FDIC BankFind MCP Server

Search Summary of Deposits (SOD)

fdic_search_sod

Read-onlyIdempotent

Retrieve annual branch-level deposit data as of June 30 each year, including branch deposits and geographic distribution, filterable by certificate number or year.

Instructions

Use this when the user wants annual branch-level deposit data (SOD, as of June 30 each year) — branch deposits, MSAs, geographic distribution. Filter by CERT and/or year. See fdic://schemas/sod for the full field catalog.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`cert`	No	Filter by FDIC Certificate Number
`year`	No	Filter by specific year (1994-present). SOD data is annual.
`limit`	No	Maximum number of records to return (1-10000, default: 20)
`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
`offset`	No	Number of records to skip for pagination (default: 0)
`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"
`sort_by`	No	Field name to sort results by. Example: ASSET, NAME, FAILDATE
`sort_order`	No	Sort direction: ASC (ascending) or DESC (descending)	ASC

Output Schema

TableJSON Schema

Name	Required	Description	Default
`count`	Yes
`total`	Yes
`offset`	Yes
`deposits`	Yes
`has_more`	Yes
`truncated`	No
`next_offset`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed14 schema fields changedv3.0.1Sep 22, 2026
- changedInput schema / $schema
```
Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"
```
- addedInput schema / properties / cert / maximum
```
Added value: +9007199254740991
```
- addedInput schema / properties / offset / maximum
```
Added value: +9007199254740991
```
- addedInput schema / properties / year / maximum
```
Added value: +9007199254740991
```
- changedOutput schema / $schema
```
Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"
```
- addedOutput schema / properties / count / maximum
```
Added value: +9007199254740991
```
- addedOutput schema / properties / count / minimum
```
Added value: +-9007199254740991
```
- addedOutput schema / properties / deposits / items / propertyNames
```
Added value: +{
+  "type": "string"
+}
```
- addedOutput schema / properties / next_offset / maximum
```
Added value: +9007199254740991
```
- addedOutput schema / properties / next_offset / minimum
```
Added value: +-9007199254740991
```
- addedOutput schema / properties / offset / maximum
```
Added value: +9007199254740991
```
- addedOutput schema / properties / offset / minimum
```
Added value: +-9007199254740991
```
- addedOutput schema / properties / total / maximum
```
Added value: +9007199254740991
```
- addedOutput schema / properties / total / minimum
```
Added value: +-9007199254740991
```

Changed1 schema field changedv1.26.0May 1, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "$schema": "http://json-schema.org/draft-07/schema#",
+  "additionalProperties": false,
+  "properties": {
+    "count": {
+      "type": "integer"
+    },
+    "deposits": {
+      "items": {
+        "additionalProperties": {},
+        "type": "object"
+      },
+      "type": "array"
+    },
+    "has_more": {
+      "type": "boolean"
+    },
+    "next_offset": {
+      "type": "integer"
+    },
+    "offset": {
+      "type": "integer"
+    },
+    "total": {
+      "type": "integer"
+    },
+    "truncated": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "total",
+    "offset",
+    "count",
+    "has_more",
+    "deposits"
+  ],
+  "type": "object"
+}

First observedv1.1.3Mar 19, 2026

TDQS

A4.1/5.0

Behavior3/5

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

Annotations already declare readOnly, idempotent, openWorld, and non-destructive behavior, so the bar for additional disclosure is lower. The description adds the annual June 30 as-of context but does not disclose rate limits, pagination, or output behavior beyond what schema/annotations provide.

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?

Two terse sentences with no filler. The use-case trigger and core data characteristics lead, followed by a useful pointer to the full field catalog.

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

Completeness5/5

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

For a complex 8-parameter tool, the combination of rich schema descriptions, annotations, output schema, and the field-catalog pointer covers what an agent needs. The description additionally orients the agent to data vintage and branch-level granularity.

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?

Input schema coverage is 100% and every parameter has a meaningful description, so the baseline is 3. The description's 'Filter by CERT and/or year' mostly restates schema information, though it points to fdic://schemas/sod for the field catalog.

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 uses a clear use-case trigger ('Use this when the user wants...') and identifies the exact resource: annual branch-level Summary of Deposits data as of June 30. It further specifies content (branch deposits, MSAs, geographic distribution), which distinguishes it from FDIC financials, institutions, and failures siblings.

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

Usage Guidelines4/5

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

It states an explicit condition for when to use the tool (SOD/branch-deposit requests) and how to narrow it (CERT and/or year). It does not explicitly list when-not-to-use or point to alternative sibling tools, but the trigger is clear.

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