FinRank Shiver

Who owns deposits in a local market. For banks, ranks FDIC Summary of Deposits branch-level deposits and share %. For credit unions / CUs, ranks nearby NCUA institutions by latest total shares & deposits as a market proxy. Specify city + state (e.g. Austin, TX) or institution_id; set institution_type='credit_union' for CU questions.

deposit_market_share

Search institutions by name. Returns id, name, type (credit_union/bank), city, state, and total assets so you can disambiguate similarly-named institutions. Use the returned `id` in other tools.

find_institution

What an institution has DONE — its biggest rate moves, promotions, and ads — from FinRank's daily tracker. Use to answer 'what did competitor X do?'. For the full current rate card, use get_rates. Tracking began ~Feb 2026.

get_actions

An institution's branch network — locations and service features (ATM, drive-thru, shared-branching). NCUA credit unions only today (FDIC bank branches come from SOD, not yet loaded). Returns a feature summary plus the branch list.

get_branches

An institution's CFPB consumer complaints since 2020: monthly trend, product mix (checking/savings, credit card, mortgage, auto…), issue tags (fraud/security, fees, servicing, customer service…), and timely-response rate. Counts only — never narratives. Coverage skews to larger institutions; small FIs often have no CFPB complaints at all.

get_complaints

Get an institution's reported financial metrics for one period (defaults to the latest available). Returns metric_key → value. Values are whole US dollars unless the metric is a ratio/percent.

get_financials

An institution's HMDA-reported mortgage business by year: applications, originations, denials, and dollar volume, broken down by loan purpose (home purchase, refinancing, cash-out refi, home improvement). Answers 'how big is their mortgage operation?' and 'what is their approval/denial rate?'. Annual data; the latest year is the most recent CFPB snapshot (~6-month publication lag).

get_mortgage_lending

An institution's CURRENT posted deposit & loan rates by product, each with its most recent change (how it moved last quarter). From FinRank's daily rate tracking. Answers 'what are PECU's CD / auto / savings rates and how have they changed?'. is_promotional=1 = a special/promo rate; delta in basis points. Tracking began ~Feb 2026.

get_rates

List the financial metrics available from the call-report data, with labels, units, and which sources (NCUA credit unions / FDIC banks) report each. Call this first to learn valid metric keys for other tools.

list_metrics

Merger & acquisition activity, and how it splits real growth into organic vs. acquired. Three modes: - mode='most_active' (default): the most acquisitive institutions — who is rolling up the industry. Returns acquisition count, total acquired assets (USD), and latest deal date. - mode='organic_growth': ranks institutions by ORGANIC asset growth over a ~1-year window = total asset change minus the assets they absorbed via mergers. Distinguishes genuine organic growers from merger-fueled ones. - mode='institution': one institution's full merger history (as acquirer and/or acquired), with counterparties, reasons, and deal sizes. Deal sizes (acquired assets) are available for credit-union (NCUA) mergers; FDIC bank merger events are flagged but without deal sizes, so organic_growth defaults to NCUA.

merger_activity