Fintech Intel

Fintech Bank Health Check

fintech_bank_health_check

Read-onlyIdempotent

Assess a bank's financial health, risk profile, and regulatory status by name (e.g., "JPMorgan Chase"). Returns FDIC data, balance sheets, compliance status, failure risk, and consumer complaints.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`bank_name`	Yes	Bank name to analyze

Output Schema

TableJSON Schema

Name	Required	Description
`analysis`	Yes	Analysis type identifier
`bank_name`	Yes	Bank name analyzed
`financials`	Yes	Bank financial statements or null if not found/unavailable
`industry_summary`	Yes	FDIC industry summary statistics or null if unavailable
`institution_search`	Yes	FDIC institution search results or null if unavailable
`consumer_complaints`	Yes	CFPB consumer complaints against bank or null if unavailable
`recent_failures_industry`	Yes	Recent banking industry failures or null if unavailable

Schema Changelog

Changes observed during successful MCP inspections. Dates show when Glama detected each change.

Changed1 schema field changedMay 8, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "properties": {
+    "analysis": {
+      "description": "Analysis type identifier",
+      "type": "string"
+    },
+    "bank_name": {
+      "description": "Bank name analyzed",
+      "type": "string"
+    },
+    "consumer_complaints": {
+      "description": "CFPB consumer complaints against bank or null if unavailable",
+      "type": [
+        "object",
+        "null"
+      ]
+    },
+    "financials": {
+      "description": "Bank financial statements or null if not found/unavailable",
+      "type": [
+        "object",
+        "null"
+      ]
+    },
+    "industry_summary": {
+      "description": "FDIC industry summary statistics or null if unavailable",
+      "type": [
+        "object",
+        "null"
+      ]
+    },
+    "institution_search": {
+      "description": "FDIC institution search results or null if unavailable",
+      "type": [
+        "object",
+        "null"
+      ]
+    },
+    "recent_failures_industry": {
+      "description": "Recent banking industry failures or null if unavailable",
+      "type": [
+        "object",
+        "null"
+      ]
+    }
+  },
+  "required": [
+    "analysis",
+    "bank_name",
+    "institution_search",
+    "financials",
+    "recent_failures_industry",
+    "consumer_complaints",
+    "industry_summary"
+  ],
+  "type": "object"
+}

Changed1 schema field changedMay 6, 2026

addedInput schema / examples

Added value: +[
+  {
+    "bank_name": "JPMorgan Chase"
+  },
+  {
+    "bank_name": "Bank of America"
+  }
+]

First observedApr 22, 2026

TDQS

A3.8/5.0

Behavior4/5

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

Annotations already declare readOnlyHint, idempotentHint, and destructiveHint false, so the safety profile is clear. The description adds useful behavioral context by listing the types of data returned (FDIC data, balance sheets, compliance status, failure risk, consumer complaints), which helps the agent set expectations. No contradictions with annotations.

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

Conciseness5/5

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

The description is a single, well-structured sentence that front-loads the action ('Assess') and includes the key output categories. No filler or redundancy.

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?

Given the tool's simplicity (one parameter, strong annotations, output schema present), the description provides adequate context including expected return content. It doesn't mention potential limitations like US-only coverage or data availability, but these are minor given the FDIC reference. Overall, it's complete for typical use.

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

Parameters3/5

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

The input schema already fully describes the single parameter (bank_name) with 100% coverage. The description merely adds an example and restates 'by name', which adds marginal value beyond the schema. Baseline of 3 is appropriate.

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

Purpose4/5

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

The description clearly states the tool's purpose with a specific verb ('Assess') and resource ('bank's financial health, risk profile, and regulatory status'). An example is provided. However, it does not distinguish this tool from sibling tools like 'fintech_company_deep_dive' or 'entity_profile', so it falls short of a 5.

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 for bank health assessment by name, but provides no explicit guidance on when to use this tool versus siblings such as 'fintech_company_deep_dive' or 'entity_profile'. No exclusions or alternative recommendations are given, so it only meets the baseline for implied usage.

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

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