| fdic_search_institutions | 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 $thousands) By bank class: BKCLASS:N (national bank), BKCLASS:SM (state member bank), BKCLASS:NM (state non-member) By name: NAME:"Wells Fargo" Commercial banks: CB:1 Savings institutions: MUTUAL:1 Recently established: ESTYMD:[2010-01-01 TO *]
Charter class codes (BKCLASS):
N = National commercial bank (OCC-supervised)
SM = State-chartered, Federal Reserve member
NM = State-chartered, non-member (FDIC-supervised)
SB = Federal savings bank (OCC-supervised)
SA = State savings association
OI = Insured branch of foreign bank Key returned fields: CERT: FDIC Certificate Number (unique ID) NAME: Institution name CITY, STALP (two-letter state code), STNAME (full state name): Location ASSET: Total assets ($thousands) DEP: Total deposits ($thousands) BKCLASS: Charter class code (see above) ACTIVE: 1 if currently active, 0 if inactive ROA, ROE: Profitability ratios OFFICES: Number of branch offices ESTYMD: Establishment date (YYYY-MM-DD) REGAGNT: Primary federal regulator (OCC, FRS, FDIC)
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. |
| fdic_get_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. |
| fdic_search_failures | 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 (two-letter state code) 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:"PURCHASE AND ASSUMPTION" Large failures by cost: COST:[100000 TO *] (cost in $thousands) By name: NAME:"Washington Mutual"
Resolution types (RESTYPE):
PAYOFF = depositors paid directly, no acquirer
PURCHASE AND ASSUMPTION = acquirer buys assets and assumes deposits
PAYOUT = variant of payoff with insured-deposit transfer Key returned fields: CERT: FDIC Certificate Number NAME: Institution name CITY, STALP (two-letter state code), STNAME (full state name): Location FAILDATE: Date of failure (YYYY-MM-DD) SAVR: Savings association flag (SA) or bank (BK) RESTYPE: Resolution type (see above) QBFASSET: Total assets at failure ($thousands) COST: Estimated cost to FDIC Deposit Insurance Fund ($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. |
| fdic_get_institution_failure | 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. |
| fdic_search_locations | 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 (two-letter state code) By city: CITY:"Austin" Main offices only: BRNUM:0 By county: COUNTY:"Travis" Active branches only: ENDEFYMD:[9999-01-01 TO *] (sentinel date 9999-12-31 means still open) By metro area (CBSA): CBSA_METRO_NAME:"New York-Newark-Jersey City"
Branch service types (BRSERTYP):
11 = Full service brick and mortar
12 = Full service retail
21 = Limited service administrative
22 = Limited service military
23 = Limited service drive-through
24 = Limited service loan production
25 = Limited service consumer/trust
26 = Limited service Internet/mobile
29 = Limited service other Key returned fields: CERT: FDIC Certificate Number UNINAME: Institution name NAMEFULL: Full branch name ADDRESS, CITY, STALP (two-letter state code), ZIP: Branch address COUNTY: County name BRNUM: Branch number (0 = main office) BRSERTYP: Branch service type code (see above) LATITUDE, LONGITUDE: Geographic coordinates ESTYMD: Branch established date (YYYY-MM-DD) 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. |
| fdic_search_history | 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 By date range: PROCDATE:[2008-01-01 TO 2009-12-31] By state: PSTALP:CA (two-letter state code)
Event types (TYPE):
merger = institution was merged into another
failure = institution failed
assistance = received FDIC assistance transaction
insurance = insurance-related event (new coverage, termination) Common change codes (CHANGECODE):
CO = name change
CR = charter conversion
DC = deposit assumption change
MA = merger/acquisition (absorbed by another institution)
NI = new institution insured
TC = trust company conversion Key returned fields: CERT: FDIC Certificate Number INSTNAME: Institution name CLASS: Charter class at time of change PCITY, PSTALP: Location (city, two-letter state code) PROCDATE: Processing date of the change (YYYY-MM-DD) EFFDATE: Effective date of the change (YYYY-MM-DD) ENDEFYMD: End effective date PCERT: Predecessor/successor CERT (for mergers) TYPE: Type of structural change (see above) CHANGECODE: Code for type of change (see above) CHANGECODE_DESC: Human-readable description of the 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. |
| fdic_search_financials | 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 — the last day of the quarterly reporting period (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 ($thousands) ROA: Return on assets (%) ROE: Return on equity (%) NETNIM: Net interest margin (%)
Args: cert (number, optional): Filter by institution CERT number repdte (string, optional): Report Date in YYYYMMDD format (quarter-end dates: 0331, 0630, 0930, 1231) filters (string, optional): Additional ElasticSearch query filters fields (string, optional): Comma-separated field names (the full set has 1,100+ fields) limit (number): Records to return (default: 20) offset (number): Pagination offset (default: 0) sort_by (string, optional): Field to sort by sort_order ('ASC'|'DESC'): Sort direction (default: 'DESC' recommended for most recent first)
Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and quarterly financial records. |
| fdic_search_summary | Search aggregate financial and structure summary data subtotaled by year for FDIC-insured institutions. Returns annual snapshots of key financial metrics — useful for tracking an institution's growth over time. Common filter examples: Annual history for a bank: CERT:3511 Specific year: YEAR:2022 Year range: YEAR:[2010 TO 2020] Large banks in 2022: YEAR:2022 AND ASSET:[10000000 TO *] Profitable in 2023: YEAR:2023 AND ROE:[10 TO *]
Key returned fields: CERT: FDIC Certificate Number YEAR: Report year ASSET: Total assets ($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 — the last day of the reporting period (YYYYMMDD)
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. |
| fdic_search_sod | 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. |
| fdic_search_demographics | 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 — the last day of the quarterly reporting period (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 (quarter-end dates: 0331, 0630, 0930, 1231) 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. |
| fdic_compare_bank_snapshots | 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 (REPDTE) in YYYYMMDD format — must be quarter-end dates (0331, 0630, 0930, 1231) 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 (default: asset_growth). All options: asset_growth, asset_growth_pct, dep_growth, dep_growth_pct, netinc_change, netinc_change_pct, roa_change, roe_change, offices_change, assets_per_office_change, deposits_per_office_change, deposits_to_assets_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. |
| fdic_peer_group_analysis | 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. |
