# Is My Bank Safe? US Bank Health Check (FDIC Data) (`centorprat/us-bank-health-check`) Actor

Give US bank names or FDIC CERT numbers. Reads the keyless official FDIC data into a health brief: capital adequacy (risk-based capital ratio), profitability (ROA/ROE), deposit trend (outflow/stress signal) and a health band with findings. Signals, not advice. Read-only, agent-callable.

- **URL**: https://apify.com/centorprat/us-bank-health-check.md
- **Developed by:** [Centor Prat](https://apify.com/centorprat) (community)
- **Categories:** Developer tools
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

from $17.00 / 1,000 bank checkeds

This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events.
Since this Actor supports Apify Store discounts, the price gets lower the higher subscription plan you have.

Learn more: https://docs.apify.com/actors/running/actors-in-store.md#pay-per-event

## What's an Apify Actor?

An Actor is a serverless cloud program that runs on the Apify platform. It has two run modes.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.

Apify vocabulary and the platform model are defined once, in the agent quickstart at https://apify.com/agents.md.

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.

Do not guess an integration path. Every one of them is in the agent quickstart at https://apify.com/agents.md: the Apify MCP server, Agent Skills with the Apify CLI, the JavaScript and Python clients, the REST API, and the account-free path for an agent with no human to sign in. It also carries the rule on stating cost before the first paid run.

For examples already wired to this Actor's own input schema, see the [API](#api) section below.

Each client library has reference documentation the quickstart does not restate: [JavaScript/TypeScript](https://docs.apify.com/api/client/js/docs.md) (`npm install apify-client`) and [Python](https://docs.apify.com/api/client/python/docs.md) (`pip install apify-client`).

# README

## 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**

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

### Output

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

```json
{
  "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](https://apify.com/centorprat/us-bank-health-check/examples/is-my-bank-safe)

### 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](https://apify.com/centorprat/economy-health-market-pulse)
- [World Bank Country Economic Data](https://apify.com/centorprat/world-bank-country-economic-data)
- [Sanctions & Watchlist Screening](https://apify.com/centorprat/sanctions-watchlist-screening)

# Actor input Schema

## `banks` (type: `array`):

Bank names (e.g. "JPMorgan Chase", "PNC Bank") or FDIC CERT numbers. One health brief per bank.

## `webhookUrl` (type: `string`):

If set, the finished health briefs are POSTed here as JSON when the run completes.

## Actor input object example

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

# Actor output Schema

## `banks` (type: `string`):

One brief per bank: assets/deposits/equity, total risk-based capital ratio + equity/assets, ROA/ROE/net income, deposit change QoQ and YoY (outflow/stress signal), a health score + band and findings. Official FDIC call-report data.

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "banks": [
        "JPMorgan Chase",
        "Bank of America"
    ]
};

// Run the Actor and wait for it to finish
const run = await client.actor("centorprat/us-bank-health-check").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = { "banks": [
        "JPMorgan Chase",
        "Bank of America",
    ] }

# Run the Actor and wait for it to finish
run = client.actor("centorprat/us-bank-health-check").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print(f"💾 Check your data here: https://console.apify.com/storage/datasets/{run.default_dataset_id}")
for item in client.dataset(run.default_dataset_id).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "banks": [
    "JPMorgan Chase",
    "Bank of America"
  ]
}' |
apify call centorprat/us-bank-health-check --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "type": "http",
            "url": "https://mcp.apify.com/?tools=fetch-actor-details,centorprat/us-bank-health-check"
        }
    }
}
```

The hosted server signs you in with OAuth on first connect, so no API token belongs in this config. Clients without OAuth support can send an `Authorization: Bearer <APIFY_API_TOKEN>` header instead, using a token from API & Integrations in Apify Console (https://console.apify.com/settings/integrations).

## OpenAPI specification

Download the OpenAPI definition: https://api.apify.com/v2/actors/YGrOAtUQ6ywmDHxGv/builds/isMOvCswlY4A4boSd/openapi.json