{"uid":"cap_x4DjzEbfZzDulay30KNc0","slug":"bankhealth-verdict-f7bd76ff","name":"bankhealth-verdict","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://payai.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_wQFLJorT17Y08WeCXHQyf","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 financial proxy metrics for a US FDIC-insured bank using public call-report data.","exampleAgentPrompt":"What's the financial health score and letter grade for JPMorgan Chase — look it up by name and give me the capital ratios, Texas-ratio proxy, and ROA trend from the latest call report data.","exampleUseCases":[{"title":"Pre-investment bank due diligence","prompt":"I'm considering putting money in Silvergate Bank — can you get me a health score, letter grade, and the key metrics like capital ratios and uninsured deposit exposure from their FDIC call report data?"},{"title":"Community bank safety check","prompt":"My parents bank at First Bank of Missouri — can you check whether it's financially healthy and give me an A-F grade and the Texas-ratio proxy so I know if there's any risk?"},{"title":"Fintech partner bank vetting","prompt":"We're evaluating Blue Ridge Bank as a banking-as-a-service partner — pull its FDIC health verdict including capital ratios, ROA trend, and overall score so we can assess counterparty risk."}],"resultDescription":"A JSON response containing: a 0-100 composite health score (higher = healthier), an A-F letter grade, computed proxy metrics (Tier 1 capital ratio, Texas-ratio proxy, uninsured deposit exposure percentage, ROA trend), per-dimension signals for each metric, and the grounding reporting date from FDIC call-report filings. All metrics are deterministic computations, not LLM-generated.","failureModes":["Bank name not found or ambiguous — returns error suggesting use of FDIC cert number instead","FDIC cert number not recognized — returns not-found error","State filter too narrow causing no match — returns empty result","Bank is not FDIC-insured (e.g. credit union or foreign bank) — returns out-of-scope error","Stale call-report data if FDIC has not yet published the latest filing period","Network or payment (x402) failure before response is returned"],"whenToPreferThis":"Use this endpoint when you need a fast, deterministic financial health assessment for a specific US FDIC-insured bank without building your own call-report parsing pipeline. Prefer it over general news sentiment when you want quantitative proxy metrics grounded to regulatory filings. It is especially useful for due diligence on community or regional banks where third-party ratings are unavailable. If you have the FDIC certificate number, use it for unambiguous lookup; otherwise the bank name with optional state code works. This is not a substitute for full CAMELS ratings or professional financial advice.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:56:23.660Z","isFirstParty":false}