fdic_risk_ratios
Retrieve FDIC financial risk ratios, including profitability, capital adequacy, and asset quality, for an institution by its certificate number.
Instructions
FDIC counterparty RISK RATIOS for ONE institution by certificate number (keyless FDIC BankFind, api.fdic.gov/banks/financials) — the SOUNDNESS lane the balance-sheet tools cannot express: profitability (ROA/pretax ROA/ROE), net interest margin, efficiency ratio, asset quality (net charge-offs to loans), capital adequacy (leverage, tier-1 risk-based, total risk-based ratios) + the tier-1 capital LEVEL. Input cert (REQUIRED FDIC certificate number, from fdic_search_institutions), reportDate (optional YYYYMMDD quarter-end → REPDTE; omit for the full quarterly time-series), limit (≤1000, def 100), offset (≤100000), sortBy (allowlisted enum REPDTE/ROA/ROE/RBCRWAJ/EEFFR, def REPDTE), sortOrder (def DESC → newest quarter first). Returns { cert, ratios:[{ cert, reportDate, cblrFramework, returnOnAssetsPct, preTaxReturnOnAssetsPct, returnOnEquityPct, netInterestMarginPct, efficiencyRatioPct, netChargeOffsToLoansPct, leverageRatioPct, tier1RiskBasedCapitalRatioPct, totalRiskBasedCapitalRatioPct, tier1CapitalUSD, id }] }. ★UNITS-IN-THE-KEY: every *Pct field is an FDIC-published PERCENTAGE surfaced VERBATIM (no scaling, no recompute) — do NOT read it as a dollar amount or ×1000-scale it; tier1CapitalUSD is a DOLLAR amount (FDIC publishes it in $thousands, normalized ×1000). ★NULL-NEVER-0: a not-reported ratio is null (never 0% — a false 'no return / no capital'). ★CBLR (community-bank-leverage) banks (cblrFramework:true) do NOT report the risk-based capital ratios — FDIC returns a literal 0 for the total risk-based ratio, which this tool maps to null for BOTH tier1RiskBasedCapitalRatioPct and totalRiskBasedCapitalRatioPct (a null there is a normal framework artifact, read alongside leverageRatioPct — NOT a 0% capital red flag). No ratio is recomputed; each is exactly FDIC's published Call-Report figure. HONESTY: totalAvailable is the EXACT meta.total (stable across offset); the ONLY honest empty is meta.total:0/data:[] ⇒ complete:true/total:0, every other envelope (400 errors[]/404/non-JSON/missing meta or data) THROWS (never a fake empty); the snapshot build time is disclosed. NOTE: reported regulatory metrics, NOT a soundness rating or failure prediction; FDIC keys on CERT, not SAM UEI/DUNS.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| cert | Yes | REQUIRED FDIC certificate number of the institution (→ CERT filter). From fdic_search_institutions. | |
| limit | No | Rows per page, 1..1000, default 100. | |
| offset | No | 0-based row offset for pagination, 0..100000, default 0. | |
| sortBy | No | Sort field (allowlisted enum; default REPDTE = report date). An unknown field is rejected before fetch. | |
| sortOrder | No | Sort direction, default DESC (newest quarter first). | |
| reportDate | No | Optional report date (→ REPDTE filter), a quarter-end as a YYYYMMDD integer (e.g. 20240630). Omit for the full quarterly ratio time-series. |