1st Federal Reserve District — Boston
The Federal Reserve Bank of Boston serves the six New England states (excluding Fairfield County, CT), providing banking supervision, monetary policy research, and economic analysis for one of the nation's most innovation-dense regions.
2nd Federal Reserve District — New York
The Federal Reserve Bank of New York is the largest and most influential of the 12 Reserve Banks, executing open market operations, holding the nation's largest gold vault, and serving as the U.S. government's fiscal agent for international operations.
3rd Federal Reserve District — Philadelphia
The Federal Reserve Bank of Philadelphia covers eastern Pennsylvania, southern New Jersey, and Delaware, conducting economic research, community development initiatives, and banking supervision across the Mid-Atlantic corridor.
4th Federal Reserve District — Cleveland
The Federal Reserve Bank of Cleveland, with branches in Cincinnati and Pittsburgh, serves the industrial heartland spanning Ohio, western Pennsylvania, eastern Kentucky, and northern West Virginia.
5th Federal Reserve District — Richmond
The Federal Reserve Bank of Richmond covers the Carolinas, Virginia, Maryland, D.C., and West Virginia, with branches in Baltimore and Charlotte. Its district encompasses the nation's capital and the Southeast's largest banking center.
6th Federal Reserve District — Atlanta
The Federal Reserve Bank of Atlanta, with five branches, covers the southeastern United States from Tennessee to Florida, monitoring one of the nation's fastest-growing economic regions.
7th Federal Reserve District — Chicago
The Federal Reserve Bank of Chicago, with a branch in Detroit, serves the upper Midwest agricultural and industrial heartland, including the nation's commodities trading capital.
8th Federal Reserve District — St. Louis
The Federal Reserve Bank of St. Louis, with branches in Little Rock, Louisville, and Memphis, serves portions of seven states in the central United States and is renowned for its FRED economic database.
9th Federal Reserve District — Minneapolis
The Federal Reserve Bank of Minneapolis, with a branch in Helena, Montana, covers the upper Great Plains and northern tier states — the largest geographic district with among the smallest population.
10th Federal Reserve District — Kansas City
The Federal Reserve Bank of Kansas City, with branches in Denver, Oklahoma City, and Omaha, covers the western Plains states and hosts the renowned Jackson Hole Economic Symposium annually.
11th Federal Reserve District — Dallas
The Federal Reserve Bank of Dallas, with branches in El Paso, Houston, and San Antonio, serves Texas and portions of Louisiana and New Mexico — covering the nation's energy capital and one of its fastest-growing economies.
12th Federal Reserve District — San Francisco
The Federal Reserve Bank of San Francisco is the largest district by geography and population, covering nine western states, Alaska, Hawaii, and U.S. Pacific territories, with branches in Los Angeles, Portland, Salt Lake City, and Seattle.
About the Federal Reserve System
The Federal Reserve System is divided into 12 districts, each served by an independently incorporated Reserve Bank. These districts were established by the Federal Reserve Act of 1913 and cover the entire United States and its territories. Each Reserve Bank operates with its own board of directors, president, and procurement authority.
For federal contractors, the Reserve Banks represent a significant — and often overlooked — source of procurement opportunities. Each bank independently contracts for technology systems, facility construction and maintenance, currency processing equipment, security services, economic research platforms, and professional services. The Federal Reserve System's decentralized structure means 12 separate buying organizations, each with distinct needs shaped by their regional economies.