fdic-mcp-server 1.24.0 → 1.25.0

package/dist/index.js

@@ -32,7 +32,7 @@ var import_types = require("@modelcontextprotocol/sdk/types.js");
 var import_express2 = __toESM(require("express"));
 
 // src/constants.ts
-var VERSION = true ? "1.24.0" : process.env.npm_package_version ?? "0.0.0-dev";
+var VERSION = true ? "1.25.0" : process.env.npm_package_version ?? "0.0.0-dev";
 var FDIC_API_BASE_URL = "https://banks.data.fdic.gov/api";
 var CHARACTER_LIMIT = 5e4;
 var DEFAULT_FDIC_MAX_RESPONSE_BYTES = 5 * 1024 * 1024;
@@ -31846,13 +31846,96 @@ function formatLookupResultText(label, record, preferredKeys) {
   return `${label}
 ${summarizeRecord(record, preferredKeys, 8)}`;
 }
-function formatToolError(err) {
+var ERROR_CODE_FROM_MESSAGE = [
+  { pattern: /Bad request to FDIC API/, code: "FDIC_BAD_FILTER", retryable: false },
+  { pattern: /rate limit/i, code: "FDIC_RATE_LIMIT", retryable: true },
+  { pattern: /server error/i, code: "FDIC_UPSTREAM_ERROR", retryable: true },
+  {
+    pattern: /response-size limit|maxContentLength/,
+    code: "FDIC_RESPONSE_TOO_LARGE",
+    retryable: false
+  },
+  { pattern: /canceled/i, code: "FDIC_CANCELED", retryable: true },
+  { pattern: /No (institution|failure|financial)/i, code: "FDIC_NOT_FOUND", retryable: false },
+  { pattern: /quarter-end date/i, code: "FDIC_BAD_DATE", retryable: false }
+];
+function inferErrorCode(message) {
+  for (const entry of ERROR_CODE_FROM_MESSAGE) {
+    if (entry.pattern.test(message)) {
+      return { code: entry.code, retryable: entry.retryable };
+    }
+  }
+  return { code: "FDIC_UNKNOWN", retryable: false };
+}
+function formatToolError(err, override) {
   const message = err instanceof Error ? err.message : String(err);
+  const inferred = inferErrorCode(message);
+  const payload = {
+    code: override?.code ?? inferred.code,
+    message: override?.message ?? message,
+    retryable: override?.retryable ?? inferred.retryable,
+    hint: override?.hint
+  };
   return {
-    content: [{ type: "text", text: `Error: ${message}` }],
+    content: [{ type: "text", text: `Error: ${payload.message}` }],
+    structuredContent: payload,
     isError: true
   };
 }
+var DEFAULT_STRUCTURED_BYTE_LIMIT = 2e5;
+function capStructuredContent(output, recordKey, byteLimit = DEFAULT_STRUCTURED_BYTE_LIMIT) {
+  const records = output[recordKey];
+  if (!Array.isArray(records)) {
+    return output;
+  }
+  const initialBytes = Buffer.byteLength(JSON.stringify(output), "utf8");
+  if (initialBytes <= byteLimit) {
+    return output;
+  }
+  let lo = 0;
+  let hi = records.length;
+  let best = 0;
+  while (lo <= hi) {
+    const mid = Math.floor((lo + hi) / 2);
+    const candidate = buildTruncatedPayload(output, recordKey, records, mid);
+    const bytes = Buffer.byteLength(JSON.stringify(candidate), "utf8");
+    if (bytes <= byteLimit) {
+      best = mid;
+      lo = mid + 1;
+    } else {
+      hi = mid - 1;
+    }
+  }
+  if (best === 0) {
+    throw new Error(
+      "FDIC API response exceeded the configured response-size limit before parsing: a single record exceeded the structured-content byte cap. Request fewer fields with `fields=`, lower `limit`, or raise the cap."
+    );
+  }
+  return buildTruncatedPayload(output, recordKey, records, best);
+}
+function buildTruncatedPayload(output, recordKey, records, slicedLength) {
+  const sliced = records.slice(0, slicedLength);
+  const result = {
+    ...output,
+    [recordKey]: sliced,
+    truncated: true
+  };
+  const offset = typeof output.offset === "number" ? output.offset : void 0;
+  const upstreamCount = typeof output.count === "number" ? output.count : void 0;
+  const upstreamNextOffset = typeof output.next_offset === "number" ? output.next_offset : void 0;
+  if (offset !== void 0) {
+    result.count = slicedLength;
+    result.next_offset = offset + slicedLength;
+    result.has_more = true;
+  }
+  if (upstreamCount !== void 0 || upstreamNextOffset !== void 0) {
+    result.upstream = {
+      ...upstreamCount !== void 0 ? { count: upstreamCount } : {},
+      ...upstreamNextOffset !== void 0 ? { next_offset: upstreamNextOffset } : {}
+    };
+  }
+  return result;
+}
 
 // src/schemas/common.ts
 var import_zod = require("zod");
@@ -31877,6 +31960,91 @@ var CertSchema = import_zod.z.object({
   fields: import_zod.z.string().optional().describe("Comma-separated list of fields to return")
 });
 
+// src/schemas/output.ts
+var import_zod2 = require("zod");
+var FdicRecord = import_zod2.z.record(import_zod2.z.unknown());
+var Pagination = {
+  total: import_zod2.z.number().int(),
+  offset: import_zod2.z.number().int(),
+  count: import_zod2.z.number().int(),
+  has_more: import_zod2.z.boolean(),
+  next_offset: import_zod2.z.number().int().optional()
+};
+function paginatedSearchSchema(recordKey) {
+  return import_zod2.z.object({
+    ...Pagination,
+    [recordKey]: import_zod2.z.array(FdicRecord),
+    truncated: import_zod2.z.boolean().optional()
+  });
+}
+var FdicInstitutionsSearchOutputSchema = paginatedSearchSchema(
+  "institutions"
+);
+var FdicFailuresSearchOutputSchema = paginatedSearchSchema("failures");
+var FdicLocationsSearchOutputSchema = paginatedSearchSchema("locations");
+var FdicHistorySearchOutputSchema = paginatedSearchSchema("events");
+var FdicFinancialsSearchOutputSchema = paginatedSearchSchema(
+  "financials"
+);
+var FdicSummarySearchOutputSchema = paginatedSearchSchema("summary");
+var FdicSodSearchOutputSchema = paginatedSearchSchema("deposits");
+var FdicDemographicsSearchOutputSchema = paginatedSearchSchema(
+  "demographics"
+);
+var FdicInstitutionLookupOutputSchema = import_zod2.z.object({}).passthrough();
+var FdicFailureLookupOutputSchema = import_zod2.z.object({}).passthrough();
+var ChatGptSearchResultSchema = import_zod2.z.object({
+  results: import_zod2.z.array(
+    import_zod2.z.object({
+      id: import_zod2.z.string(),
+      title: import_zod2.z.string(),
+      url: import_zod2.z.string()
+    })
+  )
+});
+var ChatGptFetchResultSchema = import_zod2.z.object({
+  id: import_zod2.z.string(),
+  title: import_zod2.z.string(),
+  text: import_zod2.z.string(),
+  url: import_zod2.z.string(),
+  metadata: import_zod2.z.record(import_zod2.z.unknown()).optional()
+});
+var Source = import_zod2.z.object({ title: import_zod2.z.string(), url: import_zod2.z.string() });
+var FdicBankDeepDiveOutputSchema = import_zod2.z.object({
+  institution: import_zod2.z.object({
+    cert: import_zod2.z.number().int(),
+    name: import_zod2.z.string(),
+    city: import_zod2.z.string(),
+    state: import_zod2.z.string(),
+    active: import_zod2.z.boolean(),
+    asset_thousands: import_zod2.z.number().optional(),
+    deposit_thousands: import_zod2.z.number().optional(),
+    offices: import_zod2.z.number().optional(),
+    charter_class: import_zod2.z.string(),
+    regulator: import_zod2.z.string(),
+    established: import_zod2.z.string(),
+    report_date: import_zod2.z.string()
+  }),
+  assessment: import_zod2.z.object({
+    official_rating: import_zod2.z.boolean(),
+    proxy_band: import_zod2.z.string(),
+    caveat: import_zod2.z.string()
+  }),
+  metrics: import_zod2.z.object({
+    roa: import_zod2.z.string().optional(),
+    roe: import_zod2.z.string().optional(),
+    tier1_leverage: import_zod2.z.string().optional(),
+    noncurrent_loans: import_zod2.z.string().optional(),
+    loan_to_deposit: import_zod2.z.string().optional(),
+    net_interest_margin: import_zod2.z.string().optional(),
+    efficiency_ratio: import_zod2.z.string().optional()
+  }),
+  risk_signals: import_zod2.z.array(import_zod2.z.string()),
+  warnings: import_zod2.z.array(import_zod2.z.string()),
+  sources: import_zod2.z.array(Source)
+});
+var FdicAnalysisOutputSchema = import_zod2.z.object({}).passthrough();
+
 // src/tools/institutions.ts
 function registerInstitutionTools(server) {
   server.registerTool(
@@ -31885,6 +32053,7 @@ function registerInstitutionTools(server) {
       title: "Search FDIC Institutions",
       description: "Use this when the user needs FDIC-insured institution search results by name, state, CERT, asset size, charter class, or regulatory status. Returns institution profile rows with pagination; use fdic://schemas/institutions for the full field catalog.",
       inputSchema: CommonQuerySchema,
+      outputSchema: FdicInstitutionsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -31901,7 +32070,10 @@ function registerInstitutionTools(server) {
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, institutions: records };
+        const output = capStructuredContent(
+          { ...pagination, institutions: records },
+          "institutions"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("institutions", records, pagination, [
             "CERT",
@@ -31927,8 +32099,9 @@ function registerInstitutionTools(server) {
     "fdic_get_institution",
     {
       title: "Get Institution by Certificate Number",
-      description: "Use this when the user knows an exact FDIC Certificate Number and needs one institution profile. To discover a CERT first, call fdic_search_institutions or the ChatGPT-compatible search tool.",
+      description: "Use this when the user knows an exact FDIC Certificate Number and needs one institution profile. To discover a CERT first, call fdic_search_institutions or fdic_search.",
       inputSchema: CertSchema,
+      outputSchema: FdicInstitutionLookupOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -31983,43 +32156,9 @@ function registerFailureTools(server) {
     "fdic_search_failures",
     {
       title: "Search Bank Failures",
-      description: `Search for details on failed FDIC-insured financial institutions.
-
-Returns data on bank failures including failure date, resolution type, estimated cost to the FDIC Deposit Insurance Fund, and acquiring institution info.
-
-Common filter examples:
-  - By state: STALP:CA (two-letter state code)
-  - By year range: FAILDATE:[2008-01-01 TO 2010-12-31]
-  - Recent failures: FAILDATE:[2020-01-01 TO *]
-  - By resolution type: RESTYPE:PAYOFF or RESTYPE:"PURCHASE AND ASSUMPTION"
-  - Large failures by cost: COST:[100000 TO *]  (cost in $thousands)
-  - By name: NAME:"Washington Mutual"
-
-Resolution types (RESTYPE):
-  PAYOFF = depositors paid directly, no acquirer
-  PURCHASE AND ASSUMPTION = acquirer buys assets and assumes deposits
-  PAYOUT = variant of payoff with insured-deposit transfer
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - NAME: Institution name
-  - CITY, STALP (two-letter state code), STNAME (full state name): Location
-  - FAILDATE: Date of failure (YYYY-MM-DD)
-  - SAVR: Savings association flag (SA) or bank (BK)
-  - RESTYPE: Resolution type (see above)
-  - QBFASSET: Total assets at failure ($thousands)
-  - COST: Estimated cost to FDIC Deposit Insurance Fund ($thousands)
-
-Args:
-  - filters (string, optional): ElasticSearch query filter
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., FAILDATE, COST)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and failure records.`,
+      description: "Use this when the user wants details on failed FDIC-insured institutions filtered by name, state, date range, resolution type, or cost. Returns failure records with pagination; see fdic://schemas/failures for the full field catalog.",
       inputSchema: CommonQuerySchema,
+      outputSchema: FdicFailuresSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32036,7 +32175,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, failures: records };
+        const output = capStructuredContent(
+          { ...pagination, failures: records },
+          "failures"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("failures", records, pagination, [
             "CERT",
@@ -32063,16 +32205,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
     "fdic_get_institution_failure",
     {
       title: "Get Failure Details by Certificate Number",
-      description: `Retrieve failure details for a specific institution by FDIC Certificate Number.
-
-Use this when you know the CERT of a failed institution to get its specific failure record.
-
-Args:
-  - cert (number): FDIC Certificate Number of the failed institution
-  - fields (string, optional): Comma-separated list of fields to return
-
-Returns detailed failure information suitable for concise summaries, with structured fields available for exact values when needed.`,
+      description: "Use this when the user knows the CERT of a failed institution and needs its specific failure record. Returns failure details (date, resolution type, cost, acquirer); responds with `found: false` if the institution did not fail.",
       inputSchema: CertSchema,
+      outputSchema: FdicFailureLookupOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32122,7 +32257,7 @@ Returns detailed failure information suitable for concise summaries, with struct
 }
 
