Industry Rate Environment

About this dataset

Industry Rate Environment is a Public dataset in the Industry & Macro group of the BankRegReports Data API. The response carries 6 documented fields, sourced from FFIEC Call Report (Schedule RI).

Industry-wide yield curve metrics for the latest filed quarter.

Endpoint

GET /api/v1/industry/rate-environment/

Response fields

Field	Type	Description
report_date	string (date), nullable	Report Date (date)
yield_on_earning_assets	number (double), nullable	Yield on Earning Assets (percent)
cost_of_funds	number (double), nullable	Cost of Funds (percent)
cost_of_int_bearing_deposits	number (double), nullable
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.
nim_qoq_change_bp	number (double), nullable

Example request

curl "https://api.bankregreports.com/api/v1/industry/rate-environment/" \
  -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)",
      "yield_on_earning_assets": "number (double)",
      "cost_of_funds": "number (double)",
      "cost_of_int_bearing_deposits": "number (double)",
      "net_interest_margin": "number (double)",
      "nim_qoq_change_bp": "number (double)"
    }
  ],
  "meta": { ... }
}

When to use it

Industry Rate Environment 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 rate_environment 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

• Industry Snapshot: Industry-wide aggregate snapshot.
• Industry Trends: Industry-wide metric trends over time.
• Peer Groups: Standard peer-group definitions and rollups.
• Credit Union Industry Ratios: National credit union ratios by charter type (FICU, FCU, FISCU), quarterly from June 2023.

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.rate_environment()