{
  "markdown": "# FDIC BankFind MCP Server\n\n`fdic-mcp-server` is an MCP (Model Context Protocol) server for the [FDIC BankFind Suite API](https://api.fdic.gov/banks/docs/). 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.\n\nIt 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.\n\n## Table Of Contents\n\n- [Project Status](#project-status)\n- [Why This Project Exists](#why-this-project-exists)\n- [Documentation](#documentation)\n- [Installation](#installation)\n- [Usage](#usage)\n- [Available Tools](#available-tools)\n- [Data Notes](#data-notes)\n- [Support](#support)\n- [Contributing](#contributing)\n- [License](#license)\n\n## Project Status\n\nActive 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.\n\n## Why This Project Exists\n\nThe 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:\n\n- exposing BankFind datasets as MCP tools\n- preserving both human-readable and machine-readable responses\n- adding server-side analysis helpers for multi-bank comparison workflows\n- supporting both local stdio hosts and remote HTTP hosts\n\n## Documentation\n\nPublic user docs:\n\n- [User&rsquo;s Guide](https://jflamb.github.io/fdic-mcp-server/)\n\nRepo reference docs:\n\n- [Reference home](./reference/README.md)\n- [Technical specification](./reference/specification.md)\n- [Architecture](./reference/architecture.md)\n- [Key decisions](./reference/decisions.md)\n- [Cloud Run deployment](./reference/cloud-run-deployment.md)\n- [Plans and design notes](./reference/plans/README.md)\n\nProject and release info:\n\n- [Release history](https://github.com/jflamb/fdic-mcp-server/releases)\n- [Archived release notes](./docs/release-notes/index.md)\n- [Security policy](./SECURITY.md)\n\n## Installation\n\nPrerequisites:\n\n- Node.js 20 or later\n- npm\n\nRun directly without a global install:\n\n```bash\nnpx fdic-mcp-server\n```\n\nInstall globally:\n\n```bash\nnpm install -g fdic-mcp-server\nfdic-mcp-server\n```\n\nInstall from GitHub Packages:\n\n```bash\nnpm install -g @jflamb/fdic-mcp-server --registry=https://npm.pkg.github.com\nfdic-mcp-server\n```\n\nInstall from source:\n\n```bash\ngit clone https://github.com/jflamb/fdic-mcp-server.git\ncd fdic-mcp-server\nnpm install\nnpm run build\n```\n\n## Usage\n\n### Hosted Endpoint\n\nIf your MCP host supports remote MCP URLs, use:\n\n```text\nhttps://bankfind.jflamb.com/mcp\n```\n\n### Run Locally\n\nStdio transport:\n\n```bash\nnode dist/index.js\n```\n\nHTTP transport:\n\n```bash\nTRANSPORT=http PORT=3000 node dist/index.js\n```\n\nThe HTTP MCP endpoint is `http://127.0.0.1:3000/mcp` by default.\n\nNotes:\n\n- Local HTTP runs bind to `127.0.0.1` by default. Set `HOST` if you intentionally want a different bind address.\n- 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.\n- The HTTP transport is session-based. Clients initialize once, then reuse `MCP-Session-Id` on later POST, GET, and DELETE requests.\n\nContainer builds use `PORT=8080` by default for Cloud Run compatibility.\n\nSet `FDIC_MAX_RESPONSE_BYTES` to override the upstream FDIC response-size guard. The default is `5242880` bytes (5 MiB).\n\n### Minimal MCP Configuration\n\n```json\n{\n  \"mcpServers\": {\n    \"fdic\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"fdic-mcp-server\"]\n    }\n  }\n}\n```\n\nIf you are running from a local clone instead of the published package:\n\n```json\n{\n  \"mcpServers\": {\n    \"fdic\": {\n      \"command\": \"node\",\n      \"args\": [\"/path/to/fdic-mcp-server/dist/index.js\"]\n    }\n  }\n}\n```\n\nClient-specific setup details are in [docs/clients.md](./docs/clients.md).\n\n### Usage Examples\n\nFind active banks in North Carolina with assets over $1 billion:\n\n```text\nfilters: STNAME:\"North Carolina\" AND ACTIVE:1 AND ASSET:[1000000 TO *]\n```\n\nGet the 10 costliest bank failures since January 1, 2000:\n\n```text\nfilters: FAILDATE:[2000-01-01 TO *]\nsort_by: COST\nsort_order: DESC\nlimit: 10\n```\n\nCompare North Carolina banks between two quarterly report dates:\n\n```text\nstate: North Carolina\nstart_repdte: 20211231\nend_repdte: 20250630\nsort_by: asset_growth\nsort_order: DESC\n(fdic_compare_bank_snapshots)\n```\n\nBuild a peer group for a specific bank:\n\n```text\ncert: 29846\nrepdte: 20241231\n(fdic_peer_group_analysis)\n```\n\nMore examples are in [docs/usage-examples.md](./docs/usage-examples.md).