{"providers":[{"id":"fdic","label":"FDIC BankFind Suite (institutions, financials, failures)","enabled":true,"host":"https://banks.data.fdic.gov","access":"keyless per-call JSON API (institutions / financials / failures)","license":"US-gov public domain"},{"id":"ncua","label":"NCUA credit-union call reports","enabled":false,"host":null,"access":"quarterly bulk (live mapping.ncua.gov API unreliable from some regions); deferred until an on-disk index is built. US-only, separate schema.","license":"US-gov public domain"},{"id":"ffiec_ubpr","label":"FFIEC Uniform Bank Performance Report (peer benchmarks)","enabled":false,"host":null,"access":"bulk / SOAP only (no clean keyless per-call JSON); deferred.","license":"US-gov public domain"},{"id":"enforcement","label":"FDIC / Federal Reserve enforcement actions & orders","enabled":false,"host":null,"access":"no clean keyless JSON feed (HTML / PDF docket); deferred.","license":"US-gov public domain"}],"primary_host":"https://banks.data.fdic.gov","coverage":{"included":["fdic"],"deferred":["ncua","ffiec_ubpr","enforcement"],"scope":"US FDIC-insured depository institutions only (credit unions = deferred NCUA)."},"scoring_dimensions":{"capital_adequacy":30,"asset_quality":25,"deposit_stability":15,"profitability":20,"profitability_trend":10},"derived_metrics":{"total_rbc_ratio":{"label":"Total risk-based capital ratio (%)","polarity":"higher_healthier"},"tier1_leverage":{"label":"Tier-1 leverage ratio (%)","polarity":"higher_healthier"},"texas_ratio_proxy":{"label":"Texas-ratio proxy = (noncurrent loans + OREO) / (equity + loan-loss allowance)","polarity":"higher_riskier"},"uninsured_deposit_ratio":{"label":"Uninsured-deposit exposure = (deposits - insured deposits) / deposits","polarity":"higher_riskier"},"roa":{"label":"Return on assets (%, latest quarter)","polarity":"higher_healthier"}},"score_polarity":"higher_is_healthier","grade_bands":[{"min_score":85,"letter":"A","rating":"very_strong"},{"min_score":70,"letter":"B","rating":"strong"},{"min_score":55,"letter":"C","rating":"adequate"},{"min_score":40,"letter":"D","rating":"weak"},{"min_score":0,"letter":"F","rating":"distressed"}],"freshness_note":"FDIC call-report data is quarterly and lags the reporting date; every figure in a verdict is grounded to as_of / REPDTE. Live per-call queries only (no bulk redistribution).","camels_note":"The confidential CAMELS supervisory rating is NOT used or surfaced. The health_score is a DERIVED PROXY computed from the PUBLIC call-report.","note":"Provenance, licensing and coverage of the public FDIC BankFind Suite data the paid /bankhealth/* routes fuse over. US-gov public domain; the value-add is the resolve + call-report fusion + derived proxy metrics + deterministic health score, not a resale. NCUA, FFIEC-UBPR and enforcement actions are registered as deferred datasets a future sub-idea enables.","attribution":["FDIC BankFind Suite API (Federal Deposit Insurance Corporation, banks.data.fdic.gov; US-gov public domain, quarterly call-report / structure data)."],"disclaimer":"These are automated bank-health / counterparty-risk INDICATORS derived from public FDIC call-report data, NOT financial, investment or deposit-safety advice and NOT a guarantee. They are DERIVED PROXIES, not the confidential CAMELS supervisory rating. Call-report data is quarterly and lags; figures are grounded to the reporting date (as_of / REPDTE). Verify current condition directly with the FDIC before relying on them."}