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Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ

Bank & credit-union financial-health API on keyless FDIC data (NCUA v1.1): unified per-institution assets, deposits, equity, ROA, ROE, NIM and asset quality, with quarter-over-quarter deltas, peer-percentile scoring, and derived health flags (deposit outflow, low ROA, rising NPL).

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from $4.40 / 1,000 results

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Kyle Maloney

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Agents

Institution type

institution_type

Optional

Type of institution: 'bank' (FDIC-insured) or 'credit_union' (NCUA, v1.1).

Type:string | null

Example:bank

Institution ID

Optional

Primary regulator id — the FDIC certificate (CERT) for banks, or the NCUA charter number for credit unions.

Type:string | null

Example:3510

ID scheme

id_scheme

Optional

What the id is: 'FDIC CERT' or 'NCUA charter'.

Type:string | null

Example:FDIC CERT

Name

name

Optional

Legal name of the bank or credit union.

Type:string | null

Example:Banc of California

City

city

Optional

City of the institution's main office.

Type:string | null

Example:Los Angeles

State

state

Optional

2-letter US state of the main office.

Type:string | null

Example:CA

Total assets ($000s)

total_assets

Optional

Total assets in thousands of US dollars (FDIC ASSET). Multiply by 1,000 for dollars.

Type:number | null

Example:2672192000

Total deposits ($000s)

total_deposits

Optional

Total deposits in thousands of US dollars (FDIC DEP).

Type:number | null

Example:2128004000

Total equity ($000s)

equity

Optional

Total equity capital in thousands of US dollars (FDIC EQ). Used to derive the thin-capital flag.

Type:number | null

Example:241710000

Return on assets (%)

roa

Optional

Return on average assets, as a percent (FDIC ROA).

Type:number | null

Example:1.1176

Return on equity (%)

roe

Optional

Return on average equity, as a percent (FDIC ROE).

Type:number | null

Example:12.16

Net interest margin (%)

net_interest_margin

Optional

Net interest margin as a percent (FDIC NIMY). Populated in EVERY mode as of v1.2 - v1.1 left this null in snapshot mode.

Type:number | null

Example:2.5034

Asset quality ratio (%)

asset_quality_ratio

Optional

Noncurrent-loan asset-quality ratio as a percent (FDIC NCLNLSR, NPERFV fallback). Higher = worse loan quality. Populated in every mode as of v1.2.

Type:number | null

Example:0.6827

Report date (quarter)

report_date

Optional

Quarter-end report date the figures are as of (YYYY-MM-DD).

Type:string | null

Example:2026-03-31

Prior report date

prior_report_date

Optional

Quarter-end date of the prior period used for QoQ deltas (YYYY-MM-DD). Populated in every mode as of v1.2.

Type:string | null

Example:2025-12-31

Prior period assets ($000s)

prior_period_assets

Optional

Total assets in the prior quarter, in $000s, used for the QoQ asset delta.

Type:number | null

Example:2636823000

Prior period deposits ($000s)

prior_period_deposits

Optional

Total deposits in the prior quarter, in $000s, used for the QoQ deposit delta.

Type:number | null

Example:2101968000

QoQ asset change (%)

qoq_asset_change_pct

Optional

Quarter-over-quarter percent change in total assets. Populated in every mode as of v1.2; null only when the institution has no prior quarter on file.

Type:number | null

Example:1.34

QoQ deposit change (%)

qoq_deposit_change_pct

Optional

Quarter-over-quarter percent change in total deposits (negative = deposit outflow). Populated in every mode as of v1.2.

Type:number | null

Example:1.24

Peer asset percentile

peer_asset_percentile

Optional

Percentile (0-100) of this institution's total assets within the returned cohort (state / asset band). 100 = largest.

Type:number | null

Example:100

Peer ROA percentile

peer_roa_percentile

Optional

Percentile (0-100) of this institution's ROA within the cohort. 100 = most profitable peer.

Type:number | null

Example:66.7

Leverage ratio (%)

leverage_ratio

Optional

Tier 1 leverage ratio used for PCA (FDIC RBC1AAJ). Well-capitalized threshold is 5%.

