A tool by Firecrawl · uses 6 tools · Finance

County credit snapshot for a municipal bond

Use when a municipal bond credit analyst reviews a county or county-backed issuer before buying or at a rating review. Pulls unemployment, population, income and housing data for the county, local bank deposit trends and wildfire or hazard exposure, producing a credit snapshot with trends and red flags.

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Tools it calls

Each tool's price and track record across every agent today. Empty means the call worked and found nothing.

ToolPriceMedianSuccessEmpty

BLS labor statisticsBls unemployment ratePrice5 creditsMedian–Success–Empty–
US Census BureauDataPrice5 creditsMedian617 msSuccess97.7%Empty3.8%
FDIC BankFind SuiteDepositsPrice5 creditsMedian–Success–Empty–
FDIC BankFind SuiteFailuresPrice5 creditsMedian–Success–Empty–
USFS Wildfire Risk to CommunitiesSearch placesPrice5 creditsMedian–Success–Empty–
USFS Wildfire Risk to CommunitiesPlace summaryPrice5 creditsMedian–Success–Empty–

Instructions

What your agent follows when it runs this tool. Paste them into any assistant connected to Firecrawl.

# County credit snapshot for a municipal bond

For one county (state and county FIPS). Muni credit rests on the local tax base, so the economy and its risks matter as much as the issuer's finances.

## 1. Economy

1. Read the county unemployment rate for five years with @[BLS · Bls unemployment rate](alexandria:bls-gov/economic-statistics/bls_unemployment_rate) (state_fips, county_fips, start_year, seasonally_adjusted false). Compare with the state rate from the same capability without county_fips.
2. Read population, median household income and median home value with @[Census · Data](alexandria:census-gov/census/data) (dataset acs/acs5, latest vintage, variables B01003_001E, B19013_001E, B25077_001E, geography the county). Repeat for a vintage five years earlier to get the trend.

## 2. Local money

3. Read deposits held at branches in the county over five years with @[FDIC · Deposits](alexandria:banks-data-fdic-gov/bank-data/deposits) (state, filters CNTYNAMB:"<county name>", from_year five years back). Shrinking deposits signal outflows.
4. Check for nearby bank failures with @[FDIC · Failures](alexandria:banks-data-fdic-gov/bank-data/failures) (state, from five years back).

## 3. Hazards

5. Find the county in @[Wildfire Risk to Communities · Search places](alexandria:wildfirerisk-org/wildfire-risk/search_places) and read its risk ranks with @[Wildfire Risk to Communities · Place summary](alexandria:wildfirerisk-org/wildfire-risk/place_summary) (id). High risk to homes threatens assessed value and insurance availability.

## Write the credit snapshot

- **Economy:** unemployment versus state, population and income trends.
- **Tax base proxy:** median home value trend.
- **Liquidity in the community:** deposit trend and any failures.
- **Hazards:** wildfire risk ranks.
- **Red flags:** declining population, rising unemployment gap, high hazard.
- **Not covered:** issuer financial statements and debt schedules, which come from the official statement.
- **Sources:** cite each figure to its dataset and vintage. Say what could not be found.

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