ClearCheck · Bank

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://loonie-toll.onrender.com/bank", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://loonie-toll.onrender.com/bank?name=Chase" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "bestMatch": {
    "asOf": "2026-06-30",
    "branches": 5394,
    "charterClass": "N",
    "city": "Columbus",
    "closedOn": null,
    "establishedOn": "01/01/1824",
    "fdicCert": 628,
    "name": "JPMorgan Chase Bank, National Association",
    "open": true,
    "returnOnAssetsPct": 1.585,
    "returnOnEquityPct": 18.55,
    "state": "OH",
    "tier1RiskBasedCapitalRatioPct": 15.03,
    "totalAssetsUsd": 4091315000000,
    "totalDepositsUsd": 2820284000000,
    "totalEquityUsd": 341580000000,
    "totalRiskBasedCapitalRatioPct": 16.21,
    "trend": {
      "assetChangePct": 7.99,
      "capitalRatioChangePct": -0.54,
      "overQuarters": 5,
      "sincePeriod": "2025-06-30"
    },
    "website": "www.jpmorganchase.com"
  },
  "disclaimer": "Advisory only, provided as is without warranty of accuracy or completeness. Call report data is filed quarterly and lags current conditions. This is not a credit rating, a deposit-safety guarantee, or…",
  "institutions": [
    {
      "asOf": "2026-06-30",
      "branches": 5394,
      "charterClass": "N",
      "city": "Columbus",
      "closedOn": null,
      "establishedOn": "01/01/1824",
      "fdicCert": 628,
      "name": "JPMorgan Chase Bank, National Association",
      "open": true,
      "returnOnAssetsPct": 1.585,
      "returnOnEquityPct": 18.55,
      "state": "OH",
      "tier1RiskBasedCapitalRatioPct": 15.03,
      "totalAssetsUsd": 4091315000000,
      "totalDepositsUsd": 2820284000000,
      "totalEquityUsd": 341580000000,
      "totalRiskBasedCapitalRatioPct": 16.21,
      "trend": {
        "assetChangePct": 7.99,
        "capitalRatioChangePct": -0.54,
        "overQuarters": 5,
        "sincePeriod": "2025-06-30"
      },
      "website": "www.jpmorganchase.com"
    },
    {
      "asOf": "2026-06-30",
      "branches": 1,
      "charterClass": "SM",
      "city": "Dearborn",
      "closedOn": null,
      "establishedOn": "09/16/1974",
      "fdicCert": 21761,
      "name": "JPMorgan Chase Bank, Dearborn",
      "open": true,
      "returnOnAssetsPct": 2.851,
      "returnOnEquityPct": 2.87,
      "state": "MI",
      "tier1RiskBasedCapitalRatioPct": 507.91,
      "totalAssetsUsd": 71467000,
      "totalDepositsUsd": 500000,
      "totalEquityUsd": 70955000,
      "totalRiskBasedCapitalRatioPct": 507.91,
      "trend": {
        "assetChangePct": 3.09,
        "capitalRatioChangePct": 0.03,
        "overQuarters": 5,
        "sincePeriod": "2025-06-30"
      },
      "website": null
    }
  ],
  "matchCount": 43,
  "reasons": [
    "Total risk-based capital ratio is 16.21%, at or above the 10% well-capitalized threshold (as of 2026-06-30).",
    "Return on assets is 1.585%.",
    "…2 more"
  ],
  "retrievedAt": "2026-09-09T00:52:20.357Z",
  "source": "FDIC BankFind — institutions and quarterly call report financials",
  "verdict": "WELL_CAPITALIZED"
}