Type:number | null

Example:7.6257

CET1 ratio (%)

cet1_ratio

Optional

Common equity tier 1 capital ratio (FDIC IDT1CER). Well-capitalized threshold is 6.5%. Uses IDT1CER rather than RBCT1CER, which is null for most community banks. Null for CBLR filers, which do not report it — see capital_framework.

Type:number | null

Example:15.079

Tier 1 risk-based capital ratio (%)

tier1_rbc_ratio

Optional

Tier 1 risk-based capital ratio (FDIC IDT1RWAJR). Well-capitalized threshold is 8%. Null for CBLR filers.

Type:number | null

Example:15.0792

Total risk-based capital ratio (%)

total_rbc_ratio

Optional

Total risk-based capital ratio (FDIC RBCRWAJ). Well-capitalized threshold is 10%. Null for CBLR filers.

Type:number | null

Example:16.2529

Tier 1 capital ($000s)

tier1_capital

Optional

Tier 1 risk-based capital adjusted for the allowance for loan losses (FDIC RBCT1J), in $000s. Denominator for the CRE-concentration tests.

Type:number | null

Example:295758000

Capital framework

capital_framework

Optional

Which regulatory capital framework the bank files under: 'risk_based' (reports CET1 / tier 1 / total RBC ratios) or 'cblr' (elected the Community Bank Leverage Ratio under 12 CFR 324.12, which requires leverage >= 9% and exempts the bank from reporting risk-based ratios — those fields are null, not zero). Null when neither can be determined.

Type:string | null

Example:cblr

PCA capital category

pca_capital_category

Optional

Prompt Corrective Action category per 12 CFR 324.403: well_capitalized, adequately_capitalized, undercapitalized, or significantly_undercapitalized. CBLR filers (leverage >= 9%) are well_capitalized by the election itself. Null when the inputs can't support a classification — the category is never guessed.

Type:string | null

Example:well_capitalized

Uninsured deposits ($000s)

uninsured_deposits

Optional

Estimated uninsured deposits (FDIC DEPUNINS), in $000s.

Type:number | null

Example:1287930000

Insured deposits ($000s)

insured_deposits

Optional

Estimated insured deposits (FDIC DEPINS), in $000s.

Type:number | null

Example:967916000

Uninsured deposit ratio (%)

uninsured_deposit_ratio

Optional

Uninsured deposits as a percent of total deposits. The headline post-SVB run-risk metric - SVB was 92.5%. Flagged above 50%, the OFR screening cutoff.

Type:number | null

Example:58.28

Core deposits ratio (%)

core_deposits_ratio

Optional

Core deposits as a percent of total deposits (FDIC COREDEPR). Higher = stickier funding.

Type:number | null

Example:49.2139

Brokered deposits ratio (%)

brokered_deposits_ratio

Optional

Brokered deposits as a percent of total deposits (FDIC BROR). Higher = more rate-sensitive wholesale funding.

Type:number | null

Example:1.2288

Loans to deposits (%)

loans_to_deposits_ratio

Optional

Net loans and leases as a percent of deposits (FDIC LNLSDEPR).

Type:number | null

Example:53.5861

AFS securities at fair value ($000s)

afs_fair_value

Optional

Available-for-sale securities at fair value (FDIC SCAF), in $000s.

Type:number | null

Example:549034000

AFS securities at amortized cost ($000s)

afs_amortized_cost

Optional

Available-for-sale securities at amortized cost (FDIC SCAA), in $000s.

Type:number | null

Example:552176000

AFS unrealized gain/loss ($000s)

afs_unrealized_gain_loss

Optional

Derived as fair value minus amortized cost, in $000s. Negative = unrealized loss. The FDIC publishes no AOCI or unrealized-loss field, so this is computed.

Type:number | null

Example:-3142000

Unrealized loss / equity (%)

unrealized_loss_to_equity_pct

Optional

AFS unrealized LOSS as a percent of total equity; 0 when the portfolio is in a gain. Flagged above 100%, the OFR cutoff that identified 185 banks in 2023.

