# ClearCheck Bank Financial Health Verdict

> 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.

## Facts

- Endpoint: GET https://loonie-toll.onrender.com/bank
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/clearcheck-bank-financial-health-verdict-672fa1c2
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_re0AvVI9K4zhmt1S7_PAX

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 clearcheck-bank-financial-health-verdict-672fa1c2
```

Example prompt: Can you check the financial health of Silicon Valley Bank in California and tell me if it's still open, well-capitalized, and whether its asset trend is improving?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "name"
     ],
     "properties": {
      "name": {
       "type": "string",
       "description": "Bank name, or part of it"
      },
      "limit": {
       "type": "integer",
       "description": "Max institutions to return, default 3"
      },
      "state": {
       "type": "string",
       "description": "Two-letter state code to narrow the search"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "source": {
       "type": "string"
      },
      "reasons": {
       "type": "array",
       "items": {
        "type": "string"
       }
      },
      "verdict": {
       "type": "string"
      },
      "bestMatch": {
       "type": "object",
       "properties": {
        "asOf": {
         "type": "string"
        },
        "city": {
         "type": "string"
        },
        "name": {
         "type": "string"
        },
        "open": {
         "type": "boolean"
        },
        "state": {
         "type": "string"
        },
        "trend": {
         "type": "object",
         "properties": {
          "sincePeriod": {
           "type": "string"
          },
          "overQuarters": {
           "type": "integer"
          },
          "assetChangePct": {
           "type": "number"
          },
          "capitalRatioChangePct": {
           "type": "number"
          }
         }
        },
        "website": {
         "type": "string"
        },
        "branches": {
         "type": "integer"
        },
        "closedOn": {
         "type": "null"
        },
        "fdicCert": {
         "type": "integer"
        },
        "charterClass": {
         "type": "string"
        },
        "establishedOn": {
         "type": "string"
        },
        "totalAssetsUsd": {
         "type": "integer"
        },
        "totalEquityUsd": {
         "type": "integer"
        },
        "totalDep
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/clearcheck-bank-financial-health-verdict-672fa1c2/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from loonie-toll.onrender.com](https://www.zero.xyz/host/loonie-toll.onrender.com/llms.txt)