# FDIC BankFind — Wrapped API

> **You are on:** `https://api.paywithlocus.com/api` | [llms.txt](https://paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Search FDIC-insured banks by location or institution, and access detailed information about their financial performance, merger history, deposit demographics, and regulatory changes. Get comprehensive data on bank failures, acquisitions, and historical financial trends to research institutions and analyze the banking landscape.

**Category:** Finance & Markets | **Website:** [banks.data.fdic.gov/](https://banks.data.fdic.gov/) | **Docs:** [parse.bot/marketplace/743705d0-4d2f-4f74-8c83-887deda8e2f1/banks-data-fdic-gov-api](https://parse.bot/marketplace/743705d0-4d2f-4f74-8c83-887deda8e2f1/banks-data-fdic-gov-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get bank acquisitions

Retrieve the list of all banks acquired by a specified bank. Filters by the acquiring bank's certificate number (CERT) and optionally by date range. Returns a processed array of acquisitions including bank name, date, city, and state. Returns an empty array with total 0 when no acquisitions match.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | Yes | FDIC certificate number of the acquiring bank (e.g., '3510' for Bank of America). |
| `start_date` | string | No | Filter for acquisitions occurring on or after this date (YYYY-MM-DD format). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-bank-acquisitions \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>","start_date":"<string>"}'
```

### Get bank failures

Retrieve historical bank failure data from 1934 to present. Returns information about failed institutions including name, city, state, failure date, and resolution type. Results are sorted by default order (oldest first).

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `filters` | string | No | Filter string using FDIC field names (e.g., 'PSTALP:CA' for California, 'FAILYR:2023' for failures in 2023). Multiple filters combined with AND. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-bank-failures \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>"}'
```

### Get demographics

Retrieve demographic data associated with financial institution locations. Returns quarterly office counts, geographic classification, and other demographic indicators over time.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `filters` | string | No | Filter string using FDIC field names (e.g., 'CERT:3510', 'CBSANAME:Charlotte'). Multiple filters combined with AND. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-demographics \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>"}'
```

### Get historical summary

Retrieve historical aggregate financial data by year for financial institutions. Returns state-level aggregated data for the specified year including total assets, deposits, number of institutions, and other metrics. Data is split by commercial banks (CB) and savings institutions (SI).

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `filters` | string | No | Filter string using FDIC field names (e.g., 'YEAR:2020', 'STNAME:California', 'YEAR:2020 AND STNAME:California'). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-historical-summary \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>"}'
```

### Get history by changecode

Query history events by a specific CHANGECODE (e.g., mergers, name changes, branch events). Optionally filter by institution CERT number. Returns detailed history records for all institutions matching the change code, sorted by most recent.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | No | Optional FDIC certificate number to filter results to a specific institution. |
| `changecode` | string | Yes | FDIC change code (e.g., '223' for Merger Without Assistance, '721' for Branch Closing, '520' for Name Change). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-history-by-changecode \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>","changecode":"<string>"}'
```

### Get institution details

Retrieve full details for a specific financial institution by FDIC certificate number (CERT). Returns comprehensive data including address, financial indicators, regulatory information, and web address.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | Yes | FDIC certificate number (e.g., '3510' for Bank of America, '628' for JPMorgan Chase). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-institution-details \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>"}'
```

### Get institution financials

Retrieve quarterly financial data for an FDIC-insured institution. Returns financial metrics sorted by report date descending, including assets, deposits, net income, and various financial ratios. Each record corresponds to one reporting quarter.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | Yes | FDIC certificate number (e.g., '3510' for Bank of America). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-institution-financials \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>"}'
```

### Get institution history

Retrieve the complete list of structure change events (history) for a specific institution. Includes mergers, branch openings/closings, name changes, and other regulatory events sorted by date descending. Results are paginated.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | Yes | FDIC certificate number (e.g., '3510' for Bank of America). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-institution-history \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>"}'
```

### Get institution locations

Retrieve all branch/office locations for a financial institution by CERT number. Returns location details including address, city, state, coordinates, and service type. Results are paginated with up to 100 per request.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `cert` | string | Yes | FDIC certificate number (e.g., '3510' for Bank of America). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-institution-locations \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"cert":"<string>"}'
```

### Get summary of deposits

Retrieve Summary of Deposits (SOD) data for FDIC-insured institutions. Returns branch-level deposit information including deposit amounts, branch names, and location details. Data is available annually.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `filters` | string | No | Filter string using FDIC field names (e.g., 'CERT:3510', 'YEAR:2023', 'STALPBR:CA'). Multiple filters combined with AND. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/get-summary-of-deposits \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>"}'
```

### Search institutions

Search for FDIC-insured financial institutions using full-text search or field-level filters. Returns institution records with metadata including total count. The filters parameter supports FDIC field names like STNAME, NAME, CERT, STALP. Full-text search via query may return fewer results than filter-based queries.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `filters` | string | No | Filter string using FDIC field names (e.g., 'STNAME:California', 'NAME:Chase', 'CERT:3510', 'STALP:CA'). Multiple filters combined with AND. |
| `limit` | integer | No | Number of results to return per page. |
| `offset` | integer | No | Offset for pagination. |
| `query` | string | No | Full-text search query passed to the FDIC API search parameter. May return empty results for some queries; using filters is more reliable. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/fdic-bankfind/search-institutions \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>","limit":"<integer>","offset":"<integer>","query":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://paywithlocus.com/agent/index.md): every Locus agent page.