{"uid":"cap_VGY1hVcsfcLfaC664sxvc","slug":"wealthpulse-bank-health-check-acee00e9","name":"WealthPulse Bank Health Check","description":"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.","url":"https://wealthpulse.theaslangroupllc.com/api/wealth/bank-health","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","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"}}}}},"responseSchema":{"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}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.25","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":"$0.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_HtcJ3siqbEBc_GHZMSRN3","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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.","exampleAgentPrompt":"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?","exampleUseCases":[{"title":"Assess local bank safety before opening account","prompt":"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."},{"title":"Monitor wealth bank stability quarterly","prompt":"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."},{"title":"Compare bank health before consolidating accounts","prompt":"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."}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:39:17.328Z","isFirstParty":false}