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ClearCheck Bank Financial Health Verdict
x402
ClearCheck Bank Financial Health Verdict is a paid API for AI agents from loonie-toll.onrender.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).
Returns a financial health verdict (PASS/FAIL/WARN) for a US bank, covering capital adequacy, profitability, size, trend, and open/closed status using FDIC data.
Price / call$0.02
Success—
StatusUnknown
How this service works
Financial health verdict for a US bank: capital adequacy, profitability, size, trend, and whether it is still open.
Output
Returns a structured verdict (e.g. PASS, WARN, FAIL) with supporting reasons, plus detailed metrics for the best-matching institution: open/closed status, total assets, total deposits, total equity, return on assets, return on equity, tier 1 and total risk-based capital ratios, asset and capital trend over recent quarters, branch count, city/state, website, FDIC certificate number, charter class, and establishment date. Also returns a list of additional matching institutions if multiple results are found.
Example use cases
Vetting a bank before large deposit
“I'm about to wire $500,000 to Heartland Bank in Missouri — can you pull up their financial health verdict, capital ratios, and confirm they're still open and in good standing?”
Researching regional bank for business account
“We're choosing a bank for our company's operating account in Texas. Can you check the financial health, profitability, and size of Frost Bank so we can compare it against others?”
Monitoring a bank after news of instability
“I saw a news story about First Republic Bank having trouble — can you look up their FDIC data, check if they're still open, and give me their capital adequacy and trend over recent quarters?”
Technical details
Endpoint
GEThttps://loonie-toll.onrender.com/bankWhen to prefer
Use this endpoint when you need a quick, structured financial health assessment of a specific US depository institution using FDIC regulatory data. It is best when you need capital adequacy ratios, profitability metrics, and open/closed status in a single call rather than scraping FDIC BankFind manually. Prefer this over generic web search when you need structured, machine-readable financial verdicts with trend data.
Side effects
- Bank name not found in FDIC database — returns empty match list or low-confidence match
- Ambiguous bank name matches multiple institutions — returns top N results requiring user disambiguation
- Bank data may be stale if FDIC has not yet published latest quarterly call report
- State filter may exclude a bank headquartered in a different state than expected
- Misspelled or informal bank names may fail to match — use official FDIC name for best results
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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