# EDGAR Filing Document

**Accession Number:** 0001326771
**File Stem:** 0001326771-25-000215
**Filing Date:** 2025-11
**Character Count:** 12062
**Document Hash:** ff956685eb2295c9802d4fbb1e5bbda4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001326771-25-000215.hdr.sgml**: 20251121

**ACCESSION NUMBER**: 0001326771-25-000215

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20251120

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Submission of Matters to a Vote of Security Holders

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251121

**DATE AS OF CHANGE**: 20251121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Federal Home Loan Bank of Cincinnati
- **CENTRAL INDEX KEY:** 0001326771
- **STANDARD INDUSTRIAL CLASSIFICATION:** FEDERAL & FEDERALLY-SPONSORED CREDIT AGENCIES [6111]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 316000228
- **STATE OF INCORPORATION:** X1
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-51399
- **FILM NUMBER:** 251506169

**BUSINESS ADDRESS:**
- **STREET 1:** 221 E. 4TH STREET
- **STREET 2:** 600 ATRIUM TWO
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45202
- **BUSINESS PHONE:** 513-852-7500

**MAIL ADDRESS:**
- **STREET 1:** 600 ATRIUM TWO
- **STREET 2:** P.O. BOX 598
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45201-0598

?xml version='1.0' encoding='ASCII'? fhlbcin-20251120

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION** 

**WASHINGTON, D.C. 20549** 

**FORM 8-K** 

**CURRENT REPORT** 

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 21, 2025 (November 20, 2025)

**Federal Home Loan Bank of Cincinnati** 

*(Exact name of registrant as specified in its charter)* 

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| | | |
|:---|:---|:---|
| **Federally Chartered Corporation of the United States** | **000-51399** | **31-6000228** |
| *(State or other jurisdiction* <br>*of incorporation)* | *(Commission* <br>*File Number)* | *(I.R.S. Employer* <br>*Identification No.)* |
| **600 Atrium Two, P.O. Box 598,** <br>**Cincinnati, Ohio** |  | **45201-0598** |
| *(Address of principal executive offices)* |  | *(Zip Code)* |

---

Registrant's telephone number, including area code:

**(513) 852-7500**

**Not Applicable**

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. □

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**Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.**

On November 20, 2025, the Federal Home Loan Bank of Cincinnati's (FHLB's) board of directors (Board) declared three individuals elected in the FHLB's 2025 election of directors (2025 Director Election) with each serving a four-year term to commence January 1, 2026, and end December 31, 2029. The Board comprises Member directors and Independent directors who are elected by the FHLB's Members, as discussed under "Item 10-Directors, Executive Officers, and Corporate Governance" of the FHLB's 2024 Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 20, 2025 (2024 Annual Report).

After reviewing the results of the 2025 Director Election, the Board declared the following individuals elected as Kentucky Member Directors, respectively:

-- J. Wade Berry, President & CEO, Farmers Bank & Trust Company, Marion, Kentucky. An incumbent director, Mr. Berry currently serves as Chair of the Board's Risk Committee and as a member of the Board's Governance Committee and Business, Operations & Technology Committee.

-- Timothy E. Barnes, President & CEO, Hometown Bank and Hometown Bancshares, Inc., Corbin, Kentucky.

In addition, after reviewing the results of the 2025 Director Election, the Board declared the following individual elected as an Independent Director:

-- Danny J. Herron, President & CEO, Habitat for Humanity of Greater Nashville, Tennessee. An incumbent director, Mr. Herron current serves as Chair of the Governance Committee and as a member of the Housing & Community Development Committee.

The 2025 Director Election took place in accordance with the rules governing the election of Federal Home Loan Bank directors specified in the Federal Home Loan Bank Act and the related Federal Housing Finance Agency regulations.

For information on Director compensation, see "Item 11-Executive Compensation" of the FHLB's 2024 Annual Report. For information on Director independence and transactions with related persons, see "Item 13-Certain Relationships and Related Transactions, and Director Independence" of the FHLB's 2024 Annual Report.

Board committee assignments for 2026 will be determined in the normal course.

**Item 5.07 Submission of Matters to a Vote of Security Holders.** 

The Board declared the 2025 Director Election voting results final on November 20, 2025, as described in Item 5.02 of this Current Report. In an announcement sent to the FHLB's Members on November 21, 2025, the FHLB reported complete voting results, which is attached as Exhibit 99.1 to this Current Report, and incorporated herein by reference.

