US Banks and Credit Unions

banks-credit-unions

Every active FDIC-insured bank and federally insured credit union, largest by total assets first.

Index 12.0 · scanned 2026-10-11 · up to 32 URLs per site · 8519 organizations · 7198 scanned (84.5% coverage) · 499 with no published URL · scored as financial-services

Median score 54 across 7198 sites
Middle half 47–60 spread around the median
Full range 16–77 lowest to highest
Gated 2722 of 7198 block AI crawlers outright

Middle of 14 cohorts. All cohorts 50 · best cohort 58.

Where this list came from

The source, and how we filtered it

Source FDIC BankFind institutions and NCUA quarterly call report data (FOICU, FS220, FS220D), Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA) (2026-10-09 (FDIC); 2026-06 call report (NCUA))
LicenseWorks of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105).
How we filtered itActive FDIC-insured institutions from BankFind (ACTIVE:1), with the website the institution reported (WEBADDR) and total assets (ASSET, in thousands of dollars), plus every federally insured credit union in NCUA's June 2026 call report data: name and location from FOICU, total assets (ACCT_010, dollars) from FS220 and the website the credit union gave on its call report (ACCT_891) from FS220D. Both are put in dollars and the list is ordered by total assets, largest first, so the rank is the order. A `kind` tag on each row says bank or credit union. An address is taken as reported and reduced to the site root; a blank stays a row with a note, never searched for. Institutions that share a website (banks of one holding company, mostly) are all kept and the site is measured once. See scripts/prepare_banks_credit_unions.py.
Built2026-10-11

The filtering is ours and is disclosed as ours. The source published a list; the decision about which rows of it belong in a cohort was a judgment call, and it is written down so somebody can disagree with it.

Distribution

Where the 7198 sites land

GradeShare of the cohort SitesShare
Adequate
1862 25.9%
Weak
4440 61.7%
Not ready
878 12.2%
Strong
18 0.3%
By dimension

What the cohort earns, dimension by dimension

The mean share of each dimension’s available points that this cohort earned. Low here means the whole sector is weak on it, not that one site dragged an average down. The per-site spread is in the dataset.

DimensionMean share earned Mean
#1 · Reach
These parameters determine the fundamental ease of access that AI has to your site information.
74%
#2 · Read
AI generally turns off JavaScript. Does your site information survive without it?
47%
#3 · Understand
Does a machine know who and what you are?
27%
#4 · Act
Sitemaps, redirects, 404s, licensing terms, and not wasting the crawl budget.
66%
How much of each site we read

The cap is 32 URLs and it is a ceiling, not a promise. A portal whose every link points at a different host yields one page; a university yields the full sample. The median here is 32, the range 1–32, published so that "we sampled 32 URLs per site" cannot become a claim the data does not support.

67 sites in this cohort served a certificate we could not verify. They were read anyway and scored normally, because reporting no response for a site every browser loads would describe our TLS stack rather than the site, and each one carries the finding in its row.

Where this cohort fails

4 tests almost nobody in this cohort passes

Universal — nobody passes these 4 checks
TestWhat it asks FailingOf Points
EXT-12 Do you tell search engines the moment a page changes?
100.0% 		7198 0
EXT-14 Does your site offer its actions to AI browsers as tools?
100.0% 		6856 0
EXT-16 Do you publish a card or a skills list for the agents you run?
100.0% 		7198 0
EXT-17 Do you list your agents in your domain's DNS records?
100.0% 		7060 0
Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
EXT-11 Have you marked the part of a page that answers a spoken question?
99.9% 		7198 0
EXT-7 If you run real question-and-answer pages, are they marked as such?
99.7% 		326 0
PST-2 Have you posted a Content Signals statement about what AI may do with your content?
99.5% 		7198 0
EXT-18 Do you tell AI shoppers how they can pay?
99.4% 		516 0
RED-12 If a machine asks for Markdown, does your site give it?
99.4% 		7198 2
EXT-2 Do you list your APIs and agent tools where agents look for them?
99.2% 		603 0
RED-10 Do you offer a plain-text (Markdown) copy of your pages?
99.0% 		5669 2
UND-1 Does your site say clearly who you are?
97.8% 		7198 2
UND-5 Does the author label in your page code point to that person?
97.6% 		5095 1
RED-5 Do your PDFs and images have their own rules for search and quoting?
97.4% 		5472 1
EXT-1 Do you publish an llms.txt file for coding assistants?
95.0% 		7198 0
Common — 90 to 95% 7 checks · 3 of them worth 2 points or more
TestWhat it asks FailingOf Points
RED-11 Does each page tell machines where its Markdown copy is?
94.9% 		59 1
UND-2 Does your site use the page labels that search engines still read for what you publish?
94.5% 		7197 3
PST-4 Have you reserved your text and data mining rights in a form machines can read?
92.3% 		7198 0
EXT-13 Can an assistant ask your site a question directly?
92.2% 		7198 0
EXT-4 Can an AI assistant connect to your site as a tool?
91.7% 		7198 0
UND-3 Do the prices and availability in your page code match what the page shows?
90.5% 		516 3
UND-10 Does your page code link to your official profiles elsewhere?
90.1% 		7198 2

