{"uid":"cap_re0AvVI9K4zhmt1S7_PAX","slug":"clearcheck-bank-financial-health-verdict-672fa1c2","name":"ClearCheck Bank Financial Health Verdict","description":"Financial health verdict for a US bank: capital adequacy, profitability, size, trend, and whether it is still open.","url":"https://loonie-toll.onrender.com/bank","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"],"type":"string"},"queryParams":{"type":"object","required":["name"],"properties":{"name":{"type":"string","description":"Bank name, or part of it"},"limit":{"type":"integer","description":"Max institutions to return, default 3"},"state":{"type":"string","description":"Two-letter state code to narrow the search"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"source":{"type":"string"},"reasons":{"type":"array","items":{"type":"string"}},"verdict":{"type":"string"},"bestMatch":{"type":"object","properties":{"asOf":{"type":"string"},"city":{"type":"string"},"name":{"type":"string"},"open":{"type":"boolean"},"state":{"type":"string"},"trend":{"type":"object","properties":{"sincePeriod":{"type":"string"},"overQuarters":{"type":"integer"},"assetChangePct":{"type":"number"},"capitalRatioChangePct":{"type":"number"}}},"website":{"type":"string"},"branches":{"type":"integer"},"closedOn":{"type":"null"},"fdicCert":{"type":"integer"},"charterClass":{"type":"string"},"establishedOn":{"type":"string"},"totalAssetsUsd":{"type":"integer"},"totalEquityUsd":{"type":"integer"},"totalDepositsUsd":{"type":"integer"},"returnOnAssetsPct":{"type":"number"},"returnOnEquityPct":{"type":"number"},"tier1RiskBasedCapitalRatioPct":{"type":"number"},"totalRiskBasedCapitalRatioPct":{"type":"number"}}},"disclaimer":{"type":"string"},"matchCount":{"type":"integer"},"retrievedAt":{"type":"string"},"institutions":{"type":"array","items":{"type":"object","properties":{"asOf":{"type":"string"},"city":{"type":"string"},"name":{"type":"string"},"open":{"type":"boolean"},"state":{"type":"string"},"trend":{"type":"object","properties":{"sincePeriod":{"type":"string"},"overQuarters":{"type":"integer"},"assetChangePct":{"type":"number"},"capitalRatioChangePct":{"type":"number"}}},"website":{"type":["null","string"]},"branches":{"type":["integer","null"]},"closedOn":{"type":["null","string"]},"fdicCert":{"type":"integer"},"charterClass":{"type":"string"},"establishedOn":{"type":"string"},"totalAssetsUsd":{"type":"integer"},"totalEquityUsd":{"type":"integer"},"totalDepositsUsd":{"type":"integer"},"returnOnAssetsPct":{"type":"number"},"returnOnEquityPct":{"type":"number"},"tier1RiskBasedCapitalRatioPct":{"type":"number"},"totalRiskBasedCapitalRatioPct":{"type":"number"}}}}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","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":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_eweez6o8wjok9M-_o3jmJ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a financial health verdict (PASS/FAIL/WARN) for a US bank, covering capital adequacy, profitability, size, trend, and open/closed status using FDIC data.","exampleAgentPrompt":"Can you check the financial health of Silicon Valley Bank in California and tell me if it's still open, well-capitalized, and whether its asset trend is improving?","exampleUseCases":[{"title":"Vetting a bank before large deposit","prompt":"I'm about to wire $500,000 to Heartland Bank in Missouri — can you pull up their financial health verdict, capital ratios, and confirm they're still open and in good standing?"},{"title":"Researching regional bank for business account","prompt":"We're choosing a bank for our company's operating account in Texas. Can you check the financial health, profitability, and size of Frost Bank so we can compare it against others?"},{"title":"Monitoring a bank after news of instability","prompt":"I saw a news story about First Republic Bank having trouble — can you look up their FDIC data, check if they're still open, and give me their capital adequacy and trend over recent quarters?"}],"resultDescription":"Returns a structured verdict (e.g. PASS, WARN, FAIL) with supporting reasons, plus detailed metrics for the best-matching institution: open/closed status, total assets, total deposits, total equity, return on assets, return on equity, tier 1 and total risk-based capital ratios, asset and capital trend over recent quarters, branch count, city/state, website, FDIC certificate number, charter class, and establishment date. Also returns a list of additional matching institutions if multiple results are found.","failureModes":["Bank name not found in FDIC database — returns empty match list or low-confidence match","Ambiguous bank name matches multiple institutions — returns top N results requiring user disambiguation","Bank data may be stale if FDIC has not yet published latest quarterly call report","State filter may exclude a bank headquartered in a different state than expected","Misspelled or informal bank names may fail to match — use official FDIC name for best results"],"whenToPreferThis":"Use this endpoint when you need a quick, structured financial health assessment of a specific US depository institution using FDIC regulatory data. It is best when you need capital adequacy ratios, profitability metrics, and open/closed status in a single call rather than scraping FDIC BankFind manually. Prefer this over generic web search when you need structured, machine-readable financial verdicts with trend data.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:49:07.126Z","isFirstParty":false}