 // src/tools/locations.ts
-var import_zod2 = require("zod");
+var import_zod3 = require("zod");
 
 // src/tools/shared/queryUtils.ts
 var CHUNK_SIZE = 25;
@@ -32218,7 +32353,7 @@ async function mapWithConcurrency(values, limit, mapper) {
 
 // src/tools/locations.ts
 var LocationQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod2.z.number().int().positive().optional().describe(
+  cert: import_zod3.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get all branches of a specific institution"
   )
 });
@@ -32227,53 +32362,9 @@ function registerLocationTools(server) {
     "fdic_search_locations",
     {
       title: "Search Institution Locations / Branches",
-      description: `Search for branch locations of FDIC-insured financial institutions.
-
-Returns branch/office data including address, city, state, coordinates, branch type, and establishment date.
-
-Common filter examples:
-  - All branches of a bank: CERT:3511
-  - By state: STALP:TX (two-letter state code)
-  - By city: CITY:"Austin"
-  - Main offices only: BRNUM:0
-  - By county: COUNTY:"Travis"
-  - Active branches only: ENDEFYMD:[9999-01-01 TO *]  (sentinel date 9999-12-31 means still open)
-  - By metro area (CBSA): CBSA_METRO_NAME:"New York-Newark-Jersey City"
-
-Branch service types (BRSERTYP):
-  11 = Full service brick and mortar
-  12 = Full service retail
-  21 = Limited service administrative
-  22 = Limited service military
-  23 = Limited service drive-through
-  24 = Limited service loan production
-  25 = Limited service consumer/trust
-  26 = Limited service Internet/mobile
-  29 = Limited service other
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - UNINAME: Institution name
-  - NAMEFULL: Full branch name
-  - ADDRESS, CITY, STALP (two-letter state code), ZIP: Branch address
-  - COUNTY: County name
-  - BRNUM: Branch number (0 = main office)
-  - BRSERTYP: Branch service type code (see above)
-  - LATITUDE, LONGITUDE: Geographic coordinates
-  - ESTYMD: Branch established date (YYYY-MM-DD)
-  - ENDEFYMD: Branch end date (9999-12-31 if still active)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and branch location records.`,
+      description: "Use this when the user wants branch/office locations for FDIC-insured institutions, filtered by CERT, state, city, county, metro area, or branch type. Returns address, coordinates, branch number, and service-type rows; see fdic://schemas/locations for the full field catalog.",
       inputSchema: LocationQuerySchema,
+      outputSchema: FdicLocationsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32297,7 +32388,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, locations: records };
+        const output = capStructuredContent(
+          { ...pagination, locations: records },
+          "locations"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("locations", records, pagination, [
             "CERT",
@@ -32322,9 +32416,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/history.ts
-var import_zod3 = require("zod");
+var import_zod4 = require("zod");
 var HistoryQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod3.z.number().int().positive().optional().describe(
+  cert: import_zod4.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get history for a specific institution"
   )
 });
@@ -32333,57 +32427,9 @@ function registerHistoryTools(server) {
     "fdic_search_history",
     {
       title: "Search Institution History / Structure Changes",
-      description: `Search for structural change events for FDIC-insured financial institutions.
-
-Returns records on mergers, acquisitions, name changes, charter conversions, failures, and other significant structural events.
-
-Common filter examples:
-  - History for a specific bank: CERT:3511
-  - Mergers: TYPE:merger
-  - Failures: TYPE:failure
-  - Name changes: CHANGECODE:CO
-  - By date range: PROCDATE:[2008-01-01 TO 2009-12-31]
-  - By state: PSTALP:CA (two-letter state code)
-
-Event types (TYPE):
-  merger = institution was merged into another
-  failure = institution failed
-  assistance = received FDIC assistance transaction
-  insurance = insurance-related event (new coverage, termination)
-
-Common change codes (CHANGECODE):
-  CO = name change
-  CR = charter conversion
-  DC = deposit assumption change
-  MA = merger/acquisition (absorbed by another institution)
-  NI = new institution insured
-  TC = trust company conversion
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - INSTNAME: Institution name
-  - CLASS: Charter class at time of change
-  - PCITY, PSTALP: Location (city, two-letter state code)
-  - PROCDATE: Processing date of the change (YYYY-MM-DD)
-  - EFFDATE: Effective date of the change (YYYY-MM-DD)
-  - ENDEFYMD: End effective date
-  - PCERT: Predecessor/successor CERT (for mergers)
-  - TYPE: Type of structural change (see above)
-  - CHANGECODE: Code for type of change (see above)
-  - CHANGECODE_DESC: Human-readable description of the change code
-  - INSDATE: Insurance date
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - filters (string, optional): ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., PROCDATE)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and event records.`,
+      description: "Use this when the user wants structural-change events (mergers, acquisitions, name changes, charter conversions, failures) for FDIC-insured institutions, filtered by CERT, type, change code, date range, or state. See fdic://schemas/history for the full field catalog.",
       inputSchema: HistoryQuerySchema,
+      outputSchema: FdicHistorySearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32407,7 +32453,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, events: records };
+        const output = capStructuredContent(
+          { ...pagination, events: records },
+          "events"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("events", records, pagination, [
             "CERT",
@@ -32432,63 +32481,30 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/financials.ts
-var import_zod4 = require("zod");
+var import_zod5 = require("zod");
 var FinancialQuerySchema = CommonQuerySchema.extend({
-  sort_order: import_zod4.z.enum(["ASC", "DESC"]).default("DESC").describe(
+  sort_order: import_zod5.z.enum(["ASC", "DESC"]).default("DESC").describe(
     "Sort direction: DESC (descending, default for most recent first) or ASC (ascending)"
   ),
-  cert: import_zod4.z.number().int().positive().optional().describe(
+  cert: import_zod5.z.number().int().positive().optional().describe(
     "Filter by FDIC Certificate Number to get financials for a specific institution"
   ),
-  repdte: import_zod4.z.string().optional().describe(
-    "Filter by Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on call report dates: March 31, June 30, September 30, and December 31. Example: 20231231 for Q4 2023. If omitted, returns all available dates (sorted most recent first by default)."
+  repdte: import_zod5.z.string().optional().describe(
+    "Filter by Report Date (REPDTE) in YYYYMMDD format (quarter-end: 0331, 0630, 0930, 1231). If omitted, returns all available dates (sorted most recent first)."
   )
 });
 var SummaryQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod4.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  year: import_zod4.z.number().int().min(1934).optional().describe("Filter by specific year (e.g., 2022)")
+  cert: import_zod5.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  year: import_zod5.z.number().int().min(1934).optional().describe("Filter by specific year (e.g., 2022)")
 });
 function registerFinancialTools(server) {
   server.registerTool(
     "fdic_search_financials",
     {
       title: "Search Institution Financial Data",
-      description: `Search quarterly financial (Call Report) data for FDIC-insured institutions. Covers over 1,100 financial variables reported quarterly.
-
-Returns balance sheet, income statement, capital, and performance ratio data from FDIC Call Reports.
-
-Common filter examples:
-  - Financials for a specific bank: CERT:3511
-  - By report date: REPDTE:20231231
-  - High-profit banks in Q4 2023: REPDTE:20231231 AND ROA:[1.5 TO *]
-  - Large banks most recent: ASSET:[10000000 TO *]
-  - Negative net income: NETINC:[* TO 0]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - REPDTE: Report Date \u2014 the last day of the quarterly reporting period (YYYYMMDD)
-  - ASSET: Total assets ($thousands)
-  - DEP: Total deposits ($thousands)
-  - DEPDOM: Domestic deposits ($thousands)
-  - INTINC: Total interest income ($thousands)
-  - EINTEXP: Total interest expense ($thousands)
-  - NETINC: Net income ($thousands)
-  - ROA: Return on assets (%)
-  - ROE: Return on equity (%)
-  - NETNIM: Net interest margin (%)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - repdte (string, optional): Report Date in YYYYMMDD format (quarter-end dates: 0331, 0630, 0930, 1231)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names (the full set has 1,100+ fields)
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'DESC' recommended for most recent first)
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and quarterly financial records.`,
