# US Bank Risk Metrics

> Pay-per-call API (x402, USDC on Base, no signup or API key) with risk metrics for every FDIC-insured US bank, computed from FDIC Call Report data. Each response includes the raw FDIC inputs and a source URL, so the values can be checked independently.

Latest FDIC report date: 2026-06-30. Banks: 4313. Methodology v1.0.0.

## Try free first
- `GET https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/sample`: full responses for 3 large banks
- `GET https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/search?q=<name>`: find FDIC cert numbers
- `GET https://bank-risk-api.culturehub-kash.workers.dev/v1/free/banks/<cert>`: free trial of the paid lookup (5/day/IP)

## Paid endpoints (x402 v2 `exact`, network eip155:8453, USDC)
- `GET https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/<cert>`: $0.01 per call. Full metrics, raw inputs, provenance, 5-quarter history.
- `GET https://bank-risk-api.culturehub-kash.workers.dev/v1/banks/screen?metric=<id>&top=<1-100>&order=desc|asc&state=<State>&min_assets_usd=<n>`: $0.02 per call. Ranks all banks.
An unpaid request returns HTTP 402 with a base64 `PAYMENT-REQUIRED` header (v2) and an x402 v1 JSON body. Sign the payment with an x402 client, then retry with `PAYMENT-SIGNATURE` (v2) or `X-PAYMENT` (v1). **Only 2xx responses are settled.** Errors never charge.

## Metrics (screenable)
- `risk_score`: Composite risk score 0-100 (higher = riskier)
- `uninsured_deposit_share`: Estimated uninsured domestic deposits / domestic deposits, %
- `cre_concentration`: Regulatory-style CRE loans / total risk-based capital, %
- `construction_concentration`: Construction & land development loans / total risk-based capital, %
- `unrealized_loss_to_tangible_equity`: Unrealized AFS+HTM securities losses / tangible equity, %
- `htm_adjusted_tangible_equity_ratio`: (Tangible equity - HTM unrealized loss) / tangible assets, %
- `loan_to_deposit`: Net loans & leases / total deposits, %
- `noncurrent_loan_ratio`: Noncurrent loans & leases / gross loans & leases, %
- `npa_to_assets`: (Noncurrent loans + other real estate owned) / total assets, %
- `nim`: Net interest margin, % (FDIC-published, YTD annualized)
- `roa`: Return on assets, % (FDIC-published, YTD annualized)
- `total_rbc_ratio`: Total risk-based capital ratio, % (FDIC-published)
- `leverage_ratio`: Tier 1 leverage ratio, % (FDIC-published)
- `total_assets_usd`: Total assets, USD

## MCP
Streamable HTTP MCP server at `https://bank-risk-api.culturehub-kash.workers.dev/mcp`. Tools: search_banks (free), get_sample (free), get_methodology (free), get_bank_metrics ($0.01), screen_banks ($0.02). Paid tools follow the x402 MCP transport: the first call returns PaymentRequired in `structuredContent`; retry with `params._meta["x402/payment"]`.

## Docs
- OpenAPI: https://bank-risk-api.culturehub-kash.workers.dev/openapi.json
- Methodology (exact formulas): https://bank-risk-api.culturehub-kash.workers.dev/methodology (markdown: /methodology.md)
- Validation and freshness: https://bank-risk-api.culturehub-kash.workers.dev/validation (JSON: /v1/status)
- Terms/refunds: https://bank-risk-api.culturehub-kash.workers.dev/terms
- x402 discovery: https://bank-risk-api.culturehub-kash.workers.dev/.well-known/x402

Not investment advice. Source: FDIC BankFind Suite API.