Composed bank snapshot — "is my banking up to date?" (CompanyMember). "Reconciled" means entries matched, NOT ledger = statement balance (the close check BANK_BALANCE_DOES_NOT_TIE_OUT compares that).

One call for what otherwise takes GET …/bank-accounts + one GET /bank-accounts/{id}/coverage per account + GET …/reconciliation/summary — and which those three still do not answer: per-account entry-status counts, the in_suspense counts, each account's latest closing balance, and the company-level cumulative GL Suspense balance (elsewhere reachable only through a VAT period's close-checks). Non-zero suspense blocks a clean VAT close.

Read-only. Gaps come from the account's full history: coverage windows are merged and every internal hole reported (ZCT-509), so a run of missing statements is ONE gap. Not period-scoped; use …/reconciliation/completeness per month. period_gaps caps at 10/account, period_gap_count stays exact — HOLES, not missing months. Explicit non-member company_id → 403.