# EDGAR Filing Document

**Accession Number:** 0001329842
**File Stem:** 0001654954-26-003855
**Filing Date:** 2026-4
**Character Count:** 11338
**Document Hash:** e54483918a23b304185d394f3d93d052
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001654954-26-003855.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001654954-26-003855

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20260423

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Federal Home Loan Bank of New York
- **CENTRAL INDEX KEY:** 0001329842
- **STANDARD INDUSTRIAL CLASSIFICATION:** FEDERAL & FEDERALLY-SPONSORED CREDIT AGENCIES [6111]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 136400946
- **STATE OF INCORPORATION:** X1
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-51397
- **FILM NUMBER:** 26887230

**BUSINESS ADDRESS:**
- **STREET 1:** 101 PARK AVENUE, 6TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10178
- **BUSINESS PHONE:** 212-681-6000

**MAIL ADDRESS:**
- **STREET 1:** 101 PARK AVENUE, 6TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10178

?xml version='1.0' encoding='ASCII'? fhlbny_8k.htm

**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): <u>April 23, 2026</u>**

---

| |
|:---|
| **Federal Home Loan Bank of New York** |
| **(Exact name of Registrant as Specified in Its Charter)**  |

---

---

| | | |
|:---|:---|:---|
| **Federally Chartered Corporation** | **000-51397** | **13-6400946** |
| **(State or Other Jurisdiction**<br>**of Incorporation)** | **(Commission** <br>**File Number)** | **(IRS Employer**<br>**Identification No.)** |

---

---

| | |
|:---|:---|
| **101 Park Avenue,**<br>**New York, New York** | **10178-0599** |
| **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code: <u>(212) 441-6616</u>**

**<u>Not Applicable</u>**

**(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 (see General Instructions A.2. below):

☐ 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:

---

| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| None | N/A | N/A |

---

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. ☐

**Item 2.02 Results of Operations and Financial Condition.**

**Item 8.01 Other Events.**

On April 23, 2026, the Federal Home Loan Bank of New York ("FHLBNY") issued a Press Release regarding among other information, unaudited financial results for the quarter ended March 31, 2026. A copy of the FHLBNY's Press Release is attached hereto as Exhibit 99.1.

**Item 9.01 Financial Statements and Exhibits.**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit**<br>**Number** | **Description** |
| [99.1](fhlbny_ex991.htm) | [FHLBNY Press Release, dated April 23, 2026, regarding the quarter ended March 31, 2026.](fhlbny_ex991.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

2<br>

**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 thereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | Federal Home Loan Bank of New York | Federal Home Loan Bank of New York |
| Date: April 23, 2026 | By: | /s/ Kevin M. Neylan  |
|  |  | **Name:** Kevin M. Neylan  |
|  |  | **Title:** Senior Vice President and Chief Financial Officer |

---

3<br>

## Exhibit 99.1

**EXHIBIT 99.1**

![](fhlbny_ex991img4.jpg)<br>

FOR IMMEDIATE RELEASE CONTACT: Brian Finnegan <br> April 23, 2026 (212) 441-6877 <br> <u>brian.finnegan@fhlbny.com</u>

**FEDERAL HOME LOAN BANK OF NEW YORK** 

**ANNOUNCES FIRST QUARTER 2026 OPERATING HIGHLIGHTS**

New York, NY – The Federal Home Loan Bank of New York ("FHLBNY") today released its unaudited financial highlights for the quarter ended March 31, 2026.

"Across the first quarter of 2026, Federal Home Loan Bank of New York members continued to rely on the certainty of our funding to help support their local lending activities," said Randolph C. Snook, president and CEO of the FHLBNY. "Our ability to execute on our foundational liquidity mission also positions our cooperative to serve as a trusted community partner, as we allocated more than $22 million from this quarter's earnings to fund our affordable housing and community development programs."

Highlights from the first quarter of 2026 include:

· Net income for the quarter was $153.9 million, a decrease of $1.8 million, or 1.2%, from net income of $155.7 million for the first quarter of 2025. Net interest income increased by $2.5 million compared with the first quarter of 2025, offset by a decrease in Non-interest income of $2.4 million and an increase in Non-interest expense of $2.0 million.

· Return on average equity ("ROE") for the quarter was 7.31% (annualized), compared to ROE of 7.16% for the first quarter of 2025.

· As of March 31, 2026, total assets were $176.7 billion, an increase of $20.2 billion, or 12.9%, from total assets of $156.5 billion at December 31, 2025. As of March 31, 2026, advances (par amount) were $110.5 billion, an increase of $18.0 billion, or 19.5%, from $92.5 billion at December 31, 2025.

