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 1,601–1,700 of 8,519 · page 17 of 86

SiteScore GatedPages read Report
Bank of Botetourt bankofbotetourt.comFDIC 6137 · Buchanan, Virginia 64 Gated 32
Qualstar qualstarcu.comblockedNCUA 68223 · Bothell, WA; not measured: HTTP 403 — No —
United Prairie Bank unitedprairiebank.comFDIC 10958 · Mountain Lake, Minnesota 50 Gated 32
Security Bank sbtulsa.bankblockedFDIC 4178 · Tulsa, Oklahoma; not measured: HTTP 403 — No —
Hoosier Hills hoosierhills.comNCUA 60768 · Bedford, IN 51 Gated 32
Pinnacle Bank pinnacle.bankFDIC 58297 · Gilroy, California 63 No 32
Texas Heritage National Bank thnb.bankFDIC 3161 · Daingerfield, Texas 53 No 32
Schlumberger Employees secutx.comNCUA 67625 · Sugar Land, TX 50 Gated 31
Campus campusfederal.orgNCUA 79 · Baton Rouge, LA 48 No 1
First Commerce Bank firstcommercebank.netFDIC 57465 · Lewisburg, Tennessee 59 No 13
American Plus Bank, N.A. bankaplus.comFDIC 58469 · Arcadia, California 49 No 32
NewFirst National Bank newfirst.comFDIC 3183 · El Campo, Texas 54 Gated 32
Gather gatherfcu.orgNCUA 9381 · Lihue, HI 48 Gated 32
Passumpsic Savings Bank passumpsicbank.comFDIC 14134 · Saint Johnsbury, Vermont 55 Gated 32
Bank of Eastern Oregon beobank.comFDIC 16243 · Heppner, Oregon 50 Gated 19
Numark numarkcu.orgNCUA 61447 · Joliet, IL 51 No 32
Franklin Savings Bank fsbnh.bankFDIC 17951 · Franklin, New Hampshire 47 No 13
Vermillion State Bank vermillionbank.comFDIC 10214 · Vermillion, Minnesota 54 No 32
Oxford Bank oxfordbank.comFDIC 9719 · Oxford, Michigan 44 No 2
Greenfield Banking Company gbcbank.comFDIC 15632 · Greenfield, Indiana 33 Gated 1
Community Resource crcu.orgNCUA 68021 · Baytown, TX 63 No 32
First National Bank of Waterloo fnbwaterloo.bankFDIC 3842 · Waterloo, Illinois 28 Gated 1
West Alabama Bank & Trust wabt.comFDIC 16175 · Reform, Alabama 28 Gated 1
Legends Bank legendsbank.comFDIC 34936 · Clarksville, Tennessee 59 Gated 32
Certified certifiedfed.comNCUA 9230 · El Monte, CA 54 No 32
American Bank & Trust Company, Inc. ambanking.comFDIC 35568 · Bowling Green, Kentucky 51 Gated 32
Valliance Bank valliance.bankFDIC 57841 · Oklahoma City, Oklahoma 59 No 32
Community Choice comchoicecu.orgNCUA 65078 · Johnston, IA 58 Gated 5
First Northern Bank and Trust Company 1stnorthern.bankFDIC 7675 · Palmerton, Pennsylvania 62 No 32
Capital capcu.orgblockedNCUA 61637 · Bismarck, ND; not measured: HTTP 403 (Cloudflare) — No —
Community First comfirstcu.orgNCUA 61667 · Santa Rosa, CA 50 Gated 32
Granite granite.orgNCUA 24726 · Salt Lake City, UT 64 No 32
StonehamBank, A Co-operative Bank stonehambank.comFDIC 26559 · Stoneham, Massachusetts 58 No 32
The Juniata Valley Bank jvbonline.comFDIC 7614 · Mifflintown, Pennsylvania 46 Gated 32
Mid Oregon midoregon.comNCUA 68748 · Bend, OR 57 Gated 32
Nutmeg State Financial nutmegstatefcu.orgblockedNCUA 68657 · Rocky Hill, CT; not measured: HTTP 403 (Cloudflare) — No —
Century Next Bank cnext.bankFDIC 29700 · Ruston, Louisiana 52 No 32
State Bank statebank1910.bankFDIC 1833 · Brownsburg, Indiana 47 Gated 32
FinWise Bank finwise.bankFDIC 35323 · Murray, Utah 52 Gated 29
F&M Bank fmbankok.comFDIC 12761 · Edmond, Oklahoma 60 No 32
Lindell Bank & Trust Company lindellbank.comFDIC 1073 · St. Louis, Missouri 52 No 16
Abnb abnbfcu.orgNCUA 13605 · Chesapeake, VA 49 No 32
SpiritBank spiritbank.comFDIC 4048 · Tulsa, Oklahoma 59 Gated 31
DR Bank drbank.comFDIC 58257 · Darien, Connecticut 61 Gated 32
VersaBank USA National Association versabankusa.comFDIC 10160 · Holdingford, Minnesota 58 No 1
Heartland Bank myheartland.bankFDIC 18740 · Geneva, Nebraska 56 No 32
Stifel Trust Company, National Association stifeltrust.comFDIC 33785 · Saint Louis, Missouri 67 No 1
N C P D ncpdfcu.orgNCUA 3850 · Plainview, NY 48 No 32
Citizens State Bank of New Castle, Indiana mycsbin.comFDIC 13107 · New Castle, Indiana 58 No 32
