FDIC Bank Financials: Certificate Quarter Windows

Get the newest report dates the FDIC BankFind financials API currently returns for a watchlist of FDIC certificate numbers, one dataset row per bank. Each row holds the raw ASSET, DEP and NETINC values for up to 20 report dates, how many report dates the FDIC holds for that bank, and the exact source URL with the SHA-256 of its response. It is meant for weekly refreshes of a bank portfolio after quarterly reporting, without maintaining FDIC API code yourself.

This is a raw-field extraction. It is not branch history, an authorization or insurance check, investment advice, a credit view or a safety score, and it computes no ratios, growth rates or single-quarter profit. This actor is independent of the FDIC and not endorsed by it.

Input

{
    "certificates": ["3510", "628"],
    "periods": 4,
    "maxItems": 100
}

• certificates: 1 to 20 FDIC certificate numbers (CERT) as digit strings. Surrounding spaces and leading zeros are removed; the result must be a nonzero number of at most 9 digits. Duplicates collapse to the first occurrence and are fetched and billed once. Default ["3510"]. Find a bank's certificate on FDIC BankFind.
• periods: how many of the newest report dates to return per bank, 1 to 20. Default 4. "Newest" means the newest the API returns right now, not a promise about the current calendar quarter.
• maxItems: stop after this many rows are stored, 1 to 100. Default 100. With at most 20 unique certificates, 20 rows is the real maximum per run.

Unknown fields, wrong types and out-of-range values fail the run before any source request, with the reason in SUMMARY.

Output

One row per found certificate, in input order:

{
    "schemaVersion": 1,
    "recordId": "fdic-financial-window:3510:4",
    "deliveryId": "43535bd425710bbf62151371fb25c554dae5c38259d56e9e5747da8e6493d9fe",
    "observedAt": "2026-10-22T21:37:29.561Z",
    "contentHash": "2c44203b396dc0cfa9974b40ee3e2b4089fe3b76587f240f70d7a0d3f6feac83",
    "provenance": [
        {
            "url": "https://api.fdic.gov/banks/financials?filters=CERT%3A3510&fields=CERT%2CREPDTE%2CASSET%2CDEP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4&offset=0&format=json",
            "sha256": "d50267665b365b27000f4b14c1f29868da8e37f766b03ae18942622dbcc7f304"
        }
    ],
    "certificate": "3510",
    "requestedPeriods": 4,
    "sourceTotalAvailable": 170,
    "completeHistory": false,
    "amountEncoding": "raw_FDIC_numeric_no_conversion",
    "financials": [
        {
            "sourceId": "3510_20260630",
            "reportDate": "2026-06-30",
            "ASSET": 2654645000,
            "DEP": 2121804000,
            "NETINC": 14947000
        },
        {
            "sourceId": "3510_20260331",
            "reportDate": "2026-03-31",
            "ASSET": 2672192000,
            "DEP": 2128004000,
            "NETINC": 7417000
        },
        {
            "sourceId": "3510_20251231",
            "reportDate": "2025-12-31",
            "ASSET": 2636823000,
            "DEP": 2101968000,
            "NETINC": 30380000
        },
        {
            "sourceId": "3510_20250930",
            "reportDate": "2025-09-30",
            "ASSET": 2651090000,
            "DEP": 2094732000,
            "NETINC": 22536000
        }
    ]
}

• financials is sorted newest first. reportDate is the FDIC REPDTE written as YYYY-MM-DD, with no time zone. sourceId is the FDIC record ID.
• ASSET, DEP and NETINC are the exact numbers the API returned, or null when the source omits them. Nothing is multiplied, rounded, converted or annualized. The FDIC field dictionary does not state one unit for these three fields, so the row says raw_FDIC_numeric_no_conversion instead of claiming dollars. NETINC is kept as reported; it is not asserted to be a single quarter's income, so do not subtract periods from it.
• sourceTotalAvailable is the number of report dates the FDIC holds for the bank. completeHistory is true only when that number is at most periods.
• recordId is stable across runs for the same certificate and window size. contentHash is the SHA-256 of the bank payload (keys sorted, compact JSON), so a corrected value changes it and an unchanged repeat keeps it. deliveryId identifies this run's delivery of the row. observedAt is when the source response finished.

A row is all or nothing: if any report date in a bank's window fails validation (wrong certificate or ID, a date that is not a quarter end, out-of-order or conflicting duplicate dates, a number sent as text, an integer too large to keep exactly, or a report date with all three amounts missing), that bank gets no row and the reason goes to SUMMARY. A bank with fewer rows than the FDIC says it holds is reported as incomplete, not delivered short.

Export the dataset as JSON, CSV or Excel from the run's Storage tab or the API.

Run summary (free)

Every run writes a SUMMARY record to its key-value store, also on failure: run status (complete, partial, failed or capped), the resolved input, request, byte and row counts, and one outcome per certificate (delivered, empty, missing, error or not_attempted) with an error code, HTTP status and warnings. A certificate the FDIC has no record for is empty; that says nothing about whether the bank is open, closed, insured or deleted. The FDIC dataset name and creation time are kept in the warnings as freshness context; they are not bank filing dates. When a cap stops the run, firstUndeliveredKey names the first certificate left undelivered, so you can rerun from there.

Pricing

Pay per event, with platform usage included:

• $0.00005 per Actor start (one start unit at the default 256 MB).
• $0.002 per bank row stored in the dataset, including unchanged repeats.

Ten banks cost $0.02005 in events per run; twenty banks, the maximum, $0.04005. Not-found banks, errors, incomplete windows and the SUMMARY record are free; a run that delivers no rows costs only the start fee. Every run fetches fresh data and bills its rows again, even when nothing changed.

Limits and behaviour

• One anonymous HTTPS GET per certificate to https://api.fdic.gov/banks/financials with a fixed query; no key, login, cookies, browser or proxy. Requests are sequential with at least 1.2 seconds between them.
• Timeouts, connection resets and 5xx responses are retried twice (2 s, then 5 s, or longer if the source asks with Retry-After, up to 60 s). A 403, 429, challenge page or HTML instead of JSON stops all further requests for the run without retry. Two banks in a row failing after retries also stop the run.
• Per run: 100 HTTP attempts, 4 MiB per response, 16 MiB of responses in total, 300 seconds of work.
• No paging, history backfill, company-name search or saved state between runs. Rows already stored stay valid when a later bank fails; the summary then says partial.
• The FDIC labels this API beta and publishes no service level or publication schedule.

Support

Open an issue on the Actor's Issues tab. Source documentation: FDIC BankFind API and its field dictionary.