# FDIC bank stress screen: uninsured deposits & CRE risk

**Use case:** 

Screen FDIC banks on uninsured deposits >50%, unrealized losses >100% of equity and CRE >300% of Tier 1 — derived from call reports, most-flagged first.

## Input

```json
{
  "state": "CA",
  "institutionType": "bank",
  "mode": "stress",
  "peerBasis": "business_line",
  "benchmark": "national",
  "creGrowth": true,
  "minAssets": 250000,
  "maxAssets": 0,
  "priorItems": [],
  "maxResults": 500
}
```

## Output

```json
{
  "name": {
    "label": "Name",
    "format": "string"
  },
  "state": {
    "label": "State",
    "format": "string"
  },
  "city": {
    "label": "City",
    "format": "string"
  },
  "total_assets": {
    "label": "Total assets ($000s)",
    "format": "number"
  },
  "total_deposits": {
    "label": "Total deposits ($000s)",
    "format": "number"
  },
  "qoq_deposit_change_pct": {
    "label": "QoQ deposit change (%)",
    "format": "number"
  },
  "uninsured_deposit_ratio": {
    "label": "Uninsured deposit ratio (%)",
    "format": "number"
  },
  "uninsured_vs_benchmark_pts": {
    "label": "Uninsured vs benchmark pts",
    "format": "number"
  },
  "unrealized_loss_to_equity_pct": {
    "label": "Unrealized loss / equity (%)",
    "format": "number"
  },
  "cre_to_tier1_pct": {
    "label": "CRE / Tier 1 capital (%)",
    "format": "number"
  },
  "cre_growth_36m_pct": {
    "label": "Cre growth 36m pct",
    "format": "number"
  },
  "pca_capital_category": {
    "label": "PCA capital category",
    "format": "string"
  },
  "leverage_ratio": {
    "label": "Leverage ratio (%)",
    "format": "number"
  },
  "roa": {
    "label": "Return on assets (%)",
    "format": "number"
  },
  "net_interest_margin": {
    "label": "Net interest margin (%)",
    "format": "number"
  },
  "asset_quality_ratio": {
    "label": "Asset quality ratio (%)",
    "format": "number"
  },
  "efficiency_ratio": {
    "label": "Efficiency ratio (%)",
    "format": "number"
  },
  "peer_asset_percentile": {
    "label": "Peer asset percentile",
    "format": "number"
  },
  "peer_roa_percentile": {
    "label": "Peer ROA percentile",
    "format": "number"
  },
  "health_flags": {
    "label": "Health flags",
    "format": "array"
  },
  "peer_group_label": {
    "label": "Peer group label",
    "format": "string"
  },
  "report_date": {
    "label": "Report date (quarter)",
    "format": "string"
  }
}
```

## About this Actor

This example demonstrates how to use [Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ](https://apify.com/malonestar/fdic-ncua-health-rollup) with a specific input configuration. Visit the [Actor detail page](https://apify.com/malonestar/fdic-ncua-health-rollup) to learn more, explore other use cases, and run it yourself.