BankIntelTHE BANKINTEL DEVELOPER PLATFORM
Structured financials, historical context, and peer intelligence. A focused API for the banking products you’re building.
BASE URL API v1.1.0
https://bankintel.onrender.com01 / GET STARTED
Start with free institution search. Use the returned cert for institution-specific resources. Newtown Savings Bank’s FDIC certificate is 18199.
curl 'https://bankintel.onrender.com/v1/banks/search?q=Newtown%20Savings%20Bank&limit=5'const url = new URL('https://bankintel.onrender.com/v1/banks/search');
url.searchParams.set('q', 'Newtown Savings Bank');
url.searchParams.set('limit', '5');
const response = await fetch(url);
if (!response.ok) throw new Error(`BankIntel HTTP ${response.status}`);
const data = await response.json();
console.log(data.results);Resolve the legal bank you intend to analyze. Similar names and holding-company names can refer to different entities.
02 / ACCESS
Discuss endpoint scope, volumes, embedding rights, and support with BankIntel. Customer-specific service credentials and commercial entitlements are part of enterprise onboarding; a self-serve enterprise API-key flow is not currently offered.
Paid public resources use x402 V2. A compatible client reads the live HTTP 402 payment requirement and handles payment before retrieving the result. Search and service discovery are free.
Read the agent guide03 / RESOURCE REFERENCE
Explore 12 resources. Prices below are configuration defaults for x402 access; the live payment requirement is authoritative.
12 resources
/v1/banks/searchFind an institutionFree+Resolve a bank name to its FDIC certificate identifier.
Parameters
q: 2–80 characters. limit: 1–100, default 25. offset: integer ≥ 0, default 0.
curl -i 'https://bankintel.onrender.com/v1/banks/search?q=Newtown%20Savings%20Bank&limit=5'Search returns pagination metadata including has_more and next_offset.
/v1/banks/{cert}/snapshotInstitution snapshot$0.03+Current balance sheet, performance, capital, and derived financial ratios.
Parameters
cert: positive FDIC certificate number.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/snapshot'Read the returned reporting period and source information before presenting a figure as current.
/v1/banks/{cert}/trendsHistorical financials$0.05+Quarterly financial, earnings, lending, credit-quality, deposit, and funding history.
Parameters
cert; quarters: 4–20, default 8.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/trends?quarters=8'Historical periods may use different sources. Preserve per-period source and reporting dates.
/v1/banks/{cert}/liquidityLiquidity & funding$0.05+Liquidity ratios, funding balances, borrowings, and year-over-year context.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/liquidity'Ratios such as loan_to_deposit are decimal fractions; 0.94 means 94%.
/v1/banks/{cert}/depositsDeposit intelligence$0.05+Deposit composition, uninsured estimates, brokered funding, selected maturity data, and trends.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/deposits'Selected maturity measures depend on supported reporting fields and may be unavailable.
/v1/banks/{cert}/regulatory-capitalRegulatory capital$0.05+Reported capital ratios alongside published numerical regulatory reference thresholds.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/regulatory-capital'These comparisons do not assign an official PCA classification, supervisory rating, or CBLR election status.
/v1/banks/{cert}/securitiesSecurities portfolio$0.10+Validated securities categories, maturity information, and historical movement.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/securities'Categories may overlap. Do not sum them as if all categories were mutually exclusive.
/v1/banks/{cert}/peersPeer intelligence$0.15+Same-quarter asset-band cohort distributions, medians, and subject percentiles.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/peers'The nationwide asset band is 50%–200% of subject assets. The subject is excluded from the peer distribution.
/v1/banks/{cert}/historical-peersHistorical peers$0.20+Quarter-by-quarter peer statistics with the cohort recalculated independently each period.
Parameters
cert; quarters: 4–20, default 8.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/historical-peers?quarters=8'Peer percentiles describe BankIntel’s calculated distributions; they are not UBPR percentiles.
/v1/banks/{cert}/geographyGeographic intelligence$0.10+Annual deposit footprint, concentration, and selected local market share and rankings.
Parameters
cert; year: 1934–2100. Omit year to resolve the latest available SOD year.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/geography'Summary of Deposits is annual. Some branches have no MSA, so MSA totals may not reconcile to the full deposit total.
/v1/banks/screenBank screening$0.20+Filter and rank banks using supported FDIC financial measures.
Parameters
report_date: YYYYMMDD; filter: repeatable metric:operator:value; sort_by; sort_order: asc or desc; min_assets; max_assets; limit: 1–100, default 25.
curl -i 'https://bankintel.onrender.com/v1/banks/screen?min_assets=1000000000&max_assets=3000000000&limit=10'Operators: gt, gte, lt, lte, eq. Omitted reporting dates resolve to the default available FDIC screening period.
/v1/banks/{cert}/analysisFactual bank analysis$0.25+Deterministic synthesis across funding, liquidity, capital, profitability, securities, and peer context.
Parameters
cert.
curl -i 'https://bankintel.onrender.com/v1/banks/18199/analysis'Analysis is descriptive public-data intelligence. It does not assign regulatory ratings or investment recommendations.
No matching resources. Try “peers”, “deposits”, or “financials”.
04 / DATA CONTRACT
Use each response’s reporting-period and source fields. FFIEC data can extend an individual institution’s history beyond the available FDIC peer period. Never attach a June peer percentile to a September financial figure.
Amounts labeled _usd are dollars. Decimal ratios such as loan_to_deposit need multiplication by 100 for percent display; reported _pct metrics are percentage values. Interpret each field according to its definition.
null means unavailable or unvalidated, not zero. Preserve missingness in calculations and in AI answers.
Financials are quarterly; Summary of Deposits is annual. Hourly filing checks do not turn quarterly financial statements into live account balances.
05 / METHODOLOGY
BankIntel uses FDIC BankFind Suite, supported FFIEC Call Reports, and FDIC Summary of Deposits. It normalizes reported fields and calculates ratios, changes, concentrations, rankings, and peer statistics deterministically.
Current FFIEC normalization supports forms 041 and 051; form 031 and validation exceptions can result in older available financials. FDIC takes precedence where both sources cover the same quarter. Peer cohorts and screening currently use FDIC financials.
Peer groups use a nationwide asset band of 50%–200% of subject assets, excluding the subject. Each distribution applies metric-specific validity rules. Results describe that calculated cohort and are not official supervisory ratings.
06 / ERROR HANDLING
| HTTP | Meaning | Client behavior |
|---|---|---|
| 400 | invalid_request | Correct the supplied parameters. |
| 402 | Payment required | Read the live x402 requirement. |
| 404 | Bank or required data unavailable | Explain that evidence is unavailable. |
| 502 | upstream_error | Handle the source-service failure. |
| 503 | upstream_unavailable / upstream_rate_limited | Use bounded retries and backoff. |
| 500 | internal_error | Record the failure and contact support if persistent. |
07 / DISCOVERY
BUILD SOMETHING USEFUL
Tell us about your platform, expected usage, and the questions you want to answer.