Federal Reserve District Map — Which States Are Served by Which District
The Federal Reserve System divides the United States into 12 districts. Each district is served by a Federal Reserve Bank headquarters and, in most cases, one or more branch offices. The table below shows which states, territories, and partial-state areas fall under each district. Note that some states are split between two districts.
| District | Headquarters | States & Territories Served | Branch Offices |
|---|---|---|---|
| 1 | Boston | Connecticut (excl. Fairfield County), Maine, Massachusetts, New Hampshire, Rhode Island, Vermont | — |
| 2 | New York | New York, northern New Jersey, Fairfield County (CT), Puerto Rico, U.S. Virgin Islands | Buffalo |
| 3 | Philadelphia | Eastern Pennsylvania, southern New Jersey, Delaware | — |
| 4 | Cleveland | Ohio, western Pennsylvania, northern panhandle of West Virginia, eastern Kentucky | Cincinnati, Pittsburgh |
| 5 | Richmond | Maryland, Virginia, North Carolina, South Carolina, District of Columbia, most of West Virginia | Baltimore, Charlotte |
| 6 | Atlanta | Alabama, Florida, Georgia, portions of Louisiana, Mississippi, Tennessee | Birmingham, Jacksonville, Miami, Nashville, New Orleans |
| 7 | Chicago | Iowa, most of Illinois, Indiana, Michigan, Wisconsin | Detroit |
| 8 | St. Louis | Arkansas, portions of Illinois, Indiana, Kentucky, Mississippi, Missouri, Tennessee | Little Rock, Louisville, Memphis |
| 9 | Minneapolis | Minnesota, Montana, North Dakota, South Dakota, portions of Michigan, Wisconsin | Helena |
| 10 | Kansas City | Colorado, Kansas, Nebraska, Oklahoma, Wyoming, northern New Mexico, western Missouri | Denver, Oklahoma City, Omaha |
| 11 | Dallas | Texas, northern Louisiana, southern New Mexico | El Paso, Houston, San Antonio |
| 12 | San Francisco | Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, Washington, American Samoa, Guam, N. Mariana Islands | Los Angeles, Portland, Salt Lake City, Seattle |
Note: Several states are split between two districts. For example, parts of Connecticut, New Jersey, Pennsylvania, West Virginia, Kentucky, Louisiana, Mississippi, Tennessee, Illinois, Indiana, Michigan, Wisconsin, Missouri, and New Mexico are served by more than one Federal Reserve Bank. The boundaries follow county lines, not state borders. For a complete lookup, contact your nearest Federal Reserve Bank or visit federalreserve.gov.
Federal Reserve Board of Governors
The central governing body of the Federal Reserve System, located in Washington, DC.
Board of Governors of the Federal Reserve System — Headquarters
The Board of Governors is the central body of the Federal Reserve System. It guides the operation of the Federal Reserve System to promote the goals set by Congress: maximum employment, stable prices, and moderate long-term interest rates. The Board oversees the 12 Federal Reserve Banks, sets reserve requirements, approves discount rates, and regulates bank holding companies and state-chartered member banks.
District 1 Federal Reserve Bank of Boston
Serving New England: Connecticut (excluding Fairfield County), Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
Federal Reserve Bank of Boston — Headquarters
The Federal Reserve Bank of Boston serves the First Federal Reserve District, which covers the six New England states (with the exception of Fairfield County in Connecticut, which is served by the New York Fed). The Boston Fed conducts economic research, supervises certain financial institutions, and provides financial services to depository institutions and the U.S. government. It is widely known for its New England Economic Indicators reports and its research on labor economics, regional economic development, and payment systems innovation.
District 2 Federal Reserve Bank of New York
Serving New York State, northern New Jersey, Fairfield County (CT), Puerto Rico, and the U.S. Virgin Islands.
Federal Reserve Bank of New York — Headquarters
The Federal Reserve Bank of New York is the largest of the 12 Reserve Banks by assets. It implements monetary policy on behalf of the Federal Open Market Committee (FOMC), supervises and regulates financial institutions in the Second District, and helps maintain the nation's payment systems. The New York Fed also holds gold on behalf of foreign governments, central banks, and international organizations. It plays a unique role in the Federal Reserve System due to its location in the nation's financial capital and its responsibility for conducting open market operations.
Branch Offices
District 3 Federal Reserve Bank of Philadelphia
Serving eastern Pennsylvania, southern New Jersey, and Delaware.
Federal Reserve Bank of Philadelphia — Headquarters
The Federal Reserve Bank of Philadelphia serves the Third Federal Reserve District, which encompasses eastern Pennsylvania, southern New Jersey, and all of Delaware. The Philadelphia Fed is well known for its Manufacturing Business Outlook Survey (formerly the Business Outlook Survey), its consumer finance research, and its payment cards research center. It also hosts the Economic Research Library and publishes the Survey of Professional Forecasters, the oldest quarterly survey of macroeconomic forecasts in the United States.
District 4 Federal Reserve Bank of Cleveland
Serving Ohio, western Pennsylvania, the northern panhandle of West Virginia, and eastern Kentucky.
