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 1,501–1,600 of 8,519 · page 16 of 86

SiteScore GatedPages read Report
Kellogg Community kccu4u.orgNCUA 68678 · Battle Creek, MI 46 Gated 32
Olympia Federal Savings and Loan Association olyfed.comFDIC 28599 · Olympia, Washington 55 No 32
Calvin B. Taylor Banking Company of Berlin, Maryland taylorbank.comFDIC 5874 · Berlin, Maryland 61 No 31
River Bank riverbank.bizFDIC 14995 · Stoddard, Wisconsin 28 Gated 1
Houston Police hpcu.coopNCUA 2357 · Houston, TX 58 No 32
Tucson tucsonfcu.comNCUA 2157 · Tucson, AZ 57 Gated 30
1St Midamerica 1stmidamerica.orgNCUA 63932 · Bethalto, IL 65 No 32
First Metro Bank firstmetro.comFDIC 27381 · Muscle Shoals, Alabama 60 No 31
Presidential Bank, FSB presidential.comFDIC 32363 · Bethesda, Maryland 48 Gated 32
The Port Washington State Bank pwsb.bankFDIC 8698 · Port Washington, Wisconsin 33 Gated 1
Story Bank DBA Story Financial Partners story.bankFDIC 57069 · Jackson, Mississippi 48 No 32
Pioneer Bank & Trust pioneerbankandtrust.comFDIC 15562 · Belle Fourche, South Dakota 50 Gated 32
Merck Sharp & Dohme msdfcu.orgNCUA 6574 · Chalfont, PA 61 No 32
Cornerstone National Bank & Trust Company cnbtc.bankblockedFDIC 57061 · Palatine, Illinois; not measured: HTTP 403 — No —
MapleMark Bank maplemarkbank.comFDIC 3182 · Tulsa, Oklahoma 64 No 4
Adams Community Bank adamscommunity.comFDIC 90140 · Adams, Massachusetts 48 No 1
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania jbt.bankFDIC 10677 · Jonestown, Pennsylvania 48 No 1
Midwest America mwafcu.orgNCUA 1427 · Fort Wayne, IN 65 No 32
Tropical Financial tropicalfcu.orgNCUA 68476 · Miramar, FL 33 Gated 1
Kirkpatrick Bank kirkpatrickbank.comFDIC 20156 · Edmond, Oklahoma 42 Gated 32
Golden Plains gpcu.orgNCUA 62542 · Garden City, KS 50 Gated 32
The Torrington Savings Bank torringtonsavings.bankFDIC 16636 · Torrington, Connecticut 55 No 1
Golden State Bank goldenstatebank.comFDIC 57585 · Glendale, California 60 No 32
Vision Bank visionbank.bankFDIC 4029 · Ada, Oklahoma 62 No 32
Farmers & Merchants Bank fmbnc.comFDIC 2036 · Granite Quarry, North Carolina 58 No 32
HCN Bank hcnbank.comFDIC 21606 · Riverside, California 52 Gated 32
Greater Texas gtfcu.orgNCUA 7590 · Austin, TX 61 No 32
The Bank of Old Monroe bankofoldmonroe.comFDIC 1655 · Old Monroe, Missouri 58 Gated 30
First Federal Community Bank, National Association firstfed.comFDIC 29787 · Dover, Ohio 62 No 32
Peoples State Bank peoplesfinancial.comFDIC 12814 · Prairie Du Chien, Wisconsin 28 Gated 1
Ciera Bank cierabank.comFDIC 3226 · Graham, Texas 58 No 32
First Federal Bank of Kansas City ffbkc.comFDIC 29047 · Lees Summit, Missouri 64 No 32
Tennessee State Bank tnstatebank.comFDIC 20720 · Pigeon Forge, Tennessee 66 No 32
HomeTown Bank, National Association hometown.bankblockedFDIC 19603 · Galveston, Texas; not measured: HTTP 403 (CloudFront) — No —
The Farmers National Bank of Danville fnbky.comFDIC 2740 · Danville, Kentucky 57 No 32
First National Bank of Michigan fnbmichigan.bankFDIC 58259 · Kalamazoo, Michigan 63 No 32
Haven Savings Bank havenbank.comFDIC 30039 · Hoboken, New Jersey 56 Gated 32
Midwest Bank midwestbank.netFDIC 9737 · Detroit Lakes, Minnesota 45 Gated 1
Enrichment enrichmentfcu.orgNCUA 6778 · Oak Ridge, TN 49 No 32
Coastal Heritage Bank coastalheritagebank.comFDIC 26591 · Weymouth, Massachusetts 42 No 32
Del-One del-one.orgNCUA 13919 · Dover, DE 70 No 32
First National Banker's Bank bankers-bank.comFDIC 25247 · Baton Rouge, Louisiana 28 Gated 1
International Bank of Chicago inbk.comFDIC 33708 · Chicago, Illinois 56 No 29
First Northern Bank of Wyoming fnbofwyo.comFDIC 2208 · Buffalo, Wyoming 67 No 1
Beacon Community Bank beacon.bankFDIC 59106 · Mount Pleasant, South Carolina 37 No 8
Tolleson Private Bank tollesonwealth.comFDIC 57522 · Dallas, Texas 48 No 1
Resource Bank resource.bankFDIC 34803 · Covington, Louisiana 58 No 30
Community First Bank of Indiana cfbindiana.comFDIC 57511 · Kokomo, Indiana 63 No 32
Potomac Bank potomac.bankblockedFDIC 9023 · Charles Town, West Virginia; not measured: HTTP 403 (Cloudflare) — No —
