FDIC BankFind MCP Server

Compare FDIC reporting snapshots across a set of institutions and rank the results by growth, profitability, or efficiency changes.

This tool is designed for heavier analytical prompts that would otherwise require many separate MCP calls. It batches institution roster lookup, financial snapshots, optional office-count snapshots, and can also fetch a quarterly time series inside the server.

Good uses:

• Identify North Carolina banks with the strongest asset growth from 2021 to 2025

• Compare whether deposit growth came with branch expansion or profitability improvement

• Rank a specific cert list by ROA, ROE, asset-per-office, or deposit-to-asset changes

• Pull a quarterly trend series and highlight inflection points, streaks, and structural shifts

Inputs:

• state or certs: choose a geographic roster or provide a direct comparison set

• start_repdte, end_repdte: report dates in YYYYMMDD format

• analysis_mode: snapshot or timeseries

• institution_filters: optional extra institution filter when building the roster

• active_only: default true

• include_demographics: default true, adds office-count comparisons when available

• sort_by: ranking field such as asset_growth, dep_growth_pct, roa_change, assets_per_office_change

• sort_order: ASC or DESC

• limit: maximum ranked results to return

Returns concise comparison text plus structured deltas, derived metrics, and insight tags for each institution.

Retrieve detailed information for a specific FDIC-insured institution using its FDIC Certificate Number (CERT).

Use this when you know the exact CERT number for an institution. To find a CERT number, use fdic_search_institutions first.

Args:

• cert (number): FDIC Certificate Number (e.g., 3511 for Bank of America)

• fields (string, optional): Comma-separated list of fields to return

Returns a detailed institution profile suitable for concise summaries, with structured fields available for exact values when needed.

Retrieve failure details for a specific institution by FDIC Certificate Number.

Use this when you know the CERT of a failed institution to get its specific failure record.

Args:

• cert (number): FDIC Certificate Number of the failed institution

• fields (string, optional): Comma-separated list of fields to return

Returns detailed failure information suitable for concise summaries, with structured fields available for exact values when needed.

Build a peer group for an FDIC-insured institution and rank it against peers on financial and efficiency metrics at a single report date.

Three usage modes:

• Subject-driven: provide cert and repdte — auto-derives peer criteria from the subject's asset size and charter class

• Explicit criteria: provide repdte plus asset_min/asset_max, charter_classes, state, or raw_filter

• Subject with overrides: provide cert plus explicit criteria to override auto-derived defaults

Metrics ranked (fixed order):

• Total Assets, Total Deposits, ROA, ROE, Net Interest Margin

• Equity Capital Ratio, Efficiency Ratio, Loan-to-Deposit Ratio

• Deposits-to-Assets Ratio, Non-Interest Income Share

Rankings use competition rank (1, 2, 2, 4). Rank, denominator, and percentile all use the same comparison set: matched peers plus the subject institution.

Output includes:

• Subject rankings and percentiles (when cert provided)

• Peer group medians

• Peer list with CERTs (pass to fdic_compare_bank_snapshots for trend analysis)

• Metric definitions with directionality metadata

Override precedence: cert derives defaults, then explicit params override them.

Search BankFind demographics data for FDIC-insured institutions.

Returns quarterly demographic and market-structure attributes such as office counts, territory assignments, metro classification, county/country codes, and selected geographic reference data.

Common filter examples:

• Demographics for a specific bank: CERT:3511

• By report date: REPDTE:20251231

• Institutions in metro areas: METRO:1

• Institutions with out-of-state offices: OFFSTATE:[1 TO *]

• Minority status date present: MNRTYDTE:[19000101 TO 99991231]

Key returned fields:

• CERT: FDIC Certificate Number

• REPDTE: Report date (YYYYMMDD)

• QTRNO: Quarter number

• OFFTOT: Total offices

• OFFSTATE: Offices in other states

• OFFNDOM: Offices in non-domestic territories

• OFFOTH: Other offices

• OFFSOD: Offices included in Summary of Deposits

• METRO, MICRO: Metro/micro area flags

• CBSANAME, CSA: Core-based statistical area data

• FDICTERR, RISKTERR: FDIC and risk territory assignments

• SIMS_LAT, SIMS_LONG: Geographic coordinates

Args:

• cert (number, optional): Filter by institution CERT number

• repdte (string, optional): Report date in YYYYMMDD format

• filters (string, optional): Additional ElasticSearch query filters

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and demographic records.

