Bank & Credit Union Financial Health Monitor

Analyze the financial health of FDIC-insured banks and credit unions using official quarterly Call Report data from the FDIC BankFind Suite API. This actor retrieves key financial metrics including capital adequacy, asset quality, earnings performance, and deposit levels for any institution in the FDIC database.

What data does this actor extract?

For each bank or financial institution record, the actor provides:

• FDIC Certificate Number -- unique identifier assigned by the FDIC
• Institution Name -- official registered name of the bank or credit union
• Location -- city and state of the institution's headquarters
• Total Assets -- total asset value in thousands of USD
• Total Deposits -- total deposit value in thousands of USD
• Net Income -- net income figure in thousands of USD
• Return on Assets (ROA) -- profitability ratio showing earnings relative to total assets
• Return on Equity (ROE) -- profitability ratio showing earnings relative to shareholder equity
• Report Date -- quarterly reporting period for the financial data
• Direct URL -- link to the FDIC institution detail page

Use cases

Fintech Partner Evaluation: Fintech companies that rely on banking partners for deposit accounts, payment processing, or lending infrastructure can use this actor to monitor the financial stability of their partner banks. Tracking ROA, ROE, and asset trends over time helps identify potential risks before they impact business operations.

Depositor Risk Assessment: Large depositors, corporate treasury teams, and institutional cash managers can evaluate the financial health of banks holding their deposits. By comparing capital adequacy ratios and profitability metrics across institutions, they can make more informed decisions about deposit allocation and concentration risk.

Bank M&A Analysis: Investment banks, private equity firms, and strategic acquirers evaluating bank mergers and acquisitions can use quarterly financial data to assess target institutions. Historical trends in assets, deposits, income, and efficiency ratios provide the quantitative foundation for valuation models and due diligence reports.

Credit Union Benchmarking: Credit union management and board members can benchmark their institution's financial performance against peer institutions. Comparing ROA, ROE, asset growth, and deposit trends across similar-sized institutions in the same state or region reveals competitive positioning and areas for improvement.

Regulatory and Compliance Monitoring: Compliance teams and regulatory analysts can track financial health indicators across portfolios of supervised institutions. Deteriorating metrics such as declining ROA or shrinking asset bases can serve as early warning signals that warrant deeper investigation.

How to use

1. Enter a Bank Name for partial-match searching (e.g., "Chase", "Wells Fargo")
2. Optionally filter by State (e.g., "New York", "California")
3. Or provide an FDIC Certificate Number for direct lookup of a specific institution's financial history
4. Set Max Results to control the number of records returned (default: 100, max: 2000)

When searching by certificate number, the actor returns up to 8 quarters of historical financial data for that specific institution. When searching by name or state, it returns the latest snapshot for each matching institution.

Example input

{
  "bankName": "chase",
  "maxResults": 50
}

Example output

{
  "source": "FDIC",
  "certNumber": "628",
  "institutionName": "JPMorgan Chase Bank, National Association",
  "city": "Columbus",
  "state": "Ohio",
  "totalAssets": 3386973000,
  "totalDeposits": 2440722000,
  "netIncome": 14299000,
  "returnOnAssets": 1.21,
  "returnOnEquity": 15.83,
  "reportDate": "2024-06-30",
  "url": "https://www7.fdic.gov/idasp/advSearchLanding.asp?ESSION=628",
  "scrapedAt": "2025-01-15T10:30:00.000Z"
}

Pricing

• $0.35 per actor start
• $0.03 per result record

A typical run searching 100 records costs approximately $3.35.