# WealthPulse Bank Health Check

> 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.

## Facts

- Endpoint: GET https://wealthpulse.theaslangroupllc.com/api/wealth/bank-health
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-bank-health-check-acee00e9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VGY1hVcsfcLfaC664sxvc

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 wealthpulse-bank-health-check-acee00e9
```

Example prompt: Can you check whether First Republic Bank is financially healthy — I want to see their capital ratios, earnings, asset quality, and whether they're well-capitalized under FDIC standards, plus a plain-English take on whether my money is safe there?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "bank": {
       "type": "string",
       "description": "required; bank name or FDIC certificate/CERT number"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "state": {
       "type": "string",
       "description": "optional 2-letter state code, disambiguates a common bank name"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-bank-health-check-acee00e9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse.theaslangroupllc.com](https://www.zero.xyz/host/wealthpulse.theaslangroupllc.com/llms.txt)