Net Interest Margin Analysis
FreeThe net interest margin taken apart: each earning asset's balance, yield and contribution, each funding line's balance and cost, what moved the margin by volume and rate, history and peers, with each line's MDRM codes.
About this dataset
Net Interest Margin Analysis is a Free dataset in the Banks group of the BankRegReports Data API. It is sourced from FFIEC Call Report Schedules RI and RC-K (BankRegReports).
The bank's net interest margin taken apart from Call Report Schedules RI (interest) and RC-K (quarterly average balances). `history`: up to 20 quarters of the published margin and yields with the asset-tier quartiles. `detail`: each filed quarter, newest first, with every earning asset's average balance, interest, annualized yield and contribution to the margin, every interest-bearing liability's balance, interest, cost and drag on the margin, the totals, the margin bridge (yield on earning assets less interest expense on earning assets), the spread and the benefit of funds that cost nothing, and checks that the lines tie to the filed totals. `changes`: what moved net interest income and the margin since the prior quarter and since a year earlier (where filed), each line split into volume and rate. `peers`: one row per peer (the bank's similar banks, or the `peers` you pass), measured from its own filed lines for the same quarter, with quartiles and the bank's percentile. Every line carries its MDRM codes. Rates are percent (0-100), annualized as the quarter times four; dollar amounts are thousands.
Endpoint
GET /api/v1/banks/{rssd_id}/margin-analysis/ 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/margin-analysis/" \ -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
Net Interest Margin Analysis 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 margin_analysis 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.
Related datasets
- Bank Directory: Directory of all FDIC-insured banks with identity + headline figures.
- Bank Snapshot: Latest filed-quarter snapshot for one bank: balance sheet, capital, ratios.
- 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.
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.