US Bank Health Check — FDIC Capital, Deposits & Risk

Check how sound a US bank is — from the regulator's own data. Give bank names (or FDIC CERT numbers) and each gets a health brief built from the keyless official FDIC call-report data: capital adequacy (risk-based capital ratio vs the well-capitalized line), profitability (ROA/ROE), size, and the deposit trend quarter-over-quarter — the classic stress/run signal — rolled into a health score, band and findings. Read-only, keyless, agent-callable.

For depositors and treasurers checking where their money sits, counterparty/vendor due diligence, journalists, and AI agents doing bank DD.

Official FDIC regulatory data presented as signals to review — not a prediction that a bank will fail and not financial or deposit advice. US FDIC-insured institutions only.

What it does

• Resolves the bank (by name or FDIC CERT) and pulls its recent quarterly call reports.
• Computes and classifies:
  • Capital adequacy — total risk-based capital ratio vs the 10% well-capitalized / 8% adequately-capitalized regulatory lines, plus equity/assets leverage.
  • Profitability — ROA, ROE, net income.
  • Deposit trend — change QoQ and YoY; a sustained deposit outflow is the signal that preceded recent bank failures.
• Rolls it into a health score (0–100) and band: healthy / watch / weak / distressed, with findings.

Field	Meaning
assetsBillion / depositsBillion / equityBillion	size
totalCapitalRatioPct / equityToAssetsPct	capital adequacy + leverage
roaPct / roePct / netIncomeBillion	profitability
depositChangeQoQPct / depositChangeYoYPct	deposit trend (stress signal)
healthScore / healthBand / findings[]	the composite read

Why not just ask an AI agent?

An agent can recite that a bank exists. It can't pull the latest FDIC call reports, compute the capital ratio against the regulatory line, and measure deposit flight across quarters — consistently, for a batch of banks. That regulator-grade computation is the value here.

Input

Field	Type	Required	Description
banks	array of strings	✅	US bank names or FDIC CERT numbers.
webhookUrl	string		POST the briefs here as JSON.

Example input

{ "banks": ["JPMorgan Chase", "Bank of America"] }

Output

One record per bank. Example (real FDIC data, trimmed):

{
  "bankName": "JPMorgan Chase Bank, National Association",
  "cert": 628,
  "healthBand": "healthy",
  "healthScore": 100,
  "assetsBillion": 4091.315,
  "depositsBillion": 2820.284,
  "totalCapitalRatioPct": 16.21,
  "equityToAssetsPct": 8.35,
  "roaPct": 1.585, "roePct": 18.55,
  "depositChangeQoQPct": 1.16, "depositChangeYoYPct": 5.66,
  "findings": [
    {"severity": "ok", "detail": "Well-capitalized: total capital ratio 16.2% (>=10%)."},
    {"severity": "ok", "detail": "Profitable: ROA 1.58%, ROE 18.6%."}
  ]
}

A stressed bank surfaces weak/distressed with findings like a sub-10% capital ratio, a net loss, or a double-digit deposit outflow.

Use cases

• Where's my money? — check your own bank's capital and deposit trend.
• Counterparty DD — vet a bank before a deposit, loan participation or vendor relationship.
• Watchlist — batch-check a set of regional banks each quarter.
• AI agents — a structured bank-soundness brief to gate a decision.

Ready-made tasks

• Is My Bank Safe? FDIC Health Check

For AI agents / MCP

https://mcp.apify.com/?tools=actors,docs,centorprat/us-bank-health-check

Loads as centorprat--us-bank-health-check. Claude Code:

claude mcp add apify -- npx -y @apify/actors-mcp-server --actors centorprat/us-bank-health-check

FAQ

Where does the data come from? The FDIC BankFind Suite API — the US regulator's official call-report data. Keyless.

Which banks? US FDIC-insured institutions. Pass the name or the FDIC CERT number (CERT is exact).

Does "distressed" mean it's failing? No. It means several regulatory metrics are weak — a signal to look closer, not a prediction or advice. Your deposits up to the FDIC limit are insured regardless.

What's the deposit-trend signal? A sharp drop in deposits (a "run") can precede trouble; the brief reports QoQ and YoY change so you see it.

How current is it? As current as the latest quarterly call report the FDIC has published.

How fast / how much? A few seconds. Pay-per-event, one charge per bank checked.

Data & attribution

Official data via the keyless FDIC BankFind Suite API. No keys, no personal data. Signals, not financial or deposit advice.

Related actors

• Economy Health & Market Pulse
• World Bank Country Economic Data
• Sanctions & Watchlist Screening