# FDIC BankFind — Wrapped API

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> 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. Each call is automatically billed to your wallet in USDC.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/parse-banks-data-fdic-gov-api-743705d0/`
**Auth:** `Authorization: Bearer <LOCUS_API_KEY>`

## 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/parse-banks-data-fdic-gov-api-743705d0/get_bank_acquisitions \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_bank_failures \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_demographics \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_historical_summary \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_history_by_changecode \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_institution_details \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_institution_financials \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_institution_history \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_institution_locations \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/get_summary_of_deposits \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -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/parse-banks-data-fdic-gov-api-743705d0/search_institutions \
  -H "Authorization: Bearer YOUR_LOCUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"filters":"<string>","limit":"<integer>","offset":"<integer>","query":"<string>"}'
```