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 1,001–1,100 of 8,519 · page 11 of 86

SiteScore GatedPages read Report
FFB Bank ffb.bankblockedFDIC 58090 · Fresno, California; not measured: HTTP 403 — No —
San Francisco Fire sffirecu.orgNCUA 97069 · San Francisco, CA 63 No 32
International Finance Bank ifbbank.comFDIC 24823 · Miami, Florida 61 No 32
University of VA Community Cu uvacreditunion.orgblockedNCUA 62504 · Charlottesville, VA; not measured: HTTP 403 (Cloudflare) — No —
The Citizens Bank thecitizensbank.netFDIC 17211 · Batesville, Arkansas 53 No 32
The Nodaway Valley Bank nvb.comFDIC 8904 · Maryville, Missouri 55 No 32
The State Bank and Trust Company yourstatebank.comFDIC 13339 · Defiance, Ohio 33 Gated 1
Pacific National Bank pnb.comFDIC 26299 · Miami, Florida 63 No 30
BOM Bank bofm.comblockedFDIC 1373 · Natchitoches, Louisiana; not measured: HTTP 403 — No —
Grasshopper Bank, N.A. grasshopper.bankFDIC 59113 · New York, New York 58 No 32
Bank of Travelers Rest bankoftravelersrest.comFDIC 16389 · Travelers Rest, South Carolina 65 No 32
PrimeSouth Bank no website on recordFDIC 5694 · Blackshear, Georgia; no web address reported to the FDIC — No —
Landmark National Bank banklandmark.comFDIC 5826 · Manhattan, Kansas 30 Gated 32
Troy Bank & Trust Company troybankandtrust.comFDIC 5598 · Troy, Alabama 60 No 5
Farmers State Bank fsb1879.comFDIC 12855 · Waterloo, Iowa 58 No 32
Alma Bank almabank.comblockedFDIC 58424 · Astoria, New York; not measured: HTTP 403 — No —
First Savings Bank firstsavingsbanks.comFDIC 32629 · Beresford, South Dakota 48 No 1
Transportation Alliance Bank, Inc. d/b/a TAB Bank tabbank.comFDIC 34781 · Ogden, Utah 50 No 1
The Cecilian Bank thececilianbank.comblockedFDIC 8774 · Cecilia, Kentucky; not measured: HTTP 403 — No —
Peoples Bank and Trust Company peoples.bankblockedFDIC 1365 · Mcpherson, Kansas; not measured: HTTP 403 — No —
BankSouth banksouth.comFDIC 16418 · Greensboro, Georgia 57 Gated 32
The Vinton County National Bank vcnbfamily.bankFDIC 6636 · Mcarthur, Ohio 33 Gated 1
Chambers Bank chambers.bankFDIC 5615 · Danville, Arkansas 62 No 32
Frankenmuth frankenmuthcu.orgNCUA 61755 · Frankenmuth, MI 48 No 1
Red River Employees rrcu.comblockedNCUA 5029 · Texarkana, TX; not measured: HTTP 403 — No —
Vibe vibecu.comNCUA 61522 · Novi, MI 63 No 1
Verve, a Credit Union verveacu.comNCUA 66777 · Oshkosh, WI 33 Gated 1
Northfield Savings Bank nsbvt.comFDIC 14140 · Northfield, Vermont 55 Gated 32
Exchange Bank eb-us.comFDIC 1435 · Kearney, Nebraska 55 Gated 25
Newburyport Five Cents Savings Bank newburyportbank.comFDIC 90251 · Newburyport, Massachusetts 62 No 32
First Keystone Community Bank fkc.bankFDIC 7404 · Berwick, Pennsylvania 43 No 32
CorTrust Bank National Association cortrustbank.comFDIC 6063 · Mitchell, South Dakota 74 No 32
Sterling Bank sterbank.bankFDIC 57813 · Poplar Bluff, Missouri 55 No 18
City First Bank, National Association cityfirstbank.comFDIC 34352 · Washington, District Of Columbia 70 No 32
First State Bank firststatebank.bizFDIC 15752 · Mendota, Illinois 35 Gated 29
Providence Bank & Trust providence.bankblockedFDIC 57754 · South Holland, Illinois; not measured: HTTP 403 — No —
Union Bank ublocal.comFDIC 14158 · Morrisville, Vermont 30 Gated 32
The Citizens Bank of Philadelphia, Mississippi thecitizensbankphila.comFDIC 12204 · Philadelphia, Mississippi 39 Gated 32
Quill Bank quill.bankFDIC 33823 · Provo, Utah 52 Gated 11
Main Street Bank Corp. mymainstreetbank.bankFDIC 29847 · Wooster, Ohio 38 Gated 32
Dieterich Bank dieterichbank.comFDIC 3787 · Effingham, Illinois 45 Gated 32
Solera National Bank solerabank.comFDIC 58534 · Lakewood, Colorado 63 No 18
Bonvenu Bank, National Association bonvenubank.comblockedFDIC 26381 · Bossier City, Louisiana; not measured: HTTP 403 (Cloudflare) — No —
First Bank Midwest firstbankrichmond.comFDIC 28533 · Frankfort, Indiana 57 No 32
The Moody National Bank moodybank.comFDIC 3210 · Galveston, Texas 37 Gated 32
Security Federal Bank securityfederalbank.comFDIC 31100 · Aiken, South Carolina 62 No 32