Search for details on failed FDIC-insured financial institutions.

Returns data on bank failures including failure date, resolution type, estimated cost to the FDIC Deposit Insurance Fund, and acquiring institution info.

Common filter examples:

• By state: STALP:CA

• By year range: FAILDATE:[2008-01-01 TO 2010-12-31]

• Recent failures: FAILDATE:[2020-01-01 TO *]

• By resolution type: RESTYPE:PAYOFF or RESTYPE:MERGER

• Large failures by cost: COST:[100000 TO *] (cost in $thousands)

• By name: NAME:"Washington Mutual"

Key returned fields:

• CERT: FDIC Certificate Number

• NAME: Institution name

• CITY, STALP, STNAME: Location

• FAILDATE: Date of failure (YYYY-MM-DD)

• SAVR: Savings rate at failure

• RESTYPE: Resolution type (PAYOFF, MERGER, PURCHASE & ASSUMPTION, etc.)

• QBFASSET: Total assets at failure ($thousands)

• COST: Estimated cost to FDIC DIF ($thousands)

Args:

• filters (string, optional): ElasticSearch query filter

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by (e.g., FAILDATE, COST)

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and failure records.

Search quarterly financial (Call Report) data for FDIC-insured institutions. Covers over 1,100 financial variables reported quarterly.

Returns balance sheet, income statement, capital, and performance ratio data from FDIC Call Reports.

Common filter examples:

• Financials for a specific bank: CERT:3511

• By report date: REPDTE:20231231

• High-profit banks in Q4 2023: REPDTE:20231231 AND ROA:[1.5 TO *]

• Large banks most recent: ASSET:[10000000 TO *]

• Negative net income: NETINC:[* TO 0]

Key returned fields:

• CERT: FDIC Certificate Number

• REPDTE: Report date (YYYYMMDD)

• ASSET: Total assets ($thousands)

• DEP: Total deposits ($thousands)

• DEPDOM: Domestic deposits ($thousands)

• INTINC: Total interest income ($thousands)

• EINTEXP: Total interest expense ($thousands)

• NETINC: Net income ($thousands)

• ROA: Return on assets (%)

• ROE: Return on equity (%)

• NETNIM: Net interest margin (%)

Args:

• cert (number, optional): Filter by institution CERT number

• repdte (string, optional): Report date in YYYYMMDD format

• filters (string, optional): Additional ElasticSearch query filters

• fields (string, optional): Comma-separated field names (the full set has 1,100+ fields)

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by

• sort_order ('ASC'|'DESC'): Sort direction (default: 'DESC' recommended for most recent first)

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and quarterly financial records.

Search for structural change events for FDIC-insured financial institutions.

Returns records on mergers, acquisitions, name changes, charter conversions, failures, and other significant structural events.

Common filter examples:

• History for a specific bank: CERT:3511

• Mergers: TYPE:merger

• Failures: TYPE:failure

• Name changes: CHANGECODE:CO (name change code)

• By date range: PROCDATE:[2008-01-01 TO 2009-12-31]

• By state: PSTALP:CA

Key returned fields:

• CERT: FDIC Certificate Number

• INSTNAME: Institution name

• CLASS: Charter class at time of change

• PCITY, PSTALP: Location (city, state abbreviation)

• PROCDATE: Processing date of the change

• EFFDATE: Effective date of the change

• ENDEFYMD: End effective date

• PCERT: Predecessor/successor CERT (for mergers)

• TYPE: Type of structural change

• CHANGECODE: Code for type of change

• CHANGECODE_DESC: Description of change code

• INSDATE: Insurance date

Args:

• cert (number, optional): Filter by institution CERT number

• filters (string, optional): ElasticSearch query filters

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by (e.g., PROCDATE)

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and event records.

Search for FDIC-insured financial institutions (banks and savings institutions) using flexible filters.

Returns institution profile data including name, location, charter class, asset size, deposit totals, profitability metrics, and regulatory status.

