get_bank_financials
Returns quarterly financials for every FDIC-insured US bank — FDIC BankFind Suite (RIS) data derived from Call Reports, one record per (bank, quarter-end) from 1984 to the present. Covers ~4,400 active institutions per modern quarter, most of which never file with the SEC — this is the banking-sector complement to get_fundamentals. Use this when the user asks about: a specific bank's assets / deposits / profitability / capital ratios, bank league tables ('largest banks in Texas'), deposit flight or brokered-deposit reliance, nonperforming-asset trends, or to pair bank fundamentals with OCC/FDIC/Fed enforcement actions and CFPB complaints. Record shape: identity (cert = FDIC certificate number, the stable bank key; name/city/state), balance sheet in $ THOUSANDS (total_assets, total_deposits, equity_capital, net_loans_leases, securities, loan buckets, brokered_deposits, insured-deposit estimates), income statement in $ thousands (net_income, interest income/expense, noninterest income/expense, provisions), and FDIC-computed ratios in percent (roa, roe, net_interest_margin, efficiency_ratio, leverage_ratio, tier1_risk_based_ratio, cet1_ratio, total_risk_based_ratio, nonperforming_assets_ratio, net_chargeoffs_ratio, loans_to_core_deposits). CONVENTIONS (Call Report): income-statement items are YEAR-TO-DATE (Q3 net_income = nine months, not the quarter alone; Q4 = full year); ratios are FDIC's annualized computations; roe_quarterly is the single-quarter ROE. Balance-sheet items are point-in-time. Matching a bank: cert (FDIC certificate #) is exact and stable — resolve it once via a name substring query, then use cert for history. Banks are subsidiaries: 'JPMorgan Chase Bank, National Association' (cert 628) is the insured bank, not the NYSE-listed holding company — for the parent's SEC financials use get_fundamentals. League tables: report_date='' + sort_by='total_assets' (e.g., report_date '2026-03-31'). Quarter-ends are 03-31 / 06-30 / 09-30 / 12-31. Latest quarter fills in progressively for ~60 days after quarter end as banks file. Pure-publisher: FDIC's numbers as published, no derived health scores.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| id | No | Direct lookup: '{cert}-{YYYY-MM-DD}' (e.g., '3511-2026-03-31'). Fastest path. | |
| cert | No | FDIC certificate number (exact) — the stable bank identifier (e.g., 3511 = Wells Fargo Bank NA, 628 = JPMorgan Chase Bank NA). | |
| name | No | Case-insensitive substring against the institution name (e.g., 'silicon valley', 'first republic'). | |
| limit | No | Maximum records to return. Default 50, max 500. | |
| since | No | report_date lower bound (YYYY-MM-DD inclusive). | |
| state | No | Two-letter state code (exact, e.g., 'CA', 'TX'). | |
| until | No | report_date upper bound (YYYY-MM-DD inclusive). | |
| sort_by | No | Default report_date. total_assets requires an exact report_date filter (league-table mode). | |
| sort_order | No | Default: desc. | |
| report_date | No | Exact quarter-end (YYYY-MM-DD: 03-31 / 06-30 / 09-30 / 12-31). Combine with sort_by='total_assets' for league tables. |