// Vault MCP Server

Banking intelligence,
any AI agent.

The first banking intelligence MCP server. Connect Claude Desktop, Claude Code, Perplexity, Cline, Continue, or any Model Context Protocol-compatible agent to live FDIC banking data — search 4,317 banks, pull financials, track M&A, find new charters, all via tool calls.

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Free forever · No API key required · ~2 min setup

Get started in 2 minutes

Vault MCP works with Claude Desktop, Cline, Continue, and any Model Context Protocol client. Setup is 3 lines of config — we'll show you exactly how.

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Quick form so we know who's using Vault and how to make it better. Free forever.

What you can ask Claude after setup

"What's the latest financial data for Sutton Bank?"
"Find me top-performing community banks in Oklahoma"
"Show me bank mergers from 2025"
"How is the U.S. banking industry performing in 2024 vs 2025?"

Client compatibility

Client	Status
Claude Desktop	✓ Fully supported — no timeout ceiling
Claude Code	✓ Fully supported
Cline / Continue	✓ Fully supported
Perplexity	△ Works with caveats — see below

Perplexity enforces a hard 15-second timeout on MCP tool calls at its proxy layer. Vault's response-caching layer (shipped July 2026) now serves repeat lookups for search_institutions, get_bank_profile, get_asset_quality_detail, get_loan_mix, get_brokered_deposits, get_branch_data, get_recent_charters, get_ma_activity, and get_lender_rankings in under 200ms — well inside that limit. get_industry_metrics scans 5,000+ records per call and will still time out on Perplexity even when cached; we recommend Claude Desktop for industry-level queries. For get_lender_rankings on Perplexity, narrowing by state or city keeps first-time (uncached) calls comfortably under the limit.

Available Tools

search_institutions

Search FDIC-insured banks by name, city, or fuzzy match. Returns up to 50 institutions ranked by relevance and asset size.

query (required) · state (optional 2-letter code) · limit (default 20)

get_bank_profile

Detailed profile for a single bank by FDIC certificate number. Returns institution details + 8 quarters of financial history.

cert (required) — e.g. "23473"

get_industry_metrics

Aggregate banking industry metrics — total banks, total assets, average ROA/ROE/NIM for any year.

year (optional)

get_recent_charters

List newly chartered FDIC-insured banks (de novo banks) since 2023.

year (optional)

get_ma_activity

List recent bank mergers, acquisitions, and failures. Returns acquirer, acquired, effective date, transaction type.

year (optional) · limit (default 50, max 200)

get_lender_rankings

Banks ranked by composite Lending Score (loan concentration + capital + asset quality + ROA). Filter by state, city, or asset tier.

state, city, loan_type (residential/commercial/smallbiz/consumer), asset_size (community/regional/large)

get_asset_quality_detail

Credit quality breakdown for a bank: noncurrent loans, foreclosed real estate (OREO), loan loss reserves, net charge-offs, and key ratios. Up to 8 quarters of history.

cert (required) · quarters (default 4, max 8)

get_loan_mix

Loan portfolio composition — Real Estate (residential, commercial, construction), C&I, Agricultural, Consumer — as dollar amounts and % of total loans.

cert (required) · quarters (default 1, max 8)

get_brokered_deposits

Brokered deposit levels and funding-risk detail: dollar amount, % of total deposits, and trend. A key indicator of reliance on less-stable "hot money" funding.

cert (required) · quarters (default 4, max 8)

get_branch_data

Branch-level location and deposit data from the FDIC Summary of Deposits — branch count, total branch deposits, and per-branch address/deposits/main-office flag.

cert (required) · state (optional filter) · limit (default 50, max 200)

get_bank_leadership

Executive leadership (CEO, President, CFO, COO) for a bank — name, title, and source URL, found via web search. Cached 30 days. Useful for prospect research and building sales target lists: search or rank banks first, then pull leadership for each candidate.

cert (required)

Why this exists

Banking data is buried in regulatory filings, paywalled aggregators, and 90s-era websites. Vault MCP exposes the same FDIC public data that powers vaultbot.ai to any AI agent — for free, with no API key, and no rate limits beyond what the FDIC enforces upstream.

Built by iDENTIFY, a Tulsa-based fintech data infrastructure company. We help community banks, sponsor banks, credit unions, and fintechs turn their data into a competitive advantage.