+      description: "Use this when the user wants quarterly Call Report data (balance sheet, income, capital, performance ratios) for FDIC-insured institutions. Filter by CERT and/or REPDTE plus optional ElasticSearch filters. See fdic://schemas/financials for the full 1,100+ field catalog.",
       inputSchema: FinancialQuerySchema,
+      outputSchema: FdicFinancialsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32513,7 +32529,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, financials: records };
+        const output = capStructuredContent(
+          { ...pagination, financials: records },
+          "financials"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("financial records", records, pagination, [
             "CERT",
@@ -32539,40 +32558,9 @@ Prefer concise human-readable summaries or tables when answering users. Structur
     "fdic_search_summary",
     {
       title: "Search Annual Financial Summary Data",
-      description: `Search aggregate financial and structure summary data subtotaled by year for FDIC-insured institutions.
-
-Returns annual snapshots of key financial metrics \u2014 useful for tracking an institution's growth over time.
-
-Common filter examples:
-  - Annual history for a bank: CERT:3511
-  - Specific year: YEAR:2022
-  - Year range: YEAR:[2010 TO 2020]
-  - Large banks in 2022: YEAR:2022 AND ASSET:[10000000 TO *]
-  - Profitable in 2023: YEAR:2023 AND ROE:[10 TO *]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - YEAR: Report year
-  - ASSET: Total assets ($thousands)
-  - DEP: Total deposits ($thousands)
-  - NETINC: Net income ($thousands)
-  - ROA: Return on assets (%)
-  - ROE: Return on equity (%)
-  - OFFICES: Number of branch offices
-  - REPDTE: Report Date \u2014 the last day of the reporting period (YYYYMMDD)
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - year (number, optional): Filter by specific year (1934-present)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., YEAR, ASSET)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and annual summary records.`,
+      description: "Use this when the user wants annual financial-summary snapshots (assets, deposits, ROA, ROE, offices) for FDIC-insured institutions, filtered by CERT and/or year. See fdic://schemas/summary for the full field catalog.",
       inputSchema: SummaryQuerySchema,
+      outputSchema: FdicSummarySearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32597,7 +32585,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, summary: records };
+        const output = capStructuredContent(
+          { ...pagination, summary: records },
+          "summary"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("annual summary records", records, pagination, [
             "CERT",
@@ -32622,10 +32613,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/sod.ts
-var import_zod5 = require("zod");
+var import_zod6 = require("zod");
 var SodQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod5.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  year: import_zod5.z.number().int().min(1994).optional().describe(
+  cert: import_zod6.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  year: import_zod6.z.number().int().min(1994).optional().describe(
     "Filter by specific year (1994-present). SOD data is annual."
   )
 });
@@ -32634,40 +32625,9 @@ function registerSodTools(server) {
     "fdic_search_sod",
     {
       title: "Search Summary of Deposits (SOD)",
-      description: `Search annual Summary of Deposits (SOD) data for individual bank branches.
-
-The SOD report provides annual deposit data at the branch level, showing deposit balances for each office of every FDIC-insured institution as of June 30 each year.
-
-Common filter examples:
-  - All branches for a bank: CERT:3511
-  - SOD for specific year: YEAR:2022
-  - Branches in a state: STALPBR:CA
-  - Branches in a city: CITYBR:"Austin"
-  - High-deposit branches: DEPSUMBR:[1000000 TO *]
-  - By metro area (MSA code): MSABR:19100
-
-Key returned fields:
-  - YEAR: Report year (as of June 30)
-  - CERT: FDIC Certificate Number
-  - BRNUM: Branch number (0 = main office)
-  - NAMEFULL: Branch or institution name
-  - ADDRESBR, CITYBR, STALPBR, ZIPBR: Branch address
-  - DEPSUMBR: Total deposits at branch ($thousands)
-  - MSABR: Metropolitan Statistical Area code (numeric; 0 = non-MSA)
-  - LATITUDE, LONGITUDE: Coordinates
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - year (number, optional): SOD report year (1994-present)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by (e.g., DEPSUMBR, YEAR)
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and deposit records.`,
+      description: "Use this when the user wants annual branch-level deposit data (SOD, as of June 30 each year) \u2014 branch deposits, MSAs, geographic distribution. Filter by CERT and/or year. See fdic://schemas/sod for the full field catalog.",
       inputSchema: SodQuerySchema,
+      outputSchema: FdicSodSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32692,7 +32652,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, deposits: records };
+        const output = capStructuredContent(
+          { ...pagination, deposits: records },
+          "deposits"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("deposit records", records, pagination, [
             "CERT",
@@ -32717,11 +32680,11 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/demographics.ts
-var import_zod6 = require("zod");
+var import_zod7 = require("zod");
 var DemographicsQuerySchema = CommonQuerySchema.extend({
-  cert: import_zod6.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
-  repdte: import_zod6.z.string().optional().describe(
-    "Filter by Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on: March 31, June 30, September 30, and December 31. Example: 20251231 for Q4 2025. If omitted, returns all available dates."
+  cert: import_zod7.z.number().int().positive().optional().describe("Filter by FDIC Certificate Number"),
+  repdte: import_zod7.z.string().optional().describe(
+    "Filter by Report Date (REPDTE) in YYYYMMDD format (quarter-end: 0331, 0630, 0930, 1231)."
   )
 });
 function registerDemographicsTools(server) {
@@ -32729,43 +32692,9 @@ function registerDemographicsTools(server) {
     "fdic_search_demographics",
     {
       title: "Search Institution Demographics Data",
-      description: `Search BankFind demographics data for FDIC-insured institutions.
-
-Returns quarterly demographic and market-structure attributes such as office counts, territory assignments, metro classification, county/country codes, and selected geographic reference data.
-
-Common filter examples:
-  - Demographics for a specific bank: CERT:3511
-  - By report date: REPDTE:20251231
-  - Institutions in metro areas: METRO:1
-  - Institutions with out-of-state offices: OFFSTATE:[1 TO *]
-  - Minority status date present: MNRTYDTE:[19000101 TO 99991231]
-
-Key returned fields:
-  - CERT: FDIC Certificate Number
-  - REPDTE: Report Date \u2014 the last day of the quarterly reporting period (YYYYMMDD)
-  - QTRNO: Quarter number
-  - OFFTOT: Total offices
-  - OFFSTATE: Offices in other states
-  - OFFNDOM: Offices in non-domestic territories
-  - OFFOTH: Other offices
-  - OFFSOD: Offices included in Summary of Deposits
-  - METRO, MICRO: Metro/micro area flags
-  - CBSANAME, CSA: Core-based statistical area data
-  - FDICTERR, RISKTERR: FDIC and risk territory assignments
-  - SIMS_LAT, SIMS_LONG: Geographic coordinates
-
-Args:
-  - cert (number, optional): Filter by institution CERT number
-  - repdte (string, optional): Report Date in YYYYMMDD format (quarter-end dates: 0331, 0630, 0930, 1231)
-  - filters (string, optional): Additional ElasticSearch query filters
-  - fields (string, optional): Comma-separated field names
-  - limit (number): Records to return (default: 20)
-  - offset (number): Pagination offset (default: 0)
-  - sort_by (string, optional): Field to sort by
-  - sort_order ('ASC'|'DESC'): Sort direction (default: 'ASC')
-
-Prefer concise human-readable summaries or tables when answering users. Structured fields are available for totals, pagination, and demographic records.`,
+      description: "Use this when the user wants quarterly demographic and market-structure attributes (office counts, metro classification, county/territory codes, geographic reference data) for FDIC-insured institutions. Filter by CERT and/or REPDTE. See fdic://schemas/demographics for the full field catalog.",
       inputSchema: DemographicsQuerySchema,
+      outputSchema: FdicDemographicsSearchOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -32790,7 +32719,10 @@ Prefer concise human-readable summaries or tables when answering users. Structur
           params.offset ?? 0,
           records.length
         );
-        const output = { ...pagination, demographics: records };
+        const output = capStructuredContent(
+          { ...pagination, demographics: records },
+          "demographics"
+        );
         const text = truncateIfNeeded(
           formatSearchResultText("demographic records", records, pagination, [
             "CERT",
@@ -32815,7 +32747,7 @@ Prefer concise human-readable summaries or tables when answering users. Structur
 }
 
