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 1,201–1,300 of 8,519 · page 13 of 86

SiteScore GatedPages read Report
Skyline National Bank skylinenationalbank.bankFDIC 6861 · Independence, Virginia 50 Gated 32
Cobalt cobaltcu.comNCUA 24917 · Papillion, NE 37 No 32
Farmers Insurance figfcu.comNCUA 1074 · Los Angeles, CA 61 Gated 1
Summit Bank sbko.bankFDIC 57706 · Eugene, Oregon 55 No 32
Amalgamated Bank of Chicago aboc.comFDIC 903 · Chicago, Illinois 52 Gated 25
Security Bank & Trust Company security-banks.comFDIC 15324 · Glencoe, Minnesota 61 No 32
Sharonview sharonview.orgNCUA 22458 · Fort Mill, SC 46 No 1
Martha's Vineyard Bank mvbank.comFDIC 90190 · Edgartown, Massachusetts 57 No 32
Pacific Service pacificservice.orgNCUA 68413 · Concord, CA 63 No 32
Cass Commercial Bank cassbank.comFDIC 1068 · Des Peres, Missouri 64 Gated 32
Alliance Bank Central Texas alliancebanktexas.comblockedFDIC 15657 · Woodway, Texas; not measured: HTTP 403 — No —
Patriot Bank, National Association bankpatriot.comblockedFDIC 33928 · Stamford, Connecticut; not measured: HTTP 403 (Cloudflare) — No —
Liberty National Bank weareliberty.bankFDIC 11522 · Lawton, Oklahoma 33 Gated 1
Greene County Commercial Bank tbogc.comFDIC 57710 · Catskill, New York 50 Gated 1
First Capital Bank bankwithfirstcapitalbank.comFDIC 34966 · Charleston, South Carolina 33 Gated 1
Truity truitycu.orgNCUA 3130 · Bartlesville, OK 68 No 32
Piedmont Federal Savings Bank piedmontfederal.comFDIC 27619 · Winston Salem, North Carolina 41 No 4
Farmers State Bank farmersstatebank.comFDIC 14578 · Lagrange, Indiana 51 No 32
HNB National Bank hnbbanks.comFDIC 4540 · Hannibal, Missouri 33 Gated 1
Silver State Schools silverstatecu.comNCUA 97085 · Las Vegas, NV 59 No 32
Fidelity Co-operative Bank fidelitybankonline.comFDIC 26451 · Leominster, Massachusetts 56 No 32
Webster Five Cents Savings Bank web5.comblockedFDIC 90297 · Webster, Massachusetts; not measured: HTTP 403 (Cloudflare) — No —
First Texas Bank firsttexasbank.bankblockedFDIC 11935 · Georgetown, Texas; not measured: HTTP 403 — No —
Genesee Regional Bank grbbank.comFDIC 26333 · Rochester, New York 61 No 32
Signature Bank, National Association signaturebankna.comFDIC 57269 · Toledo, Ohio 62 No 32
Southland southlandcu.orgblockedNCUA 68415 · Los Alamitos, CA; not measured: HTTP 403 (Cloudflare) — No —
Orion orionfcu.comNCUA 24831 · Memphis, TN 62 Gated 32
Plains Commerce Bank plainscommerce.comFDIC 1678 · Sioux Falls, South Dakota 54 Gated 32
Jonesboro State Bank jonesborostatebank.comFDIC 9325 · Jonesboro, Louisiana 60 No 1
Pinnacle Bank - Wyoming wypinnbank.comFDIC 2232 · Cody, Wyoming 51 Gated 32
The Richwood Banking Company richwoodbank.comFDIC 12978 · Richwood, Ohio 36 No 1
The Commercial and Savings Bank of Millersburg, Ohio csb1.comFDIC 9139 · Millersburg, Ohio 57 No 32
Rize rizecu.comNCUA 7835 · El Monte, CA 71 No 32
Adams Bank & Trust abtbank.comFDIC 18489 · Ogallala, Nebraska 63 No 32
Efcu Financial efcufinancial.orgNCUA 13 · Baton Rouge, LA 55 No 32
Los Angeles lafcu.orgNCUA 1207 · Glendale, CA 57 Gated 32
Firstmark firstmarkcu.orgNCUA 62509 · San Antonio, TX 63 No 32
Wright Patman Congressional congressionalfcu.orgNCUA 8797 · Washington, DC 55 No 32
State Employees secunm.orgNCUA 65513 · Santa Fe, NM 55 No 32
First Harrison Bank firstharrison.comFDIC 31223 · Corydon, Indiana 65 No 32
Savings Bank of Mendocino County savingsbank.comblockedFDIC 8011 · Ukiah, California; not measured: HTTP 403 (CloudFront) — No —
Forward Bank forward.bankFDIC 28530 · Marshfield, Wisconsin 66 No 32
Synergy Bank synergybank.comFDIC 34978 · Houma, Louisiana 56 No 32
First Southern National Bank fsnb.netFDIC 2700 · Lancaster, Kentucky 66 No 32
Worth worthcu.orgblockedNCUA 68471 · Bedford, TX; not measured: HTTP 403 — No —
Consumers National Bank consumers.bankFDIC 19482 · Minerva, Ohio 48 No 1
Guardian myguardiancu.comNCUA 68374 · Prattville, AL 51 Gated 32
Sidney sfcuonline.orgNCUA 6011 · Sidney, NY 77 No 32
