{"uid":"cap_VdIiJTdC83KE0oeT5eutk","slug":"wealthpulse-bank-health-check-008f1d75","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-phi.vercel.app/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":null,"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_GEsHJGxvZDcPdQHKQHnhO","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":"Analyzes a bank's financial health using FDIC Call Report data, computing capital adequacy, earnings, asset quality, and deposit metrics with a plain-language summary","exampleAgentPrompt":"Is First Republic Bank financially safe right now? Check their FDIC Call Report health — I want to know their capital ratios, whether they're above Prompt Corrective Action thresholds, how much of their deposits are uninsured, and get a plain-English verdict on whether my money is safe there.","exampleUseCases":[{"title":"Verify bank safety before opening account","prompt":"I'm thinking about moving my savings to a new bank, but I want to make sure they're financially stable first. Can you pull their latest FDIC data and tell me if they're well-capitalized, what their capital ratios look like compared to regulatory minimums, and whether I should be concerned about deposit insurance coverage?"},{"title":"Monitor regional bank financial stability","prompt":"I have accounts at a few smaller regional banks and I'm getting nervous about the recent banking news. Can you check the health of each bank using their most recent FDIC Call Reports? I need to know their capital adequacy, earnings quality, asset quality, and whether any of them are trending downward over the past year."},{"title":"Assess uninsured deposit risk exposure","prompt":"I've got more than the FDIC insurance limit at my current bank and I'm wondering how risky that is. Can you analyze my bank's financial strength using their latest Call Report — specifically their capital ratios, profitability, how much of their total deposits are uninsured, and whether they're financially healthy enough that I should keep my excess deposits there?"}],"resultDescription":"Returns capital adequacy ratios (leverage, CET1, Tier 1, Total risk-based) benchmarked against FDIC Prompt Corrective Action thresholds, profitability metrics (ROA, ROE, NIM), asset quality indicators (noncurrent loans, reserve coverage), deposit growth figures, uninsured deposit share, year-over-year comparisons, and a plain-language health assessment indicating the bank's overall financial condition.","failureModes":["Bank not found in FDIC database — returns error if institution name or ID is unrecognized","FDIC Call Report data not yet available for most recent quarter — may return prior quarter","Very small or de novo banks may have limited historical data for year-over-year comparison","Rate limit or payment failure returns 402 if USDC payment not processed","Ambiguous bank name matching multiple institutions may require more specific identifier"],"whenToPreferThis":"Use this endpoint when a user wants to assess the safety and financial soundness of a specific bank, especially regarding capital adequacy against regulatory thresholds. Prefer this over generic financial news lookups when you need structured, quantitative FDIC-grounded metrics. Ideal for personal finance agents helping users decide where to keep deposits, especially amounts near or above FDIC insurance limits.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:34:16.568Z","isFirstParty":false}