Beginnings beginnings.comNCUA 68322 · Ithaca, NY 67 No 32
The Park Bank park.bankFDIC 19608 · Madison, Wisconsin 57 No 32
Dade County dcfcu.orgNCUA 24508 · Sweetwater, FL 58 Gated 32
Aloha Pacific alohapacific.comblockedNCUA 1845 · Honolulu, HI; not measured: HTTP 403 — No —
Webster First websterfirst.comNCUA 24557 · Worcester, MA 48 No 1
Collins Community collinscu.orgNCUA 62969 · Cedar Rapids, IA 55 No 32
First Community myfccu.comNCUA 60103 · Jamestown, ND 44 Gated 32
Greenfield Savings Bank greenfieldsavings.comFDIC 90206 · Greenfield, Massachusetts 53 No 32
Alabama One alabamaone.orgNCUA 68595 · Tuscaloosa, AL 62 No 32
1st Summit Bank 1stsummit.bankFDIC 8426 · Johnstown, Pennsylvania 48 No 1
Deerwood Bank deerwoodbank.comFDIC 5123 · Waite Park, Minnesota 67 No 32
Providence Bank pbknc.comFDIC 58239 · Rocky Mount, North Carolina 59 No 32
Allsouth allsouth.orgNCUA 13828 · Columbia, SC 57 Gated 32
Bank of Utica bankofutica.comFDIC 13397 · Utica, New York 49 No 32
Utilities Employees uecu.orgNCUA 64896 · Reading, PA 58 No 32
Noble noblecu.comblockedNCUA 24552 · Fresno, CA; not measured: HTTP 403 (Cloudflare) — No —
Del Norte dncu.comNCUA 64759 · Los Alamos, NM 72 No 32
Sierra Central sierracentral.comNCUA 68053 · Yuba City, CA 65 No 32
Bath Savings Institution bathsavings.bankFDIC 17749 · Bath, Maine 66 No 32
One Nevada onenevada.orgblockedNCUA 68613 · Las Vegas, NV; not measured: HTTP 403 (Cloudflare) — No —
Peoples State Bank bankpeoples.comFDIC 18569 · Wausau, Wisconsin 61 No 32
Mayo Employees mayocreditunion.orgNCUA 24748 · Rochester, MN 50 No 32
First National Bank of Pulaski fnbforyou.comFDIC 15572 · Pulaski, Tennessee 28 Gated 1
Freedom freedomcu.orgNCUA 60275 · Warminster, PA 55 No 32
Weokie weokie.orgNCUA 24899 · Oklahoma City, OK 71 No 32
First Service fscu.comblockedNCUA 68605 · Houston, TX; not measured: HTTP 403 (Cloudflare) — No —
Palmetto Citizens palmettocitizens.orgblockedNCUA 1472 · Columbia, SC; not measured: HTTP 429 (rate limited) at every rate tried, after 4 attempts — No —
The Summit summitfcu.orgNCUA 4580 · Rochester, NY 59 Gated 32
Ascend Bank ascend.bankFDIC 18194 · Guilford, Connecticut 61 Gated 32
Park State Bank parkstatebank.comFDIC 8851 · Duluth, Minnesota 66 No 32
Centris centrisfcu.orgNCUA 28 · Omaha, NE 65 No 32
Elkhorn Valley Bank & Trust evb.bankFDIC 16553 · Norfolk, Nebraska 48 Gated 30
Michigan First michiganfirst.comblockedNCUA 60522 · Lathrup Village, MI; not measured: HTTP 403 (Cloudflare) — No —
United States Senate ussfcu.orgNCUA 624 · Alexandria, VA 54 No 32
Amoco amocofcu.orgNCUA 2441 · Texas City, TX 59 No 32
Pathfinder Bank pathfinderbank.comFDIC 57497 · Oswego, New York 59 No 32
American Heritage Bank ahb.bankFDIC 4190 · Sapulpa, Oklahoma 63 No 32
United Bank unitedbank.comFDIC 58 · Atmore, Alabama 61 No 32
Citizens Bank and Trust citizens-bank.comblockedFDIC 5673 · Frostproof, Florida; not measured: HTTP 403 (CloudFront) — No —
Union County Savings Bank unioncountysavings.comFDIC 12013 · Elizabeth, New Jersey 47 Gated 32
Sovereign Bank banksovereign.comFDIC 25738 · Shawnee, Oklahoma 48 No 1
Central National Bank cnbwaco.comFDIC 22396 · Waco, Texas 60 Gated 32
Onpath beonpath.orgNCUA 14692 · Metairie, LA 48 No 32
Listerhill listerhill.comNCUA 63057 · Sheffield, AL 71 No 32
North American Banking Company nabankco.comblockedFDIC 34836 · Roseville, Minnesota; not measured: HTTP 403 — No —
Orsa orsacu.orgunreachableNCUA 68631 · Plymouth, MI — No —
West Gate Bank my.westgate.bankFDIC 19850 · Lincoln, Nebraska 38 Gated 1
Ventura County onlinebanking.vccuonlinNCUA 68458 · Ventura, CA 33 Gated 1
The Dart Bank dart.bankFDIC 5033 · Mason, Michigan 47 Gated 31
Saco & Biddeford Savings Institution sbsavings.bankFDIC 17743 · Saco, Maine 63 No 32
S. C. State scscu.comblockedNCUA 24824 · Columbia, SC; not measured: HTTP 403 (Cloudflare) — No —
Rhinebeck Bank rhinebeckbank.comFDIC 16032 · Rhinebeck, New York 59 No 32
First Florida firstflorida.orgNCUA 61170 · Jacksonville, FL 54 No 32
Multipli multiplicu.comNCUA 24955 · Jefferson City, MO 61 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