 // src/tools/analysis.ts
-var import_zod7 = require("zod");
+var import_zod8 = require("zod");
 
 // src/tools/shared/progress.ts
 function asProgressToken(value) {
@@ -32841,7 +32773,7 @@ async function sendProgressNotification(sender, progressToken, progress, message
 }
 
 // src/tools/analysis.ts
-var SortFieldSchema = import_zod7.z.enum([
+var SortFieldSchema = import_zod8.z.enum([
   "asset_growth",
   "asset_growth_pct",
   "dep_growth",
@@ -32855,35 +32787,35 @@ var SortFieldSchema = import_zod7.z.enum([
   "deposits_per_office_change",
   "deposits_to_assets_change"
 ]);
-var AnalysisModeSchema = import_zod7.z.enum(["snapshot", "timeseries"]);
-var SnapshotAnalysisSchema = import_zod7.z.object({
-  state: import_zod7.z.string().optional().describe(
+var AnalysisModeSchema = import_zod8.z.enum(["snapshot", "timeseries"]);
+var SnapshotAnalysisSchema = import_zod8.z.object({
+  state: import_zod8.z.string().optional().describe(
     'State name for the institution roster filter. Example: "North Carolina"'
   ),
-  certs: import_zod7.z.array(import_zod7.z.number().int().positive()).max(100).optional().describe(
+  certs: import_zod8.z.array(import_zod8.z.number().int().positive()).max(100).optional().describe(
     "Optional list of FDIC certificate numbers to compare directly. Max 100."
   ),
-  institution_filters: import_zod7.z.string().optional().describe(
+  institution_filters: import_zod8.z.string().optional().describe(
     'Additional institution-level filter used when building the comparison set. Example: BKCLASS:N or CITY:"Charlotte"'
   ),
-  active_only: import_zod7.z.boolean().default(true).describe("Limit the comparison set to currently active institutions."),
-  start_repdte: import_zod7.z.string().regex(/^\d{8}$/).optional().describe(
+  active_only: import_zod8.z.boolean().default(true).describe("Limit the comparison set to currently active institutions."),
+  start_repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
     "Starting Report Date (REPDTE) in YYYYMMDD format. Must be a quarter-end date: March 31 (0331), June 30 (0630), September 30 (0930), or December 31 (1231). Example: 20210331 for Q1 2021. If omitted, defaults to the same quarter one year before end_repdte."
   ),
-  end_repdte: import_zod7.z.string().regex(/^\d{8}$/).optional().describe(
+  end_repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
     "Ending Report Date (REPDTE) in YYYYMMDD format. Must be a quarter-end date: March 31 (0331), June 30 (0630), September 30 (0930), or December 31 (1231). Must be later than start_repdte. Example: 20251231 for Q4 2025. If omitted, defaults to the most recent quarter-end date with published data (~90-day lag)."
   ),
   analysis_mode: AnalysisModeSchema.default("snapshot").describe(
     "Use snapshot for two-point comparison or timeseries for quarterly trend analysis across the date range."
   ),
-  include_demographics: import_zod7.z.boolean().default(true).describe(
+  include_demographics: import_zod8.z.boolean().default(true).describe(
     "Include office-count changes from the demographics dataset when available."
   ),
-  limit: import_zod7.z.number().int().min(1).max(100).default(10).describe("Maximum number of ranked comparisons to return."),
+  limit: import_zod8.z.number().int().min(1).max(100).default(10).describe("Maximum number of ranked comparisons to return."),
   sort_by: SortFieldSchema.default("asset_growth").describe(
     "Comparison field used to rank institutions. Valid options: asset_growth, asset_growth_pct, dep_growth, dep_growth_pct, netinc_change, netinc_change_pct, roa_change, roe_change, offices_change, assets_per_office_change, deposits_per_office_change, deposits_to_assets_change."
   ),
-  sort_order: import_zod7.z.enum(["ASC", "DESC"]).default("DESC").describe("Sort direction for the ranked comparisons.")
+  sort_order: import_zod8.z.enum(["ASC", "DESC"]).default("DESC").describe("Sort direction for the ranked comparisons.")
 });
 function resolveSnapshotDefaults(params) {
   const end_repdte = params.end_repdte ?? getDefaultReportDate();
@@ -33434,6 +33366,7 @@ Inputs:
 
 Returns concise comparison text plus structured deltas, derived metrics, and insight tags for each institution.`,
       inputSchema: SnapshotAnalysisSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -33687,7 +33620,7 @@ Returns concise comparison text plus structured deltas, derived metrics, and ins
 }
 
 // src/tools/peerGroup.ts
-var import_zod8 = require("zod");
+var import_zod9 = require("zod");
 
 // src/tools/shared/financialMetrics.ts
 function safeRatio(numerator, denominator) {
@@ -33831,33 +33764,33 @@ var METRIC_DEFINITIONS = {
     label: "Non-Interest Income Share"
   }
 };
-var PeerGroupInputSchema = import_zod8.z.object({
-  cert: import_zod8.z.number().int().positive().optional().describe(
+var PeerGroupInputSchema = import_zod9.z.object({
+  cert: import_zod9.z.number().int().positive().optional().describe(
     "Subject institution CERT number. When provided, auto-derives peer criteria and ranks this bank against peers."
   ),
-  repdte: import_zod8.z.string().regex(/^\d{8}$/).optional().describe(
+  repdte: import_zod9.z.string().regex(/^\d{8}$/).optional().describe(
     "Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on: March 31, June 30, September 30, and December 31. Example: 20231231 for Q4 2023. If omitted, defaults to the most recent quarter-end date likely to have published data (~90-day lag)."
   ),
-  asset_min: import_zod8.z.number().positive().optional().describe(
+  asset_min: import_zod9.z.number().positive().optional().describe(
     "Minimum total assets ($thousands) for peer selection. Defaults to 50% of subject's report-date assets when cert is provided."
   ),
-  asset_max: import_zod8.z.number().positive().optional().describe(
+  asset_max: import_zod9.z.number().positive().optional().describe(
     "Maximum total assets ($thousands) for peer selection. Defaults to 200% of subject's report-date assets when cert is provided."
   ),
-  charter_classes: import_zod8.z.array(import_zod8.z.string()).optional().describe(
+  charter_classes: import_zod9.z.array(import_zod9.z.string()).optional().describe(
     `Charter class codes to include (e.g., ["N", "SM"]). Defaults to the subject's charter class when cert is provided.`
   ),
-  state: import_zod8.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code (e.g., "NC", "TX").'),
-  raw_filter: import_zod8.z.string().optional().describe(
+  state: import_zod9.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code (e.g., "NC", "TX").'),
+  raw_filter: import_zod9.z.string().optional().describe(
     "Advanced: raw ElasticSearch query string appended to peer selection criteria with AND."
   ),
-  active_only: import_zod8.z.boolean().default(true).describe(
+  active_only: import_zod9.z.boolean().default(true).describe(
     "Limit to institutions where ACTIVE:1 (currently operating, FDIC-insured)."
   ),
-  extra_fields: import_zod8.z.array(import_zod8.z.string()).optional().describe(
+  extra_fields: import_zod9.z.array(import_zod9.z.string()).optional().describe(
     "Additional FDIC field names to include as raw values in the response. Does not affect peer selection."
   ),
-  limit: import_zod8.z.number().int().min(1).max(500).default(50).describe(
+  limit: import_zod9.z.number().int().min(1).max(500).default(50).describe(
     "Max peer records returned in the response. All matched peers are used for ranking regardless of this limit."
   )
 });
@@ -33986,6 +33919,7 @@ Output includes:
 
 Override precedence: cert derives defaults, then explicit params override them.`,
       inputSchema: PeerGroupInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -34322,7 +34256,7 @@ Override precedence: cert derives defaults, then explicit params override them.`
 }
 
 // src/tools/bankHealth.ts
-var import_zod9 = require("zod");
+var import_zod10 = require("zod");
 
 // src/tools/shared/camelsScoring.ts
 var SCORING_RULES = {
@@ -35643,12 +35577,12 @@ function collectRiskSignals(metrics, components, trends) {
   }
   return signals;
 }
-var BankHealthInputSchema = import_zod9.z.object({
-  cert: import_zod9.z.number().int().positive().describe("FDIC Certificate Number of the institution to analyze."),
-  repdte: import_zod9.z.string().regex(/^\d{8}$/).optional().describe(
+var BankHealthInputSchema = import_zod10.z.object({
+  cert: import_zod10.z.number().int().positive().describe("FDIC Certificate Number of the institution to analyze."),
+  repdte: import_zod10.z.string().regex(/^\d{8}$/).optional().describe(
     "Report Date (YYYYMMDD). Defaults to the most recent quarter likely to have published data."
   ),
-  quarters: import_zod9.z.number().int().min(1).max(20).default(8).describe("Number of prior quarters to fetch for trend analysis (default 8).")
+  quarters: import_zod10.z.number().int().min(1).max(20).default(8).describe("Number of prior quarters to fetch for trend analysis (default 8).")
 });
 function registerBankHealthTools(server) {
   server.registerTool(
@@ -35669,6 +35603,7 @@ Output includes:
 
