fdic_search_institutions

Search FDIC-insured banks and savings institutions using filters for location, asset size, charter class, and regulatory status to find financial institution data.

Instructions

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.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`filters`	No	FDIC API filter using ElasticSearch query string syntax. Combine conditions with AND/OR, use quotes for multi-word values, and [min TO max] for ranges (* = unbounded). Common fields: NAME (institution name), STNAME (state name), STALP (two-letter state code), CERT (certificate number), ASSET (total assets in $thousands), ACTIVE (1=active, 0=inactive). Examples: STNAME:"California", ACTIVE:1 AND ASSET:[1000000 TO *], NAME:"Chase"
`fields`	No	Comma-separated list of FDIC field names to return. Leave empty to return all fields. Field names are ALL_CAPS (e.g., NAME, CERT, ASSET, DEP, STALP). Example: NAME,CERT,ASSET,DEP,STALP
`limit`	No	Maximum number of records to return (1-10000, default: 20)
`offset`	No	Number of records to skip for pagination (default: 0)
`sort_by`	No	Field name to sort results by. Example: ASSET, NAME, FAILDATE
`sort_order`	No	Sort direction: ASC (ascending) or DESC (descending)	ASC

Implementation Reference

src/tools/institutions.ts:71-100 (handler)

The handler function that executes the fdic_search_institutions tool logic.

async (params) => {
  try {
    const response = await queryEndpoint(ENDPOINTS.INSTITUTIONS, params);
    const records = extractRecords(response);
    const pagination = buildPaginationInfo(
      response.meta.total,
      params.offset ?? 0,
      records.length,
    );
    const output = { ...pagination, institutions: records };
    const text = truncateIfNeeded(
      formatSearchResultText("institutions", records, pagination, [
        "CERT",
        "NAME",
        "CITY",
        "STALP",
        "ASSET",
        "ACTIVE",
      ]),
      CHARACTER_LIMIT,
      "Request fewer fields, narrow your filters, or paginate with limit/offset.",
    );
    return {
      content: [{ type: "text", text }],
      structuredContent: output,
    };
  } catch (err) {
    return formatToolError(err);
  }
},

src/tools/institutions.ts:15-70 (registration)

The registration of the fdic_search_institutions tool.

  server.registerTool(
    "fdic_search_institutions",
    {
      title: "Search FDIC Institutions",
      description: `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.`,
      inputSchema: CommonQuerySchema,
      annotations: {
        readOnlyHint: true,
        destructiveHint: false,
        idempotentHint: true,
        openWorldHint: true,
      },
    },

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