The /fdic-portfolio-surveillance command screens a defined universe of institutions, ranks them by emerging risk and relative health, and produces a decision-ready watchlist grouped into escalation tiers.

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 approximate this workflow by combining fdic_detect_risk_signals, fdic_compare_peer_health, and fdic_compare_bank_snapshots in sequence — see Choose a Workflow.

When to Use It

• You want to screen a group of banks (state, asset tier, or specific CERTs) for emerging concerns.
• You need a prioritized watchlist with explicit reasons for each escalation.
• You want follow-through analysis on the most concerning institutions without running separate deep-dive prompts.

When Not to Use It

• Analyzing a single institution: Use Bank Deep Dive instead.
• Reconstructing a failure: Use Failure Forensics instead.
• Quick risk scan without triage: Use fdic_detect_risk_signals directly for a flat list of flagged institutions.

Inputs

Input	Required	Description
Universe definition	Yes	State code (e.g., WY), asset range (e.g., $100M to $1B), or explicit CERT list
Report date (repdte)	No	Quarter-end date in YYYYMMDD format. Defaults to latest available quarter.
Comparison start date	No	Defaults to one year prior to report date.
Ranking emphasis	No	capital, earnings, funding, growth, or overall (default)
Limit	No	Max institutions in the ranked output. Default 25.

Examples

/fdic-portfolio-surveillance WY

/fdic-portfolio-surveillance banks with assets between $100M and $1B

/fdic-portfolio-surveillance CERTs 2232, 19184, 12591, 2208, 5442

/fdic-portfolio-surveillance NC, emphasis on funding stress, limit 10

What Output to Expect

A fixed-section report:

Section	Contents
1. Universe Definition	Scope, institution count, date parameters
2. Screening Summary	Signal distribution, health score range, trend overview
3. Ranked Watchlist	Three tiers with driver text for each institution
4. Escalated Institution Follow-Through	Detailed health and domain analysis for top 3 escalated banks
5. Caveats / Date Basis	Data staleness, peer set limitations, date basis transparency

Watchlist Tiers

Tier	Criteria
Escalate	Critical risk signals, weak health scores, persistent adverse trends
Monitor	Warning-level signals without critical issues, deteriorating but not yet critical
No Immediate Concern	Strong health, no signals, stable or improving trends

Each placement includes explicit reason codes — never opaque scores.

Key Caveats

• Quarterly data basis: Screening uses quarterly Call Report data. The report states the effective REPDTE and comparison window.
• Dollar amounts: FDIC financials are in thousands of dollars.
• Publication lag: Data is typically available ~90 days after quarter-end. The skill warns if the report date is more than 120 days old.
• Peer set size: If the universe produces fewer than 10 institutions, peer health comparisons are noted as limited.
• Mixed date bases: If the skill supplements quarterly data with annual SOD data, the date basis difference is stated explicitly.
• Screening scope: The skill focuses on screening and triage. It does not produce full narrative reports for every institution in the universe — only the top escalated banks receive detailed follow-through.
• Proxy, not regulatory: All health and risk assessments are public-data analytical proxies, not official supervisory ratings.

Under the Hood

The skill orchestrates these MCP tools:

Tool	Purpose
fdic_search_institutions	Build the screening universe
fdic_detect_risk_signals	Surface critical and warning-level signals per institution
fdic_compare_peer_health	Rank institutions by proxy composite and component scores
fdic_compare_bank_snapshots	Confirm trends via two-point financial comparison
fdic_analyze_bank_health	Detailed assessment for escalated institutions
fdic_analyze_funding_profile	Funding composition for escalated institutions with funding signals
fdic_analyze_credit_concentration	Credit concentration for escalated institutions with credit signals
fdic_ubpr_analysis	UBPR-equivalent ratios for escalated institutions
fdic_regional_context	Macro/regional economic backdrop

Hard-dependency tools (institution search, risk signals, peer health, snapshots) must succeed or the skill stops. Soft-dependency tools (regional context) degrade gracefully. Context tools (funding, credit, UBPR) are invoked only for escalated institutions when signals implicate those domains.