The /fdic-bank-deep-dive command produces a comprehensive single-institution report by chaining nine MCP tools into ten structured sections. It works for both active and inactive (failed or merged) institutions.

This is a Claude Code skill, not an MCP tool. It requires Claude Code with the plugin installed. If you are using another MCP client, you can achieve similar results by prompting the individual MCP tools directly — see Choose a Workflow.

When to Use It

• You want a full-picture assessment of one institution without constructing a multi-step prompt.
• You need a structured report covering health, financials, peers, credit, funding, securities, franchise, and economic context.
• You are analyzing an inactive institution and want the skill to automatically scope to the last reported quarter.

When Not to Use It

• Screening multiple banks: Use Portfolio Surveillance instead.
• Reconstructing a failure timeline: Use Failure Forensics instead.
• Adding examiner knowledge: Run the deep dive first, then use Examiner Support to overlay qualitative inputs.
• Quick single-tool lookup: If you only need one piece of data (financials, health score, peer rank), prompt the relevant MCP tool directly.

Inputs

Input	Required	Description
Institution identity	Yes	Bank name or FDIC CERT number
Report date (repdte)	No	Quarter-end date in YYYYMMDD format. Defaults to the latest available quarter. For inactive institutions, defaults to the last reported quarter.

Examples

/fdic-bank-deep-dive Coastal Community Bank

/fdic-bank-deep-dive 34403

/fdic-bank-deep-dive Signature Bank 20221231

What Output to Expect

A ten-section narrative report:

Section	Contents
1. Institution Profile	Name, CERT, location, charter class, regulator, holding company, active status
2. Health Assessment	CAMELS-proxy composite and component scores, overall band, PCA capital classification, management overlay, risk signals
3. Financial Performance	Key ratios (ROA, ROE, NIM, efficiency), income and expense trends, quarter-over-quarter changes
4. Peer Benchmarking	Rank against auto-derived peers on assets, ROA, efficiency, loan-to-deposit, and other metrics with percentiles
5. Credit & Concentration	Loan portfolio composition, CRE and construction concentrations relative to capital, interagency guidance flags
6. Funding & Liquidity	Core vs. brokered deposits, wholesale funding reliance, FHLB advances, cash ratio, funding risk signals
7. Securities Portfolio	Securities-to-assets ratio, MBS concentration, securities-to-capital, interest rate exposure signals
8. Geographic Franchise	Branch count and deposit distribution across MSAs from Summary of Deposits data
9. Economic Context	State and national unemployment, federal funds rate, rate environment classification
10. Summary	Key findings, strengths, concerns, and recommended follow-up areas

If data for a section is unavailable, the skill narrates the gap rather than omitting the section.

At the end, the skill offers to save the report to a file.

Key Caveats

• Quarterly data basis: Most sections use quarterly Call Report data identified by REPDTE. The franchise section uses annual Summary of Deposits data (as of June 30). The report states the date basis for each section.
• Dollar amounts: FDIC financials are in thousands of dollars unless otherwise noted.
• Publication lag: FDIC data becomes available approximately 90 days after the quarter-end date. The skill warns if the effective report date is more than 120 days old.
• Inactive institutions: The skill automatically detects inactive status and scopes the analysis to the institution’s last reported quarter. SOD data may not be available for institutions that ceased reporting before the most recent June 30.
• Proxy, not regulatory: Health assessments are public-data analytical proxies, not official CAMELS ratings. Management (M) is inferred from patterns, not from examination findings. Sensitivity (S) uses proxy metrics (NIM trend, securities concentration).
• Peer group size: If fewer than 10 peers match the auto-derived criteria, the skill widens the asset band and notes the expanded peer set.

Under the Hood

The skill orchestrates these MCP tools:

Tool	Purpose
fdic_search_institutions / fdic_get_institution	Resolve identity, confirm CERT, detect active status
fdic_analyze_bank_health	CAMELS-proxy health assessment with trend analysis
fdic_ubpr_analysis	UBPR-equivalent ratio report for financial performance
fdic_peer_group_analysis	Peer benchmarking with percentile rankings
fdic_analyze_credit_concentration	Loan portfolio and CRE concentration risk
fdic_analyze_funding_profile	Deposit composition and funding risk
fdic_analyze_securities_portfolio	Securities holdings and concentration
fdic_franchise_footprint	Branch network and deposit distribution by market
fdic_regional_context	Macro/regional economic backdrop

Tools are categorized by dependency tier. Hard-dependency tools (institution lookup, health assessment) must succeed or the skill stops. Soft-dependency tools (peer benchmarking, regional context) degrade gracefully — the section notes the gap. Context tools (franchise, securities) are silently omitted if unavailable.