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WealthPulse FDIC Bank Health Check
x402
WealthPulse FDIC Bank Health Check is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).
Looks up a US bank by name or FDIC certificate number and returns a deterministic safety assessment including PCA capital category, key financial ratios, deposit trends, and failure history.
Price / call$0.02
Success—
StatusUnknown
How this service works
FDIC bank-health check, deterministic. Answers "is my bank safe", "is this bank well capitalized", "did this bank fail". Resolves a US bank by name or FDIC cert, then computes from quarterly Call Reports: PCA capital category (12 CFR 324.403), ROA/ROE/NIM, noncurrent-loan and reserve-coverage ratios, YoY deposit growth, uninsured-deposit share, 8-quarter trend. Includes closed/failed institutions with charter-end date. No LLM, no key, public domain.
Output
Returns a structured bank health report including: resolved bank identity and FDIC cert, PCA capital category (12 CFR 324.403), profitability ratios (ROA, ROE, NIM), noncurrent-loan and reserve-coverage ratios, YoY deposit growth, uninsured-deposit share percentage, an 8-quarter historical trend, and for closed/failed institutions the charter-end date.
Example use cases
Example prompt
“Can you check if Silicon Valley Bank is safe — is it well capitalized and what does its 8-quarter trend look like? Use the FDIC bank-health check.”
Technical details
Endpoint
GEThttps://wealthpulse.theaslangroupllc.com/api/wealth/bank-checkWhen to prefer
Use this endpoint when you need a deterministic, no-LLM, public-domain assessment of a US bank's financial health — especially for questions about capital adequacy, failure risk, historical failures, or regulatory standing. Prefer this over general financial data APIs when you specifically need FDIC Call Report metrics and PCA category classifications.
Side effects
- Bank name not found or ambiguous — returns error suggesting FDIC cert number for disambiguation
- FDIC cert number invalid or not in database — returns not-found error
- Bank data not yet available for most recent quarter — returns latest available quarter with a staleness notice
- Network or upstream FDIC data source unavailable — returns 503 or timeout
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| bankrequired | string | US bank name or FDIC certificate (CERT) number |
| state | string | optional 2-letter state code to disambiguate a common name |
Output
Schema · Response
{
"type": "json",
"example": {
"bank": {
"cert": 628,
"name": "JPMorgan Chase Bank, National Association",
"active": true
},
"capital": {
"pca_category": "well_capitalized",
"cet1_ratio_pct": 15.08,
"tier1_leverage_ratio_pct": 7.63
},
"liquidity": {
"deposit_growth_yoy_pct": 4.2,
"uninsured_deposit_share_pct": 57.1
},
"data_as_of": "2026-03-31",
"overall_flag": "no_capital_or_asset_quality_concerns_identified",
"deterministic": true
}
}Tags
x402
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