· As of March 31, 2026, total capital was $8.9 billion, an increase of $0.85 billion from total capital of $8.0 billion at December 31, 2025. The FHLBNY's retained earnings increased by $0.1 billion to $2.7 billion as of March 31, 2026, of which $1.3 billion was unrestricted and $1.4 billion was restricted. At March 31, 2026, the FHLBNY was in compliance with its regulatory capital ratios and liquidity requirements.

· The FHLBNY allocated $22.3 million from its first quarter 2026 earnings to support affordable housing and community development initiatives. This amount consisted of $17.1 million for the FHLBNY's statutory Affordable Housing Program and $5.2 million in voluntary contributions for the FHLBNY's other community support programs.

The FHLBNY currently expects to file its Form 10-Q for the first quarter of 2026 with the U.S. Securities and Exchange Commission on or about May **7**, 2026.

---

| | | | |
|:---|:---|:---|:---|
| **Selected Balance Sheet Items (dollars in millions)** |  |  |  |
|  | **March 31,** | **December 31,** |  |
|  | **2026** | **2025** | **Change** |
| Advances | $110240 | $92307 | $17933 |
| Mortgage loans held for portfolio | 2689 | 2644 | 45 |
| Mortgage-backed securities | 21621 | 20460 | 1161 |
| Liquidity assets | 38846 | 37885 | 961 |
| Total assets | $176665 | $156545 | $20120 |
| Consolidated obligations | $164999 | $144486 | $20513 |
| Capital stock | 6228 | 5411 | 817 |
| Unrestricted retained earnings | 1306 | 1286 | 20 |
| Restricted retained earnings | 1359 | 1329 | 30 |
| Accumulated other comprehensive income (loss) | (33) | (11) | (22) |
| Total capital | $8860 | $8015 | $845 |
| Capital-to-assets ratio (GAAP) | 5.02% | 5.12% |  |
| Capital-to-assets ratio (Regulatory)  | 5.04% | 5.13% |  |

---

---

| | | | |
|:---|:---|:---|:---|
| **Operating Results (dollars in millions)** |  |  |  |
|  | **Quarter Ended March 31,** | **Quarter Ended March 31,** |  |
|  | **2026** | **2025** | **Change** |
| Total interest income | $1625.0 | $1821.5 | $(196.5) |
| Total interest expense | 1407.5 | 1606.5 | (199.0) |
| Net interest income | 217.5 | 215.0 | 2.5 |
| Provision (Reversal) for credit losses | 0.2 | 0.1 | 0.1 |
| Net interest income after provision for credit losses | 217.3 | 214.9 | 2.4 |
| Non-interest income (loss) | 18.3 | 20.7 | (2.4) |
| Non-interest expense | 64.6 | 62.6 | 2.0 |
| Affordable Housing Program assessments | 17.1 | 17.3 | (0.2) |
| Net income | $153.9 | $155.7 | $(1.8) |
| Return on average equity | 7.31% | 7.16% |  |
| Return on average assets | 0.37% | 0.39% |  |
| Net interest margin | 0.53% | 0.54% |  |

---

**About the Federal Home Loan Bank of New York**

The Federal Home Loan Bank of New York is a Congressionally chartered, wholesale Bank. It is part of the Federal Home Loan Bank System, a national wholesale banking network of 11 regional, stockholder-owned banks. As of March 31, 2026, the FHLBNY serves 337 member institutions in New Jersey, New York, Puerto Rico, and the U.S. Virgin Islands. The FHLBNY's mission is to provide members with reliable liquidity in support of housing and local community development.

\# \# \#

**Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995**

This report may contain forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These statements are based upon our current expectations and speak only as of the date hereof. These statements may use forward-looking terms, such as "projected," "expects," "may," or their negatives or other variations on these terms. The Bank cautions that, by their nature, forward-looking statements involve risk or uncertainty and that actual results could differ materially from those expressed or implied in these forward-looking statements or could affect the extent to which a particular objective, projection, estimate, or prediction is realized. These forward-looking statements involve risks and uncertainties including, but not limited to, the Risk Factors set forth in our Annual Reports on Form 10-K and our Quarterly Reports on Form 10-Q filed with the SEC, as well as regulatory and accounting rule adjustments or requirements, changes in interest rates, changes in projected business volumes, changes in prepayment speeds on mortgage assets, the cost of our funding, changes in our membership profile, the withdrawal of one or more large members, competitive pressures, shifts in demand for our products, and general economic conditions. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to revise or update publicly any forward-looking statements for any reason.