# bankhealth-verdict

> bankhealth-verdict is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-14).

Returns a 0-100 health score, A-F letter grade, and derived financial proxy metrics for a US FDIC-insured bank using public call-report data.

## Facts

- Endpoint: GET https://payai.agentstools.dev/bankhealth/verdict
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bankhealth-verdict-f7bd76ff
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_x4DjzEbfZzDulay30KNc0

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 bankhealth-verdict-f7bd76ff
```

Example prompt: What's the financial health score and letter grade for JPMorgan Chase — look it up by name and give me the capital ratios, Texas-ratio proxy, and ROA trend from the latest call report data.

## When to prefer this

Use this endpoint when you need a fast, deterministic financial health assessment for a specific US FDIC-insured bank without building your own call-report parsing pipeline. Prefer it over general news sentiment when you want quantitative proxy metrics grounded to regulatory filings. It is especially useful for due diligence on community or regional banks where third-party ratings are unavailable. If you have the FDIC certificate number, use it for unambiguous lookup; otherwise the bank name with optional state code works. This is not a substitute for full CAMELS ratings or professional financial advice.

## Known failure modes

- Bank name not found or ambiguous — returns error suggesting use of FDIC cert number instead
- FDIC cert number not recognized — returns not-found error
- State filter too narrow causing no match — returns empty result
- Bank is not FDIC-insured (e.g. credit union or foreign bank) — returns out-of-scope error
- Stale call-report data if FDIC has not yet published the latest filing period
- Network or payment (x402) failure before response is returned

## 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 response containing: a 0-100 composite health score (higher = healthier), an A-F letter grade, computed proxy metrics (Tier 1 capital ratio, Texas-ratio proxy, uninsured deposit exposure percentage, ROA trend), per-dimension signals for each metric, and the grounding reporting date from FDIC call-report filings. All metrics are deterministic computations, not LLM-generated.

## 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/bankhealth-verdict-f7bd76ff/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)