Federal Home Loan Bank Of Atlanta Announces Third Quarter 2026 Operating Highlights And Declares Dividend

(MENAFN- GlobeNewsWire - Nasdaq) ATLANTA, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Federal Home Loan Bank of Atlanta (the Bank) today released preliminary unaudited financial highlights for the quarter ended September 30, 2026. All numbers reported below for the third quarter of 2026 are approximate until the Bank announces unaudited financial results in its Form 10-Q, which is expected to be filed with the Securities and Exchange Commission (SEC) on or about November 5, 2026.

Operating Results for the Third Quarter of 2026

• Net interest income for the third quarter of 2026 was $183 million, a decrease of $29 million, compared to net interest income of $212 million for the same period in 2025. The decrease in net interest income was primarily due to a decrease in interest rates, which impacted interest-earning assets more than interest-bearing liabilities, and a decrease in average advance balances, partially offset by an increase in average investment balances.
  
• Net income for the third quarter of 2026 was $126 million, a decrease of $29 million, compared to net income of $155 million for the same period in 2025. The decrease in net income was primarily due to the decrease in net interest income.
  
• During the third quarter of 2026, the Bank continued to meet members' liquidity needs. Average advance balances were $95.2 billion, a decrease of $7.6 billion, compared to average advance balances of $102.8 billion for the same period in 2025.
  
• The net yield on the Bank's interest-earning assets for the third quarter of 2026 was 47 basis points, compared to 53 basis points for the same period in 2025. Many of the Bank's assets and liabilities are indexed to the Secured Overnight Financing Rate (SOFR). The average daily SOFR during the third quarter of 2026 was 3.67 percent compared to 4.33 percent for the same period in 2025.
  
• The Bank's third quarter 2026 performance resulted in an annualized return on average equity (ROE) of 5.71 percent as compared to 6.95 percent for the same period in 2025. The decrease in ROE was primarily due to the decrease in net income for the third quarter of 2026, compared to the same period in 2025.
  

Financial Condition Highlights

• Total assets were $166.7 billion as of September 30, 2026, an increase of $20.5 billion from December 31, 2025.
  
• Advances outstanding were $105.2 billion as of September 30, 2026, an increase of $10.2 billion from December 31, 2025.
  
• Investment balances totaled $60.3 billion as of September 30, 2026, an increase of $10.3 billion from December 31, 2025. The increase in investments was primarily due to the Bank holding more liquidity investments as of September 30, 2026.
  
• Total capital was $9.3 billion as of September 30, 2026, an increase of $645 million from December 31, 2025. Retained earnings were $3.1 billion as of September 30, 2026, an increase of $106 million compared to December 31, 2025.
  
• As of September 30, 2026, the Bank was in compliance with all applicable regulatory capital and liquidity requirements.
  

Reliable Source of Liquidity

• During the first nine months of 2026, the Bank originated a total of $357.8 billion of advances, thereby providing significant liquidity to its members to support lending and other activities in their communities. The Bank is proud to continue to execute on its mission to be a reliable source of liquidity and funding for its members, while remaining adequately capitalized.
  

Commitment to Affordable Housing Program (AHP) and Community Development

• The Bank commits 10 percent of its income before assessments to support the affordable housing and community development needs of communities served by its members, as required by law, which amounted to $67 million available for funding in 2026. As of September 30, 2026, the Bank has accrued $44 million to its statutory AHP pool of funds that will be available to the Bank's members in 2027 for funding of eligible projects.
  
• The Bank has also committed to voluntarily contribute, at a minimum, an additional five percent of its prior year's annual income subject to assessment and prior year's voluntary contributions to support affordable housing and community development needs through its members. For 2026, the Bank authorized $45 million in voluntary contributions consisting of $14 million in voluntary AHP contributions and $31 million in voluntary non-AHP contributions. These amounts were expensed during the nine months ended September 30, 2026.
  
• Since the inception of its AHP in 1990, the Bank has awarded more than $1.3 billion in AHP funds, assisting more than 189,000 households.
  

Dividends

• On October 22, 2026, the board of directors of the Bank approved a quarterly cash dividend at an annualized rate of 6.20 percent.
  
• “Throughout the third quarter, FHLBank Atlanta remained well positioned to meet member liquidity needs while advancing our housing and community investment mission,” said FHLBank Atlanta Chair of the Board, Thornwell Dunlap.“Our solid financial results support a competitive dividend and reflect our continued focus on delivering value to our members.”
  
