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Federal Home Loan Bank of New York earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026
Q3 2026 Revenue down 1% year over year to $242M · 65¢ of every $1 of revenue kept as net profit · operating margin 72.4%
Federal Home Loan Bank of New York made $242M in Q3 2026 (-0.8% Y/Y): Net interest income $215M, Noninterest income $27.4M. Operating margin 72.4%, net earnings $158M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
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What changed this quarter
Revenue was $241.9M in Q3 2026, down 1% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 89% of revenue. Noninterest income lost $4.6M year over year (down 14%), 227% of the total change.
Operating profit was $175.1M, a 72.4% margin (down 0.4 points year over year). Total costs grew 1% against a revenue fall of 1%. Net earnings were $157.6M, down 1% year over year. The effective tax rate was 10.0%.
Operating cash flow was $2,411.6M (up 1618% year over year), 1530% of net earnings. Non-cash charges added back $4.8M of depreciation. Working capital and other items added $2,249.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $242M | -0.8% | 72.4% | $158M | $2.4B |
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About Federal Home Loan Bank of New York
The Federal Home Loan Bank of New York (“we,” “us,” “our,” “the Bank” or the “FHLBNY”) is a federally chartered corporation exempt from federal, state and local taxes except local real property taxes. It is one of eleven district Federal Home Loan Banks
In its own words, from its 10-K, filed Mar 20, 2026.
Federal Home Loan Bank of New York against its Federal & Federally-Sponsored Credit Agencies peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -0.8% against the peers' median +19%. Operating margin: 72.4% against the peers' median 66.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Federal Home Loan Bank of New York | Q3 2026 | $242M | -0.8% | 72.4% |
| FNMA Federal National Mortgage Association Fannie Mae | Q3 2026 | $7.7B | +5% | 66.8% |
| FMCC Federal Home Loan Mortgage | Q3 2026 | $6.8B | +19% | 59.0% |
| Federal Home Loan Bank of Pittsburgh | Q3 2026 | $188M | +26% | 79.7% |
| AGM Federal Agricultural Mortgage | Q3 2026 | $125M | +20% | 63.5% |
Source: Federal Home Loan Bank of New York 10-Q on SEC EDGAR · CIK 1329842 · Federal & Federally-Sponsored Credit Agencies