 NOTE: Management (M) is omitted from component scoring \u2014 cannot be assessed from public data. Sensitivity (S) uses proxy metrics (NIM trend, securities concentration). This is a public off-site analytical proxy, not an official CAMELS rating.`,
       inputSchema: BankHealthInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -35810,7 +35745,7 @@ NOTE: Management (M) is omitted from component scoring \u2014 cannot be assessed
 }
 
 // src/tools/peerHealth.ts
-var import_zod10 = require("zod");
+var import_zod11 = require("zod");
 
 // src/tools/shared/peerEngine.ts
 function computeMedian2(values) {
@@ -35884,15 +35819,15 @@ function computePeerStats(subjectValue, peerValues, options) {
 }
 
 // src/tools/peerHealth.ts
-var PeerHealthInputSchema = import_zod10.z.object({
-  cert: import_zod10.z.number().int().positive().optional().describe("Subject institution CERT to highlight in the ranking. Optional."),
-  certs: import_zod10.z.array(import_zod10.z.number().int().positive()).max(50).optional().describe("Explicit list of CERTs to compare (max 50)."),
-  state: import_zod10.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code to select all active institutions (e.g., "WY").'),
-  asset_min: import_zod10.z.number().positive().optional().describe("Minimum total assets ($thousands) for peer selection."),
-  asset_max: import_zod10.z.number().positive().optional().describe("Maximum total assets ($thousands) for peer selection."),
-  repdte: import_zod10.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
-  sort_by: import_zod10.z.enum(["composite", "capital", "asset_quality", "earnings", "liquidity", "sensitivity"]).default("composite").describe("Sort results by composite or a specific CAMELS component rating."),
-  limit: import_zod10.z.number().int().min(1).max(100).default(25).describe("Max institutions to return in the response.")
+var PeerHealthInputSchema = import_zod11.z.object({
+  cert: import_zod11.z.number().int().positive().optional().describe("Subject institution CERT to highlight in the ranking. Optional."),
+  certs: import_zod11.z.array(import_zod11.z.number().int().positive()).max(50).optional().describe("Explicit list of CERTs to compare (max 50)."),
+  state: import_zod11.z.string().regex(/^[A-Z]{2}$/).optional().describe('Two-letter state code to select all active institutions (e.g., "WY").'),
+  asset_min: import_zod11.z.number().positive().optional().describe("Minimum total assets ($thousands) for peer selection."),
+  asset_max: import_zod11.z.number().positive().optional().describe("Maximum total assets ($thousands) for peer selection."),
+  repdte: import_zod11.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
+  sort_by: import_zod11.z.enum(["composite", "capital", "asset_quality", "earnings", "liquidity", "sensitivity"]).default("composite").describe("Sort results by composite or a specific CAMELS component rating."),
+  limit: import_zod11.z.number().int().min(1).max(100).default(25).describe("Max institutions to return in the response.")
 });
 function sortKeyToComponent(key) {
   const map = {
@@ -35922,6 +35857,7 @@ Output: Ranked list with per-institution proxy_score (1-4 scale) and proxy_band,
 
 NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`,
       inputSchema: PeerHealthInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36291,7 +36227,7 @@ NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`
 }
 
 // src/tools/riskSignals.ts
-var import_zod11 = require("zod");
+var import_zod12 = require("zod");
 function classifyRiskSignals(metrics, trends) {
   const signals = [];
   if (metrics.tier1_leverage !== null && metrics.tier1_leverage < 5) {
@@ -36362,15 +36298,15 @@ function classifyRiskSignals(metrics, trends) {
   return signals;
 }
 var SEVERITY_ORDER = { critical: 0, warning: 1, info: 2 };
-var RiskSignalsInputSchema = import_zod11.z.object({
-  state: import_zod11.z.string().regex(/^[A-Z]{2}$/).optional().describe("Scan all active institutions in this state."),
-  certs: import_zod11.z.array(import_zod11.z.number().int().positive()).max(50).optional().describe("Specific CERTs to scan (max 50)."),
-  asset_min: import_zod11.z.number().positive().optional().describe("Minimum total assets ($thousands) filter."),
-  asset_max: import_zod11.z.number().positive().optional().describe("Maximum total assets ($thousands) filter."),
-  repdte: import_zod11.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
-  min_severity: import_zod11.z.enum(["info", "warning", "critical"]).default("warning").describe("Minimum severity level to include in results (default: warning)."),
-  quarters: import_zod11.z.number().int().min(1).max(12).default(4).describe("Prior quarters to fetch for trend analysis (default 4)."),
-  limit: import_zod11.z.number().int().min(1).max(100).default(25).describe("Max flagged institutions to return.")
+var RiskSignalsInputSchema = import_zod12.z.object({
+  state: import_zod12.z.string().regex(/^[A-Z]{2}$/).optional().describe("Scan all active institutions in this state."),
+  certs: import_zod12.z.array(import_zod12.z.number().int().positive()).max(50).optional().describe("Specific CERTs to scan (max 50)."),
+  asset_min: import_zod12.z.number().positive().optional().describe("Minimum total assets ($thousands) filter."),
+  asset_max: import_zod12.z.number().positive().optional().describe("Maximum total assets ($thousands) filter."),
+  repdte: import_zod12.z.string().regex(/^\d{8}$/).optional().describe("Report Date (YYYYMMDD). Defaults to the most recent quarter."),
+  min_severity: import_zod12.z.enum(["info", "warning", "critical"]).default("warning").describe("Minimum severity level to include in results (default: warning)."),
+  quarters: import_zod12.z.number().int().min(1).max(12).default(4).describe("Prior quarters to fetch for trend analysis (default 4)."),
+  limit: import_zod12.z.number().int().min(1).max(100).default(25).describe("Max flagged institutions to return.")
 });
 function registerRiskSignalTools(server) {
   server.registerTool(
@@ -36393,6 +36329,7 @@ Output: Per-institution risk signals ranked by severity count. The proxy engine
 
 NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`,
       inputSchema: RiskSignalsInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36612,7 +36549,7 @@ NOTE: Public off-site analytical proxy \u2014 not official supervisory ratings.`
 }
 
 // src/tools/creditConcentration.ts
-var import_zod12 = require("zod");
+var import_zod13 = require("zod");
 
 // src/tools/shared/creditConcentration.ts
 var CREDIT_FIELDS = [
@@ -36728,9 +36665,9 @@ function formatCreditSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var CreditConcentrationSchema = import_zod12.z.object({
-  cert: import_zod12.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod12.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var CreditConcentrationSchema = import_zod13.z.object({
+  cert: import_zod13.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod13.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerCreditConcentrationTools(server) {
   server.registerTool(
@@ -36748,6 +36685,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: CreditConcentrationSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -36834,7 +36772,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/fundingProfile.ts
-var import_zod13 = require("zod");
+var import_zod14 = require("zod");
 
 // src/tools/shared/fundingProfile.ts
 var FUNDING_FIELDS = "CERT,REPDTE,ASSET,DEP,DEPDOM,DEPFOR,COREDEP,BROR,FREPP,EFREPP,EINTEXP,DEPDASTR,CHBALR,LNLSDEPR";
@@ -36934,9 +36872,9 @@ function formatFundingSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var FundingProfileSchema = import_zod13.z.object({
-  cert: import_zod13.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod13.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var FundingProfileSchema = import_zod14.z.object({
+  cert: import_zod14.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod14.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerFundingProfileTools(server) {
   server.registerTool(
@@ -36954,6 +36892,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: FundingProfileSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37040,7 +36979,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/securitiesPortfolio.ts
-var import_zod14 = require("zod");
+var import_zod15 = require("zod");
 
 // src/tools/shared/securitiesPortfolio.ts
 var SECURITIES_FIELDS = "CERT,REPDTE,ASSET,EQTOT,SC,SCRES";
@@ -37125,9 +37064,9 @@ function formatSecuritiesSummaryText(summary) {
   }
   return parts.join("\n");
 }
-var SecuritiesPortfolioSchema = import_zod14.z.object({
-  cert: import_zod14.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod14.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var SecuritiesPortfolioSchema = import_zod15.z.object({
+  cert: import_zod15.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod15.z.string().regex(/^\d{8}$/).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerSecuritiesPortfolioTools(server) {
   server.registerTool(
@@ -37145,6 +37084,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data. AFS/HTM breakdown is not currently available from the FDIC API.`,
       inputSchema: SecuritiesPortfolioSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37231,7 +37171,7 @@ NOTE: This is an analytical tool based on public financial data. AFS/HTM breakdo
 }
 
 // src/tools/ubprAnalysis.ts
-var import_zod15 = require("zod");
+var import_zod16 = require("zod");
 
 // src/tools/shared/ubprRatios.ts
 var UBPR_FIELDS = "CERT,REPDTE,ASSET,ROA,ROE,ROAPTX,NIMY,EEFFR,INTINC,EINTEXP,NONII,NONIX,NETINC,ELNATRY,LNLSNET,LNRE,LNCI,LNCON,LNAG,DEP,COREDEP,DEPDOM,DEPFOR,BROR,FREPP,IDT1CER,IDT1RWAJR,EQV,EQTOT,LNLSDEPR,DEPDASTR,CHBALR,NPERFV,NCLNLSR,NTLNLSR,LNATRESR,LNRESNCR,SC";
@@ -37342,9 +37282,9 @@ function formatUbprSummaryText(summary) {
   parts.push("UBPR-equivalent calculations, not official FFIEC UBPR output.");
   return parts.join("\n");
 }
-var UbprAnalysisSchema = import_zod15.z.object({
-  cert: import_zod15.z.number().int().positive().describe("FDIC Certificate Number"),
-  repdte: import_zod15.z.string().length(8).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
+var UbprAnalysisSchema = import_zod16.z.object({
+  cert: import_zod16.z.number().int().positive().describe("FDIC Certificate Number"),
+  repdte: import_zod16.z.string().length(8).optional().describe("Report date (YYYYMMDD). Defaults to most recent quarter.")
 });
 function registerUbprAnalysisTools(server) {
   server.registerTool(
@@ -37363,6 +37303,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: UbprAnalysisSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37463,7 +37404,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/marketShareAnalysis.ts
-var import_zod16 = require("zod");
+var import_zod17 = require("zod");
 
