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 1,101–1,200 of 8,519 · page 12 of 86

SiteScore GatedPages read Report
Bankers' Bank bankersbank.comFDIC 23537 · Madison, Wisconsin 55 Gated 32
First Commonwealth firstcomcu.orgNCUA 12765 · Lehigh Valley, PA 48 No 1
Riverview Bank riverviewbank.comFDIC 29922 · Vancouver, Washington 54 No 32
Central Bank Illinois central-bank.comFDIC 11670 · Geneseo, Illinois 55 No 32
North State Bank northstatebank.comFDIC 35519 · Raleigh, North Carolina 57 No 32
U.s. Eagle useagle.orgNCUA 808 · Albuquerque, NM 59 No 32
Ameriserv Financial Bank ameriserv.comblockedFDIC 7542 · Johnstown, Pennsylvania; not measured: HTTP 403 (Cloudflare) — No —
Pegasus Bank pegasusbankdallas.comFDIC 58483 · Dallas, Texas 49 No 1
Apex Bank apexbank.comFDIC 9176 · Camden, Tennessee 71 No 32
University of Michigan umcu.orgNCUA 61552 · Ann Arbor, MI 48 No 1
Northwest Bank northwest-bank.comFDIC 58752 · Boise, Idaho 60 No 32
Sikorsky Financial sikorskycu.orgblockedNCUA 68453 · Stratford, CT; not measured: HTTP 403 (Cloudflare) — No —
Credit Union West cuwest.orgNCUA 68421 · Glendale, AZ 58 No 32
Malaga Bank F.S.B. malagabank.comFDIC 32282 · Palos Verdes Peninsula, California 43 Gated 32
American State Bank ambankiowa.comFDIC 228 · Sioux Center, Iowa 58 Gated 1
East Texas Professional etpcu.orgNCUA 67761 · Longview, TX 57 No 32
Community Credit Union of Florida ccuflorida.orgNCUA 60816 · Rockledge, FL 59 No 31
The Union Bank Company theubank.comFDIC 12969 · Columbus Grove, Ohio 45 No 32
American Riviera Bank americanriviera.bankblockedFDIC 58281 · Santa Barbara, California; not measured: HTTP 403 (Cloudflare) — No —
Marquette Savings Bank marquettesavings.comFDIC 30544 · Erie, Pennsylvania 58 Gated 2
Launch Credit Union launchcu.comNCUA 68716 · Merritt Island, FL 55 Gated 32
Watertown Savings Bank watertownsavings.comFDIC 23298 · Watertown, Massachusetts 61 No 32
Citizens Alliance Bank citizensalliancebank.comblockedFDIC 1402 · Clara City, Minnesota; not measured: HTTP 403 — No —
Washington Financial Bank washfin.bankFDIC 29520 · Washington, Pennsylvania 59 No 32
First Financial of Maryland firstfinancial.orgNCUA 8554 · Sparks, MD 63 No 32
Great Lakes glcu.orgNCUA 60238 · Bannockburn, IL 64 No 32
Relyance Bank rely.bankFDIC 19371 · White Hall, Arkansas 63 No 32
Park parkcommunity.comNCUA 24931 · Louisville, KY 63 No 32
GBank g.bankFDIC 58626 · Las Vegas, Nevada 56 No 32
Avadian avadiancu.comNCUA 68583 · Birmingham, AL 37 Gated 32
Sandia Area sandia.orgNCUA 11316 · Albuquerque, NM 47 Gated 32
Peoples Bank of Alabama peoplesbankal.comFDIC 22537 · Cullman, Alabama 28 Gated 1
Rio Bank rio.bankFDIC 25886 · Mcallen, Texas 43 Gated 32
Citizens Bank citizensbank24.comFDIC 14851 · Elizabethton, Tennessee 59 No 31
Armed Forces Bank, National Association afbank.comFDIC 4666 · Fort Leavenworth, Kansas 63 No 32
Adelfi adelfibanking.comNCUA 97068 · San Dimas, CA 71 No 32
First Federal Savings Bank of Twin Falls bankfirstfed.comFDIC 28845 · Twin Falls, Idaho 51 No 32
The Bennington State Bank bsbks.comFDIC 16402 · Salina, Kansas 64 No 32
Central Bank centralbankhouston.comblockedFDIC 17612 · Houston, Texas; not measured: HTTP 403 — No —
The Croghan Colonial Bank croghan.comFDIC 13341 · Fremont, Ohio 58 No 1
Grove Bank & Trust grovebankandtrust.comFDIC 8018 · Miami, Florida 64 No 32
Benchmark Community Bank bcbforlife.bankFDIC 20484 · Kenbridge, Virginia 68 No 32
Neighbors neighborsfcu.orgblockedNCUA 9229 · Baton Rouge, LA; not measured: HTTP 403 (Cloudflare) — No —
Merrimack County Savings Bank mcsbnh.comFDIC 17960 · Concord, New Hampshire 33 Gated 1
Leaders Credit Union leaderscu.comNCUA 61185 · Jackson, TN 55 No 32
Educational Systems esfcu.orgNCUA 10696 · Greenbelt, MD 62 No 32
Usf Federal Credit Union usffcu.comNCUA 24223 · Tampa, FL 37 Gated 4
1st Financial Bank USA 1fbusa.comFDIC 1673 · Dakota Dunes, South Dakota 53 No 22
Sharon & Crescent United scucu.comNCUA 67836 · Sharon, MA 65 No 32
Directions directionscu.orgNCUA 60978 · Toledo, OH 55 Gated 32
