# FDIC BankFind API
> US banking data as an API, powered by the FDIC BankFind Suite — the official open data service of the Federal Deposit Insurance Corporation. Search the roughly 4,500 FDIC-insured banks by name and state (active, inactive or all), getting each bank's FDIC certificate number, name, city and state, total assets and deposits, branch-office count, charter class and founding year, ranked by size; read a single bank's full profile including its address, website, established and (if applicable) closed dates, total assets, deposits, equity and net income, branch count, charter class and type, primary federal regulator, deposit-insurance fund and business specialization; track a bank's quarterly financial performance over time — assets, deposits, equity, net income, net loans, return on assets, return on equity and net interest margin; and browse the complete history of US bank failures since 1934, with each failure's date, resolution type, acquiring institution, total assets and deposits and the FDIC's estimated cost — including recent high-profile failures such as Silicon Valley Bank, Signature Bank and First Republic Bank. Ideal for fintech, financial research, risk analysis, journalism and compliance tooling. Identify a bank by its FDIC certificate number from search results; all dollar figures are reported in thousands of US dollars. Data is public-domain from the FDIC (US institutions only).

## Authentication
All requests require your oanor API key in the `x-oanor-key` header. Get one at https://www.oanor.com/developer/keys.

```bash
curl -H "x-oanor-key: oanor_live_…" "https://api.oanor.com/fdic-api/..."
```

## Pricing
- **Free** (Free) — 650 calls/Mo, 2 req/s
- **Starter** ($8/Mo) — 24,000 calls/Mo, 6 req/s
- **Pro** ($25/Mo) — 100,000 calls/Mo, 15 req/s
- **Mega** ($68/Mo) — 440,000 calls/Mo, 40 req/s

## Endpoints

### Banks

#### `GET /v1/bank` — A bank's full profile

**Parameters:**
- `cert` (query, required, string) — FDIC certificate number, e.g. 628 Example: `628`

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/fdic-api/v1/bank?cert=628"
```

**Response:**
```json
{
    "data": {
        "bank": {
            "zip": "43240",
            "cert": "628",
            "city": "Columbus",
            "name": "JPMorgan Chase Bank, National Association",
            "state": "OH",
            "active": true,
            "closed": "12/31/9999",
            "county": "Delaware",
            "address": "1111 Polaris Pkwy",
            "offices": 5357,
            "website": "www.jpmorganchase.com",
            "fed_rssd": "852218",
            "regulator": "OCC",
            "established": "01/01/1824",
            "charter_type": "federal",
            "charter_class": "N",
            "insurance_fund": "DIF",
            "specialization": "International Specialization",
            "assets_thousands": 4016571000,
            "equity_thousands": 335931000,
            "deposits_thousands": 2787994000,
            "net_income_thousands": 13974000
        }
    },
    "meta": {
        "timestamp": "2026-06-01T08:13:23.209Z",
        "request_id": "d0ed09b5-9e38-4746-965c-e2719e19db1f"
    },
    "status": "ok",
    "message": "Bank retrieved",
    "success": true
}
```

#### `GET /v1/financials` — Quarterly financial history

**Parameters:**
- `cert` (query, required, string) — FDIC certificate number Example: `628`
- `limit` (query, optional, string) — Quarters (1-40)

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/fdic-api/v1/financials?cert=628"
```

**Response:**
```json
{
    "data": {
        "cert": "628",
        "count": 8,
        "quarters": [
            {
                "report_date": "2026-03-31",
                "loans_thousands": 1493977000,
                "assets_thousands": 4016571000,
                "equity_thousands": 335931000,
                "return_on_assets": 1.438906517541693,
                "return_on_equity": 16.64,
                "deposits_thousands": 2787994000,
                "net_interest_margin": 2.9179769933835193,
                "net_income_thousands": 13974000
            },
            {
                "report_date": "2025-12-31",
                "loans_thousands": 1471951000,
                "assets_thousands": 3752662000,
                "equity_thousands": 335936000,
                "return_on_assets": 1.3448553188805723,
                "return_on_equity": 15.32,
                "deposits_thousands": 2697842000,
                "net_interest_margin": 2.9586399992549426,
                "net_income_thousands": 49644000
            },
            {
                "report_date": "2025-09-30",
                "loans_thousands": 1433072000,
                "assets_thousands": 3813431000,
                "equity_thousands": 331953000,
                "return_on_assets": 1.3864764326074568,
                "return_on_equity": 15.88,
                "deposits_thousands": 2649438000,
                "net_interest_margin": 2.936855645764485,
                "net_income_thousands": 38227000
            },
  
…(truncated, see openapi.json for full schema)
```