Coral bars mark tests worth 2 points or more, the failures that actually move a score.

Every site

Every 8,519, named, with a report for each

Whether or not it has been scanned. Rows with no website on record, sites that were unreachable and sites that turned us away stay in the table with the reason on them, and none of them enters an average: dropping them would shrink the population to the part that was easy to measure. A few points between two neighbors is noise. The box filters every row in the cohort, not only the page you are on; click a header to sort the rows on this page by name or by score.

Showing 1–100 of 8,519 · page 1 of 86

SiteScore GatedPages read Report
JPMorgan Chase Bank, National Association jpmorganchase.comFDIC 628 · Columbus, Ohio 69 No 32
Bank of America, National Association bankofamerica.comFDIC 3510 · Charlotte, North Carolina 44 No 30
Citibank, National Association citibank.comFDIC 7213 · Sioux Falls, South Dakota 52 No 1
Wells Fargo Bank, National Association wellsfargo.comFDIC 3511 · Sioux Falls, South Dakota 52 Gated 32
Goldman Sachs Bank USA marcus.comblockedFDIC 33124 · New York, New York; not measured: HTTP 403 — No —
U.S. Bank National Association usbank.comFDIC 6548 · Cincinnati, Ohio 68 No 32
Capital One, National Association capitalone.comFDIC 4297 · Mclean, Virginia 54 Gated 32
PNC Bank, National Association pnc.comFDIC 6384 · Wilmington, Delaware 54 Gated 32
Truist Bank truist.comFDIC 9846 · Charlotte, North Carolina 61 No 32
The Bank of New York Mellon bny.comFDIC 639 · New York, New York 43 Gated 31
Morgan Stanley Bank, National Association no website on recordFDIC 32992 · Salt Lake City, Utah; no web address reported to the FDIC — No —
State Street Bank and Trust Company statestreet.comFDIC 14 · Boston, Massachusetts 44 No 32
TD Bank, National Association td.comFDIC 18409 · Wilmington, Delaware; the reported address pointed at a page, the site root is scanned 54 No 32
Fifth Third Bank, National Association 53.comFDIC 6672 · Cincinnati, Ohio 67 No 3
The Huntington National Bank huntington.comblockedFDIC 6560 · Columbus, Ohio; not measured: HTTP 403 (Akamai) — No —
BMO Bank National Association bmo.comFDIC 16571 · Chicago, Illinois 33 Gated 1
Charles Schwab Bank, SSB schwabbank.comblockedFDIC 57450 · Westlake, Texas; not measured: HTTP 403 — No —
Morgan Stanley Private Bank, National Association etrade.comFDIC 34221 · Purchase, New York 33 Gated 1
First-Citizens Bank & Trust Company firstcitizens.comFDIC 11063 · Raleigh, North Carolina 48 Gated 32
Citizens Bank, National Association citizensbank.comblockedFDIC 57957 · Providence, Rhode Island; not measured: HTTP 403 (Akamai) — No —
Manufacturers and Traders Trust Company mtb.comFDIC 588 · Buffalo, New York 54 Gated 32
American Express National Bank americanexpress.comFDIC 27471 · Sandy, Utah 49 Gated 32
Navy Federal Credit Union navyfcu.orgNCUA 5536 · Vienna, VA 67 No 1
KeyBank National Association key.comblockedFDIC 17534 · Cleveland, Ohio; not measured: HTTP 403 (Akamai) — No —
Ally Bank ally.comFDIC 57803 · Sandy, Utah 33 Gated 1
The Northern Trust Company northerntrust.comFDIC 913 · Chicago, Illinois 33 Gated 1
HSBC Bank USA, National Association about.us.hsbc.comFDIC 57890 · Tysons, Virginia; the reported address pointed at a page, the site root is scanned 62 No 13