Federal Reserve Bank of Cleveland — Headquarters
The Federal Reserve Bank of Cleveland serves the Fourth Federal Reserve District, which comprises Ohio, western Pennsylvania, the northern panhandle of West Virginia, and eastern Kentucky. The Cleveland Fed is well known for its research on inflation expectations (including the Cleveland Fed Median CPI and Inflation Nowcasting model), banking policy, payments innovation, and regional economic conditions. It also publishes the annual Community Development report and maintains a strong focus on financial stability research.
Branch Offices
District 5 Federal Reserve Bank of Richmond
Serving Maryland, Virginia, North Carolina, South Carolina, the District of Columbia, and most of West Virginia.
Federal Reserve Bank of Richmond — Headquarters
The Federal Reserve Bank of Richmond serves the Fifth Federal Reserve District, one of the geographically largest districts. It covers Maryland, Virginia, North Carolina, South Carolina, the District of Columbia, and most of West Virginia. The Richmond Fed is known for its research on labor markets, community development, and regional economics. It publishes the Fifth District Survey of Manufacturing Activity and the CFO Survey (in partnership with Duke University), and operates a major currency processing facility in Baltimore.
Branch Offices
District 6 Federal Reserve Bank of Atlanta
Serving Alabama, Florida, Georgia, and portions of Louisiana, Mississippi, and Tennessee.
Federal Reserve Bank of Atlanta — Headquarters
The Federal Reserve Bank of Atlanta serves the Sixth Federal Reserve District, which covers Alabama, Florida, and Georgia, as well as parts of Louisiana, Mississippi, and Tennessee. The Atlanta Fed is widely recognized for its GDPNow forecasting model (a real-time estimate of U.S. GDP growth), its Center for Financial Innovation and Stability, its Wage Growth Tracker, and its extensive research on workforce development, housing finance, and community and economic development across the Southeast.
Branch Offices
District 7 Federal Reserve Bank of Chicago
Serving Iowa, and most of Illinois, Indiana, Michigan, and Wisconsin.
Federal Reserve Bank of Chicago — Headquarters
The Federal Reserve Bank of Chicago serves the Seventh Federal Reserve District, which includes Iowa and most of Illinois, Indiana, Michigan, and Wisconsin. The Chicago Fed is home to the annual Chicago Fed Letter, the Chicago Fed National Activity Index (CFNAI), and the Chicago Fed Survey of Business Conditions. It conducts extensive research on agriculture, manufacturing, automotive economics, and community and economic development in the Midwest. The bank also operates the Money Museum, a public educational facility.
Branch Offices
District 8 Federal Reserve Bank of St. Louis
Serving Arkansas, and portions of Illinois, Indiana, Kentucky, Mississippi, Missouri, and Tennessee.
Federal Reserve Bank of St. Louis — Headquarters
The Federal Reserve Bank of St. Louis serves the Eighth Federal Reserve District, which covers all of Arkansas and portions of Illinois, Indiana, Kentucky, Mississippi, Missouri, and Tennessee. The St. Louis Fed is home to FRED (Federal Reserve Economic Data), one of the most widely used economic databases in the world, providing free access to over 800,000 economic data series from dozens of national and international sources. It also maintains FRASER (Federal Reserve Archival System for Economic Research), a digital library of economic history, and GeoFRED, a tool for mapping economic data geographically.
Branch Offices
District 9 Federal Reserve Bank of Minneapolis
Serving Minnesota, Montana, North Dakota, South Dakota, and portions of Michigan and Wisconsin.
Federal Reserve Bank of Minneapolis — Headquarters
The Federal Reserve Bank of Minneapolis serves the Ninth Federal Reserve District, which covers Minnesota, Montana, North Dakota, South Dakota, 26 counties in northwestern Wisconsin, and the Upper Peninsula of Michigan. The Minneapolis Fed is known for its research on monetary policy, its Center for Indian Country Development (promoting economic opportunity in Native communities), and its Opportunity and Inclusive Growth Institute. It also conducts significant research on banking regulation, too-big-to-fail policies, and publishes the Beige Book contributions for the Ninth District.
Branch Offices
District 10 Federal Reserve Bank of Kansas City
Serving Colorado, Kansas, Nebraska, Oklahoma, Wyoming, northern New Mexico, and western Missouri.
Federal Reserve Bank of Kansas City — Headquarters
The Federal Reserve Bank of Kansas City serves the Tenth Federal Reserve District, which encompasses Colorado, Kansas, Nebraska, Oklahoma, Wyoming, northern New Mexico, and western Missouri. The Kansas City Fed is best known for hosting the annual Jackson Hole Economic Symposium in Jackson Hole, Wyoming, one of the longest-standing central banking conferences in the world, attracting global central bankers, finance ministers, and economists. The bank also conducts extensive research on agriculture, energy, community banking, and publishes the Tenth District Manufacturing Survey and the Agricultural Credit Conditions Survey.
