{
 "service": "US Bank Risk Metrics",
 "api_version": "1.0.0",
 "ok": true,
 "upstream_probe": null,
 "updated_at": "2026-11-13T23:09:38Z",
 "age_days": 0,
 "fresh": true,
 "datasets": {
  "fdic-banks": {
   "latest_period": "2026-06-30",
   "records_latest": 4313,
   "records_total": 22023,
   "source_index": "risview_20260819185831",
   "source_index_created": "2026-08-19T18:58:33Z",
   "retrieved_at": "2026-11-13T22:56:13Z",
   "methodology_version": "1.0.0"
  }
 },
 "validation": {
  "fdic-banks": {
   "spot_checks": [
    {
     "bank": "JPMorgan Chase Bank (#628)",
     "check": "total assets > $3T",
     "pass": true,
     "detail": "4.09T"
    },
    {
     "bank": "JPMorgan Chase Bank (#628)",
     "check": "loan-to-deposit 40-70%",
     "pass": true,
     "detail": "54.4%"
    },
    {
     "bank": "Bank of America (#3510)",
     "check": "HTM unrealized loss > $10B (known large HTM book)",
     "pass": true,
     "detail": "82.1B"
    },
    {
     "bank": "Flagstar Bank (ex-NYCB) (#32541)",
     "check": "CRE concentration > 300% (known CRE-heavy)",
     "pass": true,
     "detail": "332%"
    },
    {
     "bank": "Citibank (#7213)",
     "check": "uninsured deposit share > 60% (known wholesale funding)",
     "pass": true,
     "detail": "82.5%"
    }
   ],
   "summary": {
    "latest_report_date": "2026-06-30",
    "banks_latest_quarter": 4313,
    "fdic_index": "risview_20260819185831",
    "fdic_index_created": "2026-08-19T18:58:33Z",
    "retrieved_at": "2026-11-13T22:56:13Z",
    "methodology_version": "1.0.0",
    "metric_coverage": {
     "risk_score": 4309,
     "uninsured_deposit_share": 4242,
     "cre_concentration": 4296,
     "construction_concentration": 4296,
     "unrealized_loss_to_tangible_equity": 4294,
     "htm_adjusted_tangible_equity_ratio": 4296,
     "loan_to_deposit": 4255,
     "noncurrent_loan_ratio": 4223,
     "npa_to_assets": 4313,
     "nim": 4313,
     "roa": 4313,
     "total_rbc_ratio": 2482,
     "leverage_ratio": 4296,
     "total_assets_usd": 4313
    }
   },
   "checks": [
    {
     "check": "loan_to_deposit_vs_FDIC_LNLSDEPR",
     "tolerance_pct_points": 0.05,
     "tested": 4255,
     "passed": 4255,
     "pass_rate": 100,
     "largest_mismatches": []
    },
    {
     "check": "noncurrent_ratio_vs_FDIC_NCLNLSR",
     "tolerance_pct_points": 0.05,
     "tested": 4223,
     "passed": 4223,
     "pass_rate": 100,
     "largest_mismatches": []
    },
    {
     "check": "total_rbc_ratio_vs_FDIC_RBCRWAJ",
     "tolerance_pct_points": 0.05,
     "tested": 2482,
     "passed": 2482,
     "pass_rate": 100,
     "largest_mismatches": []
    }
   ]
  }
 }
}