# Bank Health Verdict – FDIC Call-Report Scorer

> 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.

## Facts

- Endpoint: GET https://api.agentstools.dev/bankhealth/verdict
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bank-health-verdict-fdic-call-report-scorer-41360d5f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_37pQ9yT1CpNiz-RMESJhi

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability bank-health-verdict-fdic-call-report-scorer-41360d5f
```

Example prompt: Can you give me a financial health verdict on Silvergate Bank — pull its 0-100 score, letter grade, and capital metrics from FDIC call-report data?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "cert": {
       "type": "integer",
       "description": "FDIC certificate number (preferred)"
      },
      "name": {
       "type": "string",
       "description": "Bank name (used if no cert)"
      },
      "state": {
       "type": "string",
       "description": "Optional 2-letter US state code"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/bank-health-verdict-fdic-call-report-scorer-41360d5f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.agentstools.dev](https://www.zero.xyz/host/api.agentstools.dev/llms.txt)