Bank Snapshot

About this dataset

Bank Snapshot is a Public dataset in the Banks group of the BankRegReports Data API. The response carries 36 documented fields, sourced from FFIEC Call Report (Schedule RC/RI/RCR).

Returns the latest filed quarter snapshot for one FDIC-insured bank, keyed by Federal Reserve RSSD ID. Includes balance sheet, capital ratios, asset quality, profitability, and liquidity metrics. roa, roe and net_interest_margin are the single quarter, annualized; roa_ytd, roe_ytd and net_interest_margin_ytd are the same quarter's year-to-date annualized values on the UBPR basis (UBPRE013, UBPRE630, UBPRE018), null when the UBPR has no row for that bank and quarter. meta.period_basis names the basis of each. roa_ytd divides by the year-to-date average of the RC-K quarterly average total assets; FDIC BankFind ROA divides by the average of quarter-end total assets, so the two can differ slightly. net_interest_margin and net_interest_margin_ytd are the UBPR's tax-equivalent margins (UBPRE680 for the quarter, UBPRE018 year to date) over the UBPR's average earning assets; FDIC BankFind divides by quarter-end earning assets and is not tax-equivalent, so it can differ by several tenths of a point after a merger. After a significant merger (assets up 25% or more) the UBPR averages only balances from the merger date on while the income stays year to date, so a year-to-date ratio can differ widely from the ratio of either quarter. meta.denominator_basis says so.

Endpoint

GET /api/v1/banks/{rssd_id}/

Parameters

Name	Required	Description
rssd_id	required	Federal Reserve RSSD id. e.g. 852218

Response fields

Field	Type	Description
rssd_id	integer	RSSD ID (count)
fdic_cert	integer, nullable	FDIC Certificate (count)
legal_name	string	Legal Name (text)
hq_city	string, nullable	Headquarters City (text)
hq_state	string, nullable	Headquarters State (text)
regulator	string, nullable	Primary Regulator (text)
established	string (date), nullable	Established (date)
asset_tier	string, nullable	Asset Tier (text)
report_date	string (date), nullable	Report Date (date)
total_assets	number (double), nullable	Total Assets (USD thousands)
total_deposits	number (double), nullable	Total Deposits (USD thousands)
total_loans	number (double), nullable	Total Loans (USD thousands)
total_equity	number (double), nullable	Total Equity (USD thousands)
cet1_ratio	number (double), nullable	CET1 Capital Ratio (percent). Common Equity Tier 1 capital as a percentage of risk-weighted assets, the strictest measure of bank capital. The prompt corrective action "well capitalized" level is 6.5%; the 4.5% minimum plus the 2.5% conservation buffer is 7.0%, below which dividends and bonuses are limited. FFIEC 031 filers report it as RCFAP793 and FFIEC 041/051 filers as RCOAP793 (standardized approach). A bank under the advanced approaches also reports RCFWP793; the ratio shown is the lower of the two, the binding ratio FDIC publishes. Banks in the community bank leverage ratio framework do not report it.
tier1_ratio	number (double), nullable	Tier 1 Capital Ratio (percent). Tier 1 capital (CET1 + Additional Tier 1 instruments) as a percentage of risk-weighted assets. Should exceed CET1 by 50–150 bp at banks with AT1 instruments outstanding.
total_capital_ratio	number (double), nullable	Total Capital Ratio (percent)
leverage_ratio	number (double), nullable	Tier 1 Leverage Ratio (percent)
npl_ratio	number (double), nullable	Non-Performing Loan Ratio (percent). Noncurrent loans (nonaccrual plus 90+ days past due and still accruing) as a percentage of total loans, the FDIC and UBPR definition; consolidated lines for FFIEC 031 filers. Performing modifications to borrowers in financial difficulty are not counted. Lower is better. The Healthy and Watch bands below are BankRegReports screening bands (2% and 5%), not regulatory triggers; no supervisory NPL threshold exists.
nco_ratio	number (double), nullable	Net Charge-Off Ratio (percent)
texas_ratio	number (double), nullable	Texas Ratio (percent). Problem assets divided by tangible equity plus the allowance for credit losses. Problem assets are nonaccrual loans, loans 90 or more days past due and still accruing, and other real estate owned, net of the U.S. government-guaranteed portions; modified loans are not included. Tangible equity is total equity capital less intangible assets other than mortgage servicing assets. Above 100% has historically signaled elevated failure risk.
npa_ratio	number (double), nullable	Non-Performing Asset Ratio (percent)
acl_to_loans	number (double), nullable	Allowance for credit losses to total loans (percent). Allowance for Credit Losses as a percentage of total loans. Higher coverage indicates a more conservatively reserved book.
roa	number (double), nullable	Return on Assets (percent). Net income, annualized, as a percentage of average total assets. The single most-cited profitability metric. 1.0%+ is strong for national banks; community banks often run 0.8 to 1.2%.
roe	number (double), nullable	Return on Equity (percent)
net_interest_margin	number (double), nullable	Net Interest Margin (percent). Net interest income, annualized, as a percentage of average earning assets: the spread the bank earns between the yield on its assets and its cost of funds. The vendor (fully taxable equivalent) and computed series use different earning-asset bases, so they can differ by 10 to 15 basis points.
roa_ytd	number (double), nullable
roe_ytd	number (double), nullable
net_interest_margin_ytd	number (double), nullable
yield_on_earning_assets	number (double), nullable	Yield on Earning Assets (percent)
cost_of_funds	number (double), nullable	Cost of Funds (percent)
efficiency_ratio	number (double), nullable	Efficiency Ratio (percent). Non-interest expense divided by the sum of net interest income and non-interest income. Lower is better. Below 60% is excellent; above 75% raises operational-leverage concerns.
loan_to_deposit	number (double), nullable	Loan-to-Deposit Ratio (percent)
core_deposit_ratio	number (double), nullable	Core Deposit Ratio (percent)
uninsured_deposit_ratio	number (double), nullable	Uninsured Deposit Ratio (percent). Estimated uninsured deposits, the amounts above the $250,000 FDIC limit, as a percentage of total deposits. A flight-risk indicator that became central after March 2023.
domestic_branches	integer, nullable	Domestic Branches (count)
employees_fte	integer, nullable	Employees (FTE) (count)

