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 1,301–1,400 of 8,519 · page 14 of 86

SiteScore GatedPages read Report
Dime Bank dime-bank.comblockedFDIC 18200 · Norwich, Connecticut; not measured: HTTP 403 (Cloudflare) — No —
Wildfire wildfirecu.orgNCUA 60057 · Saginaw, MI 48 No 1
Citizens Bank & Trust citizensbanktrust.comFDIC 57483 · Guntersville, Alabama 59 No 32
Solvay Bank solvaybank.comFDIC 13297 · Solvay, New York 63 No 32
Honda hondafcu.orgNCUA 17623 · Torrance, CA 48 No 1
Commerce West Bank cwbk.comFDIC 57176 · Irvine, California 53 No 32
The Dime Bank thedime.bankFDIC 9888 · Honesdale, Pennsylvania 59 No 32
Middletown Valley Bank mvbbank.comFDIC 14017 · Middletown, Maryland 59 Gated 32
Vibrant vibrantcreditunion.orgNCUA 61093 · Moline, IL 49 Gated 32
Helm Bank USA helmbankusa.comFDIC 32718 · Miami, Florida 57 No 32
Somerset Regal Bank somersetregalbank.comFDIC 28778 · Bound Brook, New Jersey 64 No 32
Evolve Bank & Trust getevolved.comFDIC 1299 · West Memphis, Arkansas 51 Gated 32
Reading Co-operative Bank readingcoop.comFDIC 26620 · Reading, Massachusetts 56 No 32
Selfreliance selfreliance.comNCUA 7346 · Chicago, IL 54 No 32
First State Bank keysbank.comblockedFDIC 17509 · Key West, Florida; not measured: HTTP 403 — No —
Montgomery Bank montgomerybank.comFDIC 8255 · Sikeston, Missouri 59 No 32
Premier Bank premierbanks.comFDIC 21714 · Maplewood, Minnesota 57 No 32
PriorityOne Bank priorityonebank.comblockedFDIC 21906 · Magee, Mississippi; not measured: HTTP 429 — No —
Metro Bank metrobankpc.comblockedFDIC 27510 · Pell City, Alabama; not measured: HTTP 403 — No —
Mid America Bank midambk.comFDIC 11459 · Jefferson City, Missouri 48 No 1
The First National Bank of Bastrop fnbbastrop.bankblockedFDIC 3091 · Bastrop, Texas; not measured: HTTP 403 — No —
Credit Union of Denver cudenver.comNCUA 64342 · Lakewood, CO 52 No 32
Anstaff Bank anstaff.bankFDIC 3869 · Green Forest, Arkansas 28 Gated 1
Bank of Pontiac bankofpontiac.comFDIC 16982 · Pontiac, Illinois 54 No 32
American Community Bank & Trust amcombank.comFDIC 35412 · Woodstock, Illinois 52 Gated 32
Family Savings familysavingscu.comNCUA 68628 · Rainbow City, AL 68 No 32
Citizens Bank of Las Cruces citizenslc.comFDIC 20161 · Las Cruces, New Mexico 65 No 32
First General Bank firstgeneralbank.comFDIC 58060 · Rowland Heights, California 60 No 1
Utah First utahfirst.comNCUA 528 · Salt Lake City, UT 61 No 32
City & County cccu.comNCUA 60255 · Saint Paul, MN 64 No 32
Community National Bank communitynationalbank.comblockedFDIC 6271 · Derby, Vermont; not measured: HTTP 403 — No —
The North Side Bank and Trust Company nsbt.netFDIC 9457 · Cincinnati, Ohio 39 Gated 32
University ucu.orgNCUA 64171 · Los Angeles, CA 59 Gated 32
Seattle Metropolitan seattlecu.comNCUA 68315 · Seattle, WA 73 No 32
The Honesdale National Bank hnbbank.bankFDIC 7526 · Honesdale, Pennsylvania 61 No 31
Citizens Bank citizensbankwi.bankFDIC 13055 · Mukwonago, Wisconsin 62 No 32
First National Bank and Trust Company of Newtown fnbn.comFDIC 7658 · Newtown, Pennsylvania 67 No 32
Clearwater clearwatercreditunion.orNCUA 11300 · Missoula, MT 33 Gated 1
Vantage vcu.comNCUA 67804 · Saint Charles, MO 28 Gated 1
Members Cooperative membersccu.comNCUA 60216 · Duluth, MN 62 No 32
Northstar Bank northstarathome.bankFDIC 57097 · Bad Axe, Michigan 33 Gated 1
Pointbank pointbank.comFDIC 3389 · Pilot Point, Texas 59 No 32
Safe 1 safe1.orgblockedNCUA 61598 · Bakersfield, CA; not measured: HTTP 403 (Cloudflare) — No —
Salal salalcu.orgNCUA 66349 · Seattle, WA 57 No 32
Katahdin Trust Company katahdintrust.comFDIC 12874 · Patten, Maine 69 No 32
Edmonton State Bank edmontonstatebank.comFDIC 9678 · Glasgow, Kentucky 59 No 32
First Federal Bank of Louisiana ffbla.bankFDIC 30441 · Lake Charles, Louisiana 43 Gated 32
Bank of Washington bankofwashington.comFDIC 12627 · Washington, Missouri 49 Gated 32
