FEDERAL HOME LOAN BANK OF NEW YORK DECLARES A 7.60% DIVIDEND FOR THE FOURTH QUARTER OF 2025 (Form 8-K)

FEDERAL HOME LOAN BANK OF NEW YORK

DECLARES A 7.60% DIVIDEND FOR THE FOURTH QUARTER OF 2025

I am pleased to announce that, on February 19, 2026, our Board of Directors approved a dividend for the fourth quarter of 2025 of 7.60% (annualized). The dividend proceeds will be distributed to FHLBNY member financial institutions on February 20, 2026.

Throughout 2025, the FHLBNY provided our members with reliable access to funding, supporting lending activity throughout our region and promoting broad financial stability. Our ability to execute on our foundational liquidity mission amplifies the impact we make through our housing and community development programs, with record grant contributions across the year.

When determining the quarterly dividend, the FHLBNY considers a range of factors, including current and projected performance, strategic initiatives, retained earnings levels, the interest rate environment and operating conditions. It is the intent of the FHLBNY to provide a reasonable return on our members' investment in our cooperative.

We will publish our 2025 audited financial results in our Form 10-K filing with the Securities and Exchange Commission, which is expected to be filed on or about March 20, 2026.

Sincerely,

Randolph C. Snook

President and CEO

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