The Federal Home Loan Bank of Cincinnati (FHLB) is a $111.7 billion regional wholesale bank providing housing finance and eco ... nomic development products and services to 658 member institutions located in the Fifth FHLB District of Kentucky, Ohio, and Tennessee. The FHLB System, including 11 district banks and over 7,300 members, was chartered in 1932 by the U.S. Congress to provide liquidity and other funding for housing finance. The FHLB is wholly owned by its member institution stockholders and does not use taxpayer dollars. We recognize and appreciate the valuable contribution of a diverse workforce! read more