Sullivan Bank sullivanbank.comFDIC 8892 · Sullivan, Missouri 56 No 32
Farmers & Merchants Bank fmbankva.comFDIC 8668 · Timberville, Virginia 53 No 32
Guardian Savings Bank guardiansavingsbank.comFDIC 27998 · West Chester, Ohio 59 No 32
Ulster Savings Bank ulstersavings.comFDIC 15970 · Kingston, New York 48 Gated 32
Southwestern National Bank southwesternbank.comblockedFDIC 34319 · Houston, Texas; not measured: HTTP 403 — No —
Alliance Bank alliancebank.comFDIC 11569 · Sulphur Springs, Texas 57 No 32
Independence Bank ibyourbank.comFDIC 20989 · Havre, Montana 51 No 32
Central National Bank centralnational.comFDIC 4702 · Junction City, Kansas 68 No 32
Notre Dame notredamefcu.comNCUA 24034 · Notre Dame, IN 49 Gated 32
Dakota Community Bank & Trust, National Association dakotacommunitybank.comFDIC 15728 · Hebron, North Dakota 60 No 32
Los Angeles Police lapfcu.orgblockedNCUA 24553 · Van Nuys, CA; not measured: HTTP 403 (Cloudflare) — No —
OptimumBank optimumbank.comFDIC 35430 · Fort Lauderdale, Florida 44 No 26
Wallis Bank wallisbank.comFDIC 20845 · Wallis, Texas 48 No 1
State Bank of India (California) sbical.comFDIC 23998 · Los Angeles, California 62 No 1
First American Bank and Trust fabt.comFDIC 8149 · Vacherie, Louisiana 60 No 32
First National Bank of Tennessee fnbotn.comFDIC 19502 · Livingston, Tennessee 47 Gated 32
Texas Security Bank texassecuritybank.comFDIC 58739 · Dallas, Texas 51 No 32
The City National Bank of Sulphur Springs bankatcnb.bankFDIC 5544 · Sulphur Springs, Texas 70 No 32
The Bank of New York Mellon Trust Company, National Association bny.comFDIC 23472 · Los Angeles, California 43 Gated 31
Community Financial Services Bank yourlifeyourbank.comFDIC 287 · Benton, Kentucky 43 Gated 1
SouthStar Bank, S.S.B. southstarbank.comFDIC 12299 · Moulton, Texas 52 Gated 32
Ballston Spa National Bank nbcoxsackie.comFDIC 6959 · Ballston Spa, New York 67 No 1
American First amerfirst.orgNCUA 68485 · Brea, CA 33 Gated 1
Quorum quorumfcu.orgNCUA 22769 · Purchase, NY 49 No 32
Truxton Trust Company truxtontrust.comFDIC 57825 · Nashville, Tennessee 46 No 17
County National Bank cnbb.bankFDIC 14073 · Hillsdale, Michigan 33 Gated 1
Fm Bank And Trust myfm.bankFDIC 1027 · Blytheville, Arkansas 48 No 1
Gulf Winds gogulfwinds.comNCUA 68694 · Pensacola, FL 58 No 32
First Bank of Alabama fbal.bankFDIC 2832 · Talladega, Alabama 28 Gated 1
SouthPoint Bank southpoint.bankFDIC 58088 · Birmingham, Alabama 39 Gated 32
Century Bank mycenturybank.comFDIC 28362 · Santa Fe, New Mexico 56 No 32
Rosedale Bank rosedale.bankFDIC 29613 · Nottingham, Maryland 61 No 32
Idaho First Bank idahofirstbank.comFDIC 58095 · Mccall, Idaho 58 Gated 32
Capital Educators capedcu.comNCUA 1040 · Meridian, ID 64 No 32
Fortis Bank fortisbankus.comFDIC 34401 · Denver, Colorado 56 No 32
Blue Sky Bank bluesky.bankFDIC 14899 · Pawhuska, Oklahoma 50 No 32
Telhio telhio.orgNCUA 62848 · Columbus, OH 69 No 32
St. Anne's stannes.comNCUA 67605 · Fall River, MA 59 No 32
Coastal Carolina National Bank myccnb.comFDIC 58864 · Myrtle Beach, South Carolina 65 No 32
InBank inbank.comFDIC 11492 · Raton, New Mexico 30 Gated 32
Sabine State Bank and Trust Company sabinebank.comblockedFDIC 8141 · Many, Louisiana; not measured: HTTP 403 — No —
First State Bank fsb.bankFDIC 15032 · Eastpointe, Michigan 48 No 1
TownBridge Bank fmbanking.comblockedFDIC 12203 · Pascagoula, Mississippi; not measured: HTTP 403 — No —
Bank Midwest bankmidwest.comFDIC 5170 · Spirit Lake, Iowa 53 Gated 32
Studio Bank studiobank.comblockedFDIC 59112 · Nashville, Tennessee; not measured: HTTP 403 — No —
Capra Bank caprabank.comFDIC 16363 · Dubuque, Iowa 54 No 32
Patriot patriotfcu.orgNCUA 16574 · Chambersburg, PA 64 No 32
The Yellowstone Bank yellowstonebank.comFDIC 1978 · Laurel, Montana 70 No 1
First Oklahoma Bank firstoklahomabank.comFDIC 12484 · Jenks, Oklahoma 28 Gated 1
Island islandfcu.orgunreachableNCUA 10023 · Hauppauge, NY — No —

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