This page is a reference for the MCP tools provided by this server. All tools work in any MCP client — Claude Desktop, ChatGPT, Gemini CLI, GitHub Copilot CLI, and others.

For guided multi-tool workflows available in Claude Code, see Skills. For help choosing between tools and skills, see Choose a Workflow.

Search and Lookup Tools

Tool	Use It When	Notes
search	ChatGPT needs citation-friendly retrieval results across institutions, failures, branches, or schema docs	Standard MCP retrieval shape for ChatGPT company knowledge and deep research compatibility
fetch	ChatGPT needs full citation text for an item returned by search	Accepts ids such as institution:<CERT>, failure:<CERT>, branch:<id>, and schema:<endpoint>
fdic_search_institutions	You need institution search results by name, state, status, asset size, or other details	Good default entry point for bank discovery
fdic_get_institution	You already know the FDIC CERT and need one institution record	Best for direct bank lookup
fdic_search_failures	You need failed-bank records, failure dates, costs, or resolution details	Use when the question is specifically about bank failures
fdic_get_institution_failure	You already know the failed institution CERT and want a direct lookup	Best for one failed-bank record
fdic_search_locations	You need branch or office locations for one bank or a geography	Useful for office-level footprint questions
fdic_search_history	You need structural-change records such as mergers or name changes	Use when the question is about institution history

Financial and Deposit Datasets

Tool	Use It When	Data Cadence
fdic_search_financials	You need quarterly Call Report data	Quarterly — identified by REPDTE (YYYYMMDD). Quarter-end dates: 0331, 0630, 0930, 1231.
fdic_search_summary	You need annual summary data	Annual — identified by YEAR. Different from branch-level SOD data.
fdic_search_sod	You need Summary of Deposits branch-level deposit data	Annual — as of June 30 each year. Branch-level, not institution-level.
fdic_search_demographics	You need quarterly demographics or market-structure fields, including office counts	Quarterly — useful for office-count comparisons and geography context.

All financial amounts are in thousands of dollars unless otherwise noted.

Analysis Tools

Tool	Use It When	Notes
fdic_compare_bank_snapshots	You want to compare multiple banks across two quarterly report dates or over a quarterly time series	Best for growth, profitability, branch-count, and trend analysis
fdic_peer_group_analysis	You want to benchmark one institution against a peer group at a single report date	Best for ranking a bank against comparable institutions. Auto-derives peer criteria from the subject’s asset size and charter class.
fdic_qbp_lite_data	You want chart-ready data for a concise QBP Lite report	Aggregates public quarterly BankFind financials into executive snapshot metrics, trend series, portfolio credit-quality data, capital ratios, community-bank comparisons, and explicit exclusions for non-reproducible QBP items.

Health and Risk Analysis Tools

Tool	Use It When	Notes
fdic_analyze_bank_health	You want a CAMELS-style health assessment for a single institution	public_camels_proxy_v1 assessment with overall band, PCA capital categorization, management overlay, and trend analysis
fdic_show_bank_deep_dive	You want a ChatGPT app dashboard for a single institution	Returns dashboard-ready structured content and links to the embedded Bank Deep Dive widget
fdic_compare_peer_health	You want to rank a group of institutions by health scores	Ranks peers by proxy scores with percentiles and outlier flags for the subject institution
fdic_detect_risk_signals	You want to scan institutions for early warning indicators	Flags critical and warning-level issues with standardized signal codes

These tools produce analytical assessments based on public financial data. They are not official regulatory CAMELS ratings or confidential supervisory conclusions.

Credit, Funding, and Securities Detail Tools

Tool	Use It When	Notes
fdic_analyze_credit_concentration	You want loan portfolio composition and CRE concentration risk	Flags CRE and construction concentrations per interagency guidance thresholds (300% / 100% of capital)
fdic_analyze_funding_profile	You want deposit composition, wholesale funding reliance, and liquidity metrics	Flags brokered deposit reliance, low core deposits, and FHLB dependence
fdic_analyze_securities_portfolio	You want securities holdings breakdown and concentration risk	Flags high securities-to-assets, securities-to-capital, and MBS concentration

UBPR-Equivalent Analysis

Tool	Use It When	Notes
fdic_ubpr_analysis	You want a comprehensive ratio report with summary, loan mix, capital, liquidity, and growth rates	Computes UBPR-equivalent ratios from Call Report data. Not official FFIEC UBPR output.

Market Share and Franchise Tools

Tool	Use It When	Notes
fdic_market_share_analysis	You want deposit market share and HHI concentration for an MSA or city market	Requires a numeric MSABR code or city + state. Uses annual SOD data. Use fdic_search_sod to look up MSABR codes.
fdic_franchise_footprint	You want one institution’s branch network across all its markets	Shows deposit totals and branch counts grouped by MSA from SOD data

Holding Company Tools

Tool	Use It When	Notes
fdic_holding_company_profile	You want all subsidiaries under a holding company with aggregated financials	Look up by HC name or any subsidiary CERT

Regional Economic Context

Tool	Use It When	Notes
fdic_regional_context	You want macro/regional economic context for a bank’s operating environment	Uses FRED data for unemployment and rate trends. Gracefully degrades if FRED is unavailable.

Data Basis Reference

Dataset	Cadence	Date Field	Dollar Units
Call Reports (financials, demographics)	Quarterly	REPDTE (YYYYMMDD)	Thousands
Summary data	Annual	YEAR	Thousands
Summary of Deposits (SOD)	Annual (June 30)	YEAR	Thousands
Institution profiles	Current	—	Thousands
Failure records	Event-based	FAILDATE	Thousands

Publication lag: FDIC data is typically available approximately 90 days after the reporting period.

Do not mix quarterly and annual data in a single prompt without acknowledging the different date bases. For more on date handling, see the Prompting Guide.