Bank M&A, Charter & Branch Monitor (Unofficial): FDIC Structure-Change Feed

Know the week a U.S. bank merges, opens, closes or changes. This Actor returns bank structure changes recorded by the FDIC, one row per event: mergers and acquisitions, new charters, bank failures, name changes, and branch openings, closings, sales and relocations. Each row names the institution with its FDIC certificate number, Federal Reserve RSSD ID, charter class and latest total assets, plus the acquirer and target for deals. Run it on a schedule with New since last run and each run returns only events you haven't seen.

Built for:

• Bank-technology vendors (core processors, digital banking, compliance and fintech partnership teams): a merger means a core conversion; a new charter needs every system; a name change means rebranding work.
• M&A advisors and bank-focused investors tracking consolidation by state and size.
• Branch real-estate brokers and facility vendors following openings, closings and relocations.
• AI agents and data teams. Clean JSON with no API key and no login.

Sample output

{
  "eventId": "h-880003_223_500300_2026-10-01_90003_",
  "eventType": "merger",
  "eventLabel": "Merger or acquisition",
  "changeCode": 223,
  "changeDescription": "Merger - Without Assistance",
  "effectiveDate": "2026-10-01",
  "processedDate": "2026-10-03",
  "institutionName": "Old River Bank",
  "fdicCert": 90003,
  "rssdId": "1000003",
  "charterClass": "SM",
  "charterClassDescription": "State-chartered bank, Federal Reserve member",
  "institutionState": "SC",
  "totalAssetsUsd": 410000000,
  "assetsReportDate": "2026-03-31",
  "city": "Greenville",
  "state": "SC",
  "acquirerName": "Harbor National Bank",
  "acquirerCert": 90004,
  "acquirerRssdId": "1000004",
  "acquirerTotalAssetsUsd": 5600000000,
  "targetName": "Old River Bank",
  "targetCert": 90003,
  "source": "FDIC BankFind Suite (unofficial)"
}

(Illustrative example with made-up banks; field list abbreviated.) Every row also carries sourceUrl, the bank's FDIC BankFind page. Branch events add the branch name, number, office type, and the branch's city, state and ZIP; relocations add where the office moved from; failures add the resolution type, assets and deposits at failure, the estimated loss and the winning bidder.

Results appear in four tabs: Bank events, Mergers & failures, Branch changes and Institution details, newest first.

Inputs

• What to fetch: the last N days (default 90), New since last run for a schedule, or a fixed date range.
• Event types: new charters, mergers and acquisitions, failures, name changes, branch openings, branch closings, office relocations and branch sales or purchases (all on by default), plus charter/class/regulator changes and other structure changes if you want them.
• Date used for the window: when the change took effect (default) or when FDIC recorded it.
• States: events in, or involving a bank, acquirer or target based in, these states.
• FDIC certificate numbers: a watchlist of up to 200 banks (as institution, acquirer or target). Lists over 40 are matched after download, so a wide window may need a higher "Max pages to scan".
• Minimum total assets ($ millions): skip small banks.
• Max events, a cursor name for separate scheduled feeds, max pages to scan, and an optional FDIC API key (not needed today).

Quick start: keep the defaults (all main event types in the last 90 days, 50 events) or add the states you cover, then click Start. For a recurring feed, choose New since last run, keep Days to look back at 30 or more, and schedule the Actor daily or weekly.

Pricing

Pay per event: you pay only for events returned.

Event	Free plan	Bronze	Silver	Gold
Bank event returned	$0.0048	$0.004	$0.0036	$0.0032

That's $3.20–$4.80 per 1,000 events, plus Apify's standard Actor start fee. Records removed by your filters, events already returned (in "New since last run"), duplicate merger records, the second record of a branch sale and runs that fail are not charged. The RSSD, charter-class and asset lookups are free. Set Max cost per run to cap spending; the Actor stops cleanly at the cap.

Integrations and API

Schedule it in Apify and send new events to Google Sheets, Slack, HubSpot, Salesforce, Make, Zapier or n8n through Apify's integrations, or call it from the Apify API. AI agents can use it through Apify's MCP server.

Limits

• Recording lag. FDIC records some changes days or weeks after they take effect. Use New since last run with a 30-day or longer look-back to catch late records once, or set Date used for the window to the processed date.
• Total assets are the latest reported figure for the institution (FDIC reports them quarterly, in thousands of dollars; this Actor converts to dollars). For a bank that merged away or failed, it is the last figure FDIC holds. Brand-new charters usually have none yet.
• Event types come from FDIC's change codes and descriptions. FDIC doesn't publish a code table, so the Actor maps the codes it knows and reads FDIC's description for the rest; every row keeps FDIC's original code and description. Mirror records FDIC books on the acquirer's side of a merger are skipped so each merger appears once.
• A run reads at most Max pages to scan pages of 1,000 FDIC records. Branch records are the most numerous; if the status message says the run stopped at the page limit, narrow the window, states or event types.
• Branch rows give city, state and ZIP only, not street addresses.
• FDIC doesn't currently require an API key. If that changes, add a free FDIC key under FDIC API key.

FAQ

Which row is "the institution" for a merger? FDIC books the merger on the bank that merged away, so institutionName is usually the target; acquirerName and targetName spell out both sides, each with its FDIC cert, RSSD ID and total assets.

Is a branch sale one row or two? One. FDIC can book a sale on both banks ("branch purchased" on the buyer, "branch sold" on the seller) under the same transaction; the Actor returns it once, with the buyer in acquirerName and the seller in targetName, and charges once. If only one side has been recorded so far, the other side is empty and the later record is not returned again in New since last run.

What is an RSSD ID? The Federal Reserve's ID for every bank and holding company. Use it with the FDIC cert to match banks to your CRM or to Federal Reserve data.

Does "New since last run" miss anything? It remembers every event it returned under the cursor name for the length of your look-back window, so late-recorded events still come through once.

Are people's names included? No. The Actor outputs institution facts only: names, IDs, charter, assets and city, state and ZIP. It never outputs officer or director names, street addresses, phone numbers or email addresses.

Data source and responsible use

Data comes from the FDIC BankFind Suite public API (institution history, institutions and failures), which needs no key. It is U.S. government data and in the public domain. The Actor identifies itself with a company name and contact email, keeps to two requests per second, and stops if the API signals throttling or refuses access. Output is limited to business-entity facts. This is an unofficial tool, not affiliated with or endorsed by the Federal Deposit Insurance Corporation (FDIC) or any other agency. Records are maintained by the FDIC and can contain errors or arrive late; check the FDIC's own BankFind page linked in each row before acting on an event.

Support

Found a bug or need a field? Open an issue on this Actor's Issues tab and we'll respond there.

Maintained by Saiber Operations LLC.