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 1,401–1,500 of 8,519 · page 15 of 86

SiteScore GatedPages read Report
Marine marinefederalhb.orgblockedNCUA 12977 · Jacksonville, NC; not measured: HTTP 403 (Cloudflare) — No —
T Bank, National Association tbank.comFDIC 57703 · Dallas, Texas 65 No 1
Utah Power utahpowercu.orgNCUA 67132 · Murray, UT 36 Gated 11
Kirtland kirtlandcu.orgNCUA 12199 · Albuquerque, NM 62 No 32
First Palmetto Bank firstpalmetto.comFDIC 28396 · Camden, South Carolina 56 Gated 32
HFS hfsfcu.orgNCUA 1829 · Hilo, HI 75 No 32
Pioneer Bank pioneer.bankFDIC 27872 · Roswell, New Mexico 62 No 32
Raiz raiz.usNCUA 1409 · El Paso, TX 66 No 32
The Converse County Bank conversecountybank.comFDIC 12591 · Douglas, Wyoming 58 No 32
Blupeak blupeak.comNCUA 60801 · San Diego, CA 60 No 32
Generations Bank mygenerations.bankblockedFDIC 88 · Rogers, Arkansas; not measured: HTTP 403 — No —
Velocity velocitycu.comNCUA 68359 · Austin, TX 52 Gated 32
1St Advantage 1stadvantage.orgNCUA 7448 · Newport News, VA 51 Gated 32
Family Security myfscu.comNCUA 60605 · Decatur, AL 50 Gated 32
Winchester Savings Bank winchestersavings.comFDIC 90308 · Winchester, Massachusetts 48 No 1
First Bank of Berne firstbankofberne.comFDIC 9288 · Berne, Indiana 33 Gated 1
Partners Bank of New England partners.bankFDIC 17115 · Sanford, Maine 67 Gated 32
Prime Alliance Bank primealliance.bankFDIC 57920 · Woods Cross, Utah 44 Gated 7
AuburnBank auburnbank.comFDIC 35 · Auburn, Alabama 33 Gated 1
Amerasia Bank amerasiabankny.comFDIC 27267 · Flushing, New York 56 No 1
First Resource Bank myfrbank.comFDIC 58039 · Lino Lakes, Minnesota 51 No 20
MountainOne Bank mountainone.comFDIC 90253 · North Adams, Massachusetts 28 Gated 1
First Command Bank firstcommand.comFDIC 34415 · Fort Worth, Texas 49 Gated 32
The Federal Savings Bank thefederalsavingsbank.comFDIC 35518 · Chicago, Illinois 61 Gated 32
Parkside Financial Bank & Trust pfbt.comFDIC 58796 · Clayton, Missouri 58 No 32
Bank of Wisconsin Dells dellsbank.bankFDIC 15136 · Wisconsin Dells, Wisconsin 47 Gated 26
Commercial Bank & Trust Co. cbtcnet.comFDIC 8660 · Paris, Tennessee 65 No 32
InsBank insbank.comFDIC 35521 · Nashville, Tennessee 53 Gated 32
The First National Bank of Bemidji fnbbemidji.comFDIC 5093 · Bemidji, Minnesota 66 No 32
Frontier Bank of Texas frontierbankoftexas.comblockedFDIC 58509 · Elgin, Texas; not measured: HTTP 403 — No —
The First National Bank of McGregor tfnbtx.comFDIC 3330 · Mc Gregor, Texas 28 Gated 1
Ixonia Bank ixoniabank.comFDIC 12514 · Ixonia, Wisconsin 54 Gated 32
Ledyard National Bank ledyard.bankFDIC 33418 · Norwich, Vermont 48 Gated 32
MidCountry Bank midcountrybank.comFDIC 28865 · Minneapolis, Minnesota 59 No 1
Mazuma mazuma.orgNCUA 64084 · Overland Park, KS 58 No 32
Brooks Bank, National Association bankfnbt.comFDIC 4062 · Chickasha, Oklahoma 59 No 1
Cape Ann Savings Bank capeannsavings.bankFDIC 90203 · Gloucester, Massachusetts 28 Gated 1
Ideal idealcu.comblockedNCUA 62978 · Woodbury, MN; not measured: HTTP 403 (Cloudflare) — No —
The Monticello Banking Company mbcbank.comFDIC 292 · Monticello, Kentucky 60 No 32
The Paducah Bank and Trust Company paducahbank.comFDIC 16664 · Paducah, Kentucky 62 No 32
Core Bank corebank.comFDIC 34363 · Omaha, Nebraska 38 Gated 32
CNB Bank ourcnb.bankblockedFDIC 2241 · Carlsbad, New Mexico; not measured: HTTP 403 — No —
Sound Community Bank soundcb.comFDIC 57451 · Seattle, Washington 67 No 32
Crescent Bank crescentbank.comFDIC 33492 · Metairie, Louisiana 66 No 3
Nebraskaland Bank nebraskalandbank.comFDIC 34811 · North Platte, Nebraska 53 Gated 32
CommerceOne Bank commerceonebank.comFDIC 59114 · Birmingham, Alabama 49 No 32
United Bank of Michigan unitedbank4u.comFDIC 11807 · Grand Rapids, Michigan 57 No 32
Point Breeze pbcu.comblockedNCUA 66585 · Hunt Valley, MD; not measured: HTTP 403 (Cloudflare) — No —
Centennial Bank mycentennial.bankFDIC 8439 · Trezevant, Tennessee 48 No 32
