Credit Quality and the Allowance
FreePast due, nonaccrual and charge-offs by loan type, the allowance rollforward and its split by loan segment, and peers, with each ratio's filed lines.
About this dataset
Credit Quality and the Allowance is a Free dataset in the Banks group of the BankRegReports Data API. It is sourced from FFIEC Call Report (BankRegReports).
Problem loans, charge-offs and the allowance from the Call Report. `ratios`: the as-of quarter's eight credit ratios (noncurrent, nonaccrual, 90+ and 30-89 days past due, past due and nonaccrual, net charge-offs to average loans annualized, allowance to loans, allowance to noncurrent loans), each with the filed lines of its numerator and denominator. `history`: up to 20 quarters of the same ratios with the peer median, and the dollar levels for quarters whose filed lines are served (`source` = `filed_lines`; `metrics` quarters carry ratios only). `loan_types`: past due, nonaccrual, charge-offs and recoveries by loan type per quarter (Schedules RC-N, RI-B Part I and RC-C Part I), tied to the filed totals. `rollforward`: the allowance rollforward from Schedule RI-B Part II for loans, held-to-maturity and available-for-sale securities, with the check that each column adds up. `segments`: the allowance by loan segment from Schedule RI-C Part II for banks that file it. `peers`: one row per peer (the bank's similar banks, or the `peers` you pass) with quartiles and the bank's percentile. Every line carries its MDRM code. Ratios are percent (0-100); dollar amounts are thousands.
Endpoint
GET /api/v1/banks/{rssd_id}/credit-quality/ Parameters
| Name | Required | Description |
|---|---|---|
| rssd_id | required | Federal Reserve RSSD id. e.g. 852218 |
| quarters | optional | Quarters of history, 1 to 20. e.g. 12 |
| peers | optional | Comma-separated RSSD ids for a custom peer list. e.g. 480228,451965 |
Example request
curl "https://api.bankregreports.com/api/v1/banks/852218/credit-quality/" \ -H "Authorization: Bearer $BANKREG_API_TOKEN"
Responses are JSON in a {"data": ..., "meta": {...}} envelope. Get a token on the setup page.
When to use it
Credit Quality and the Allowance 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 credit_quality naming it the same way in the REST path, the Python SDK and the OpenAPI document.
Access and authentication
This dataset is in the Free 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.
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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
The Python SDK does not have a method for this dataset yet. Call the REST endpoint above with any HTTP client.