First US Bank firstusbank.comFDIC 17077 · Birmingham, Alabama 60 No 1
Sturdy Savings Bank sturdyonline.comFDIC 28788 · Stone Harbor, New Jersey 57 No 28
Trustar Bank trustarbank.comFDIC 59183 · Great Falls, Virginia 48 No 1
Justice jfcu.orgNCUA 151 · Chantilly, VA 50 No 32
Abbott Laboratories alecu.orgNCUA 96071 · Gurnee, IL 56 No 32
First Arkansas Bank and Trust fabandt.bankFDIC 16849 · Jacksonville, Arkansas 59 No 32
Marine marinecu.comNCUA 66752 · La Crosse, WI 67 Gated 32
Vermont vermontfederal.orgNCUA 24405 · So Burlington, VT 55 No 32
The Bank of Fayette County thebank1905.comFDIC 10308 · Piperton, Tennessee 37 Gated 32
First National Bank 1stnatbk.comFDIC 6811 · Altavista, Virginia 61 No 32
Security State Bank securitystbk.comFDIC 1497 · Pearsall, Texas 57 No 31
The Citizens Bank tcbsc.bankFDIC 15932 · Olanta, South Carolina 57 No 31
BayFirst National Bank bayfirstfinancial.comFDIC 34997 · Saint Petersburg, Florida 39 Gated 32
North Country northcountry.orgNCUA 24312 · Burlington, VT 55 No 32
Hilltop National Bank hilltop.bankFDIC 19184 · Casper, Wyoming 56 Gated 32
Atlantic Regional atlanticfcu.comNCUA 4281 · South Portland, ME 44 Gated 32
First State Bank Nebraska 1fsb.bankFDIC 13868 · Lincoln, Nebraska 41 Gated 32
Bank of Commerce bankcom.comFDIC 9359 · Greenwood, Mississippi 40 Gated 32
Bank Forward bankforward.comFDIC 8941 · Fargo, North Dakota 55 No 32
Liberty Bank and Trust Company libertybank.netFDIC 20856 · New Orleans, Louisiana 63 No 32
First Financial ffnm.orgNCUA 68244 · Albuquerque, NM 63 No 32
Lafcu lafcu.comNCUA 68632 · Lansing, MI 51 Gated 32
Hawaiian Financial hificu.comNCUA 1717 · Honolulu, HI 60 No 32
EverTrust Bank evertrustbank.comblockedFDIC 34010 · City Of Industry, California; not measured: HTTP 403 — No —
First Reliance Bank firstreliance.comFDIC 35214 · Florence, South Carolina 50 Gated 32
Neighborhood myncu.comNCUA 67681 · Dallas, TX 70 No 32
Financial Federal Bank finfedmem.comunreachableFDIC 31840 · Memphis, Tennessee — No —
Topline Financial toplinecu.comNCUA 68731 · Maple Grove, MN 64 Gated 32
Radiant radiantcu.orgNCUA 68723 · Gainesville, FL 54 No 32
Pentucket Bank pentucketbank.comFDIC 90208 · Haverhill, Massachusetts 60 No 32
First Source fsource.orgNCUA 2658 · New Hartford, NY 33 Gated 1
Peach State peachstatefcu.orgNCUA 14676 · Lawrenceville, GA 65 No 32
Christian Financial christianfinancialcu.orNCUA 63805 · Sterling Height, MI 33 Gated 1
Farmers State Bank myfsbonline.comFDIC 14209 · Marion, Iowa 59 No 32
Alliance alliancecutx.comNCUA 97103 · Lubbock, TX 52 No 1
Fivepoint 5pointcu.orgNCUA 68643 · Nederland, TX 33 Gated 1
The Evangeline Bank and Trust Company therealbank.comFDIC 12611 · Ville Platte, Louisiana 69 No 32
American Bank ambk.comFDIC 34422 · Allentown, Pennsylvania 54 Gated 32
Michigan Educational michedcu.orgNCUA 60931 · Plymouth, MI 51 Gated 32
First Federal Bank ffbtn.comFDIC 29782 · Dickson, Tennessee 57 No 31
Liberty Savings Bank, F.S.B. libertysavingsbank.comFDIC 32242 · Wilmington, Ohio 28 Gated 1
First National Bank, Ames, Iowa fnbames.comblockedFDIC 1545 · Ames, Iowa; not measured: HTTP 403 (Cloudflare) — No —
Bank of Labor bankoflabor.comFDIC 1874 · Overland Park, Kansas 56 No 31
Thread Bank thread.bankFDIC 9499 · Rogersville, Tennessee 55 No 32
Jackson County Bank jcbank.comFDIC 13109 · Seymour, Indiana 33 Gated 1
St. Louis Bank stlouisbank.comFDIC 58018 · Saint Louis, Missouri 48 No 20
Valley First valleyfirstcu.orgblockedNCUA 24986 · Modesto, CA; not measured: HTTP 403 — No —
TrailWest Bank trailwest.bankFDIC 23806 · Lolo, Montana 40 Gated 31
Triad Bank triadbanking.comblockedFDIC 58121 · Frontenac, Missouri; not measured: HTTP 403 — No —
Community 1St c1stcu.comNCUA 68510 · Ottumwa, IA 47 No 5
The Citizens National Bank of Bluffton cnbohio.comFDIC 6531 · Bluffton, Ohio 53 Gated 32
Access Bank accessbank.comFDIC 58727 · Omaha, Nebraska 63 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