FDIC Bank Mergers, Failures & Branch Changes Feed

A daily event feed of every structural change to US banks, thrifts and credit unions, straight from the official FDIC BankFind Suite API (api.fdic.gov, public domain). Bank mergers, failures, branch purchase deals, de novo charters, name, charter and regulator changes, plus (optionally) branch openings, closings, relocations and sales. Each event comes decoded and enriched: acquirer, total assets and deposits, Federal Reserve RSSD ID, holding company and a link to the FDIC BankFind page.

Other FDIC Actors on the Store let you look up one bank. This one tells you what changed this week across all 4,000+ banks.

Who uses it

• Bank and fintech business development: banking-as-a-service, core processors, card, payments and lending fintechs, and vendors selling to community banks. A merger means a core conversion and vendor reviews. A name or charter change means a rebrand. A de novo bank needs everything. A branch purchase means new markets.
• M&A watchers, investors and analysts: completed deals with both sides' assets and deposits, and branch divestitures (who bought how many branches from whom).
• Compliance, KYC and vendor risk: keep bank counterparty lists, routing/correspondent files and approved-bank lists current. Catch failures, regulator changes and charter conversions as FDIC records them.
• Commercial real estate and local market research: branch openings and closings by city and state.

What you get (one record per event)

Field	Example
eventType	merger, failure, branch-purchase-deal, new-institution, name-change, charter-change, regulator-change, branch-opening, branch-closing, ...
changeCode, changeDescription	223, "Merger -Without Assistance" (FDIC's own code and text)
changeSummary	"First Seacoast Bank (Dover, NH) -> Cambridge Savings Bank"
effectiveDate, processDate	2026-10-01, 2026-10-29
institutionName, cert, rssdId, city, state	The bank the event happened to (the target in a merger or failure, the seller in a branch deal)
institutionClass, primaryRegulator, charterAgency, previousName, previousRegulator, previousClass	Before and after, where relevant
acquirerName, acquirerCert, acquirerCity, acquirerState, acquirerRssdId, acquirerTotalAssetsUsd, acquirerHoldingCompany	For mergers, failures and branch deals
branchesInDeal	138 (branch purchase deals)
branchName, branchNumber, branchCity, branchState, branchCounty, branchServiceType, previousBranchCity	Branch events only. City-level location; no street addresses
totalAssetsUsd, totalDepositsUsd, financialsAsOf, holdingCompany, website, institutionActive	Latest FDIC call report (in USD, not thousands)
failureEstimatedLossUsd, failureResolutionType	Failures (from FDIC's failed-bank list, when available)
fdicUrl, acquirerFdicUrl	BankFind pages
isCreditUnion, ncuaCharterNumber	Credit unions use NCUA numbers, so they are never linked or enriched as FDIC certs
fdicTransactionNumber, fdicRecordId, firstSeenAt	Traceability and dedupe

See sample-output.json for full examples (merger, branch deal, failure, branch opening, name change).

Quick start

• Default run ({}): the 30 most recent institution-level events FDIC processed in the last 30 days, newest first, in about 2 seconds. No branch noise.
• M&A desk: {"eventTypes": ["merger", "branch-purchase-deal", "failure"], "minAssets": 1000, "daysBack": 90}. Deals where either side has $1B+ in assets.
• Local branch tracker: {"eventTypes": ["branch-opening", "branch-closing"], "states": ["TX", "CO"], "maxItems": 200}
• Daily schedule: {"mode": "sinceLastRun", "includeBranchEvents": true, "maxItems": 1000, "stateKey": "all-us"}. Each event is delivered once.

Input

Field	Default	Notes
mode	window	window = stateless lookback. sinceLastRun = only events not delivered before (per stateKey), for schedules
eventTypes	all institution-level types	Slugs listed above, or raw FDIC change codes (223, 711). Mirror records (merger-participant, branch-sale-deal, branch-sold) are opt-in because they duplicate the main event from the other side
includeBranchEvents	false	Adds branch openings, closings, relocations, name changes, purchases and merger take-overs (~500-700/month nationwide)
states	all	2-letter codes. Matches institution, acquirer or branch state
minAssets	none	USD millions. The institution OR the acquirer must meet it
daysBack	30	By FDIC process date. An empty window is widened to 60, 120 and then 365 days (autoExtend)
includeCreditUnions	true	FDIC structure data also covers credit unions
maxItems	30	Hard cap on delivered events and on spend

Event types and FDIC change codes

eventType	FDIC codes
merger	221 absorption, 222 consolidation, 223 merger, 225 partial P&A (all unassisted)
failure	211 whole-bank failure, 213 assisted merger, 215, 216 bridge bank, 217, 230 payoff, 235, 260
new-institution	110
voluntary-closing	240
corporate-reorganization	224 affiliate merger, 820 interim (phantom) reorganization
name-change / relocation	510 / 520 (institution level)
charter-change	150, 420 charter agency, 430 class, 440 organization type
regulator-change	310 / 320 / 340 Fed membership, 470 primary regulator
insurance-change, trust-powers, conservatorship	410; 610; 350, 360, 830
branch-purchase-deal (deal level)	712
branch-opening, branch-closing, branch-relocation, branch-name-change	711, 721, 520, 510 (branch level)
branch-purchased, branch-acquired-in-merger, branch-sold	712, 713, 722/724 (branch level)

Codes and descriptions were checked against the live /banks/history index (CHANGECODE / CHANGECODE_DESC).

How it works

1. Queries api.fdic.gov/banks/history by process date and change code (paged, 1,000 per call).
2. Decodes each record. For mergers and failures, FDIC puts the target in OUT_*, the buyer in ACQ_* and the survivor in SUR_*; the Actor maps these to institution and acquirer.
3. Enriches both sides from /banks/institutions (RSSD, assets, deposits, holding company, website) in batches of 100, and failures from /banks/failures (estimated loss, resolution type, last pre-failure assets and deposits).
4. Applies the state, asset and credit-union filters, then delivers results within your max run charge.

A run summary (window, filters, counts, API calls, why it stopped) is saved to the OUTPUT key-value record.

Notes and limits

• Process date vs effective date: FDIC often records a change days or weeks after it takes effect, and sometimes years later for data clean-ups. The window uses process date, so you see each change when it becomes public in FDIC data.
• FDIC refreshes BankFind data about daily. The failed-bank list (/banks/failures) is updated less often, so a very recent failure may not have loss estimates yet.
• Credit unions have no FDIC financials, so minAssets drops them.
• Branch locations are city/state level only.
• Source: FDIC BankFind Suite API, US government public data. This Actor is not affiliated with or endorsed by the FDIC.

Pricing

Pay per event: a small fee per run start, plus a fee per delivered event record. See the Pricing tab. The default run costs a few cents.