Day Air dayair.orgNCUA 66835 · Kettering, OH 65 No 32
Sun East suneast.orgNCUA 6160 · Aston, PA 57 Gated 32
Peoples Bank & Trust Co. pbtc.netFDIC 8903 · Troy, Missouri 28 Gated 1
Paragon Bank bankparagon.comFDIC 57874 · Memphis, Tennessee 58 No 32
Cedar Point cpfcu.comNCUA 5234 · Lexington Park, MD 54 Gated 32
Thrivent Bank thriventbank.comFDIC 59286 · Salt Lake City, Utah 62 No 19
Members First mfcu.netNCUA 62076 · Midland, MI 51 Gated 32
Texas Bay texasbaycu.orgNCUA 67465 · Houston, TX 60 No 31
First American Bank and Trust Company fabt.bankFDIC 16858 · Athens, Georgia 60 No 32
Greenfield Co-operative Bank greenfieldcoopbank.comFDIC 26397 · Greenfield, Massachusetts 48 No 1
New Millennium Bank nmbonline.comFDIC 35151 · Fort Lee, New Jersey 55 Gated 32
Merced School Employees mercedschoolcu.orgNCUA 9119 · Merced, CA 59 No 32
Arbor Financial arborfcu.orgNCUA 61708 · Kalamazoo, MI 69 No 32
Mechanics Cooperative Bank mechanics.bankFDIC 26634 · Taunton, Massachusetts 38 Gated 32
Terrabank, National Association terrabank.comblockedFDIC 26442 · Coral Gables, Florida; not measured: HTTP 403 — No —
Fortress Bank bankfortress.comFDIC 9632 · Peoria, Illinois 53 No 32
Mechanics Bank mymechanics.comFDIC 29011 · Mansfield, Ohio 55 No 32
Mountain Pacific Bank mp.bankFDIC 58341 · Everett, Washington 50 No 32
Visionbank of Iowa visionbank.comFDIC 11763 · Ames, Iowa 61 No 32
Titan Bank, N.A. titanbank.comFDIC 3225 · Mineral Wells, Texas 56 No 28
Farmers National Bank farmersnationalbank.bankFDIC 3732 · Prophetstown, Illinois 65 Gated 32
Sun Community suncommunity.comNCUA 9296 · El Centro, CA 60 No 32
Windsor Federal Bank windsorfederal.comFDIC 29632 · Windsor, Connecticut 57 No 32
The First State Bank fsblouise.comblockedFDIC 17588 · Louise, Texas; not measured: HTTP 403 — No —
21st Century Bank 21stcb.comFDIC 9751 · Loretto, Minnesota 33 Gated 1
First Southern State Bank fssbank.comFDIC 2829 · Stevenson, Alabama 53 No 31
United Bank & Trust ubankonline.comFDIC 17477 · Marysville, Kansas 46 Gated 32
Southwest Heritage Bank swhbank.comFDIC 29087 · Scottsdale, Arizona 62 No 32
Seattle Bank seattlebank.comFDIC 35139 · Seattle, Washington 50 No 32
The Savings Bank tsbdirect.bankFDIC 90291 · Wakefield, Massachusetts 57 No 32
Traditions Bank traditionsal.comFDIC 57554 · Cullman, Alabama 55 Gated 29
Central State Bank centralstatebank.comFDIC 72 · Calera, Alabama 57 No 32
First Bank firstbankak.comFDIC 14885 · Ketchikan, Alaska 55 No 32
Newfield National Bank newfieldnationalbank.bankblockedFDIC 14646 · Newfield, New Jersey; not measured: HTTP 403 — No —
Pelican pelicanstatecu.comNCUA 62710 · Baton Rouge, LA 49 No 1
First Liberty Bank myfirstliberty.comFDIC 14029 · Oklahoma City, Oklahoma 72 No 32
Pioneer Bank bankwithpioneer.comFDIC 5193 · Mapleton, Minnesota 57 No 32
Oceanair oceanair.orgNCUA 7608 · Oxnard, CA 65 No 32
Hope hopecu.orgNCUA 24829 · Jackson, MS 54 Gated 32
All One all-onecu.comNCUA 66699 · Leominster, MA 62 No 31
Points West Community Bank pwcbank.comFDIC 3031 · Windsor, Colorado 48 No 1
First Independence Bank firstindependence.comblockedFDIC 20179 · Detroit, Michigan; not measured: HTTP 403 — No —
Farmers and Merchants Bank fmb1919.bankFDIC 1895 · Upperco, Maryland 62 No 32
KS Bank, Inc. ksbankinc.comFDIC 29771 · Smithfield, North Carolina 60 No 32
Communitywide comwide.comNCUA 18336 · South Bend, IN 54 Gated 32
First Liberty Bank flb.bankFDIC 3301 · Liberty, Texas 44 Gated 31
Pfcu pfcu4me.comNCUA 68690 · Portland, MI 42 No 32
Falcon National Bank falconnational.comFDIC 57603 · Foley, Minnesota 54 Gated 31
Farmers and Merchants Union Bank fmub.bankFDIC 14445 · Columbus, Wisconsin 48 No 1
Central One centralfcu.comNCUA 8218 · Shrewsbury, MA 64 Gated 32
Bogota Savings Bank bogotasavingsbank.comFDIC 29941 · Teaneck, New Jersey 67 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