OptimaYield free bank-treasury tools

com.optimayieldPublished by optimayield.comOfficial publisherv1.1.0Updated Nov 5, 2026

Look up US banks and run rate-shock, margin, maturity-wall and reserve calculators. Free, no key.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Free remote MCP server for US bank treasury analysis: look up banks by FDIC certificate and run rate-shock, margin, maturity and reserve calculators.

What you can do
  • Search US banks by name or state and get FDIC certificate numbers, location and total assets
  • Read a bank's latest Call Report profile: assets, deposits, loans, ROA, ROE, margins, capital and credit ratios
  • Model interest-rate scenarios: Fed funds rate shocks, loan versus deposit beta and margin capture against peers
  • Assess funding risk: time deposits maturing or repricing within a year and deposit pricing decisions
  • Stress net charge-offs, provision needs and the after-tax capital impact against peers
When to use it
Useful when an assistant needs quick, sourced figures on a specific US bank or wants to sketch treasury and ALCO-style scenarios such as rate shocks, deposit pricing or loss reserves without a paid data subscription.
Requirements
Remote streamable HTTP endpoint; no key, account, environment variables or headers declared. Every tool needs an FDIC certificate number, which search_banks supplies.
Before you install
Results are computed from FFIEC Call Report filings and mix filed, derived and assumed figures; the server asks that limitations be relayed when summarizing. Treat outputs as estimates for analysis, not as investment or regulatory advice, and verify against filings before decisions.

Installation

In SourceWeft

  1. Open OptimaYield free bank-treasury tools in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.optimayield%2Fbank-tools/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "optimayield-free-bank-treasury-tools": {
      "type": "http",
      "url": "https://www.optimayield.com/api/mcp"
    }
  }
}

Tools

7

search_banks

Find a bank's FDIC certificate number

Look up a US bank by name (legal or common, e.g. "Chase", "state street") and return its FDIC certificate number, city, state and total assets. Use this first: every other tool needs the certificate. Optionally narrow by two-letter state.

Parameterslimitqueryrequiredstate

get_bank_profile

Bank profile: size, capital, margin, liquidity

Headline profile for one bank from its latest Call Report data: identity, total assets, deposits, loans, ROA, ROE, net interest margin, capital, liquidity and credit ratios, with the reporting period and source. Units are stated on every value.

Parameterscertificaterequired

nim_rate_shock

Net interest income rate-shock calculator

Estimate how a Fed funds move changes a bank's loan yield, deposit cost, and net interest income, using its own filed pass-through history. Free; computed from FFIEC filings; results state whether each number is filed, derived, or assumed.

ParametersregimefedMoveBpcertificaterequiredloanBetaOverridedepositBetaOverride

margin_capture

Margin capture report: loan beta versus deposit beta

Compare a bank's loan beta with its deposit beta and rank the spread against its asset-band peers, from FFIEC filings. Free; computed from FFIEC filings; results state whether each number is filed, derived, or assumed.

Parameterscyclecertificaterequired

maturity_wall_refinancing

Maturity wall refinancing calculator

Measure time deposits maturing or repricing within a year, then test explicit renewal and replacement assumptions against tier-specific costs. Free; computed from FFIEC filings; results state whether each number is filed, derived, or assumed.

ParameterscertificaterequiredretentionPercentwholesaleSpreadBprenewalRatePercent

deposit_pricing_decision

Deposit pricing decision: Defend, Match, or Lead

Price holding, matching, or beating the market rate on a bank's deposits: annual cost, balances at risk, breakeven retention, and sensitivity. Free; computed from FFIEC filings; results state whether each number is filed, derived, or assumed.

ParameterscategorycertificaterequiredleadPremiumBpmarketRatePercentreplacementSpreadBprepricedSharePercentbaselineRunoffPercentrunoffPerPointPercent

loss_reserve_scenario

Loss and reserve scenario: charge-offs, provision, and capital

Stress a bank's net charge-offs: provision needed to hold its allowance ratio and the after-tax hit to CET1 or leverage capital, with peers. Free; computed from FFIEC filings; results state whether each number is filed, derived, or assumed.

ParameterscertificaterequiredreserveBuildBptaxRatePercentloanGrowthPercentcapitalFloorPercentstressNcoRatePercentearningsOffsetPercent

Version history

1
  1. v1.1.0LatestNov 5, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.