# Reported issues for fdic-banks-mcp-server Pod holds 11 of 11 GitHub reports that passed its relevance review. This can include external user reports, maintainer-confirmed bugs, and concrete feature gaps. Treat them as evidence to inspect, not a count of distinct defects. Back to [fdic-banks-mcp-server](/mcp/fdic-banks-mcp-server). ## Most discussed ### bug(fdic_search_institutions, fdic_search_failures): min_assets 0 silently drops records with no recorded assets ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP (Streamable HTTP) ### OS macOS 27.0 ### Description `min_assets: 0` should exclude nothing, since every recorded asset figure is at least 0. But the range clause it builds (`ASSET:[0 TO *]` or `QBFASSET:[0 TO *]`) also drops every record that has no asset figure, and no notice says so. A form client that submits `0` for an untouched number field loses those… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/7) · 2026-09-26 · closed · 3 comments ### bug(fdic_search_institutions, fdic_search_failures): overlong name or city returns a 45 s timeout or a raw 414, not a validation error ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP (Streamable HTTP) ### OS macOS 27.0 ### Description `name` and `city` have no length bound, so a long value goes to FDIC as-is. A long `name` on `fdic_search_institutions` stalls FDIC's search until the 45 s budget runs out and comes back as a retryable timeout. A request URL over FDIC's limit comes back as `-32600` carrying the gateway's HTML, with no… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/4) · 2026-09-26 · closed · 3 comments ### bug(fdic_search_institutions): "N.A." in a name query misses the national bank it names ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP (Streamable HTTP) ### OS macOS 27.0 ### Description National banks are usually written with "N.A." for "National Association", as in filings, press releases, and court captions. FDIC stores most of them spelled out, and every query word must match, so the abbreviation returns no match or a different bank. ### Steps to reproduce Call… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/3) · 2026-09-26 · closed · 3 comments ### feat(fdic_search_institutions): match FDIC's alternate city spellings (hyphen or space, D'Alene) ### Use case FDIC records some cities under more than one spelling: both `Winston-Salem` and `Winston Salem` appear in NC, and both `Coeur D'Alene` and `Coeur D Alene` appear in ID. The `city` input on `fdic_search_institutions` sends only the given form and its title case, so the correct spelling can return zero results, or a subset with no notice that more exist. - `{"city":"Winston-Salem","state":"NC"}` returns 0 active institutions. The one active bank there is recorded as `Winston… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/10) · 2026-09-26 · closed · 2 comments ### feat(fdic_dataframe_describe): summarize the listing when name is omitted instead of returning every table in full ### Use case `fdic_dataframe_describe` with no `name` returns every live dataframe in full: columns, provenance and query params, with no cap and no truncation notice. Twenty-three staged tables produced a 34,980-byte response, growing by about 1.5 KB per table. On a shared deployment, dataframes live 24 h under one tenant, so this listing keeps growing. The staging notice ("use fdic_dataframe_describe to inspect its columns") and the server instructions both steer callers to the unnamed… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/9) · 2026-09-26 · closed · 2 comments ### bug(tools): rate-limit recovery says "wait retryAfter seconds" without the number in content[] ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP ### OS macOS ### Description The `pacer_shed` and `upstream_rate_limited` recovery hints in every FDIC tool say "wait retryAfter seconds" but never give the number. `structuredContent.error.data.retryAfter` carries the wait. A client that reads only `content[]` sees the placeholder word and no value. ### Steps to reproduce 1. Start the server with… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/8) · 2026-09-26 · closed · 2 comments ### bug(fdic_get_deposits): msa_code "00000" queries every non-metropolitan branch as one market ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP ### OS macOS ### Description `fdic_get_deposits` accepts `msa_code: "00000"` and treats it as a market. The input is converted with `Number()`, and FDIC uses `MSABR = 0` to mark non-metropolitan branches. So the call becomes a "market" of every non-metro branch in the country. No real CBSA code starts with 0 (they run 10020–49740). ### Steps to reproduce… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/6) · 2026-09-26 · closed · 2 comments ### feat(fdic_query_financials): fetch a panel that fits one page in one request, not one per quarter ### Use case `fdic_query_financials` fetches its panel one quarter per request, even when every matching row fits in a single page: - `{"certs":[628],"metrics":["total_assets","roa"],"from_date":"2016Q3","to_date":"2026Q2","limit":5}` makes 41 upstream calls for 40 rows (8.1 s at 5 req/s). - A full 1984–2026 history of one bank is 171 calls (~21 s at the default pacing), all spent from the shared request budget. Per-quarter requests exist because offset paging has no unique sort key across… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/5) · 2026-09-26 · closed · 2 comments ## Most recent ### feat(tools): an institution's structure-change history — mergers, acquisitions, renames — from /history ### Use case A bank's merger and acquisition record isn't reachable from this server. `fdic_get_institution_financials` gives a merged-away bank's `successor_cert`, one hop forward. Nothing lists the institutions a bank absorbed, or its renames, charter conversions and relocations with their dates. BankFind serves all of these as structure-change events at [`/history`](https://api.fdic.gov/banks/docs/). ### Proposed behavior A read tool over `/history`, keyed by CERT, with a direction: -… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/12) · 2026-09-26 · open · 0 comments ### bug(fdic_search_institutions): relevance order buries the active bank a name query names ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP (Streamable HTTP) ### OS macOS 27.0 ### Description With `name` set and the default `relevance` sort, the operating bank the query names ranks behind inactive affiliates and fuzzy partial matches. Resolving a name to a CERT is this tool's main job, and the first result here is the wrong CERT. ### Steps to reproduce 1. Call `fdic_search_institutions` with… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/2) · 2026-09-26 · closed · 2 comments ### bug(fdic_query_financials): zero-hit notice blames the CERTs when a threshold, state, or unpublished quarter emptied the panel ### Server version 0.1.0 ### mcp-ts-core version 0.13.8 ### Runtime Node.js ### Runtime version Node 26.5.0 ### Transport HTTP (Streamable HTTP) ### Description When `fdic_query_financials` matches nothing and `certs` was given, the notice always says `None of these CERTs filed for the requested quarters`. That is false when a threshold, `state`, or an unpublished quarter emptied the panel, and it sends the caller off to re-check valid CERTs. A window that starts after the latest… [Read the thread](https://github.com/cyanheads/fdic-banks-mcp-server/issues/1) · 2026-09-26 · closed · 2 comments The remaining reports are on [the project's issue tracker](https://github.com/cyanheads/fdic-banks-mcp-server/issues).