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 901–1,000 of 8,519 · page 10 of 86

SiteScore GatedPages read Report
The Lowell Five Cent Savings Bank lowellfive.comFDIC 90227 · Tewksbury, Massachusetts 48 No 1
First Community myfirstccu.orgNCUA 68530 · Coquille, OR 41 No 32
The Citizens National Bank of Meridian yourcnb.comFDIC 4993 · Meridian, Mississippi 66 No 32
Honor honorcu.comNCUA 63004 · Berrien Springs, MI 58 No 32
FirstBank Southwest fbsw.comFDIC 3387 · Amarillo, Texas 65 No 32
Newtown Savings Bank nsbonline.comFDIC 18199 · Newtown, Connecticut 60 No 32
Kennebec Savings Bank kennebecsavings.bankFDIC 17897 · Augusta, Maine 64 No 32
American Bank of Commerce theabcbank.comFDIC 18609 · Wolfforth, Texas 61 Gated 32
Embassy Bank for the Lehigh Valley embassybank.comFDIC 57228 · Bethlehem, Pennsylvania 70 No 32
Security National Bank of Omaha securitynational.bankFDIC 19213 · Omaha, Nebraska 33 Gated 1
Fall River Five Cents Savings Bank bankfive.comFDIC 23286 · Fall River, Massachusetts 58 No 32
Independent Bank i-bankonline.comFDIC 34728 · Memphis, Tennessee 60 No 32
Cornerstone Bank cornerstone.bankFDIC 13198 · Fargo, North Dakota 60 No 32
Scott scu.orgblockedNCUA 66370 · Edwardsville, IL; not measured: HTTP 403 — No —
First State Bank firststate.bankFDIC 15511 · Gainesville, Texas 63 No 32
Marion and Polk Schools mapscu.comblockedNCUA 64166 · Salem, OR; not measured: HTTP 403 (Cloudflare) — No —
Credit Union of America cuofamerica.comNCUA 60062 · Wichita, KS 39 No 32
Bank Of Clarke bankofclarke.bankFDIC 6123 · Berryville, Virginia 58 No 32
Legacy Bank & Trust Company legacybankandtrust.comFDIC 22319 · Mountain Grove, Missouri 48 No 1
North Easton Savings Bank northeastonsavingsbank.comFDIC 90259 · South Easton, Massachusetts 58 Gated 32
Educational edfed.orgNCUA 176 · Miami, FL 57 No 15
Wellworth Bank wellworth.bankFDIC 1711 · Lafayette, Tennessee 63 No 30
The National Bank of Blacksburg nbbank.comFDIC 6821 · Blacksburg, Virginia 63 No 32
Fibre fibrecu.comNCUA 2191 · Longview, WA 61 No 32
Bank of New England bankofnewengland.comFDIC 24540 · Salem, New Hampshire 38 No 1
Credit Union One cuone.orgNCUA 62562 · Ferndale, MI 65 No 32
CCFBank National Association ccf.usFDIC 57265 · Altoona, Wisconsin 56 Gated 32
North Dallas Bank & Trust Co. ndbt.comFDIC 18355 · Dallas, Texas 48 No 1
Unitus Community unitusccu.comNCUA 63440 · Tigard, OR 48 No 1
Publix Employees pefcu.comNCUA 23020 · Lakeland, FL 44 No 32
St. Mary's Bank stmarysbank.comNCUA 63829 · Manchester, NH 60 No 32
First Citizens Bank myfcb.bankFDIC 4433 · Mason City, Iowa 33 Gated 1
Old Dominion National Bank odnb.bankblockedFDIC 58504 · Charlottesville, Virginia; not measured: HTTP 403 — No —
University of Kentucky ukcreditunion.orgNCUA 24165 · Lexington, KY 62 No 32
Greylock greylock.orgNCUA 24560 · Pittsfield, MA 48 Gated 27
Datcu datcu.orgNCUA 67535 · Denton, TX 57 No 32
First National Bank of Central Texas fnbct.bankFDIC 3325 · Waco, Texas 65 No 32
Waterford Bank, N.A. waterfordbankna.comFDIC 58433 · Toledo, Ohio 68 No 32
Column National Association column.comFDIC 58224 · Salt Lake City, Utah 40 Gated 32
Coasthills coasthills.coopblockedNCUA 24957 · Santa Maria, CA; not measured: HTTP 403 (Cloudflare) — No —
Peoples Bank peoplesbanknc.comblockedFDIC 5956 · Newton, North Carolina; not measured: HTTP 403 (Cloudflare) — No —
Beacon beaconcu.orgNCUA 82791 · Wabash, IN 61 Gated 32
Androscoggin Savings Bank androscogginbank.comFDIC 17751 · Lewiston, Maine 52 Gated 32
First Farmers and Merchants Bank myfirstfarmers.comFDIC 1487 · Columbia, Tennessee 57 Gated 32
Hawthorn Bank hawthornbank.comFDIC 10619 · Jefferson City, Missouri 66 No 32
Chelsea Groton Bank chelseagroton.comFDIC 18238 · Groton, Connecticut 56 No 32
Community State Bank bankcsb.comFDIC 18272 · Ankeny, Iowa 48 No 32
Frontwave frontwavecu.comblockedNCUA 68494 · Oceanside, CA; not measured: HTTP 403 (Cloudflare) — No —
Sutton Bank suttonbank.comFDIC 5962 · Attica, Ohio 59 No 32
Kemba kemba.comNCUA 61810 · West Chester, OH 51 Gated 32