 // src/tools/shared/marketShare.ts
 function computeMarketShare(branches) {
@@ -37576,16 +37517,16 @@ function formatMarketShareText(summary) {
 function getDefaultSodYear() {
   return (/* @__PURE__ */ new Date()).getFullYear() - 1;
 }
-var MarketShareInputSchema = import_zod16.z.object({
-  msa: import_zod16.z.number().int().positive().optional().describe(
+var MarketShareInputSchema = import_zod17.z.object({
+  msa: import_zod17.z.number().int().positive().optional().describe(
     "FDIC MSABR numeric code for the Metropolitan Statistical Area (e.g., 19100 for Dallas-Fort Worth-Arlington, 42660 for Seattle-Tacoma-Bellevue). Use fdic_search_sod with MSABR to look up codes."
   ),
-  city: import_zod16.z.string().optional().describe('City name (e.g., "Austin"). Requires state.'),
-  state: import_zod16.z.string().length(2).optional().describe(
+  city: import_zod17.z.string().optional().describe('City name (e.g., "Austin"). Requires state.'),
+  state: import_zod17.z.string().length(2).optional().describe(
     "Two-letter state abbreviation (e.g., TX). Required when using city filter."
   ),
-  year: import_zod16.z.number().int().min(1994).optional().describe("SOD report year (1994-present). Defaults to most recent."),
-  cert: import_zod16.z.number().int().positive().optional().describe("Highlight a specific institution in the results.")
+  year: import_zod17.z.number().int().min(1994).optional().describe("SOD report year (1994-present). Defaults to most recent."),
+  cert: import_zod17.z.number().int().positive().optional().describe("Highlight a specific institution in the results.")
 });
 function registerMarketShareAnalysisTools(server) {
   server.registerTool(
@@ -37608,6 +37549,7 @@ Output includes:
 
 Requires at least one of: msa (numeric MSABR code), or city + state.`,
       inputSchema: MarketShareInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37723,7 +37665,7 @@ Requires at least one of: msa (numeric MSABR code), or city + state.`,
 }
 
 // src/tools/franchiseFootprint.ts
-var import_zod17 = require("zod");
+var import_zod18 = require("zod");
 var SOD_BRANCH_FIELDS = "CERT,NAMEFULL,DEPSUMBR,BRNUM,MSABR,STALPBR,YEAR";
 var SOD_FETCH_LIMIT2 = 1e4;
 var NON_MSA_LABEL = "Non-MSA / Rural";
@@ -37762,9 +37704,9 @@ function formatFranchiseFootprintText(summary) {
 function getDefaultSodYear2() {
   return (/* @__PURE__ */ new Date()).getFullYear() - 1;
 }
-var FranchiseFootprintInputSchema = import_zod17.z.object({
-  cert: import_zod17.z.number().int().positive().describe("FDIC Certificate Number"),
-  year: import_zod17.z.number().int().min(1994).optional().describe("SOD report year. Defaults to most recent.")
+var FranchiseFootprintInputSchema = import_zod18.z.object({
+  cert: import_zod18.z.number().int().positive().describe("FDIC Certificate Number"),
+  year: import_zod18.z.number().int().min(1994).optional().describe("SOD report year. Defaults to most recent.")
 });
 function registerFranchiseFootprintTools(server) {
   server.registerTool(
@@ -37782,6 +37724,7 @@ Output includes:
 
 Branches outside MSAs are grouped under "Non-MSA / Rural".`,
       inputSchema: FranchiseFootprintInputSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -37902,7 +37845,7 @@ Branches outside MSAs are grouped under "Non-MSA / Rural".`,
 }
 
 // src/tools/holdingCompanyProfile.ts
-var import_zod18 = require("zod");
+var import_zod19 = require("zod");
 
 // src/tools/shared/holdingCompany.ts
 var INDEPENDENT_LABEL = "(Independent)";
@@ -38019,11 +37962,11 @@ function formatHoldingCompanyProfileText(result) {
   }
   return parts.join("\n");
 }
-var HoldingCompanyProfileSchema = import_zod18.z.object({
-  hc_name: import_zod18.z.string().optional().describe(
+var HoldingCompanyProfileSchema = import_zod19.z.object({
+  hc_name: import_zod19.z.string().optional().describe(
     'Holding company name (e.g., "JPMORGAN CHASE & CO"). Uses NAMEHCR field.'
   ),
-  cert: import_zod18.z.number().int().positive().optional().describe(
+  cert: import_zod19.z.number().int().positive().optional().describe(
     "CERT of any subsidiary \u2014 looks up its holding company, then profiles the entire HC."
   )
 });
@@ -38041,6 +37984,7 @@ Output includes:
 
 NOTE: This is an analytical tool based on public financial data.`,
       inputSchema: HoldingCompanyProfileSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -38211,7 +38155,7 @@ NOTE: This is an analytical tool based on public financial data.`,
 }
 
 // src/tools/regionalContext.ts
-var import_zod19 = require("zod");
+var import_zod20 = require("zod");
 
 // src/services/fredClient.ts
 var import_axios2 = __toESM(require("axios"));
@@ -38411,14 +38355,14 @@ function formatRegionalContextText(summary) {
   parts.push("Note: Economic data from FRED (Federal Reserve Economic Data).");
   return parts.join("\n");
 }
-var RegionalContextSchema = import_zod19.z.object({
-  cert: import_zod19.z.number().int().positive().optional().describe(
+var RegionalContextSchema = import_zod20.z.object({
+  cert: import_zod20.z.number().int().positive().optional().describe(
     "FDIC Certificate Number \u2014 auto-detects state from institution record."
   ),
-  state: import_zod19.z.string().length(2).optional().describe(
+  state: import_zod20.z.string().length(2).optional().describe(
     "Two-letter state abbreviation (e.g., TX). Alternative to cert-based lookup."
   ),
-  repdte: import_zod19.z.string().regex(/^\d{8}$/).optional().describe(
+  repdte: import_zod20.z.string().regex(/^\d{8}$/).optional().describe(
     "Reference report date (YYYYMMDD). FRED data fetched for 2 years before this date."
   )
 });
@@ -38437,6 +38381,7 @@ Output includes:
 
 NOTE: Requires FRED_API_KEY environment variable for reliable data access. Degrades gracefully without it.`,
       inputSchema: RegionalContextSchema,
+      outputSchema: FdicAnalysisOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -38575,7 +38520,7 @@ NOTE: Requires FRED_API_KEY environment variable for reliable data access. Degra
 }
 
 // src/tools/chatgptRetrieval.ts
-var import_zod20 = require("zod");
+var import_zod21 = require("zod");
 
 // src/tools/shared/chatgptUrls.ts
 var FDIC_BANKFIND_BASE_URL = "https://banks.data.fdic.gov/bankfind-suite";
@@ -38595,11 +38540,11 @@ function getBranchCitationUrl() {
 }
 
