Fdic MCP server

FDIC — Bank Health and Financials

The Federal Deposit Insurance Corporation's BankFind and Call Reports data. Quarterly Call Report financials for every FDIC-insured bank in the US (~4,500 institutions), plus failed bank lists, branch maps, and supervisory designations. Free, no auth.

Part of Pipeworx — an MCP gateway connecting AI agents to 1679+ live data sources.

Why this matters for AI agents

For bank-level due diligence, deposit-flight risk monitoring, or "is this regional bank in trouble?" questions, FDIC Call Report data is the source. It's how the FDIC and Fed themselves measure bank health: capital ratios, loan delinquencies, deposit composition, asset quality.

Common flows:

• Bank lookup. Find a specific institution by name or RSSD ID, get its key financials.
• Health snapshot. Capital adequacy ratios (Tier 1, leverage), nonperforming loan rates, allowance coverage, asset/deposit growth.
• Regional / sector aggregation. Aggregate by state, asset size class, or business model (community, regional, money-center).
• Failure / merger history. Search the FDIC's failed bank list (since 2000) for context on regional patterns.

Used by the fintechbankhealth_check compound.

Auth

None. FDIC's BankFind and Call Report APIs are fully public, free, no key.

Update cadence

Banks file Call Reports quarterly with a regulatory deadline of ~30 days after quarter-end. Public release follows within a few additional weeks. So Q1 data publicly visible by mid-May, Q2 by mid-August, etc. Pipeworx caches with TTLs aligned to release windows.

Bank identifiers

For cross-source linking (Fed + FDIC + OCC), RSSD ID is the canonical key. Use it whenever you have a choice.

Common pitfalls

• Call Report consolidation level. Reports come at the bank-holding-company (BHC) level OR the individual-bank level. They don't aggregate cleanly — totals at one level can differ from sums at the other due to inter-affiliate transactions.
• Non-FDIC institutions. Credit unions are NCUA-regulated, not FDIC. They don't appear here. Investment banks (without an insured depository subsidiary) also don't.
• Failed banks vs. unwound banks. FDIC failure list = formal receivership. Other institutions exit the industry via voluntary liquidation, merger, or charter conversion — those don't appear as "failed."
• Capital ratio interpretation. A bank's Tier 1 ratio of 11% is fine in normal times but stretched if loan losses spike. Look at trend, not just snapshot.
• Deposit concentration. "Uninsured deposits" (>$250k) is a critical risk metric. Find it in the call report; raw "total deposits" alone misses the deposit-flight-risk story (cf. SVB).

Quick Start

Add to your MCP client (Claude Desktop, Cursor, Windsurf, etc.):

{
  "mcpServers": {
    "fdic": {
      "url": "https://gateway.pipeworx.io/fdic/mcp"
    }
  }
}

What this endpoint actually serves

tools/list at https://gateway.pipeworx.io/fdic/mcp returns the tools in the table above plus the shared Pipeworx meta-tools — askpipeworx, discovertools, search_within, remember/recall and the rest of the gateway-wide set. So the tool count you see is larger than this table: a single-pack endpoint currently lists roughly 30 shared tools alongside the pack's own. The connection's initialize response states its exact scope, and is the authoritative answer for a given day.

Shortened. The full README is on GitHub.