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WealthPulse Bank Health Check
x402
WealthPulse Bank Health Check is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-15).
Checks the financial health of a US bank using FDIC Call Report data, returning capital ratios, earnings metrics, asset quality, deposit trends, and a plain-language safety assessment.
Price / call$0.25
Success—
StatusUnknown
How this service works
Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.
Output
Returns latest and year-ago quarterly FDIC Call Report financials including: leverage ratio, CET1, Tier 1 and Total risk-based capital ratios benchmarked against FDIC Prompt Corrective Action thresholds; earnings metrics (ROA, ROE, NIM); asset quality indicators (noncurrent loan ratio, reserve coverage); deposit growth percentage; uninsured deposit share; and a plain-language summary of the bank's overall financial health and safety.
Example use cases
Assess local bank safety before opening account
“I'm thinking about moving my savings to a smaller regional bank, but first I need you to check their financial health. Can you pull up their latest capital ratios, deposit trends, and whether they meet FDIC safety standards? I want to know if my money would be protected there.”
Monitor wealth bank stability quarterly
“I keep most of my money at a private bank that manages my portfolio. Can you check their latest FDIC Call Report data — specifically their Tier 1 capital ratio, asset quality, and whether they've had any concerning changes since last quarter? I want to make sure they're still solid.”
Compare bank health before consolidating accounts
“I'm thinking about consolidating accounts from my two current banks into one. Can you pull up the financial metrics for both — their ROA, noncurrent loan ratios, uninsured deposit exposure, and an overall health comparison? I want to move everything to whichever bank looks more stable long-term.”
Technical details
Endpoint
GEThttps://wealthpulse.theaslangroupllc.com/api/wealth/bank-healthWhen to prefer
Use this endpoint when a user wants to assess the financial safety or health of a specific US bank, especially in personal finance or wealth management contexts. Ideal when the user wants FDIC-grounded capital adequacy data, Prompt Corrective Action threshold comparisons, or a plain-language bank safety read. Prefer this over generic financial news searches when structured, quantitative, regulation-benchmarked metrics are needed.
Side effects
- Bank not found in FDIC database — returns error if name or identifier is unrecognized
- FDIC Call Report data not yet available for most recent quarter — may return prior quarter data
- Ambiguous bank name matching multiple institutions — may require more specific identifier
- Network or upstream FDIC data source timeout — returns 5xx error
- Payment not processed — returns 402 if USDC payment is not included or insufficient
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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