Great Midwest Bank, S.S.B. greatmidwestbank.comFDIC 29657 · Brookfield, Wisconsin 48 No 1
Farm Bureau Bank FSB farmbureau.bankFDIC 35157 · Reno, Nevada 60 No 32
Zeal zealcu.orgNCUA 62426 · Livonia, MI 69 No 32
Border Bank border.bankFDIC 20776 · Fargo, North Dakota 36 Gated 32
Bank Cmg bankcmg.comFDIC 11623 · Madison, Wisconsin 62 No 32
Connex connexcu.orgNCUA 68511 · North Haven, CT 54 No 1
Farmers and Merchants Bank bankfmb.comFDIC 16810 · Milford, Nebraska 58 No 32
Farmers Bank & Trust farmersbankks.comFDIC 17614 · Great Bend, Kansas 51 Gated 32
Brightstar bscu.orgblockedNCUA 67347 · Fort Lauderdale, FL; not measured: HTTP 403 (Cloudflare) — No —
United Texas Bank, National Association unitedtexasbank.comFDIC 26626 · Dallas, Texas 63 No 1
GNBank, National Association gn-bank.comFDIC 4673 · Girard, Kansas 56 No 30
OneLocal Bank onelocalbank.comFDIC 26555 · Norwood, Massachusetts 63 No 31
United Bankers' Bank ubb.bankFDIC 22180 · Richfield, Minnesota 53 No 32
Belmont Bank & Trust Company belmontbank.comFDIC 58165 · Chicago, Illinois 60 No 32
Cornhusker Bank cornhusker.bankFDIC 14264 · Lincoln, Nebraska 60 No 32
FirsTier Bank firstierbanks.comFDIC 17478 · Kimball, Nebraska 47 Gated 32
Magyar Bank magbank.comFDIC 30704 · New Brunswick, New Jersey 48 No 1
Brazos Valley Schools bvscu.orgNCUA 66353 · Katy, TX 61 No 32
The Police thepolicecu.orgblockedNCUA 60968 · San Bruno, CA; not measured: HTTP 403 (Cloudflare) — No —
UBank u.bankFDIC 18344 · Huntington, Texas 47 Gated 31
Brentwood Bank brentwoodbank.comFDIC 27943 · Bethel Park, Pennsylvania 51 No 32
BNC National Bank bncbank.comFDIC 57197 · Glendale, Arizona 48 No 1
First Southern Bank firstsouthernbank.netFDIC 15565 · Marion, Illinois 66 No 32
Superior National Bank snb-t.comFDIC 5058 · Hancock, Michigan 48 No 1
Latino Community latinoccu.orgNCUA 68430 · Durham, NC 60 No 32
Security Financial Bank sfbank.comFDIC 14222 · Durand, Wisconsin 28 Gated 1
People First peoplefirst.comNCUA 6885 · Allentown, PA 57 No 32
Mirastar mirastarfcu.orgNCUA 24299 · San Jose, CA 66 Gated 32
4Front 4frontcu.comNCUA 61365 · Traverse City, MI 68 No 32
The Freedom Bank of Virginia freedom.bankFDIC 57184 · Fairfax, Virginia 69 No 32
Security State Bank ssbscott.comblockedFDIC 18374 · Scott City, Kansas; not measured: HTTP 403 — No —
Bank of the James bankofthejames.bankFDIC 35207 · Lynchburg, Virginia 63 No 31
R Bank r.bankFDIC 58935 · Round Rock, Texas 69 No 32
Heritage heritagefederal.orgNCUA 16626 · Newburgh, IN 50 Gated 32
First Federal Savings and Loan Association of Greene Co ffgc.bankFDIC 28706 · Waynesburg, Pennsylvania 48 No 1
Power Financial powerfi.orgblockedNCUA 68445 · Pembroke Pines, FL; not measured: HTTP 403 (Cloudflare) — No —
Royal Banks of Missouri royalbanksofmo.comblockedFDIC 19512 · Saint Louis, Missouri; not measured: HTTP 403 — No —
Grand Savings Bank grandsavingsbank.comFDIC 32084 · Grove, Oklahoma 61 No 32
Brannen Bank brannenbanks.comFDIC 5676 · Inverness, Florida 47 Gated 31
American Pride Bank americanpride.bankFDIC 58584 · Macon, Georgia 54 No 32
Sturgis Bank & Trust Company sturgis.bankFDIC 28593 · Sturgis, Michigan 57 No 1
Prevail Bank prevail.bankFDIC 29294 · Medford, Wisconsin 33 Gated 1
Clear Mountain Bank clearmountain.bankFDIC 2443 · Bruceton Mills, West Virginia 63 No 32
St. Mary's stmaryscu.orgNCUA 67864 · Marlborough, MA 53 No 32
Clear Fork Bank, National Association clearfork.bankFDIC 3067 · Albany, Texas 72 No 32
First Central Savings Bank firstcentralsavings.comFDIC 34969 · Glen Cove, New York 58 No 32
Westby Co-Op wccu.coopNCUA 67208 · Westby, WI 44 Gated 32
First Service Bank firstservicebank.comFDIC 18519 · Greenbrier, Arkansas 59 No 25
McCoy mccoyfcu.orgNCUA 9915 · Orlando, FL 57 No 32
Water and Power Community wpccu.orgNCUA 68493 · Los Angeles, CA 58 No 32
Walden Savings Bank waldensavings.bankFDIC 15987 · Montgomery, New York 48 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