Branch Offices
District 11 Federal Reserve Bank of Dallas
Serving Texas, northern Louisiana, and southern New Mexico.
Federal Reserve Bank of Dallas — Headquarters
The Federal Reserve Bank of Dallas serves the Eleventh Federal Reserve District, covering Texas, northern Louisiana, and southern New Mexico. The Dallas Fed is recognized for its extensive research on energy markets, immigration economics, globalization, and the Texas and broader regional economy. It publishes the Texas Manufacturing Outlook Survey, the Texas Service Sector Outlook Survey, and the Trimmed Mean PCE Inflation Rate, which is closely watched by policymakers as an alternative measure of underlying inflation trends.
Branch Offices
District 12 Federal Reserve Bank of San Francisco
Serving Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, Washington, American Samoa, Guam, and the Northern Mariana Islands.
Federal Reserve Bank of San Francisco — Headquarters
The Federal Reserve Bank of San Francisco serves the Twelfth Federal Reserve District, the largest by geography. It covers nine western states, plus Alaska, Hawaii, American Samoa, Guam, and the Commonwealth of the Northern Mariana Islands. The San Francisco Fed is known for its research on technology and innovation in financial services, Asia-Pacific economic relations, community development finance, and fintech. Its district encompasses roughly 20 percent of the U.S. population and is the most economically diverse district, including major technology hubs, agricultural regions, and natural resource economies. The bank also operates FedNow Service infrastructure and publishes the FRBSF Economic Letter.
Branch Offices
Understanding the Federal Reserve System
What Is the Federal Reserve?
The Federal Reserve System, often referred to simply as "the Fed," is the central banking system of the United States. It was established on December 23, 1913, with the enactment of the Federal Reserve Act, following a series of financial panics that highlighted the need for a central authority to ensure a more stable monetary and banking system. Today, the Fed plays a vital role in the U.S. economy and the global financial system, carrying out functions that affect the economic well-being of every American. Its core mission, as mandated by Congress, is to promote maximum employment, maintain stable prices, and ensure moderate long-term interest rates—a mandate commonly referred to as the "dual mandate."
How the 12-District System Works
The Federal Reserve System is not a single bank but a decentralized network of 12 regional Federal Reserve Banks spread across the country, each serving a designated geographic district. This structure was intentionally designed to ensure that monetary policy and banking supervision reflect the diverse economic conditions of different regions across the nation, rather than being concentrated in a single city. Each Reserve Bank operates within its district under the general oversight of the Board of Governors in Washington, DC. The districts were drawn based on the economic landscape of the early 20th century, which is why some districts cover vast geographic areas while others serve more densely populated regions. Each Reserve Bank has its own board of directors, president, and staff, and they function as the operational arms of the central bank while maintaining a degree of regional independence.
The Role of Each District Bank
Each of the 12 Federal Reserve District Banks serves as the central bank for its region. They perform a wide range of critical functions that keep the financial system running smoothly. District banks supervise and regulate state-chartered member banks and bank holding companies within their jurisdictions, ensuring these institutions operate safely and soundly. They provide essential financial services to depository institutions, including check clearing, electronic funds transfers, and the distribution of currency and coin. Additionally, each Reserve Bank conducts economic research tailored to its district, providing valuable data and analysis on regional economic conditions. The presidents of the Reserve Banks participate in the Federal Open Market Committee (FOMC), the body that sets national monetary policy, ensuring that regional perspectives are represented in decisions about interest rates and other monetary tools.
Key Functions of the Federal Reserve
The Federal Reserve carries out several essential functions that underpin the stability and efficiency of the United States economy:
- Monetary Policy: The Fed influences the availability and cost of money and credit to promote the goals of maximum employment and price stability. The FOMC meets eight times per year to set the target range for the federal funds rate, which influences other interest rates throughout the economy, affecting decisions by consumers and businesses about borrowing, spending, and investing.
- Banking Supervision and Regulation: The Fed supervises and regulates banks and other financial institutions to ensure the safety and soundness of the banking system and to protect the credit rights of consumers. It conducts examinations, enforces compliance with banking laws, and monitors risks that could threaten financial stability.
- Financial Services: The Federal Reserve provides key financial services to the U.S. government, financial institutions, and foreign official institutions. It operates the nation's payments system, processes trillions of dollars in transactions daily, distributes currency and coin, and serves as the fiscal agent for the U.S. Treasury.
- Financial Stability: The Fed monitors and addresses risks to the overall stability of the financial system. Through stress testing, macroprudential policy, and coordination with other domestic and international regulatory bodies, it works to prevent and mitigate systemic risks that could lead to financial crises.
- Community Development: Each Reserve Bank has a community development function that promotes economic growth and financial stability in lower-income communities. This work includes research, data analysis, partnerships with local organizations, and fostering investment in underserved areas.
Together, these functions make the Federal Reserve one of the most important institutions in the global economy. Whether you are a consumer, business owner, investor, or policymaker, the decisions and operations of the Fed have a direct and meaningful impact on your financial life. For the most comprehensive and up-to-date information, visit the official Federal Reserve website at federalreserve.gov.