Type:number | null

Example:3.14

HTM securities at fair value ($000s)

htm_fair_value

Optional

Held-to-maturity securities at fair value (FDIC SCHF), in $000s.

Type:number | null

Example:254513000

Total securities ($000s)

total_securities

Optional

Total securities portfolio (FDIC SC), in $000s.

Type:number | null

Example:821921000

Total CRE loans ($000s)

cre_total_loans

Optional

Commercial real estate exposure, derived as nonfarm-nonresidential + multifamily + construction and land development. The FDIC publishes no single CRE field.

Type:number | null

Example:178663000

CRE / Tier 1 capital (%)

cre_to_tier1_pct

Optional

Total CRE as a percent of TIER 1 capital. The 2006 interagency guidance sets its 300% threshold against TOTAL risk-based capital, which is larger than Tier 1 — so this ratio runs slightly high and the cre_over_300pct_capital flag is deliberately CONSERVATIVE (it catches every bank the official test would, plus a few near the line). Banks tripping both prongs of the guidance failed at 22.9% historically. This is the level prong; the 50%-growth-over-36-months prong needs 12 quarters and is not evaluated here.

Type:number | null

Example:60.41

Construction and land development loans ($000s)

construction_loans

Optional

Construction and land development loans (FDIC LNRECONS), in $000s.

Type:number | null

Example:18983000

Nonfarm nonresidential loans ($000s)

nonfarm_nonres_loans

Optional

Nonfarm nonresidential real estate loans - the core of commercial real estate (FDIC LNRENRES), in $000s.

Type:number | null

Example:53510000

Multifamily loans ($000s)

multifamily_loans

Optional

Multifamily residential real estate loans (FDIC LNREMULT), in $000s.

Type:number | null

Example:106170000

Commercial and industrial loans ($000s)

ci_loans

Optional

Commercial and industrial loans (FDIC LNCI), in $000s.

Type:number | null

Example:237664000

Construction / Tier 1 capital (%)

construction_to_tier1_pct

Optional

Construction and land development loans as a percent of Tier 1 capital (FDIC LNCDT1R). The 2006 guidance flags 100%.

Type:number | null

Example:6.42

Real-estate loans / Tier 1 capital (%)

re_loans_to_tier1_pct

Optional

All real-estate loans as a percent of Tier 1 capital (FDIC LNRERT1R).

Type:number | null

Example:108.78

Nonperforming assets / assets (%)

nonperforming_assets_ratio

Optional

Nonperforming assets as a percent of total assets (FDIC NPERFV). Replaces NPTLA, which is not a real FDIC field and was silently dropped from every response through v1.1.

Type:number | null

Example:0.3376

Net charge-off ratio (%)

net_charge_off_ratio

Optional

Net charge-offs as a percent of loans (FDIC NTLNLSR).

Type:number | null

Example:0.6151

Loan loss reserve ratio (%)

loan_loss_reserve_ratio

Optional

Allowance for loan and lease losses as a percent of gross loans (FDIC LNATRESR).

Type:number | null

Example:1.6933

Provision for credit losses ($000s)

provision_for_credit_losses

Optional

Provision for credit losses (FDIC ELNATR), in $000s. Compare against net charge-offs to see reserve build vs burn-down.

Type:number | null

Example:2540000

Earnings coverage of net charge-offs (x)

earnings_coverage_of_nco

Optional

How many times current earnings cover net charge-offs (FDIC IDERNCVR). Lower = thinner cushion.

Type:number | null

Example:8.5397

Efficiency ratio (%)

efficiency_ratio

Optional

Noninterest expense as a percent of revenue (FDIC EEFFR). Lower is better.

Type:number | null

Example:54.7187

Cost of funds (%)

cost_of_funds_pct

Optional

Cost of funding earning assets, quarterly (FDIC INTEXPYQ).

Type:number | null

Example:1.9

Pretax return on assets (%)

pretax_roa

Optional

Pretax return on assets (FDIC ROAPTX).

