# US Bank Health Check

> 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.

## Facts

- Endpoint: POST https://agent-data.centorprat.workers.dev/tools/us-bank-health-check?utm_source=zero.xyz
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-bank-health-check-5c60c2ba
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_w9QbhVKDSHcpIjd8hCJ3d

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 us-bank-health-check-5c60c2ba -d '<json body>'
```

Example prompt: Pull a health brief on JPMorgan Chase and PNC Bank — I want their capital adequacy ratios, ROA/ROE, and any deposit stress signals from the FDIC data.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "banks": {
   "type": "array",
   "items": {
    "type": "string"
   },
   "maxItems": 3,
   "description": "Bank names (e.g. \"JPMorgan Chase\", \"PNC Bank\") or FDIC CERT numbers. One health brief per bank."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-bank-health-check-5c60c2ba/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent-data.centorprat.workers.dev](https://www.zero.xyz/host/agent-data.centorprat.workers.dev/llms.txt)