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WealthPulse Bank Health Check
x402
WealthPulse Bank Health Check is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.25/call, status unknown (last checked 2026-10-28).
Analyzes a bank's financial health using FDIC Call Report data, computing capital adequacy, earnings, asset quality, and deposit metrics with a plain-language summary
Price / call$0.25
Success—
StatusUnknown
How this service works
Personal finance intelligence API. 14 endpoints grounded in live FRED rate data and official FDIC Call Report data — financial health, retirement, debt, credit cards, mortgage, Social Security, tax optimization, Roth vs Traditional, emergency fund, inherited IRA, debt negotiation, Trump Account (IRC §530A) eligibility/strategy/rules, bank-safety/FDIC Call Report checks, and financial advisor intelligence. All endpoints require x402 payment (USDC on Base mainnet).
Output
Returns capital adequacy ratios (leverage, CET1, Tier 1, Total risk-based) benchmarked against FDIC Prompt Corrective Action thresholds, profitability metrics (ROA, ROE, NIM), asset quality indicators (noncurrent loans, reserve coverage), deposit growth figures, uninsured deposit share, year-over-year comparisons, and a plain-language health assessment indicating the bank's overall financial condition.
Example use cases
Verify bank safety before opening account
“I'm thinking about moving my savings to a new bank, but I want to make sure they're financially stable first. Can you pull their latest FDIC data and tell me if they're well-capitalized, what their capital ratios look like compared to regulatory minimums, and whether I should be concerned about deposit insurance coverage?”
Monitor regional bank financial stability
“I have accounts at a few smaller regional banks and I'm getting nervous about the recent banking news. Can you check the health of each bank using their most recent FDIC Call Reports? I need to know their capital adequacy, earnings quality, asset quality, and whether any of them are trending downward over the past year.”
Assess uninsured deposit risk exposure
“I've got more than the FDIC insurance limit at my current bank and I'm wondering how risky that is. Can you analyze my bank's financial strength using their latest Call Report — specifically their capital ratios, profitability, how much of their total deposits are uninsured, and whether they're financially healthy enough that I should keep my excess deposits there?”
Technical details
Endpoint
GEThttps://wealthpulse-phi.vercel.app/api/wealth/bank-health?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user wants to assess the safety and financial soundness of a specific bank, especially regarding capital adequacy against regulatory thresholds. Prefer this over generic financial news lookups when you need structured, quantitative FDIC-grounded metrics. Ideal for personal finance agents helping users decide where to keep deposits, especially amounts near or above FDIC insurance limits.
Side effects
- Bank not found in FDIC database — returns error if institution name or ID is unrecognized
- FDIC Call Report data not yet available for most recent quarter — may return prior quarter
- Very small or de novo banks may have limited historical data for year-over-year comparison
- Rate limit or payment failure returns 402 if USDC payment not processed
- Ambiguous bank name matching multiple institutions may require more specific identifier
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"bank": {
"cert": 12345,
"city": "Springfield",
"name": "Example Community Bank",
"state": "IL",
"active": true
},
"capital": {
"pca_category": "well_capitalized",
"cet1_ratio_pct": 20.04,
"tier1_leverage_ratio_pct": 9.68
},
"summary": "This bank meets FDIC well-capitalized thresholds with stable earnings and a manageable noncurrent-loan ratio.",
"earnings": {
"roa_pct": 0.69,
"roe_pct": 11.77
},
"liquidity": {
"deposit_growth_yoy_pct": 3.9,
"uninsured_deposit_share_pct": 30.8
},
"data_as_of": "2026-03-31",
"disclaimer": "This is deposit-safety information derived from public FDIC Call Report data, not financial or investment advice.",
"amazon_link": "https://www.amazon.com/s?k=FDIC+deposit+insurance+guide&tag=pulsenetwork7-20",
"overall_flag": "no_capital_or_asset_quality_concerns_identified",
"amazon_search": "FDIC deposit insurance guide",
"asset_quality": {
"noncurrent_loans_pct_of_gross_loans": 3.4
}
}
}Tags
x402
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