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Industry Trends

Public

Industry-wide metric trends over time.

About this dataset

Industry Trends is a Public dataset in the Industry & Macro group of the BankRegReports Data API. The response carries 22 documented fields.

Up to 100 most recent quarters of industry-wide aggregates. Returns oldest first, chart-friendly order. Use the `quarters` query param to control the window (default 20, max 100).

Endpoint

GET /api/v1/industry/trends/

Parameters

Name Required Description
quarters optional Number of recent quarters (default 20). e.g. 20

Response fields

Field Type Description
report_date string (date), nullable Report Date (date)
bank_count integer, nullable Filing Institutions (count)
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.
roa number (double), nullable Return on Assets (percent). Net income as a percentage of average assets. The single most-cited profitability metric. 1.0%+ is strong for national banks; community banks often run 0.8–1.2%.
roe number (double), nullable Return on Equity (percent)
net_interest_margin number (double), nullable Net Interest Margin (percent). Net interest income as a percentage of average earning assets. The spread the bank earns between yield-on-assets and cost-of-funds.
cost_of_funds number (double), nullable Cost of Funds (percent)
efficiency_ratio number (double), nullable Efficiency Ratio (percent). Non-interest expense divided by (net interest income + 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)
asset_growth_qoq_ann number (double), nullable
loan_growth_qoq_ann number (double), nullable
deposit_growth_qoq_ann number (double), nullable

Example request

curl "https://api.bankregreports.com/api/v1/industry/trends/" \
  -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": [
    {
      "report_date": "string (date)",
      "bank_count": "integer",
      "total_assets": "number (double)",
      "total_deposits": "number (double)",
      "total_loans": "number (double)",
      "total_equity": "number (double)",
      "cet1_ratio": "number (double)",
      "tier1_ratio": "number (double)"
      ... 14 more fields
    }
  ],
  "meta": { ... }
}

When to use it

Industry Trends sits in the Industry & Macro 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 industry_trends 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.

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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

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

import bankregreports

brr = bankregreports.BankReg()  # reads BANKREG_API_TOKEN
result = brr.dataset("industry_trends")
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