FDIC BankFind Server

fdic-mcp-server is an MCP (Model Context Protocol) server for the FDIC BankFind Suite API. It gives LLM hosts a clean way to search FDIC-insured institutions, retrieve public banking records, and run common multi-bank analysis workflows without custom FDIC API plumbing.

It is useful when you want an MCP-compatible client to answer questions about banks, failures, branches, quarterly financials, deposit data, or peer performance using a stable tool surface and machine-readable responses.

Table Of Contents

• Project Status
• Why This Project Exists
• Documentation
• Installation
• Usage
• Available Tools
• Data Notes
• Support
• Contributing
• License

Project Status

Active development. The server is usable today and the tool surface is covered by tests, but the project is still evolving as client support and analysis workflows improve.

Why This Project Exists

The FDIC BankFind Suite API is public and useful, but it is not packaged for MCP clients out of the box. This project solves that by:

• exposing BankFind datasets as MCP tools
• preserving both human-readable and machine-readable responses
• adding server-side analysis helpers for multi-bank comparison workflows
• supporting both local stdio hosts and remote HTTP hosts

Documentation

Public user docs:

• User’s Guide

Repo reference docs:

• Reference home
• Technical specification
• Architecture
• Key decisions
• Cloud Run deployment
• Plans and design notes

Project and release info:

• Release history
• Archived release notes
• Security policy

Installation

Prerequisites:

• Node.js 20 or later
• npm

Run directly without a global install:

npx fdic-mcp-server

Install globally:

npm install -g fdic-mcp-server
fdic-mcp-server

Install from GitHub Packages:

npm install -g @jflamb/fdic-mcp-server --registry=https://npm.pkg.github.com
fdic-mcp-server

Install from source:

git clone https://github.com/jflamb/fdic-mcp-server.git
cd fdic-mcp-server
npm install
npm run build

Usage

Hosted Endpoint

If your MCP host supports remote MCP URLs, use:

https://bankfind.jflamb.com/mcp

Run Locally

Stdio transport:

node dist/index.js

HTTP transport:

TRANSPORT=http PORT=3000 node dist/index.js

The HTTP MCP endpoint is http://127.0.0.1:3000/mcp by default.

Notes:

• Local HTTP runs bind to 127.0.0.1 by default. Set HOST if you intentionally want a different bind address.
• Browser-origin requests are checked against ALLOWED_ORIGINS. If unset, the server allows the local defaults for localhost and 127.0.0.1 on the configured port, plus non-browser requests with no Origin header.
• The HTTP transport is session-based. Clients initialize once, then reuse MCP-Session-Id on later POST, GET, and DELETE requests.

Container builds use PORT=8080 by default for Cloud Run compatibility.

Set FDIC_MAX_RESPONSE_BYTES to override the upstream FDIC response-size guard. The default is 5242880 bytes (5 MiB).

Minimal MCP Configuration

{
  "mcpServers": {
    "fdic": {
      "command": "npx",
      "args": ["-y", "fdic-mcp-server"]
    }
  }
}

If you are running from a local clone instead of the published package:

{
  "mcpServers": {
    "fdic": {
      "command": "node",
      "args": ["/path/to/fdic-mcp-server/dist/index.js"]
    }
  }
}

Client-specific setup details are in docs/clients.md.

Usage Examples

Find active banks in North Carolina with assets over $1 billion:

filters: STNAME:"North Carolina" AND ACTIVE:1 AND ASSET:[1000000 TO *]

Get the 10 costliest bank failures since January 1, 2000:

filters: FAILDATE:[2000-01-01 TO *]
sort_by: COST
sort_order: DESC
limit: 10

Compare North Carolina banks between two quarterly report dates:

state: North Carolina
start_repdte: 20211231
end_repdte: 20250630
sort_by: asset_growth
sort_order: DESC
(fdic_compare_bank_snapshots)

Build a peer group for a specific bank:

cert: 29846
repdte: 20241231
(fdic_peer_group_analysis)

More examples are in docs/usage-examples.md.