#### `GET /v1/search` — Search FDIC-insured banks

**Parameters:**
- `name` (query, required, string) — Bank name, e.g. chase Example: `chase`
- `state` (query, optional, string) — 2-letter US state, e.g. CA
- `active` (query, optional, string) — true|inactive|all
- `limit` (query, optional, string) — Max results (1-100)

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/fdic-api/v1/search?name=chase"
```

**Response:**
```json
{
    "data": {
        "banks": [
            {
                "cert": "628",
                "city": "Columbus",
                "name": "JPMorgan Chase Bank, National Association",
                "class": "N",
                "state": "OH",
                "active": true,
                "offices": 5357,
                "established": "01/01/1824",
                "assets_thousands": 4016571000,
                "deposits_thousands": 2787994000
            },
            {
                "cert": "21761",
                "city": "Dearborn",
                "name": "JPMorgan Chase Bank, Dearborn",
                "class": "SM",
                "state": "MI",
                "active": true,
                "offices": 1,
                "established": "09/16/1974",
                "assets_thousands": 71040,
                "deposits_thousands": 500
            }
        ],
        "count": 2,
        "total": 2
    },
    "meta": {
        "timestamp": "2026-06-01T08:13:23.791Z",
        "request_id": "bdc99ec6-2220-42db-95b4-6b488e0fdf24"
    },
    "status": "ok",
    "message": "Search results retrieved",
    "success": true
}
```

### Failures

#### `GET /v1/failures` — Historical US bank failures

**Parameters:**
- `year` (query, required, string) — Failure year, e.g. 2023 Example: `2023`
- `state` (query, optional, string) — 2-letter US state
- `limit` (query, optional, string) — Max results (1-100)

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/fdic-api/v1/failures?year=2023"
```

**Response:**
```json
{
    "data": {
        "count": 5,
        "total": 5,
        "failures": [
            {
                "name": "CITIZENS BANK",
                "year": "2023",
                "state": "IA",
                "location": "SAC CITY, IA",
                "fail_date": "11/3/2023",
                "resolution_type": "FAILURE",
                "acquirer_or_fund": "DIF",
                "assets_thousands": 60448,
                "deposits_thousands": 52311,
                "estimated_cost_thousands": 14114
            },
            {
                "name": "HEARTLAND TRI-STATE BANK",
                "year": "2023",
                "state": "KS",
                "location": "ELKHART, KS",
                "fail_date": "7/28/2023",
                "resolution_type": "FAILURE",
                "acquirer_or_fund": "DIF",
                "assets_thousands": 139446,
                "deposits_thousands": 130110,
                "estimated_cost_thousands": 43408
            },
            {
                "name": "FIRST REPUBLIC BANK",
                "year": "2023",
                "state": "CA",
                "location": "SAN FRANCISCO, CA",
                "fail_date": "5/1/2023",
                "resolution_type": "FAILURE",
                "acquirer_or_fund": "DIF",
                "assets_thousands": 212638872,
                "deposits_thousands": 176436706,
                "estimated_cost_thousands": 15639197
            },
            {
                "name": "SIGNATURE BA
…(truncated, see openapi.json for full schema)
```

### Meta

#### `GET /v1/meta` — Usage notes

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/fdic-api/v1/meta"
```

**Response:**
```json
{
    "data": {
        "note": "US banking data from the Federal Deposit Insurance Corporation. /v1/search?name=chase (or state=CA, active=true|inactive|all) = search FDIC-insured banks, returning each bank's FDIC certificate (CERT), name, city/state, total assets & deposits, office count, charter class and founding year, sorted by asset size; /v1/bank?cert=628 = a bank's full profile (address, website, established/closed dates, assets, deposits, equity, net income, branch count, charter class & type, primary regulator, insurance fund, specialization); /v1/financials?cert=628 = quarterly financial history (assets, deposits, equity, net income, net loans, return on assets, return on equity, net interest margin) newest first; /v1/failures?year=2023 (or state=CA) = historical US bank failures since 1934 with failure date, resolution type, acquirer, total assets/deposits and estimated cost — includes Silicon Valley Bank and Signature Bank. Identify a bank by its FDIC certificate number (CERT) from search results. All dollar figures are in thousands of US dollars. Data is public-domain from the FDIC (US institutions only). For SEC filings see the EDGAR API, for global legal entities the Companies API, for market quotes the Finance API.",
        "source": "FDIC BankFind Suite API (api.fdic.gov/banks)",
        "endpoints": [
            "/v1/search",
            "/v1/bank",
            "/v1/financials",
            "/v1/failures",
            "/v1/meta"
        ]
    },
    "me
…(truncated, see openapi.json for full schema)
```


---
Marketplace page: https://www.oanor.com/api/fdic-api
OpenAPI spec: https://www.oanor.com/api/fdic-api/openapi.json
