# WealthPulse FDIC Bank Health Check

> 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.

## Facts

- Endpoint: GET https://wealthpulse.theaslangroupllc.com/api/wealth/bank-check
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-fdic-bank-health-check-190b9270
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_2wMUQ_qd1batv8_T0GG-7

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-fdic-bank-health-check-190b9270
```

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.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "bank"
 ],
 "properties": {
  "bank": {
   "type": "string",
   "description": "US bank name or FDIC certificate (CERT) number"
  },
  "state": {
   "type": "string",
   "description": "optional 2-letter state code to disambiguate a common name"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-fdic-bank-health-check-190b9270/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)