Risk metrics for every FDIC-insured US bank (about 4,300 banks, latest 5 quarters), computed from public FDIC Call Report data. Built for AI agents and analysts: pay per call with x402 (USDC on Base). No signup, no API key, no subscription.
Metrics: uninsured deposit share, CRE concentration vs total risk-based capital, construction concentration, unrealized AFS/HTM securities losses vs tangible equity, HTM-adjusted tangible equity, loan-to-deposit, NIM, ROA, noncurrent loans, NPAs, capital ratios, and a transparent composite risk score.
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|---|---|---|
GET /v1/banks/{cert} | $0.01 | Full metrics + raw FDIC inputs + source URL + 5-quarter history |
GET /v1/banks/screen?metric=cre_concentration&top=25 | $0.02 | Rank all US banks by any metric (filters: state, min_assets_usd) |
GET /v1/banks/search?q=chase | free | Find FDIC cert numbers by name |
GET /v1/banks/sample | free | Full responses for 3 large banks |
GET /v1/free/banks/{cert} | free, 5/day | Trial of the paid lookup |
POST /mcp | tools free/paid | MCP server (streamable HTTP) with the same data |
Why trust it: every number ships with the exact FDIC input fields and a BankFind source URL you can re-query, so you can check it yourself. Formulas are public and versioned (methodology). Recomputed ratios are reconciled against FDIC-published ratios on every refresh (validation). You are only charged on successful (2xx) responses (terms).
Quick start for agents: read /llms.txt or /openapi.json. An unpaid request to a paid route returns HTTP 402 with a PAYMENT-REQUIRED header (x402 v2) and a v1-compatible JSON body.
curl https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/search?q=valley curl -i https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/9396 # 402 + payment requirements curl https://bank-risk-api.culturehub-kash.workers.dev/v1/free/banks/9396 # free trial
Browse every bank: /banks.
Data: FDIC BankFind Suite (public Call Report data). Derived metrics are informational only and are not investment, credit or legal advice. Open methodology v1.0.0. Terms & refunds · llms.txt · OpenAPI · x402