• The dividend payout will be calculated based on members' capital stock held during the third quarter of 2026 and will be credited to members' daily investment accounts at the close of business on October 27, 2026.
  

Federal Home Loan Bank of Atlanta Financial Highlights (Preliminary and unaudited) (Dollars in millions)
Statements of Condition	As of September 30, 2026		As of December 31, 2025
	Advances	$	105,208			$	94,978
	Investments		60,340				50,049
	Mortgage loans held for portfolio, net		69				77
	Total assets		166,744				146,236
	Total consolidated obligations, net		153,726				133,641
	Total capital stock		6,146				5,607
	Retained earnings		3,100				2,994
	Accumulated other comprehensive income		20				20
	Total capital		9,266				8,621
	Capital-to-assets ratio (GAAP)		5.56	%			5.90	%
	Capital-to-assets ratio (Regulatory)		5.55	%			5.88	%

		Three Months Ended September 30,		Nine Months Ended September 30,
Operating Results and Performance Ratios		2026				2025				2026				2025
	Net interest income	$	183			$	212			$	591			$	631
	Standby letters of credit fees		8				6				24				15
	Other income		1				3				5				4
	Other noninterest expense		43				43				131				125
	Voluntary housing and community investment		9				6				50				37
	Affordable Housing Program assessment		14				17				44				49
	Net income		126				155				395				439
	Return on average assets		0.32	%			0.38	%			0.32	%			0.37	%
	Return on average equity		5.71	%			6.95	%			5.80	%			6.73	%

The selected financial data above should be read in conjunction with the financial statements and notes and the“Management's Discussion and Analysis of Financial Condition and Results of Operations” included in the Bank's Form 10-Q for the third quarter of 2026, which is expected to be filed with the SEC on or about November 5, 2026, and will be available at and on

About Federal Home Loan Bank of Atlanta

FHLBank Atlanta offers competitively priced financing, community development grants, and other banking services to help member financial institutions make affordable home mortgages and provide economic development credit to neighborhoods and communities. The Bank is a cooperative whose members are commercial banks, credit unions, savings institutions, community development financial institutions, and insurance companies located in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia. FHLBank Atlanta is one of 11 district banks in the Federal Home Loan Bank System (FHLBank System).

For more information, visit our website at

To the extent that the statements made in this announcement may be deemed as“forward-looking statements”, they are made within the meaning of the“safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, which include statements with respect to the Bank's beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates, intentions, and future performance, and involve known and unknown risks, uncertainties, and other factors, many of which may be beyond the Bank's control, and which may cause the Bank's actual results, performance, or achievements to be materially different from the future results, performance, or achievements expressed or implied by such forward-looking statements, and the reader is cautioned not to place undue reliance on them, since those may not be realized due to a variety of factors, including, without limitation: legislative and regulatory actions, changes, approvals or requirements; completion of the Bank's financial closing procedures and final accounting adjustments for the most recently completed quarter; SOFR variations; changes to economic, liquidity and market conditions; changes in demand for advances, advance levels, consolidated obligations of the Bank and/or the FHLBank System and their market; changes in interest rates; changes in prepayment speeds, default rates, delinquencies, and losses on mortgage-backed securities; volatility of market prices, rates and indices that could affect the value of financial instruments; changes in credit ratings and/or the terms of derivative transactions; changes in product offerings; political, national, climate, and world events; disruptions in information systems; membership changes; mergers and acquisitions involving members; changes to the Bank's voluntary housing program and other adverse developments or events, including extraordinary or disruptive events, affecting the market, involving other Federal Home Loan Banks, their members or the FHLBank System in general, including acts of war and terrorism. Additional factors that might cause the Bank's results to differ from forward-looking statements are provided in detail in our filings with the Securities and Exchange Commission, which are available at

The forward-looking statements in this release speak only as of the date that they are made, and the Bank has no obligation and does not undertake to publicly update, revise, or correct any of these statements after the date of this announcement, or after the respective dates on which such statements otherwise are made, whether as a result of new information, future events, or otherwise, except as may be required by law. New factors may emerge, and it is not possible for the Bank to predict the nature of each new factor, or assess its potential impact, on the Bank's business and financial condition. Given these uncertainties, the reader is cautioned not to place undue reliance on forward-looking statements.

CONTACT: Suzanne Vincent
Federal Home Loan Bank of Atlanta
...
678.849.1401

A photo accompanying this announcement is available at

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