BTG Pactual Bank, National Association btgpactual.usFDIC 35154 · New York, New York 48 No 32
Matanuska Valley mvfcu.coopNCUA 5924 · Palmer, AK 57 No 32
First Security Bank firstsecuritybk.comFDIC 17120 · Batesville, Mississippi 49 No 32
Sanibel Captiva Community Bank sancapbank.comblockedFDIC 57425 · Sanibel, Florida; not measured: HTTP 403 (Cloudflare) — No —
University of Hawaii uhfcu.comNCUA 10465 · Honolulu, HI 48 No 1
Alpena-Alcona Area aaacu.comNCUA 62035 · Alpena, MI 55 Gated 32
Dundee Bank dundeebank.comFDIC 10643 · Omaha, Nebraska 53 No 31
Belco Community Credit Union belco.orgNCUA 68256 · Harrisburg, PA 61 Gated 32
Round Top State Bank roundtopstatebank.comFDIC 19358 · Round Top, Texas 50 Gated 30
Transpecos Banks, SSB transpecos.bankFDIC 11178 · Pecos, Texas 65 No 32
Watertown Savings Bank watersavingsbank.comFDIC 15990 · Watertown, New York 33 Gated 1
First National Bank and Trust Company of Weatherford go2fbt.bankFDIC 5575 · Weatherford, Texas 69 No 32
Altaone altaone.orgNCUA 5612 · Ridgecrest, CA 55 No 32
Westreet westreet.orgNCUA 24812 · Tulsa, OK 56 Gated 32
Oak View National Bank oakviewbank.comFDIC 58827 · Warrenton, Virginia 28 Gated 1
Dream First Bank, National Association dreamfirst.bankFDIC 4779 · Syracuse, Kansas 33 Gated 1
Harleysville Bank harleysvillebank.comblockedFDIC 31461 · Harleysville, Pennsylvania; not measured: HTTP 403 — No —
Financial Center First fcfcu.comNCUA 68658 · Indianapolis, IN 49 No 32
Summit State Bank summitstatebank.comFDIC 32203 · Santa Rosa, California 31 Gated 1
Greenwood greenwoodcu.orgblockedNCUA 66594 · Warwick, RI; not measured: HTTP 403 (Cloudflare) — No —
Diamond Bank diamond.bankFDIC 1527 · Murfreesboro, Arkansas 57 No 32
True Community trueccu.comNCUA 68718 · Jackson, MI 57 No 32
Central Bank centralbankar.comFDIC 1756 · Little Rock, Arkansas 53 No 32
Oklahoma's okcu.orgNCUA 24953 · Oklahoma City, OK 57 No 32
Texas Bank texasbnk.comFDIC 21074 · Henderson, Texas 50 No 32
The Killbuck Savings Bank Company killbuckbank.comFDIC 11860 · Killbuck, Ohio 57 No 32
Alero Financial alerofinancial.org;cafcNCUA 68215 · Elgin, IL 33 Gated 1
Mainstreet Community Bank of Florida bankonmainstreet.comFDIC 57598 · Deland, Florida 64 No 32
The First National Bank of Middle Tennessee fnbmt.comFDIC 4952 · Mcminnville, Tennessee 61 No 31
First Bank & Trust Co. fb247.comFDIC 27394 · Duncan, Oklahoma 60 No 32
Houston houstonfcu.orgNCUA 14091 · Sugar Land, TX 53 No 32
First State Bank firststatebnk.comFDIC 15663 · Waynesboro, Mississippi 33 Gated 1
Stone Bank stonebank.comFDIC 17431 · Mountain View, Arkansas 56 No 8
Tlc Community tlccu.orgNCUA 60509 · Adrian, MI 59 No 32
First National Bank of Oklahoma fnbok.bankFDIC 4211 · Oklahoma City, Oklahoma 71 No 32
The Farmers & Merchants Bank fmberlin.comblockedFDIC 15779 · Berlin, Wisconsin; not measured: HTTP 403 (Cloudflare) — No —
C3bank, National Association c3bank.comFDIC 25249 · Encinitas, California 59 Gated 32
Midwest Regional Bank mwrbank.comFDIC 8889 · Clayton, Missouri 44 Gated 31
First City firstcitycu.orgblockedNCUA 68503 · Pasadena, CA; not measured: HTTP 403 (Cloudflare) — No —
American Bank of Freedom americanbankoffreedom.bankFDIC 15423 · Wellsville, Missouri 51 Gated 32
Blackhawk Community bhccu.orgNCUA 66998 · Janesville, WI 57 No 32
Western Bank western.bankFDIC 1720 · Lubbock, Texas 61 Gated 32
Winchester Co-operative Bank wcbonline.comFDIC 27238 · Winchester, Massachusetts 64 No 32
Mid-Missouri Bank midmobank.comFDIC 15584 · Springfield, Missouri 68 No 1
Fortera forteracu.comNCUA 9759 · Clarksville, TN 54 No 32
The First National Bank of Granbury fnbgranbury.comblockedFDIC 3228 · Granbury, Texas; not measured: HTTP 403 — No —
First Community Bank of Tennessee firstcommunitybanker.comFDIC 27211 · Shelbyville, Tennessee 67 No 32
The Farmers Bank thefarmersbank.netFDIC 1696 · Portland, Tennessee 50 No 32
New Peoples Bank, Inc. newpeoples.bankFDIC 34890 · Honaker, Virginia 64 No 32
Atlantic Community Bankers Bank acbb.comFDIC 24829 · Camp Hill, Pennsylvania 53 Gated 32
FNB Oxford Bank fnboxford.comFDIC 5005 · Oxford, Mississippi 54 Gated 31

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