
Opening Doors, Changing Lives


A Letter to Our Communities
The Federal Home Loan Bank System (FHLBank System) is proud to share stories of our efforts to promote inclusion through action. The essential mission of the FHLBank System is to provide liquidity to members through all economic cycles. However, each of the 11 regional banks and the Office of Finance are part of a nation of neighbors. The banks are not just buildings in a community, but active members of those communities.
The stories in this report reflect the work of our staff, member institutions, and community partners throughout 2023–2024. Through interviews, photos, and videos, we are sharing our vision for a more inclusive future. While our efforts are wide-ranging, we have organized these stories into three categories.
Trusted Teammates: Employees work daily to bring our mission to life. Employees and leaders in Boston, Cincinnati, Dallas, and New York exemplify these efforts through stories about creating accessible workplaces, making organizations more inclusive and welcoming for all employees, supporting caregivers when they return to the workforce, and effective mentorship.
Community Catalysts: Authentic service starts with a genuine desire to meet the real needs of our communities. In Atlanta, Chicago, Des Moines, and San Francisco, banks worked with community partners, nonprofits, colleges, and universities to provide resources and education to underserved communities.
District Dynamos: Stories from Indianapolis, the Office of Finance, Pittsburgh, and Topeka highlight the importance of community development across each bank’s district. Through public art, partnering with small businesses, supporting long-term community development, and funding accessible housing, these efforts extend beyond the institutions’ namesake cities.
Though our reach is nationwide, we are deeply committed to fostering inclusion in the communities in which we live, work, and play. At its core, our mission is to open doors through home ownership and community development. Opening doors and changing lives requires action inside our offices, in our communities, and beyond. We invite you to read our stories of inclusivity in action.
Read the 2022-2023 stories (PDF).
You can read about our efforts in the areas of capital markets, workforce, and supplier diversity in our annual Impact Report.
Kirk R. Malmberg, President & CEO
Federal Home Loan Bank of Atlanta
Andrew S. Howell (Andy), President & CEO
Federal Home Loan Bank of Cincinnati
Cindy L. Konich, President & CEO
Federal Home Loan Bank of Indianapolis
Alanna McCargo, President & CEO
Federal Home Loan Bank of San Francisco
Tim Barrett, President & CEO
Federal Home Loan Bank of Boston
Sanjay Bhasin, President & CEO
Federal Home Loan Bank of Dallas
José R. González, President & CEO
Federal Home Loan Bank of New York
Jeffrey B. Kuzbel, President & CEO
Federal Home Loan Bank of Topeka
Michael A. Ericson, President & CEO
Federal Home Loan Bank of Chicago
Kris Williams, President & CEO
Federal Home Loan Bank of Des Moines
David G. Paulson, President & CEO
Federal Home Loan Bank of Pittsburgh
Randy Snook, CEO
Federal Home Loan Banks Office of Finance
Trusted Teammates
Our efforts are so successful because our team members understand and value our mission. Learn about the FHLBanks employees who are working to foster belonging in their workplaces.
Community Catalysts
Changing our communities for the better requires authentic connections and collaboration. Read more about the banks connecting with their communities through service, grants, strategic partnerships.
District Dynamos
While we might be located in a major city, our efforts extend across our districts. Communities of all sizes benefit from these programs. Explore the ways several banks are fostering inclusion throughout their regions.
