{"uid":"cap_37pQ9yT1CpNiz-RMESJhi","slug":"bank-health-verdict-fdic-call-report-scorer-41360d5f","name":"Bank Health Verdict – FDIC Call-Report Scorer","description":"Financial-health verdict for a US FDIC-insured bank from public call-report data. Give a bank name or FDIC cert number and get a 0-100 health score (HIGHER is HEALTHIER), an A-F letter grade, derived proxy metrics (capital ratios, Texas-ratio proxy, uninsured-deposit exposure, ROA trend) and per-dimension signals, grounded to the reporting date. Deterministic proxies, no LLM, not CAMELS. Not financial advice.","url":"https://api.agentstools.dev/bankhealth/verdict","method":"GET","headers":{},"bodySchema":{"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","required":[],"properties":{"cert":{"type":"integer","description":"FDIC certificate number (preferred)"},"name":{"type":"string","description":"Bank name (used if no cert)"},"state":{"type":"string","description":"Optional 2-letter US state code"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.03","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.03/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.03","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.03","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_m2DVfq6gNsNyb-Cmi7ws5","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.03","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a 0-100 health score, A-F letter grade, and derived proxy metrics (capital ratios, Texas-ratio proxy, uninsured-deposit exposure, ROA trend) for a US FDIC-insured bank, grounded to the latest call-report filing date.","exampleAgentPrompt":"Can you give me a financial health verdict on Silvergate Bank — pull its 0-100 score, letter grade, and capital metrics from FDIC call-report data?","exampleUseCases":[{"title":"Screen community bank before deposit","prompt":"I'm about to move a large sum into First Midwest Community Bank — can you pull its FDIC health score, letter grade, and capital ratios so I know if it's financially sound before I transfer the money?"},{"title":"Compare regional bank risk exposure","prompt":"I need to assess the financial health of Flagstar Bank using FDIC call-report data — give me its 0-100 score, Texas-ratio proxy, and uninsured-deposit exposure so I can gauge how risky it is."},{"title":"Due diligence on acquisition target bank","prompt":"We're evaluating a potential acquisition of a small regional bank with FDIC cert number 57542 — can you run a full financial health verdict on it, including the letter grade, capital adequacy metrics, and ROA trend?"}],"resultDescription":"A JSON object containing: a 0-100 health score (higher = healthier), an A-F letter grade, derived proxy metrics including capital ratios, Texas-ratio proxy, uninsured-deposit exposure, and ROA trend, plus per-dimension signals and the reporting date the data is grounded to.","failureModes":["Bank name not found in FDIC database — returns 404 or empty result; retry with FDIC cert number","Ambiguous bank name matches multiple institutions — response may include disambiguation hints; use state param or cert to narrow","FDIC cert number invalid or not found — returns error; verify the cert number","Stale data if FDIC call reports haven't been updated recently — check the reporting date in the response","Rate limiting or payment failure (x402) — returns 402; ensure USDC payment is properly authorized"],"whenToPreferThis":"Use this endpoint when you need a deterministic, data-grounded financial health assessment of a specific US FDIC-insured bank based on public regulatory filing data. Prefer this over LLM-generated bank commentary when you need reproducible, cited scores tied to a specific reporting date. Best for risk screening, due diligence on community or regional banks, or verifying capital adequacy before a financial decision.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T06:59:27.613Z","isFirstParty":false}