Regions Bank regions.comblockedFDIC 12368 · Birmingham, Alabama; not measured: challenge page (Imperva) — No —
Pinnacle Bank pnfp.comblockedFDIC 35583 · Nashville, Tennessee; not measured: HTTP 403 (Akamai) — No —
UBS Bank USA, National Association ubs.comFDIC 57565 · Salt Lake City, Utah; the reported address pointed at a page, the site root is scanned 58 No 32
Synchrony Bank synchronybank.comblockedFDIC 27314 · Draper, Utah; not measured: HTTP 403 (Akamai) — No —
USAA Federal Savings Bank usaa.comFDIC 32188 · Phoenix, Arizona 38 Gated 32
Santander Bank, N.A. santander.comFDIC 29950 · Wilmington, Delaware 52 No 32
City National Bank cnb.comFDIC 17281 · Los Angeles, California 62 No 32
Western Alliance Bank westernalliancebancorporation.comFDIC 57512 · Phoenix, Arizona 64 No 32
Zions Bancorporation, N.A. zionsbancorporation.comblockedFDIC 2270 · Salt Lake City, Utah; not measured: HTTP 403 (Cloudflare) — No —
Flagstar Bank, National Association flagstar.comblockedFDIC 32541 · Hicksville, New York; not measured: HTTP 403 (Cloudflare) — No —
East West Bank eastwestbank.comFDIC 31628 · Pasadena, California 69 No 32
First Horizon Bank firsthorizon.comblockedFDIC 4977 · Memphis, Tennessee; not measured: HTTP 403 — No —
Old National Bank oldnational.comblockedFDIC 3832 · Evansville, Indiana; not measured: HTTP 403 (Cloudflare) — No —
UMB Bank, National Association umb.comFDIC 8273 · Kansas City, Missouri 59 No 32
SouthState Bank, National Association southstatebank.comblockedFDIC 33555 · Winter Haven, Florida; not measured: HTTP 403 (Cloudflare) — No —
CIBC Bank USA us.cibc.comFDIC 33306 · Chicago, Illinois 40 Gated 32
Valley National Bank valley.comFDIC 9396 · Passaic, New Jersey 34 Gated 32
Columbia Bank columbiabank.comblockedFDIC 17266 · Roseburg, Oregon; not measured: HTTP 403 (Cloudflare) — No —
Banco Popular de Puerto Rico popular.comFDIC 34968 · San Juan, Puerto Rico 43 Gated 32
State Employees' ncsecu.orgNCUA 66310 · Raleigh, NC 70 No 32
SoFi Bank, National Association sofi.comblockedFDIC 26881 · Cottonwood Heights, Utah; not measured: HTTP 403 — No —
Frost Bank frostbank.comFDIC 5510 · San Antonio, Texas 57 No 32
BOKF, National Association bokfinancial.comFDIC 4214 · Tulsa, Oklahoma 58 No 32
Associated Bank, National Association associatedbank.comFDIC 5296 · Green Bay, Wisconsin 63 No 1
First National Bank of Pennsylvania fnb-online.comFDIC 7888 · Greenville, Pennsylvania 51 Gated 32
Bank of China no website on recordFDIC 33653 · New York, New York; no web address reported to the FDIC — No —
EverBank, National Association everbank.comFDIC 34775 · Jacksonville, Florida 67 No 32
Raymond James Bank raymondjamesbank.comFDIC 33893 · Saint Petersburg, Florida 44 Gated 19
Prosperity Bank prosperitybankusa.comFDIC 16835 · El Campo, Texas 38 No 1
Barclays Bank Delaware barclaysus.comFDIC 57203 · Wilmington, Delaware; the reported address pointed at a page, the site root is scanned 47 Gated 1
MidFirst Bank midfirst.comFDIC 4063 · Oklahoma City, Oklahoma 68 No 32
Bank OZK ozk.comblockedFDIC 110 · Little Rock, Arkansas; not measured: HTTP 403 (Cloudflare) — No —
Deutsche Bank Trust Company Americas db.comFDIC 623 · New York, New York 63 No 32
Atlantic Union Bank atlanticunionbank.comFDIC 34589 · Richmond City, Virginia 62 No 32
Schoolsfirst schoolsfirstfcu.orgNCUA 24212 · Santa Ana, CA 67 No 32
Hancock Whitney Bank hancockwhitney.comFDIC 12441 · Gulfport, Mississippi 58 No 32