**Item 9.01 Financial Statements and Exhibits.** 

<u>[99.1 -- Announcement of Director Election Results,](ex991directorelectionnewsl.htm)</u> dated November 21, 2025

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**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | |
|:---|:---|:---|
| | Federal Home Loan Bank of Cincinnati | Federal Home Loan Bank of Cincinnati |
| *November 21, 2025* | *By:* | */s/ Bridget C. Hoffman* |
|  |  | *Name: Bridget C. Hoffman* |
|  |  | *Title: Senior Vice President, General Counsel* |

---

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**Exhibit Index** 

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| <u>[99.1](ex991directorelectionnewsl.htm)</u> | <u>[Announcement of Director Election Results, dated November 21, 2025](ex991directorelectionnewsl.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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## Exhibit 99.1

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| | |
|:---|:---|
| ![fhlblogorgba04a.jpg](fhlblogorgba04a.jpg) | ![fhlbaddressa06a.jpg](fhlbaddressa06a.jpg) |
| | **NewsLine** |
| | November 21, 2025 |
| TO ALL MEMBERS: | |

---

**2025 BOARD OF DIRECTORS ELECTION RESULTS:**

**THREE DIRECTORS ELECTED TO FOUR-YEAR TERMS;**

**MIKE PELL ELECTED BOARD CHAIR;** 

**LEWIS DIAZ ELECTED BOARD VICE CHAIR**

We are pleased to announce the results of the 2025 FHLB Cincinnati Board of Directors (Board) election. In this election, two Kentucky Member Directors and one at-large Independent Director were elected to the Board. From Kentucky, **J. Wade Berry** was re-elected and **Timothy E. Barnes** was newly elected. **Danny J. Herron,** Nashville, Tennessee was re-elected to serve as a Public Interest Independent Director. All three directors were elected to a four-year term commencing January 1, 2026, and expiring December 31, 2029.

**KENTUCKY MEMBER DIRECTOR ELECTION RESULTS**

In the Kentucky Member Director election, seven candidates ran for two open seats. The candidates receiving the highest number of votes were elected to the Board. The election results are provided below.

Number of eligible Kentucky voting members: 157

Total eligible voting shares to be cast per candidate: 985,963

**J. Wade Berry (Elected)**

President & CEO, Farmers Bank & Trust Company, Marion

Total voting shares received: 628,207

**Timothy E. Barnes (Elected)**

President & CEO, Hometown Bank and Hometown Bancshares, Inc., Corbin

Total voting shares received: 472,899

**Thomas C. Stinnett**

Chief Financial Officer, Stock Yards Bank & Trust, Louisville

Total votes received: 227,067

**William J. Jones**

Director, Independence Bank, Owensboro

Total votes received: 121,321

**J. Jason Hawkins**

President & CEO, First United Bank & Trust Co., Madisonville

Total votes received: 57,845

BUILDING STRONGER COMMUNITIES

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Director Election

November 21, 2025

**Ryan J. Ross**

President & CEO, Kentucky Federal Credit Union, Lexington

Total votes received: 47,539

**J. Michael Radcliffe**

Chairman & CEO, Community Financial Services Bank, Benton

Total votes received: 43,404

**INDEPENDENT DIRECTOR ELECTION RESULTS** 

In the at-large election of the Public Interest Independent Director (PID), the Board nominated incumbent Danny J. Herron to run for the open seat. Mr. Herron meets the PID requirements of more than four years of experience representing consumer or community interests in banking services, credit needs, housing or consumer financial protection. Mr. Herron exceeded the 20 percent minimum regulatory requirement of voting shares eligible to be cast and is thereby elected to the Board.

Number of eligible voting members: 605

Total eligible voting shares to be cast per candidate: 9,553,670

**Danny J. Herron (elected)**

President & CEO, Habitat for Humanity of Greater Nashville, Tennessee

Total voting shares received: 3,140,133

Percent of voting shares cast: 32.9

The Board ratified election results and elected **Michael P. Pell**, President & CEO, First State Bank, Winchester, Ohio, to serve as Chair of the Board, and **Lewis Diaz**, Public Interest Independent Director, and Partner, Dinsmore & Shohl, LLP, Covington, Kentucky, to serve as Vice Chair of the Board. Mr. Pell will serve a one-year term, commencing January 1, 2026, to fill a one-year vacancy due to the reduction of Chair Nancy E. Uridil's Board seat, effective December 31, 2025. Mr. Diaz will serve a two-year term commencing January 1, 2026.

In compliance with Federal Housing Finance Agency (FHFA) Order No. 2025-OR-B-9 mandating a board reduction of two Ohio Member Directors and one Independent Director with certain designated terms, the following directors will end their service on the Board at the close of business December 31, 2025:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ohio Member Directors Kathleen A. Rogers, whose current term expires 12/31/25.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ohio Member Director Robert T. Lameier, whose current term expires 12/31/27.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Independent Director Nancy E. Uridil, whose current term expires 12/31/26.

The Board expresses its deep appreciation for the service and exemplary performance of each of these Directors during their tenures.

On behalf of the Board and staff, I would like to thank our members for participating in the director election, congratulate our newly elected and returning Directors, and thank our departing directors for their years of dedicated service to FHLB Cincinnati and the FHLBank System.

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| |
|:---|
| Andrew S. Howell |
| President and CEO |

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