UBPR Ratios
ProPer-bank Uniform Bank Performance Report (UBPR) ratios - ~30 headline profitability, margin, efficiency, capital, asset-quality, and liquidity ratios per filed quarter (recent quarters only).
About this dataset
UBPR Ratios is a Pro dataset in the Banks group of the BankRegReports Data API. The response carries 31 documented fields, sourced from FFIEC UBPR.
Returns ~30 headline Uniform Bank Performance Report (UBPR) ratios for one bank, one row per filed quarter (recent quarters only), keyed by Federal Reserve RSSD ID. Covers profitability (ROA/ROE), net interest margin, efficiency, capital ratios, asset quality, and liquidity. Pro tier.
Endpoint
GET /api/v1/banks/{rssd_id}/ubpr/ratios/ Parameters
| Name | Required | Description |
|---|---|---|
| rssd_id | required | Federal Reserve RSSD id. e.g. 852218 |
Response fields
| Field | Type | Description |
|---|---|---|
| report_date | string, nullable | Report Date (date) |
| 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_income_to_avg_assets | 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. |
| interest_income_to_avg_assets | number (double), nullable | |
| yield_on_earning_assets | number (double), nullable | Yield on Earning Assets (percent) |
| avg_interest_bearing_funds_to_avg_assets | number (double), nullable | |
| noninterest_income_to_avg_assets | number (double), nullable | |
| noninterest_expense_to_avg_assets | number (double), nullable | |
| provision_to_avg_assets | number (double), nullable | |
| 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. |
| personnel_expense_to_avg_assets | number (double), nullable | |
| retained_earnings_to_avg_equity | number (double), nullable | |
| avg_earning_assets_to_avg_assets | number (double), nullable | |
| tier1_leverage_ratio | number (double), nullable | |
| tier1_risk_based_capital_ratio | number (double), nullable | |
| total_risk_based_capital_ratio | number (double), nullable | |
| acl_to_loans_leases | number (double), nullable | |
| acl_to_net_loss_coverage | number (double), nullable | |
| net_loss_to_avg_loans_leases | number (double), nullable | |
| earnings_coverage_of_net_losses | number (double), nullable | |
| noncurrent_loans_to_acl | number (double), nullable | |
| noncurrent_loans_to_gross_loans | number (double), nullable | |
| net_loans_leases_to_total_assets | number (double), nullable | |
| net_loans_leases_to_deposits | number (double), nullable | |
| yield_on_total_loans_leases | number (double), nullable | |
| yield_on_domestic_loans | number (double), nullable | |
| cash_dividends_to_net_income | number (double), nullable | |
| construction_dev_to_tier1_plus_allowance | number (double), nullable | |
| net_charge_offs_to_avg_loans | number (double), nullable |
Example request
curl "https://api.bankregreports.com/api/v1/banks/852218/ubpr/ratios/" \ -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",
"roa": "number (double)",
"roe": "number (double)",
"net_interest_income_to_avg_assets": "number (double)",
"net_interest_margin": "number (double)",
"interest_income_to_avg_assets": "number (double)",
"yield_on_earning_assets": "number (double)",
"avg_interest_bearing_funds_to_avg_assets": "number (double)"
... 23 more fields
}
],
"meta": { ... }
} When to use it
UBPR Ratios 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 ubpr_ratios naming it the same way in the REST path, the Python SDK and the OpenAPI document.
Access and authentication
This dataset is in the Pro tier. Send your API token in the Authorization header as a Bearer token, using a GET request to the endpoint above. The Pro 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.