investment, and assist with their balance sheet management.

About Us

Membership Membership

We provide members with liquidity, as well as services to help them connect with their communities.

Leadership photo of boardroom Leadership

Meet our management team, our Board of Directors and our Affordable Housing Advisory Council.

Capitol building Public Affairs

We were created by Congress in 1932, and contribute to the national conversation on housing finance

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How do our affordable housing programs affect your community? Search here.

FHLB's communication fosters relationship with Standing Stone Bank

FHLB's communication with our members helps set us apart and creates an invaluable relationship with members like Standing Stone Bank.

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