@pipeworx/fdic

Connect: https://pipeworx.io/mcp — every tool in the catalog, including @pipeworx/fdic’s. Install: one-click buttons

No MCP client? Skip the connection: POST https://gateway.pipeworx.io/v1/tools/search_packs {"query":"..."} to find a tool below, GET /v1/tools/<name> for its schema, POST the same URL with arguments for the data — see For AI agents.

Tools: 7

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.

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 fintech_bank_health_check compound.

Auth

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

Branch locations and Summary of Deposits

• fdic_branches lists the current offices of FDIC-insured banks (address, county, latitude/longitude, main-office flag, service type, established date). Filter by cert, a bank name fragment, or state + city. Source: FDIC, BankFind institution locations. Reflects the FDIC’s current locations file; data_as_of is its build time.
• fdic_branch_deposits returns the FDIC Summary of Deposits: deposits at each branch as of June 30 of a survey year, in thousands of US dollars, ranked by branch deposits. year defaults to the latest published survey. Source: FDIC, Summary of Deposits.

Identifiers: cert is the institution; office_id is the FDIC’s unique office number and joins the two tools; branch_number is the bank’s own branch number (0 is the main office). Current locations and Summary of Deposits are different vintages: a branch opened or closed since June 30 appears in one and not the other. US federal data, public domain.

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.”
• BankFind’s own failures search index can lag. It names its own last-build time, and that build has gone stale for weeks at a time (found 2026-10-16, fleet #3162: frozen since 2026-08-25, silently undercounting 2026 failures 4 vs the true 6). fdic_failures reconciles every call against FDIC’s own published Failed Bank List and returns data_as_of plus a warning whenever the index is missing something newer or is more than two weeks stale.
• 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).

Tools

• fdic_search_institutions — Search FDIC-insured banks by name. Returns institution name, CERT ID, location, total assets, deposits, net income, ROA, ROE, and report date.
• fdic_get_institution — Get detailed profile for an FDIC-insured bank (e.g., CERT “5136”). Returns name, location, assets, deposits, and regulatory details.
• fdic_financials — Get quarterly financial metrics for a bank by CERT ID. Returns assets, deposits, net income, interest income, loan losses, ROA, ROE, efficiency ratio.
• fdic_failures — Search FDIC bank failures by date range. Returns bank name, location, CERT ID, failure date, acquiring institution, and fund type, reconciled against FDIC’s published Failed Bank List with a `data_as_
• fdic_summary — Get aggregate totals for FDIC-insured banks. Omit date for the most recent year with published figures; pass a year or report date for a specific one. Defaults to the US national aggregate; pass `st
• fdic_branches — List the current branch and office locations of FDIC-insured banks: street address, city, state, ZIP, county, latitude/longitude, main-office flag, service type (full service, limited, etc.), and the
• fdic_branch_deposits — Summary of Deposits (SOD): deposits held at each branch of an FDIC-insured bank as of June 30 of a survey year, in thousands of US dollars, with the branch address, city, state, ZIP, and branch/office