Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ Rollup

A bank financial-health API that turns raw regulatory call-report data into a decision-ready rollup. It pulls US FDIC-insured banks (NCUA credit unions in v1.1) into ONE normalized schema and adds the transform layer buyers actually want: quarter-over-quarter (QoQ) asset & deposit deltas, peer-percentile scoring within a state or asset-size band, and derived health flags (deposit outflow, low ROA, rising NPL, thin capital). The raw numbers are public but flat — this actor builds the analytics on top.

Who it's for

• Bank & credit-union business development / correspondent teams sizing and ranking institutions in a market.
• Fintech & BaaS partnership teams screening sponsor-bank health before signing.
• Deposit brokers & treasury desks watching quarter-over-quarter deposit flows.
• Bank M&A, investors, and analysts building peer comps by state / asset band.
• AI agents needing a clean "bank financial health" lookup + scoring tool.

What it does

Fetches the current-quarter cohort from the keyless FDIC BankFind API, normalizes every institution to a stable snake_case record, computes QoQ deltas against the prior quarter (from the FDIC /financials history, or against your own priorItems), ranks each institution by peer percentile (assets and ROA) within the returned cohort, and derives plain-language health flags. One row per institution = one result.

Modes

• snapshot — current-quarter cohort (by state / asset band) with peer percentiles.
• delta — quarter-over-quarter asset & deposit change vs the prior quarter (or vs your priorItems), ranked by the biggest deposit move.
• score — current cohort ranked by peer asset percentile (peer-comp view).

Example input

{
  "state": "CA",
  "institutionType": "bank",
  "mode": "delta",
  "minAssets": 250000,
  "maxAssets": 0,
  "maxResults": 500
}

(FDIC reports assets in $000s, so minAssets: 250000 = $250M. Set state for a focused run and state-level peer scoring.)

Output (per institution)

institution_type, id, id_scheme, name, city, state, total_assets, total_deposits, equity, roa, roe, net_interest_margin, asset_quality_ratio, report_date, prior_report_date, prior_period_assets, prior_period_deposits, qoq_asset_change_pct, qoq_deposit_change_pct, peer_asset_percentile, peer_roa_percentile, health_flags[], source_url, retrieved_at.

Dollar figures are in thousands (FDIC convention). net_interest_margin and asset_quality_ratio are populated in delta mode (they come from the FDIC /financials history endpoint).

Health flags

deposit_outflow (QoQ deposits down), asset_decline (QoQ assets down), low_roa, negative_roa, negative_roe, elevated_npl (asset-quality ratio high), rising_npl (asset quality worsening QoQ), thin_capital (equity/assets under 8%).

Use as an MCP tool

Available to AI agents via mcp.apify.com as a "bank financial health" tool — pass a state / type / mode, get normalized, scored institution records back. The field-level output descriptions make it a clean, chainable tool for agent workflows (e.g. screen a market, then hand the flagged institutions to another step).

FAQ

Is it keyless? Yes — the FDIC BankFind API (banks.data.fdic.gov) needs no API key. Where does the data come from? Official FDIC institution + quarterly financial call-report data. Credit-union (NCUA 5300) coverage ships in v1.1. How current is it? As of the latest FDIC quarter-end published (see report_date). Are credit unions included? Not yet — institutionType: "credit_union" is scaffolded and returns a notice; NCUA support is coming in v1.1. Why are assets so large? FDIC reports assets/deposits in thousands of dollars. Can I diff two runs myself? Yes — pass a prior run's rows as priorItems in delta mode.

Source

US FDIC BankFind APIs — banks.data.fdic.gov/api/institutions (snapshot) and banks.data.fdic.gov/api/financials (quarterly history). Official, keyless, no anti-bot.

Pricing (Pay Per Result)

Billed per institution-health record returned. Empty cohorts cost nothing beyond the tiny actor start.