 // src/tools/chatgptRetrieval.ts
-var SearchInputSchema = import_zod20.z.object({
-  query: import_zod20.z.string().min(1).describe("Natural-language search query.")
+var SearchInputSchema = import_zod21.z.object({
+  query: import_zod21.z.string().min(1).describe("Natural-language search query.")
 });
-var FetchInputSchema = import_zod20.z.object({
-  id: import_zod20.z.string().min(1).describe(
+var FetchInputSchema = import_zod21.z.object({
+  id: import_zod21.z.string().min(1).describe(
     "Retrieval item id, such as institution:<CERT>, failure:<CERT>, branch:<UNINUM>, or schema:<endpoint>."
   )
 });
@@ -38946,13 +38891,39 @@ async function fetchById(id) {
   }
   throw new Error(`Unsupported fetch id kind: ${kind}.`);
 }
-function registerChatGptRetrievalTools(server) {
+async function runSearch(query) {
+  const normalized = normalizeQuery(query);
+  const shouldIncludeFailures = shouldSearchFailures(normalized);
+  const shouldIncludeBranches = shouldSearchBranches(normalized);
+  const shouldIncludeSchemas = shouldSearchSchemas(normalized);
+  const [institutions, failures, branches] = await Promise.all([
+    safeSearch(() => searchInstitutions(normalized)),
+    shouldIncludeFailures ? safeSearch(() => searchFailures(normalized)) : Promise.resolve([]),
+    shouldIncludeBranches ? safeSearch(() => searchBranches(normalized)) : Promise.resolve([])
+  ]);
+  const fallbackFailures = failures.length === 0 && institutions.length === 0 ? await safeSearch(() => searchFailures(normalized)) : [];
+  const fallbackBranches = branches.length === 0 && institutions.length === 0 ? await safeSearch(() => searchBranches(normalized)) : [];
+  const schemas = shouldIncludeSchemas ? schemaSearchResults(normalized) : [];
+  const results = dedupeResults([
+    ...institutions,
+    ...failures,
+    ...branches,
+    ...fallbackFailures,
+    ...fallbackBranches,
+    ...schemas
+  ]);
+  return { results };
+}
+var SEARCH_DESCRIPTION = "Use this when the model needs citation-friendly FDIC BankFind search results for institutions, failed banks, branches, or schema documentation. Returns up to 8 results with id, title, and source URL.";
+var FETCH_DESCRIPTION = "Use this when the model needs the full citation text for a result returned by search. Pass the search result id (e.g. 'institution:3511', 'failure:1234', 'branch:<UNINUM>', 'schema:institutions').";
+function registerSearchTool(server, name) {
   server.registerTool(
-    "search",
+    name,
     {
       title: "Search FDIC BankFind",
-      description: "Use this when ChatGPT needs citation-friendly FDIC BankFind search results for institutions, failed banks, branches, or schema documentation.",
+      description: SEARCH_DESCRIPTION,
       inputSchema: SearchInputSchema,
+      outputSchema: ChatGptSearchResultSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -38961,37 +38932,22 @@ function registerChatGptRetrievalTools(server) {
       }
     },
     async ({ query }) => {
-      const normalized = normalizeQuery(query);
-      const shouldIncludeFailures = shouldSearchFailures(normalized);
-      const shouldIncludeBranches = shouldSearchBranches(normalized);
-      const shouldIncludeSchemas = shouldSearchSchemas(normalized);
-      const [institutions, failures, branches] = await Promise.all([
-        safeSearch(() => searchInstitutions(normalized)),
-        shouldIncludeFailures ? safeSearch(() => searchFailures(normalized)) : Promise.resolve([]),
-        shouldIncludeBranches ? safeSearch(() => searchBranches(normalized)) : Promise.resolve([])
-      ]);
-      const fallbackFailures = failures.length === 0 && institutions.length === 0 ? await safeSearch(() => searchFailures(normalized)) : [];
-      const fallbackBranches = branches.length === 0 && institutions.length === 0 ? await safeSearch(() => searchBranches(normalized)) : [];
-      const schemas = shouldIncludeSchemas ? schemaSearchResults(normalized) : [];
-      const results = dedupeResults([
-        ...institutions,
-        ...failures,
-        ...branches,
-        ...fallbackFailures,
-        ...fallbackBranches,
-        ...schemas
-      ]);
+      const payload = await runSearch(query);
       return {
-        content: [{ type: "text", text: jsonText({ results }) }]
+        content: [{ type: "text", text: jsonText(payload) }],
+        structuredContent: payload
       };
     }
   );
+}
+function registerFetchTool(server, name) {
   server.registerTool(
-    "fetch",
+    name,
     {
       title: "Fetch FDIC BankFind Result",
-      description: "Use this when ChatGPT needs the full citation text for a result returned by search.",
+      description: FETCH_DESCRIPTION,
       inputSchema: FetchInputSchema,
+      outputSchema: ChatGptFetchResultSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -39003,7 +38959,8 @@ function registerChatGptRetrievalTools(server) {
       try {
         const result = await fetchById(id);
         return {
-          content: [{ type: "text", text: jsonText(result) }]
+          content: [{ type: "text", text: jsonText(result) }],
+          structuredContent: result
         };
       } catch (err) {
         return formatToolError(err);
@@ -39011,9 +38968,21 @@ function registerChatGptRetrievalTools(server) {
     }
   );
 }
+function registerChatGptRetrievalTools(server, options = {}) {
+  const includeCanonical = options.includeCanonicalNames ?? true;
+  const includeAliases = options.includeNamespacedAliases ?? true;
+  if (includeCanonical) {
+    registerSearchTool(server, "search");
+    registerFetchTool(server, "fetch");
+  }
+  if (includeAliases) {
+    registerSearchTool(server, "fdic_search");
+    registerFetchTool(server, "fdic_fetch");
+  }
+}
 
 // src/tools/chatgptBankDeepDive.ts
-var import_zod21 = require("zod");
+var import_zod22 = require("zod");
 
 // src/resources/chatgptAppResources.ts
 var BANK_DEEP_DIVE_WIDGET_URI = "ui://widget/fdic-bank-deep-dive-v1.html";
@@ -39274,9 +39243,9 @@ function registerChatGptAppResources(server) {
 }
 
 // src/tools/chatgptBankDeepDive.ts
-var BankDeepDiveInputSchema = import_zod21.z.object({
-  cert: import_zod21.z.number().int().positive().describe("FDIC Certificate Number of the institution to render."),
-  repdte: import_zod21.z.string().regex(/^\d{8}$/).optional().describe(
+var BankDeepDiveInputSchema = import_zod22.z.object({
+  cert: import_zod22.z.number().int().positive().describe("FDIC Certificate Number of the institution to render."),
+  repdte: import_zod22.z.string().regex(/^\d{8}$/).optional().describe(
     "Quarter-end report date in YYYYMMDD format. Defaults to the most recent likely published quarter."
   )
 });
@@ -39343,6 +39312,7 @@ function registerChatGptBankDeepDiveTool(server) {
       title: "Show Bank Deep Dive Dashboard",
       description: "Use this when the user wants a scannable ChatGPT dashboard for one FDIC-insured institution, including identity, public financial metrics, risk signals, and source links.",
       inputSchema: BankDeepDiveInputSchema,
+      outputSchema: FdicBankDeepDiveOutputSchema,
       annotations: {
         readOnlyHint: true,
         destructiveHint: false,
@@ -39522,36 +39492,218 @@ function registerSchemaResources(server) {
   }
 }
 