Commerce Bank commercebank.comFDIC 24998 · Kansas City, Missouri 67 No 32
Banc of California bancofcal.comblockedFDIC 24045 · Los Angeles, California; not measured: HTTP 403 (Cloudflare) — No —
BankUnited, National Association bankunited.comFDIC 58979 · Miami Lakes, Florida 53 No 32
First National Bank of Omaha fnbo.comFDIC 5452 · Omaha, Nebraska 64 No 32
United Bank bankwithunited.comFDIC 22858 · Fairfax, Virginia 65 No 32
Texas Capital Bank texascapitalbank.comFDIC 34383 · Dallas, Texas 66 No 32
Fulton Bank, National Association fultonbank.comFDIC 7551 · Lancaster, Pennsylvania 58 No 32
TD Bank USA, National Association td.comFDIC 33947 · Wilmington, Delaware; the reported address pointed at a page, the site root is scanned 54 No 32
Glacier Bank glacierbank.comFDIC 30788 · Kalispell, Montana 61 No 32
Eastern Bank easternbank.comblockedFDIC 32773 · Boston, Massachusetts; not measured: HTTP 403 — No —
BNY Mellon, National Association bny.comFDIC 7946 · Pittsburgh, Pennsylvania 43 Gated 31
Boeing Employees becu.orgNCUA 62604 · Tukwila, WA 48 Gated 32
Pentagon penfed.orgNCUA 227 · Mclean, VA 33 Gated 1
City National Bank of Florida citynational.comFDIC 20234 · Miami, Florida 60 No 32
United Community Bank ucbi.comFDIC 16889 · Greenville, South Carolina 54 No 32
Axos Bank axosbank.comFDIC 35546 · San Diego, California 57 No 32
Sallie Mae Bank salliemae.comFDIC 58177 · Salt Lake City, Utah 55 No 32
Ameris Bank amerisbank.comblockedFDIC 20504 · Atlanta, Georgia; not measured: HTTP 403 (Cloudflare) — No —
Arvest Bank arvest.comblockedFDIC 8728 · Fayetteville, Arkansas; not measured: challenge page (Imperva) — No —
First Technology firsttechfed.comNCUA 23521 · San Jose, CA 33 Gated 1
WesBanco Bank, Inc. wesbanco.comFDIC 803 · Wheeling, West Virginia 66 No 32
WaFd Bank wafdbank.comFDIC 28088 · Seattle, Washington 52 No 32
Renasant Bank renasant.comFDIC 12437 · Tupelo, Mississippi 28 Gated 1
Charles Schwab Premier Bank, SSB no website on recordFDIC 33497 · Westlake, Texas; no web address reported to the FDIC — No —
Customers Bank customersbank.comFDIC 34444 · Malvern, Pennsylvania 58 Gated 32
America First americafirst.comNCUA 24694 · Riverdale, UT 55 No 32
First Interstate Bank firstinterstatebank.comFDIC 1105 · Billings, Montana 46 Gated 32
Provident Bank provident.bankblockedFDIC 12010 · Jersey City, New Jersey; not measured: HTTP 403 (Cloudflare) — No —
Ameriprise Bank, FSB ameriprise.comFDIC 58303 · Minneapolis, Minnesota 56 No 32
Rockland Trust Company rocklandtrust.comFDIC 9712 · Rockland, Massachusetts 58 No 32
Simmons Bank simmonsbank.comblockedFDIC 3890 · Pine Bluff, Arkansas; not measured: HTTP 403 (Cloudflare) — No —
Cathay Bank cathaybank.comFDIC 18503 · Los Angeles, California 53 Gated 32
Centennial Bank my100bank.comFDIC 11241 · Conway, Arkansas 52 Gated 32
TriState Capital Bank tscbank.comFDIC 58457 · Pittsburgh, Pennsylvania 63 No 1
Bank of Hawaii boh.comFDIC 18053 · Honolulu, Hawaii 57 Gated 32
First Hawaiian Bank fhb.comFDIC 17985 · Honolulu, Hawaii 64 No 32
OceanFirst Bank, National Association oceanfirst.comFDIC 28359 · Toms River, New Jersey 65 No 32

Scores are for the population, not for ranking two named sites against each other. A few points between neighbors is noise. See what these numbers can and cannot support. Data: sites.csv · checks.csv · summary.json