Common filter examples:

• By state: STNAME:"California"

• Active banks only: ACTIVE:1

• Large banks: ASSET:[10000000 TO *] (assets in $thousands)

• By bank class: BKCLASS:N (national bank), BKCLASS:SM (state member bank), BKCLASS:NM (state non-member)

• By name: NAME:"Wells Fargo"

• Commercial banks: CB:1

• Savings institutions: MUTUAL:1

• Recently established: ESTYMD:[2010-01-01 TO *]

Key returned fields:

• CERT: FDIC Certificate Number (unique ID)

• NAME: Institution name

• CITY, STALP, STNAME: Location

• ASSET: Total assets ($thousands)

• DEP: Total deposits ($thousands)

• BKCLASS: Charter class code

• ACTIVE: 1 if currently active, 0 if inactive

• ROA, ROE: Profitability ratios

• OFFICES: Number of branch offices

• ESTYMD: Establishment date

• REGAGNT: Primary federal regulator

Args:

• filters (string, optional): ElasticSearch query filter

• fields (string, optional): Comma-separated field names

• limit (number): Records to return, 1-10000 (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and institution records.

Search for branch locations of FDIC-insured financial institutions.

Returns branch/office data including address, city, state, coordinates, branch type, and establishment date.

Common filter examples:

• All branches of a bank: CERT:3511

• By state: STALP:TX

• By city: CITY:"Austin"

• Main offices only: BRNUM:0

• By county: COUNTY:"Travis"

• Active branches: ENDEFYMD:[9999-01-01 TO *]

• By CBSA (metro area): CBSA_METRO_NAME:"New York-Newark-Jersey City"

Key returned fields:

• CERT: FDIC Certificate Number

• UNINAME: Institution name

• NAMEFULL: Full branch name

• ADDRESS, CITY, STALP, ZIP: Branch address

• COUNTY: County name

• BRNUM: Branch number (0 = main office)

• BRSERTYP: Branch service type

• LATITUDE, LONGITUDE: Geographic coordinates

• ESTYMD: Branch established date

• ENDEFYMD: Branch end date (9999-12-31 if still active)

Args:

• cert (number, optional): Filter by institution CERT number

• filters (string, optional): Additional ElasticSearch query filters

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and branch location records.

Search annual Summary of Deposits (SOD) data for individual bank branches.

The SOD report provides annual deposit data at the branch level, showing deposit balances for each office of every FDIC-insured institution as of June 30 each year.

Common filter examples:

• All branches for a bank: CERT:3511

• SOD for specific year: YEAR:2022

• Branches in a state: STALPBR:CA

• Branches in a city: CITYBR:"Austin"

• High-deposit branches: DEPSUMBR:[1000000 TO *]

• By metro area: MSANAMEBR:"Dallas-Fort Worth-Arlington"

Key returned fields:

• YEAR: Report year (as of June 30)

• CERT: FDIC Certificate Number

• BRNUM: Branch number (0 = main office)

• UNINAME: Institution name

• NAMEFULL: Full branch name

• ADDRESBR, CITYBR, STALPBR, ZIPBR: Branch address

• CNTYBR: County

• DEPSUMBR: Total deposits at branch ($thousands)

• MSABR: Metropolitan Statistical Area code

• MSANAMEBR: MSA name

• LATITUDE, LONGITUDE: Coordinates

Args:

• cert (number, optional): Filter by institution CERT number

• year (number, optional): SOD report year (1994-present)

• filters (string, optional): Additional ElasticSearch query filters

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by (e.g., DEPSUMBR, YEAR)

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and deposit records.

Search aggregate financial and structure summary data subtotaled by year for FDIC-insured institutions.

Returns annual snapshots of key financial metrics — useful for tracking an institution's growth over time.

Common filter examples:

• Annual history for a bank: CERT:3511

• Specific year: YEAR:2022

• Year range: YEAR:[2010 TO 2020]

• Large banks in 2022: YEAR:2022 AND ASSET:[10000000 TO *]

• Profitable in 2023: YEAR:2023 AND ROE:[10 TO *]

Key returned fields:

• CERT: FDIC Certificate Number

• YEAR: Report year

• ASSET: Total assets ($thousands)

• DEP: Total deposits ($thousands)

• NETINC: Net income ($thousands)

• ROA: Return on assets (%)

• ROE: Return on equity (%)

• OFFICES: Number of branch offices

• REPDTE: Report date

Args:

• cert (number, optional): Filter by institution CERT number

• year (number, optional): Filter by specific year (1934-present)

• filters (string, optional): Additional ElasticSearch query filters

• fields (string, optional): Comma-separated field names

• limit (number): Records to return (default: 20)

• offset (number): Pagination offset (default: 0)

• sort_by (string, optional): Field to sort by (e.g., YEAR, ASSET)

• sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')

Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and annual summary records.