Is there a cheap alternative to S&P Capital IQ Pro / Market Intelligence — US bank & depository data?

Yes. S&P Capital IQ Pro / Market Intelligence — US bank & depository data's underlying data is public: FDIC BankFind Suite API (financials, ratios, structure) (US public domain); FFIEC Call Reports (full detail) (US public domain). Incumbent ~$100k/yr. A per-bank health check at $0.25 is ~5 orders of magnitude cheaper for the single-question user.

← All decompositions · PulseNetwork

S&P Capital IQ Pro / Market Intelligence — US bank & depository data: what you're actually paying for

Q: What data does S&P Capital IQ Pro / Market Intelligence — US bank & depository data actually use?

Cleaned ratios and peer analytics over regulatory filings every US bank must file publicly. Key sources: FDIC BankFind Suite API (financials, ratios, structure) — US public domain; FFIEC Call Reports (full detail) — US public domain.

Q: Is it legal to rebuild S&P Capital IQ Pro / Market Intelligence — US bank & depository data from public data?

Facts and public-domain government data are not copyrightable, but there are real traps here: None — federal regulatory data. Keep claims to reported figures and defined regulatory categories This is research, not legal advice.

Yes — rebuildable from free public data

S&P Capital IQ Pro / Market Intelligence — US bank & depository data typically costs ~$100,000/yr enterprise seats (bank-data sleeve). Its core dataset is not proprietary: it is built on FDIC BankFind Suite API (financials, ratios, structure); FFIEC Call Reports (full detail) — public sources you can access directly for free. What the subscription actually adds is cleaned ratios and peer analytics over regulatory filings every US bank must file publicly.

The free public data underneath

Source	License	Access
FDIC BankFind Suite API (financials, ratios, structure)	US public domain	banks.data.fdic.gov, free
FFIEC Call Reports (full detail)	US public domain	cdr.ffiec.gov bulk

Rebuild recipe

Query FDIC BankFind for institution financials + ratios
Compute capital-adequacy reads against the actual PCA thresholds (12 CFR 324.403) — deterministic math, no estimates
Frame consumer answers around 'is my bank safe' signals: capital tier, NPL trend, deposit mix

DIY difficulty: low — clean federal APIs

The price math

Incumbent ~$100k/yr. A per-bank health check at $0.25 is ~5 orders of magnitude cheaper for the single-question user.

Licensing and legal traps

None — federal regulatory data. Keep claims to reported figures and defined regulatory categories

The pay-per-call alternative, live today:

https://wealthpulse-phi.vercel.app/api/wealth/bank-health ($0.25) — live, PCA categories vs 12 CFR 324.403

WealthPulse — no subscription, no seat license, USDC per call via x402. Agents can pay programmatically.

Decompose any data product programmatically: GET https://pulse.theaslangroupllc.com/api/unbundle?product=S%26P — $1.00 per call via x402. 22 products decomposed; honest misses for everything else.

Research as of 2026-07-06 by The Aslan Group LLC (info@theaslangroupllc.com). Product names are used nominatively to identify the products analyzed; all trademarks belong to their owners. Pricing is as publicly reported or contract-disclosed at research time and may change. This is research for build-vs-buy evaluation, not legal advice — verify licenses against the primary source before building.