+// src/prompts/workflows.ts
+var import_zod23 = require("zod");
+var BankDeepDiveArgs = {
+  bank: import_zod23.z.string().min(1).describe("Bank name or FDIC Certificate Number (CERT)."),
+  repdte: import_zod23.z.string().regex(/^\d{8}$/).optional().describe(
+    "Optional quarter-end report date in YYYYMMDD format (0331, 0630, 0930, or 1231)."
+  )
+};
+var FailureForensicsArgs = {
+  bank: import_zod23.z.string().min(1).describe("Failed bank name or FDIC Certificate Number (CERT)."),
+  lookback_quarters: import_zod23.z.string().regex(/^\d+$/).optional().describe(
+    "Number of pre-failure quarters to reconstruct (default 12 if omitted)."
+  )
+};
+var PortfolioSurveillanceArgs = {
+  scope: import_zod23.z.string().min(1).describe(
+    "Universe to screen \u2014 e.g., 'state:NC', 'asset_min:1000000,asset_max:10000000', or a comma-separated CERT list ('certs:3511,29846,...')."
+  ),
+  repdte: import_zod23.z.string().regex(/^\d{8}$/).optional().describe("Optional quarter-end report date in YYYYMMDD format.")
+};
+var ExaminerOverlayArgs = {
+  bank: import_zod23.z.string().min(1).describe("Bank name or FDIC Certificate Number (CERT)."),
+  qualitative_notes: import_zod23.z.string().optional().describe(
+    "Optional qualitative analyst inputs (management quality, governance, exam findings) to overlay onto the public proxy assessment."
+  )
+};
+function userText(text) {
+  return {
+    role: "user",
+    content: { type: "text", text }
+  };
+}
+function registerWorkflowPrompts(server) {
+  server.registerPrompt(
+    "bank_deep_dive",
+    {
+      title: "Comprehensive Bank Deep Dive",
+      description: "Produce a comprehensive single-institution analysis report (health, financials, peer benchmarking, credit concentration, funding profile, securities, franchise footprint, regional context).",
+      argsSchema: BankDeepDiveArgs
+    },
+    ({ bank, repdte }) => ({
+      messages: [
+        userText(
+          [
+            `Run a comprehensive FDIC bank deep dive for "${bank}"${repdte ? ` as of ${repdte}` : ""}.`,
+            "",
+            "Steps:",
+            "1. If a CERT was not given, call fdic_search_institutions to resolve the bank to a CERT.",
+            "2. Call fdic_analyze_bank_health and fdic_ubpr_analysis for the resolved CERT.",
+            "3. Call fdic_peer_group_analysis to benchmark the institution against peers.",
+            "4. Call fdic_analyze_credit_concentration, fdic_analyze_funding_profile, and fdic_analyze_securities_portfolio.",
+            "5. Call fdic_franchise_footprint for branch/deposit geography and fdic_regional_context for the home market.",
+            "6. Synthesize into a narrative report with: identity & footprint, health summary, financial performance, peer position, credit concentration, funding profile, securities portfolio, regional context, and a public-data caveat.",
+            "",
+            "All output must be grounded in tool results. Treat any CAMELS-style scoring as a public off-site analytical proxy \u2014 not an official supervisory rating. Note unit conventions ($thousands) where relevant."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "failure_forensics",
+    {
+      title: "Failed Bank Forensics",
+      description: "Reconstruct the pre-failure financial timeline of a failed FDIC institution and identify the earliest visible warning signals.",
+      argsSchema: FailureForensicsArgs
+    },
+    ({ bank, lookback_quarters }) => ({
+      messages: [
+        userText(
+          [
+            `Run a failure-forensics post-mortem for "${bank}" using the FDIC tools.`,
+            "",
+            "Steps:",
+            "1. Resolve the bank to a CERT via fdic_search_institutions or fdic_search.",
+            "2. Call fdic_get_institution_failure to confirm failure date, resolution type, and cost.",
+            `3. Call fdic_search_financials with CERT and a sort_by:REPDTE DESC ordering to pull the prior ${lookback_quarters ?? "12"} quarters before the failure date.`,
+            "4. Call fdic_analyze_credit_concentration, fdic_analyze_funding_profile, and fdic_analyze_securities_portfolio at the latest available pre-failure quarter.",
+            "5. Call fdic_search_history for structural-change events (mergers, charter conversions, assistance) leading up to the failure.",
+            "6. Synthesize a forensic timeline with: failure facts, the deterioration arc (capital, asset quality, earnings, liquidity), the earliest warning signals visible in public data, and likely drivers.",
+            "",
+            "Highlight inflection points (e.g. quarter ROA turned negative, when noncurrent loans exceeded reserves). Reference each finding to the report date that supports it."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "portfolio_surveillance",
+    {
+      title: "Portfolio Surveillance Watchlist",
+      description: "Screen a universe of FDIC institutions and produce a decision-ready watchlist tiered Escalate / Monitor / No Immediate Concern.",
+      argsSchema: PortfolioSurveillanceArgs
+    },
+    ({ scope, repdte }) => ({
+      messages: [
+        userText(
+          [
+            `Run portfolio surveillance over scope: "${scope}"${repdte ? ` as of ${repdte}` : ""}.`,
+            "",
+            "Steps:",
+            "1. Build the institution roster:",
+            "   - state:<XX> \u2192 fdic_search_institutions filters STALP:<XX> AND ACTIVE:1",
+            "   - asset_min:<n>,asset_max:<n> \u2192 ASSET range",
+            "   - certs:<csv> \u2192 use the comma-separated list directly",
+            "2. Call fdic_detect_risk_signals across the roster.",
+            "3. Call fdic_compare_peer_health to rank by composite proxy band.",
+            "4. For the highest-risk subset, call fdic_analyze_bank_health for full proxy assessments.",
+            "5. Tier institutions:",
+            "   - Escalate: critical risk signals or proxy band 'unsatisfactory'.",
+            "   - Monitor: warning signals or 'fair' band, especially deteriorating trends.",
+            "   - No Immediate Concern: no critical signals, satisfactory or strong band.",
+            "6. Produce a watchlist table per tier (CERT, name, key signals, rationale).",
+            "",
+            "Treat all scoring as a public off-site analytical proxy. Surface data caveats explicitly."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+  server.registerPrompt(
+    "examiner_overlay",
+    {
+      title: "Examiner Overlay Assessment",
+      description: "Layer qualitative analyst/examiner inputs on top of the public CAMELS proxy and produce a blended assessment with explicit provenance.",
+      argsSchema: ExaminerOverlayArgs
+    },
+    ({ bank, qualitative_notes }) => ({
+      messages: [
+        userText(
+          [
+            `Produce an examiner-overlay assessment for "${bank}".`,
+            "",
+            "Steps:",
+            "1. Resolve to a CERT via fdic_search_institutions if needed.",
+            "2. Call fdic_analyze_bank_health to get the public_camels_proxy_v1 baseline (capital, asset quality, earnings, liquidity, sensitivity).",
+            "3. Call fdic_ubpr_analysis for performance ratios and fdic_analyze_funding_profile / fdic_analyze_credit_concentration for sub-component depth.",
+            "4. Combine the public baseline with qualitative analyst inputs:",
+            qualitative_notes ? `   Analyst notes: ${qualitative_notes}` : "   (No qualitative inputs provided \u2014 produce the public baseline and clearly mark which factors would benefit from qualitative overlay.)",
+            "5. Produce a blended assessment with two columns labeled exactly: 'Public-data finding' and 'Examiner overlay'. Never present overlay inputs as if they came from public data.",
+            "6. Final composite must reconcile both columns and call out any divergence.",
+            "",
+            "Disclaimer: this overlay is not an official CAMELS rating or confidential supervisory conclusion."
+          ].join("\n")
+        )
+      ]
+    })
+  );
+}
+
 // src/index.ts
-function createServer() {
+function resolveProfile(raw) {
+  const tokens = (raw ?? "all").split(",").map((token) => token.trim().toLowerCase()).filter((token) => token.length > 0);
+  const has = (token) => tokens.includes(token);
+  const all = has("all") || tokens.length === 0;
+  const includeChatgpt = all || has("chatgpt");
+  return {
+    core: all || has("core"),
+    analysis: all || has("analysis"),
+    chatgptCanonical: all || includeChatgpt || has("chatgpt-canonical"),
+    chatgptAliases: all || includeChatgpt || has("chatgpt-aliases"),
+    chatgptDeepDive: all || includeChatgpt,
+    prompts: all || has("prompts"),
+    resources: all || has("resources")
+  };
+}
+function createServer(options = {}) {
   const server = new import_mcp.McpServer({
     name: "fdic-mcp-server",
     version: VERSION
   });
-  registerInstitutionTools(server);
-  registerFailureTools(server);
-  registerLocationTools(server);
-  registerHistoryTools(server);
-  registerFinancialTools(server);
-  registerSodTools(server);
-  registerDemographicsTools(server);
-  registerAnalysisTools(server);
-  registerPeerGroupTools(server);
-  registerBankHealthTools(server);
-  registerPeerHealthTools(server);
-  registerRiskSignalTools(server);
-  registerCreditConcentrationTools(server);
-  registerFundingProfileTools(server);
-  registerSecuritiesPortfolioTools(server);
-  registerUbprAnalysisTools(server);
-  registerMarketShareAnalysisTools(server);
-  registerFranchiseFootprintTools(server);
-  registerHoldingCompanyProfileTools(server);
-  registerRegionalContextTools(server);
-  registerChatGptRetrievalTools(server);
-  registerChatGptBankDeepDiveTool(server);
-  registerChatGptAppResources(server);
-  registerSchemaResources(server);
+  const profile = resolveProfile(options.profile ?? process.env.FDIC_MCP_PROFILE);
+  if (profile.core) {
+    registerInstitutionTools(server);
+    registerFailureTools(server);
+    registerLocationTools(server);
+    registerHistoryTools(server);
+    registerFinancialTools(server);
+    registerSodTools(server);
+    registerDemographicsTools(server);
+  }
+  if (profile.analysis) {
+    registerAnalysisTools(server);
+    registerPeerGroupTools(server);
+    registerBankHealthTools(server);
+    registerPeerHealthTools(server);
+    registerRiskSignalTools(server);
+    registerCreditConcentrationTools(server);
+    registerFundingProfileTools(server);
+    registerSecuritiesPortfolioTools(server);
+    registerUbprAnalysisTools(server);
+    registerMarketShareAnalysisTools(server);
+    registerFranchiseFootprintTools(server);
+    registerHoldingCompanyProfileTools(server);
+    registerRegionalContextTools(server);
+  }
+  if (profile.chatgptCanonical || profile.chatgptAliases) {
+    registerChatGptRetrievalTools(server, {
+      includeCanonicalNames: profile.chatgptCanonical,
+      includeNamespacedAliases: profile.chatgptAliases
+    });
+  }
+  if (profile.chatgptDeepDive) {
+    registerChatGptBankDeepDiveTool(server);
+    registerChatGptAppResources(server);
+  }
+  if (profile.resources) {
+    registerSchemaResources(server);
+  }
+  if (profile.prompts) {
+    registerWorkflowPrompts(server);
+  }
   return server;
 }
 async function runStdio() {
@@ -39623,23 +39775,61 @@ function sendInvalidSessionResponse(res) {
 }
 function createApp(options = {}) {
   const app = (0, import_express2.default)();
-  const serverFactory = options.serverFactory ?? createServer;
+  const serverFactory = options.serverFactory ?? (() => createServer());
   const port = options.port ?? 3e3;
   const allowedOrigins = options.allowedOrigins ?? parseAllowedOrigins(void 0, port);
   const sessions = /* @__PURE__ */ new Map();
   const chatSessions = /* @__PURE__ */ new Map();
   const sessionIdleTimeoutMs = options.sessionIdleTimeoutMs ?? DEFAULT_SESSION_IDLE_TIMEOUT_MS;
   const sessionSweepIntervalMs = options.sessionSweepIntervalMs ?? DEFAULT_SESSION_SWEEP_INTERVAL_MS;
+  const stateless = options.stateless ?? process.env.FDIC_MCP_STATELESS_HTTP === "true";
   app.use(import_express2.default.json());
-  const sessionSweepTimer = setInterval(() => {
-    void sweepIdleSessions(sessions, sessionIdleTimeoutMs, Date.now());
-    sweepIdleChatSessions(chatSessions, sessionIdleTimeoutMs, Date.now());
-  }, sessionSweepIntervalMs);
-  sessionSweepTimer.unref?.();
+  if (!stateless) {
+    const sessionSweepTimer = setInterval(() => {
+      void sweepIdleSessions(sessions, sessionIdleTimeoutMs, Date.now());
+      sweepIdleChatSessions(chatSessions, sessionIdleTimeoutMs, Date.now());
+    }, sessionSweepIntervalMs);
+    sessionSweepTimer.unref?.();
+  }
   app.get("/health", (_req, res) => {
     res.json({ status: "ok", server: "fdic-mcp-server", version: VERSION });
   });
   app.all("/mcp", async (req, res) => {
+    if (stateless) {
+      let server;
+      let transport;
+      try {
+        server = serverFactory();
+        transport = new import_streamableHttp.StreamableHTTPServerTransport({
+          sessionIdGenerator: void 0,
+          enableJsonResponse: true,
+          enableDnsRebindingProtection: true,
+          allowedOrigins
+        });
+        res.on("close", () => {
+          void transport?.close().catch(() => {
+          });
+          void server?.close().catch(() => {
+          });
+        });
+        await server.connect(transport);
+        await transport.handleRequest(req, res, req.body);
+      } catch (error) {
+        console.error("MCP request error:", error);
+        if (!res.headersSent) {
+          res.status(500).json({
+            jsonrpc: "2.0",
+            error: { code: -32603, message: "Internal server error" },
+            id: null
+          });
+        }
+        await transport?.close().catch(() => {
+        });
+        await server?.close().catch(() => {
+        });
+      }
+      return;
+    }
     const sessionIdHeader = req.headers["mcp-session-id"];
     const sessionId = typeof sessionIdHeader === "string" ? sessionIdHeader : void 0;
     try {