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          "states": {
            "title": "States",
            "type": "array",
            "description": "Two-letter USPS codes for the institution's MAIN OFFICE state, e.g. CA, NY, TX, or a territory (PR, GU, VI, AS, MP). Several codes are ORed. Empty = every state.",
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          "cities": {
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            "type": "array",
            "description": "City names, matched EXACTLY as FDIC stores them - normally Title Case, e.g. \"San Francisco\", \"New York\" (\"SAN FRANCISCO\" or \"san francisco\" will match nothing; verified 28 September 2026). Several cities are ORed. Empty = every city.",
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            "description": "On: only institutions currently open and FDIC-insured (ACTIVE=1). Off: every institution FDIC has ever chartered or insured, including banks closed decades ago. Of the roughly 27,800 institutions in the table, about 4,200 are currently active (measured 28 September 2026).",
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