Type:number | null

Example:1.7867

Health flags

health_flags

Optional

Derived risk flags. Fundamentals: deposit_outflow, asset_decline, low_roa, negative_roa, negative_roe, elevated_npl, rising_npl, thin_capital. Post-2023 stress screen (v1.2): uninsured_over_50pct, unrealized_loss_over_100pct_equity, cre_over_300pct_capital (Tier-1 denominator, conservative), construction_over_100pct_capital, below_well_capitalized. Empty when nothing is flagged.

Type:string[]

Source URL

source_url

Optional

Link to the institution's official FDIC BankFind detail page.

Type:string | null

Example:https://banks.data.fdic.gov/bankfind-suite/bankfind/details/3510

Retrieved at

retrieved_at

Optional

UTC timestamp when this run fetched the data (ISO 8601).

Type:string | null

Example:2026-07-07T00:00:00.000Z

business_line

Optional

FDIC business-model peer group label (SPECGRPN) — e.g. "Commercial Lending Specialization", "Agricultural Specialization". The cut a bank examiner uses.

Type:string | null

business_line_code

Optional

FDIC specialization group code (SPECGRP, 1-9) behind business_line.

Type:number | null

is_community_bank

Optional

FDIC community-bank research flag. True for the ~96% of institutions the FDIC classifies as community banks.

Type:boolean | null

charter_class

Optional

FDIC charter class (BKCLASS): N national, NM state non-member, SM state member, SB savings bank, OI other insured.

Type:string | null

holding_company

Optional

Name of the bank holding company (NAMEHCR), or null for the ~12% of banks that have none.

Type:string | null

holding_company_rssd

Optional

Federal Reserve RSSD ID of the holding company. Group on this to roll multiple bank charters up to one parent.

Type:string | null

peer_basis

Optional

Which cohort the peer percentiles on this row were computed against: cohort, business_line, asset_band or community_bank.

Type:string | null

peer_group

Optional

Machine key of this row's peer group. "cohort" means the group was too small to score against and the full cohort was used instead.

Type:string | null

peer_group_label

Optional

Human-readable name of the peer group.

Type:string | null

peer_group_size

Optional

How many institutions the percentiles on this row were computed against.

Type:number | null

peer_cre_percentile

Optional

CRE-concentration percentile within the peer group (100 = most concentrated).

Type:number | null

peer_uninsured_percentile

Optional

Uninsured-deposit-ratio percentile within the peer group (100 = most uninsured).

Type:number | null

cre_total_loans_36m_ago

Optional

Total CRE loans 12 quarters earlier, in $000s — the baseline for the 2006 guidance growth prong.

Type:number | null

cre_growth_36m_pct

Optional

Percent change in total CRE loans over 36 months. The second half of the 2006 interagency CRE test.

Type:number | null

cre_baseline_date

Optional

Quarter-end used as the 36-month CRE baseline (YYYY-MM-DD).

Type:string | null

cre_guidance_prong

Optional

Which prong of the 2006 interagency CRE guidance this bank trips: construction, cre_growth, both, or null.

Type:string | null

benchmark_scope

Optional

Scope of the peer benchmark on this row: national or state.

Type:string | null

benchmark_peer_count

Optional

Number of institutions in the benchmark cohort.

Type:number | null

benchmark_uninsured_deposit_ratio

Optional

Asset-weighted uninsured deposit ratio for the benchmark cohort (%).

Type:number | null

benchmark_cre_to_tier1_pct

Optional

Asset-weighted CRE / Tier 1 capital for the benchmark cohort (%).

Type:number | null

benchmark_unrealized_loss_to_equity_pct

Optional

Asset-weighted AFS unrealized loss as a share of equity for the benchmark cohort (%).

Type:number | null

uninsured_vs_benchmark_pts

Optional

This bank's uninsured deposit ratio minus the benchmark, in percentage POINTS. Positive = more uninsured than peers.

Type:number | null

cre_vs_benchmark_pts

Optional

This bank's CRE / Tier 1 minus the benchmark, in percentage POINTS.

Type:number | null

unrealized_vs_benchmark_pts

Optional

This bank's unrealized-loss burden minus the benchmark, in percentage POINTS.

Type:number | null

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