Ives Bank ivesbank.comblockedFDIC 15912 · Danbury, Connecticut; not measured: HTTP 403 (Cloudflare) — No —
Availa Bank availa.bankFDIC 11771 · Carroll, Iowa 52 No 32
Chesapeake Bank ches.bankFDIC 6862 · Kilmarnock, Virginia 50 Gated 32
Charter Oak charteroak.orgNCUA 3413 · Waterford, CT 53 No 32
Lincoln Savings Bank mylsb.comFDIC 14207 · Reinbeck, Iowa 61 No 32
Truwest truwest.orgNCUA 63832 · Scottsdale, AZ 48 Gated 32
Foresight Bank ffgbank.comFDIC 5749 · Winnebago, Illinois 48 Gated 32
United Heritage uhcu.orgNCUA 68251 · Austin, TX 53 Gated 32
Pima pimafederal.orgNCUA 7316 · Tucson, AZ 59 No 32
CBI Bank & Trust cbibt.bankFDIC 1552 · Muscatine, Iowa 48 Gated 32
The Adirondack Trust Company adirondacktrust.comFDIC 660 · Saratoga Springs, New York 33 Gated 1
Mid-Hudson Valley mhvfcu.comNCUA 15766 · Kingston, NY 62 No 32
Servbank, National Association servbank.comFDIC 55130 · Oswego, Illinois 60 No 32
Credit Union 1 cu1.organdhttpNCUA 66157 · Anchorage, AK; the reported address pointed at a page, the site root is scanned 33 Gated 1
Security Bank and Trust Company securitybanktn.comFDIC 9172 · Paris, Tennessee 46 No 31
The Security National Bank of Sioux City, Iowa snbonline.comFDIC 4506 · Sioux City, Iowa 43 No 32
Operating Engineers Local Union #3 oefederal.orgblockedNCUA 24235 · Livermore, CA; not measured: HTTP 403 (Cloudflare) — No —
Commercial Bank of Texas, National Association cbtx.comFDIC 1209 · Nacogdoches, Texas 51 No 31
Merck Employees merckcu.comblockedNCUA 1454 · Rahway, NJ; not measured: HTTP 403 — No —
First State Bank of Uvalde fsbuvalde.bankFDIC 9978 · Uvalde, Texas 48 No 1
Community National Bank & Trust of Texas mybanktx.comblockedFDIC 18185 · Corsicana, Texas; not measured: HTTP 403 — No —
Greater Nevada gncu.orgNCUA 68228 · Carson City, NV 71 No 32
Southern Michigan Bank & Trust smb-t.comFDIC 5019 · Coldwater, Michigan 56 No 32
Cape & Coast Bank capeandcoastbank.comFDIC 26517 · Yarmouth Port, Massachusetts 54 Gated 32
Everett Co-operative Bank everettbank.comFDIC 26444 · Everett, Massachusetts 51 Gated 32
Financial Plus myfpcu.comNCUA 68646 · Flint, MI 53 No 32
Journey Bank journeybank.comblockedFDIC 686 · Bloomsburg, Pennsylvania; not measured: HTTP 403 (Cloudflare) — No —
One Bank of Tennessee onebanktn.comFDIC 8432 · Cookeville, Tennessee 58 No 30
Main Street Bank bankmainstreet.comFDIC 90235 · Marlborough, Massachusetts 52 Gated 32
Skyla skylacu.comNCUA 24808 · Charlotte, NC 60 No 32
East Cambridge Savings Bank ecsb.comFDIC 90173 · Cambridge, Massachusetts 65 No 32
Community Bank cb.bankblockedFDIC 7848 · Carmichaels, Pennsylvania; not measured: HTTP 403 (Cloudflare) — No —
Westmark westmark.orgNCUA 68353 · Idaho Falls, ID 52 Gated 32
Keypoint kpcu.comNCUA 65299 · San Jose, CA 55 No 32
Horicon Bank horiconbank.comFDIC 11236 · Horicon, Wisconsin 28 Gated 1
Benchmark Bank benchmarkbank.comFDIC 19215 · Plano, Texas 61 No 32
The Ohio Valley Bank Company ovbc.comFDIC 384 · Gallipolis, Ohio 68 No 32
Forcht Bank, National Association forchtbank.comFDIC 57415 · Lexington, Kentucky 65 No 32
Northrop Grumman ngfcu.usNCUA 24292 · Gardena, CA 46 Gated 32
Meredith Village Savings Bank mvsb.comFDIC 17180 · Meredith, New Hampshire 55 No 32
Create createcu.orgNCUA 86752 · Las Vegas, NV 69 No 32
US Metro Bank usmetrobank.comFDIC 58310 · Garden Grove, California 60 No 31
Citizens Tri-County Bank ctcbonline.comFDIC 20818 · Dunlap, Tennessee 53 No 6
Virginia National Bank vnb.comFDIC 34755 · Charlottesville, Virginia 55 No 32
Firstlight firstlightfcu.orgNCUA 10174 · El Paso, TX 56 Gated 32
Signature Bank of Arkansas signature.bankblockedFDIC 89 · Fayetteville, Arkansas; not measured: HTTP 403 — No —
International Bank of Commerce ibc.comFDIC 59093 · Oklahoma City, Oklahoma 58 Gated 32
San Francisco sanfranciscofcu.comNCUA 24542 · San Francisco, CA 60 No 32
Waukesha State Bank waukeshabank.comFDIC 16160 · Waukesha, Wisconsin 66 No 32
Bluestone Bank bluestone.bankFDIC 90169 · Raynham, Massachusetts 53 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