\n\n## Available Tools\n\n| Tool | Description |\n|------|-------------|\n| `search` | ChatGPT-compatible citation search across institutions, failures, branches, and schema docs |\n| `fetch` | Fetch full citation text for a result returned by `search` |\n| `fdic_search_institutions` | Search FDIC-insured banks and savings institutions |\n| `fdic_get_institution` | Get details for a specific institution by CERT number |\n| `fdic_search_failures` | Search failed bank records |\n| `fdic_get_institution_failure` | Get failure details for a specific institution |\n| `fdic_search_locations` | Search branch and office locations |\n| `fdic_search_history` | Search structural change events such as mergers and name changes |\n| `fdic_search_financials` | Search quarterly Call Report financial data |\n| `fdic_search_summary` | Search annual financial summary data |\n| `fdic_search_sod` | Search Summary of Deposits branch-level deposit data |\n| `fdic_search_demographics` | Search quarterly demographics and market-structure data |\n| `fdic_compare_bank_snapshots` | Compare two reporting snapshots across banks and rank growth and profitability changes |\n| `fdic_peer_group_analysis` | Build a peer group and rank an institution against peers on financial metrics |\n| `fdic_analyze_bank_health` | Run a CAMELS-style health assessment for a single institution |\n| `fdic_show_bank_deep_dive` | Render a ChatGPT bank deep-dive dashboard for a single institution |\n| `fdic_ubpr_analysis` | Run a UBPR-equivalent ratio analysis (ROA, ROE, NIM, efficiency, capital, liquidity, growth) |\n| `fdic_compare_peer_health` | Rank a group of institutions by CAMELS-style health scores |\n| `fdic_detect_risk_signals` | Scan institutions for early warning risk indicators |\n| `fdic_analyze_credit_concentration` | Analyze loan portfolio composition and CRE/construction concentration relative to capital |\n| `fdic_analyze_funding_profile` | Analyze deposit composition, wholesale funding reliance, and funding risk signals |\n| `fdic_analyze_securities_portfolio` | Analyze securities portfolio size, MBS concentration, and interest rate exposure |\n| `fdic_franchise_footprint` | Map branch and deposit distribution across MSA markets using SOD data |\n| `fdic_market_share_analysis` | Rank institutions by deposit market share in an MSA or city market and compute HHI |\n| `fdic_holding_company_profile` | Profile a holding company and its FDIC-insured subsidiaries with aggregated metrics |\n| `fdic_regional_context` | Provide regional economic context (unemployment, interest rate environment) for a bank's market |\n\nServer-side analysis helpers:\n\n- `fdic_compare_bank_snapshots` batches roster lookup, financial snapshots, and optional demographics snapshots inside the MCP server\n- `fdic_peer_group_analysis` builds a peer group from asset size, charter class, and geography criteria and then ranks an institution against peers\n- `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\n\n## Claude Code Skills\n\nThis repository includes a [Claude Code](https://claude.ai/claude-code) slash command that chains multiple FDIC MCP tools into a structured analysis workflow.\n\n| Skill | Command | Description |\n|-------|---------|-------------|\n| 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. |\n\nSkills are defined in `.claude/commands/` and are available to any Claude Code session with this MCP server configured. See [docs/usage-examples.md](./docs/usage-examples.md) for a usage example.\n\n## Data Notes\n\n- Monetary values are generally reported in thousands of dollars.\n- `CERT` is the stable FDIC institution identifier.\n- Financial and demographics datasets are quarterly and use `REPDTE` in `YYYYMMDD`.\n- Summary data is annual and uses `YEAR`.\n- SOD data is annual branch-level data as of June 30.\n- Do not mix quarterly financial data and annual branch data without stating the date basis.\n\n## Support\n\nUse the GitHub issue tracker for bugs, documentation problems, and feature requests: <https://github.com/jflamb/fdic-mcp-server/issues>\n\nThe main support docs are:\n\n- [docs/support.md](./docs/support.md)\n- [docs/prompting-guide.md](./docs/prompting-guide.md)\n- [docs/usage-examples.md](./docs/usage-examples.md)\n- [docs/troubleshooting.md](./docs/troubleshooting.md)\n- [SECURITY.md](./SECURITY.md)\n\n## Contributing\n\nContributor guidance lives in [CONTRIBUTING.md](./CONTRIBUTING.md).\n\nFor local validation, run:\n\n```bash\nnpm run typecheck\nnpm test\nnpm run build\n```\n\nReleases 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.\n\n## License\n\nThis project is licensed under the MIT License.",
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