Example request

curl "https://api.bankregreports.com/api/v1/banks/852218/" \
  -H "Authorization: Bearer $BANKREG_API_TOKEN"

Responses are JSON in a {"data": ..., "meta": {...}} envelope. Get a token on the setup page.

Example response shape

A successful call returns HTTP 200 with a JSON body. Each row in data carries the fields below, shown with their documented types rather than sample values.

{
  "data": [
    {
      "rssd_id": "integer",
      "fdic_cert": "integer",
      "legal_name": "string",
      "hq_city": "string",
      "hq_state": "string",
      "regulator": "string",
      "established": "string (date)",
      "asset_tier": "string"
      ... 28 more fields
    }
  ],
  "meta": { ... }
}

When to use it

Bank Snapshot sits in the Banks group of the Data API. Reach for it when your work needs this data straight from the API: it comes back as JSON you can load into a notebook, a spreadsheet or a scheduled pipeline, with the dataset key bank naming it the same way in the REST path, the Python SDK and the OpenAPI document.

Access and authentication

This dataset is in the Public tier. Send your API token in the Authorization header as a Bearer token, using a GET request to the endpoint above. The Free plan is the first plan that includes it. Check the plan comparison for request limits, and the data update schedule for when new filings reach the API.

Related datasets

• Bank Directory: Directory of all FDIC-insured banks with identity + headline figures.
• Bank Trends: Quarterly time series of key metrics for one bank.
• HMDA Mortgage-Lending Book: Per-bank Home Mortgage Disclosure Act book - applications, originations, denials, and USD volumes by activity year and state.
• FDIC Bank Demographics: FDIC institution demographics for one bank - CBSA/metro-micro classification, minority-status designation, head-office latitude/longitude, web URL, and office-count rollups, by as-of quarter.

Keep going

Browse every dataset, follow the setup walkthrough to make a first call, use the Excel add-in for formulas, or connect an assistant through the MCP server.

Python SDK

Install with pip install bankregreports and set BANKREG_API_TOKEN to your key.

import bankregreports

brr = bankregreports.BankReg()  # reads BANKREG_API_TOKEN
rssd_id = 852218  # JPMorgan Chase Bank, N.A.
result = brr.bank(rssd_id=rssd_id)