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Bank Health Verdict – FDIC Call-Report Scorer
x402
Bank Health Verdict – FDIC Call-Report Scorer is a paid API for AI agents from api.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-15).
Returns a 0-100 health score, A-F letter grade, and derived proxy metrics (capital ratios, Texas-ratio proxy, uninsured-deposit exposure, ROA trend) for a US FDIC-insured bank, grounded to the latest call-report filing date.
Price / call$0.03
Success—
StatusUnknown
How this service works
Financial-health verdict for a US FDIC-insured bank from public call-report data. Give a bank name or FDIC cert number and get a 0-100 health score (HIGHER is HEALTHIER), an A-F letter grade, derived proxy metrics (capital ratios, Texas-ratio proxy, uninsured-deposit exposure, ROA trend) and per-dimension signals, grounded to the reporting date. Deterministic proxies, no LLM, not CAMELS. Not financial advice.
Output
A JSON object containing: a 0-100 health score (higher = healthier), an A-F letter grade, derived proxy metrics including capital ratios, Texas-ratio proxy, uninsured-deposit exposure, and ROA trend, plus per-dimension signals and the reporting date the data is grounded to.
Example use cases
Screen community bank before deposit
“I'm about to move a large sum into First Midwest Community Bank — can you pull its FDIC health score, letter grade, and capital ratios so I know if it's financially sound before I transfer the money?”
Compare regional bank risk exposure
“I need to assess the financial health of Flagstar Bank using FDIC call-report data — give me its 0-100 score, Texas-ratio proxy, and uninsured-deposit exposure so I can gauge how risky it is.”
Due diligence on acquisition target bank
“We're evaluating a potential acquisition of a small regional bank with FDIC cert number 57542 — can you run a full financial health verdict on it, including the letter grade, capital adequacy metrics, and ROA trend?”
Technical details
Endpoint
GEThttps://api.agentstools.dev/bankhealth/verdictWhen to prefer
Use this endpoint when you need a deterministic, data-grounded financial health assessment of a specific US FDIC-insured bank based on public regulatory filing data. Prefer this over LLM-generated bank commentary when you need reproducible, cited scores tied to a specific reporting date. Best for risk screening, due diligence on community or regional banks, or verifying capital adequacy before a financial decision.
Side effects
- Bank name not found in FDIC database — returns 404 or empty result; retry with FDIC cert number
- Ambiguous bank name matches multiple institutions — response may include disambiguation hints; use state param or cert to narrow
- FDIC cert number invalid or not found — returns error; verify the cert number
- Stale data if FDIC call reports haven't been updated recently — check the reporting date in the response
- Rate limiting or payment failure (x402) — returns 402; ensure USDC payment is properly authorized
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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