Deseret First dfcu.comNCUA 24708 · West Valley Cit, UT 52 Gated 32
Legend Bank, N.A. legend.bankFDIC 3108 · Bowie, Texas 59 No 32
Legacy Bank legacyar.comFDIC 57953 · Springdale, Arkansas 60 No 14
Gulf Coast Educators gcefcu.orgNCUA 5648 · Pasadena, TX 61 No 32
Municipal Empl.credit Union of Balt mecu.comblockedNCUA 66787 · Baltimore, MD; not measured: HTTP 403 (Cloudflare) — No —
The Merchants National Bank merchantsnat.comFDIC 6605 · Hillsboro, Ohio 47 Gated 32
Central Penn Bank & Trust centralpennbank.comFDIC 10685 · Mifflinburg, Pennsylvania 51 No 32
Five Star fivestarcu.comNCUA 68302 · Dothan, AL 60 No 32
Amplify goamplify.comNCUA 68681 · Austin, TX 59 Gated 32
JD Bank jdbank.comFDIC 16546 · Jennings, Louisiana 52 No 32
1St United 1stunitedcu.orgNCUA 63958 · Pleasanton, CA 62 No 32
Iowa State Bank iowastate.bankFDIC 13953 · Hull, Iowa 47 Gated 32
Freedom First freedomfirst.comNCUA 11111 · Roanoke, VA 62 No 32
Sesloc sesloc.orgNCUA 68741 · San Luis Obispo, CA 59 No 32
Dutrac Community dutrac.orgNCUA 64471 · Dubuque, IA 52 Gated 32
Northwest Community Bank nwcommunitybank.comFDIC 18229 · Winsted, Connecticut 47 Gated 32
CoreFirst Bank & Trust cbtks.comFDIC 18100 · Topeka, Kansas 29 Gated 1
Peoples Bank peoples-ebank.comFDIC 16265 · Rock Valley, Iowa 57 No 32
Platte Valley Bank pvbank.comFDIC 34211 · Scottsbluff, Nebraska 40 No 32
Bank of Central Florida bankofcentralflorida.comblockedFDIC 58479 · Lakeland, Florida; not measured: HTTP 403 — No —
University Bank university-bank.comFDIC 14587 · Ann Arbor, Michigan 68 No 32
nbkc bank nbkc.comFDIC 35014 · Leawood, Kansas 49 No 32
First State Bank fsb4me.comFDIC 9437 · Winchester, Ohio 54 No 32
Firstar Bank firstar.bankFDIC 19288 · Sallisaw, Oklahoma 28 Gated 1
REV revfcu.comNCUA 9986 · Charleston, SC 63 No 32
First Commerce firstcommercecu.orgNCUA 68301 · Tallahassee, FL 34 Gated 32
Midwest Bank midwest.bankFDIC 13255 · Pierce, Nebraska 51 Gated 32
Harvard harvardfcu.orgNCUA 24959 · Cambridge, MA 59 Gated 32
Wood & Huston Bank woodhuston.comFDIC 1060 · Marshall, Missouri 65 No 32
Dayspring Bank dayspring.bankFDIC 13622 · Gothenburg, Nebraska 36 Gated 32
Neches nechesfcu.orgNCUA 7916 · Port Neches, TX 60 Gated 32
Fidelity Bank bankwithfidelity.comFDIC 28316 · New Orleans, Louisiana 56 No 32
Rave Financial bankwithrave.comNCUA 68735 · Beaumont, TX 61 No 32
First Bankers Trust Company, National Association firstbankers.comblockedFDIC 16501 · Quincy, Illinois; not measured: HTTP 403 — No —
Pilot Grove Savings Bank pilotgrovesavingsbank.comFDIC 9100 · Pilot Grove, Iowa 68 No 32
Uwharrie Bank uwharrie.comFDIC 24919 · Albemarle, North Carolina 58 No 30
Citizens State Bank csbtx.bankFDIC 16753 · Somerville, Texas 60 No 32
Diamond diamondcu.orgblockedNCUA 68241 · Pottstown, PA; not measured: HTTP 403 — No —
MutualOne Bank mutualone.comFDIC 26395 · Framingham, Massachusetts 56 No 32
Texas National Bank texasnational.comFDIC 3337 · Mcallen, Texas 59 No 32
PeoplesSouth Bank peoplessouth.comFDIC 21292 · Colquitt, Georgia 60 No 32
Crane cranecu.orgNCUA 68672 · Odon, IN 60 Gated 32
Bank of the Orient bankorient.comblockedFDIC 20387 · San Francisco, California; not measured: HTTP 403 — No —
West Michigan Community Bank wmcb.bankFDIC 22308 · Hudsonville, Michigan 66 No 32
Red Canoe redcanoecu.comNCUA 68196 · Longview, WA 59 No 32
BankFirst mybankfirst.bankFDIC 20130 · Norfolk, Nebraska 59 No 32
Sunmark sunmark.orgNCUA 68710 · Albany, NY 48 No 1
Southwest Missouri Bank smbonline.comFDIC 22876 · Carthage, Missouri 60 No 32
The First National Bank of Hutchinson fnbhutch.bankFDIC 4697 · Hutchinson, Kansas 54 No 32
Provident Savings Bank, F.S.B. myprovident.comFDIC 30879 · Riverside, California 60 No 32
Pacific Coast Bankers' Bank pcbb.comFDIC 34252 · Walnut Creek, California 53 Gated 32
Dallas Capital Bank, National Association dallascapitalbank.comFDIC 20727 · Dallas, Texas 56 Gated 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