FDIC Bank Data MCP Server

FDIC Bank Data

Official FDIC registry of every FDIC-insured depository institution in the United States — 4,000+ active banks and 27,000+ total (including historical). Updated weekly from the FDIC BankFind bulk CSV.

Free, no API key required.

Data Source

Federal Deposit Insurance Corporation (FDIC) BankFind — the authoritative registry of all FDIC-insured institutions: national banks, state-chartered banks, savings institutions, and insured branches of foreign banks.

Capabilities

• Search by name — fuzzy word-similarity matching. "Bank of America" finds "Bank of America, National Association". Filter by state and active status.
• Search by location — find all banks in a state or city, ranked by total assets. Market sizing and regional competitive analysis.
• Search by holding company (BHC) — default strict: every significant token must appear in normalized holding_company_search (ETL from holding_company). strict_token_match=substring uses case-insensitive substring match; word uses whole-word matching on that normalized column. min_strict_tokens (default 1) can require multi-token queries. Pagination: offset + limit (max 200 / offset max 10000), or strict-only cursor from pagination.next_cursor (format v1s:<total_assets_thousands>:<cert> from the last row) — never pass cursor together with offset. Responses include strict_token_match, min_strict_tokens_applied, total_match_count, pagination.has_more, strict_tokens, optional warnings, dataset.last_refreshed_at, and total_assets_* sums only over returned rows (assets_sum_scope). Fuzzy mode uses trigram word_similarity on raw holding_company with a score floor in SQL; supports offset pagination, not cursor.
• Bank detail lookup — full profile by FDIC certificate number (CERT): address, financials, charter type, holding company, regulatory agent, website.
• Financial summary — ROA, ROE, total assets, deposits, net income, equity capital, office count for any bank by CERT.
• Dataset statistics — total institution counts, active counts, aggregate assets, data freshness.

Financial Values

All monetary fields (total_assets_thousands, total_deposits_thousands, net_income_thousands, equity_capital_thousands) are in thousands of dollars. Multiply by 1,000 for actual values. Example: total_assets_thousands: 2533000 = $2.533 billion.

roa_pct and roe_pct are percentages (e.g., 1.15 = 1.15% return on assets).

Bank Class Codes

Primary Regulators

Key Fields

• CERT — unique FDIC certificate number (use this for detail/financial lookups)
• active — whether the institution currently holds FDIC insurance
• holding_company — parent company name as published by FDIC (empty for independent banks). Search compares against an internal normalized form so queries align with FDIC spelling and punctuation variants.
• bank_class / bank_class_description — charter classification code + human-readable label
• regulatory_agent / regulatory_agent_name — primary federal regulator code + full name
• fed_rssd_id — Federal Reserve RSSD ID for cross-referencing with Fed data
• report_date — date of the most recent Call Report filing (detail view only)

Search results return compact summaries (cert, name, city, state, assets, deposits, bank class, holding company, ROA/ROE). Use the detail lookup by CERT to get the full record with address, regulatory info, dates, and website.

Workflows

Bank due diligence: Search by name → get CERT → pull full details and financials → search holding company to see all siblings.

Holding company analysis: Strict parent-name search (default) → paginate with offset or next_cursor until has_more is false. Asset totals in each response are page-only; use total_match_count for footprint size. Use fuzzy only when spelling may be wrong.

Market landscape: Search by state/city → rank by assets → identify dominant players, community banks, and market concentration.

Regulatory research: Look up any bank's primary regulator, charter type, FDIC region, and insurance dates for compliance or licensing research.

Failed/inactive bank research: Set active_only=false to include historical institutions — useful for tracking mergers, acquisitions, and bank failures.

Bank failure analysis: Use the failures tool to find recently failed banks, filter by state or date range, and see acquiring institutions and deposit costs. Sort by FAILDATE DESC for the most recent failures.

Structure change history: Use the history tool with a CERT number to trace a bank's mergers, name changes, charter conversions, and closings over time.

Branch footprint mapping: Use the locations tool to find all branches for a bank (filter by CERT) or all branches in a geographic area (filter by state/city). Returns lat/lng for mapping.

Industry trends: Use the industry summary tool to get aggregate banking statistics by year and/or state — total assets, deposits, net income, institution counts. Compare 'YEAR:2024 AND STNAME:"Texas"' vs 'YEAR:2024 AND STNAME:"California"' for state comparisons.