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US Bank Health Check
x402
US Bank Health Check is a paid API for AI agents from agent-data.centorprat.workers.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-10-28).
Returns a health brief for up to 3 US banks using official FDIC data, covering capital adequacy, profitability, and deposit stress signals.
Price / call$0.03
Success—
StatusUnknown
How this service works
Pay-per-call data and tools for AI agents, $0.002-0.01 per call in USDC via x402 (Base, Polygon or Solana), no account or API key; MAX tiers ($0.05-0.25) run deeper jobs. Agent toolkit: web search, search + read top pages, any page as clean markdown with a prompt-injection check, which-x402-API-to-call recommender, seller check. Data: Google Maps places with contacts, YouTube video data and transcripts, job listings (Indeed, LinkedIn, 13 boards), Google Ads Transparency, TikTok comments, Pinterest, Airbnb, Redfin, AliExpress, app stores, live sports, website and SEO checks, Shopify store tech stacks, and onchain token / address risk checks.
Output
A structured health brief per bank including: risk-based capital ratio (capital adequacy), ROA and ROE (profitability), deposit trend with outflow/stress signal, an overall health band classification, and a list of key findings. Failed lookups are noted but not charged.
Example use cases
Pre-loan bank counterparty check
“Before we wire funds, can you pull the FDIC health brief on First Republic Bank and flag if there are any deposit outflow or capital adequacy red flags?”
Regional bank stability comparison
“I'm deciding where to open a business account — can you check the financial health of Regions Bank and Comerica, specifically their profitability and capital ratios?”
Community bank risk monitoring
“Check the FDIC health data for CERT number 57570 and let me know what health band it's in and whether there are any deposit stress signals.”
Technical details
Endpoint
POSThttps://agent-data.centorprat.workers.dev/tools/us-bank-health-check?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a quick, structured financial health signal on US-chartered banks using authoritative FDIC data without any API key setup. It is ideal for pre-transaction counterparty checks, monitoring community bank stability, or research workflows requiring capital adequacy and profitability metrics. Prefer it over raw FDIC API calls when you want a pre-interpreted health band and findings summary rather than raw regulatory filings.
Side effects
- Bank name not found in FDIC database — returns a failed lookup entry without charge
- FDIC CERT number invalid or unrecognized — lookup fails gracefully
- More than 3 banks submitted — request rejected due to max item limit
- FDIC data temporarily unavailable — upstream API error returned
- Ambiguous bank name matching multiple institutions — may return wrong entity or fail
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| banks | array | Bank names (e.g. "JPMorgan Chase", "PNC Bank") or FDIC CERT numbers. One health brief per bank. |
Output
Schema · Response
{
"type": "json",
"example": {
"items": [
{
"cert": 628,
"city": "Columbus",
"found": true,
"query": "JPMorgan Chase",
"state": "OH",
"active": true,
"bankName": "JPMorgan Chase Bank, National Association",
"bankClass": "N",
"reportDate": "20260630",
"assetsBillion": 4091.315,
"equityBillion": 341.58,
"depositsBillion": 2820.284,
"netIncomeBillion": 31.335,
"totalCapitalRatioPct": 16.21
}
]
}
}Tags
x402
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