Available Tools

Tool	Description
search	ChatGPT-compatible citation search across institutions, failures, branches, and schema docs
fetch	Fetch full citation text for a result returned by search
fdic_search_institutions	Search FDIC-insured banks and savings institutions
fdic_get_institution	Get details for a specific institution by CERT number
fdic_search_failures	Search failed bank records
fdic_get_institution_failure	Get failure details for a specific institution
fdic_search_locations	Search branch and office locations
fdic_search_history	Search structural change events such as mergers and name changes
fdic_search_financials	Search quarterly Call Report financial data
fdic_search_summary	Search annual financial summary data
fdic_search_sod	Search Summary of Deposits branch-level deposit data
fdic_search_demographics	Search quarterly demographics and market-structure data
fdic_compare_bank_snapshots	Compare two reporting snapshots across banks and rank growth and profitability changes
fdic_peer_group_analysis	Build a peer group and rank an institution against peers on financial metrics
fdic_analyze_bank_health	Run a CAMELS-style health assessment for a single institution
fdic_show_bank_deep_dive	Render a ChatGPT bank deep-dive dashboard for a single institution
fdic_ubpr_analysis	Run a UBPR-equivalent ratio analysis (ROA, ROE, NIM, efficiency, capital, liquidity, growth)
fdic_compare_peer_health	Rank a group of institutions by CAMELS-style health scores
fdic_detect_risk_signals	Scan institutions for early warning risk indicators
fdic_analyze_credit_concentration	Analyze loan portfolio composition and CRE/construction concentration relative to capital
fdic_analyze_funding_profile	Analyze deposit composition, wholesale funding reliance, and funding risk signals
fdic_analyze_securities_portfolio	Analyze securities portfolio size, MBS concentration, and interest rate exposure
fdic_franchise_footprint	Map branch and deposit distribution across MSA markets using SOD data
fdic_market_share_analysis	Rank institutions by deposit market share in an MSA or city market and compute HHI
fdic_holding_company_profile	Profile a holding company and its FDIC-insured subsidiaries with aggregated metrics
fdic_regional_context	Provide regional economic context (unemployment, interest rate environment) for a bank's market

Server-side analysis helpers:

• fdic_compare_bank_snapshots batches roster lookup, financial snapshots, and optional demographics snapshots inside the MCP server
• fdic_peer_group_analysis builds a peer group from asset size, charter class, and geography criteria and then ranks an institution against peers
• fdic_analyze_bank_health returns a full public_camels_proxy_v1 proxy assessment; fdic_compare_peer_health returns per-institution summary scores with a full proxy for the subject; fdic_detect_risk_signals uses the proxy engine to generate per-institution risk signals — all are analytical proxies, not official regulatory CAMELS ratings

Claude Code Skills

This repository includes a Claude Code slash command that chains multiple FDIC MCP tools into a structured analysis workflow.

Skill	Command	Description
Bank Deep Dive	/fdic-bank-deep-dive	Comprehensive single-institution analysis report covering health assessment, financial performance, peer benchmarking, credit concentration, funding profile, securities portfolio, franchise footprint, and economic context. Accepts a bank name or CERT number with an optional report date.

Skills are defined in .claude/commands/ and are available to any Claude Code session with this MCP server configured. See docs/usage-examples.md for a usage example.

Data Notes

• Monetary values are generally reported in thousands of dollars.
• CERT is the stable FDIC institution identifier.
• Financial and demographics datasets are quarterly and use REPDTE in YYYYMMDD.
• Summary data is annual and uses YEAR.
• SOD data is annual branch-level data as of June 30.
• Do not mix quarterly financial data and annual branch data without stating the date basis.

Support

Use the GitHub issue tracker for bugs, documentation problems, and feature requests: https://github.com/jflamb/fdic-mcp-server/issues

The main support docs are:

• docs/support.md
• docs/prompting-guide.md
• docs/usage-examples.md
• docs/troubleshooting.md
• SECURITY.md

Contributing

Contributor guidance lives in CONTRIBUTING.md.

For local validation, run:

npm run typecheck
npm test
npm run build

Releases are published automatically from validated main commits by semantic-release. Do not manually edit the package version or create release tags by hand. GitHub Releases is the authoritative release record for published versions.

License

This project is licensed under the MIT License.