FDIC BankFind

get_bank_failures

Get recent bank failures from FDIC records.

Returns details of failed FDIC-insured institutions including failure
date, resolution type, estimated cost, and pre-failure assets.

Args:
    state: Two-letter state abbreviation to filter by (e.g. 'CA').
    start_year: Only return failures from this year onward (e.g. 2020).

Input Schema

TableJSON Schema

Name	Required	Description	Default
`state`	No
`start_year`	No

Output Schema

TableJSON Schema

Name	Required	Description	Default
`result`	Yes

TDQS

A3.7/5.0

Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries full burden. It lists returned fields but fails to disclose behavioral traits like read-only nature, rate limits, authentication needs, or data freshness. A basic query tool with limited transparency.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is concise at ~3 sentences plus parameter docs, front-loaded with purpose. Lacks slight efficiency but no verbosity.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

With output schema present and 2 optional parameters, the description covers core functionality. Missing details on default behavior when no parameters given, but sufficient for basic use.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 0%, so the description must compensate. It adds useful context: 'state' as two-letter abbreviation, 'start_year' as year onward. This goes beyond raw types, though more format details could help.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states 'Get recent bank failures from FDIC records' with a specific verb and resource, and it distinguishes from sibling tools focused on branches and institutions.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies usage through parameters but provides no explicit when-to-use or when-not-to-use guidance, nor does it mention alternatives among siblings.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

All FDIC BankFind tools Inspect

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TDQS

A4.2/5.0

Disambiguation5/5

Each tool has a clearly distinct purpose targeting different FDIC data domains: bank failures, county branches, institution details, institution branches, and institution search. There is no overlap in functionality, and the descriptions clearly differentiate between failure records, branch data, and institution information.

Naming Consistency5/5

All tools follow a consistent verb_noun pattern with clear, descriptive names: get_bank_failures, get_county_branches, get_institution, get_institution_branches, and search_institutions. The naming convention is uniform throughout the set, using snake_case and appropriate verbs (get/search) that match the action.

Tool Count5/5

With 5 tools, this server is well-scoped for its FDIC banking data domain. Each tool serves a specific, non-overlapping function, covering key aspects like failures, branches, institution details, and search. The count is neither too sparse nor bloated, fitting typical MCP server ranges.

Completeness4/5

The tool set provides comprehensive coverage for querying FDIC data, including failures, branches, and institution details with search capabilities. A minor gap exists in update or administrative functions (e.g., no tools for modifying data), but this is reasonable for a read-only data server, and agents can fully navigate the available information.

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