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 1,701–1,800 of 8,519 · page 18 of 86

SiteScore GatedPages read Report
Unified Bank unifiedbank.comFDIC 9463 · Martins Ferry, Ohio 61 No 24
Hawaii National Bank hawaiinational.bankFDIC 18296 · Honolulu, Hawaii 60 No 32
Boulder Dam boulderdamcu.orgNCUA 96084 · Boulder City, NV 57 No 32
Heritage Family hfcuvt.comNCUA 24742 · Rutland, VT 48 No 1
Ardent ardentcu.orgblockedNCUA 22637 · Phila, PA; not measured: HTTP 403 (CloudFront) — No —
BayVanguard Bank bayvanguard.comblockedFDIC 32527 · Baltimore, Maryland; not measured: HTTP 403 — No —
Liberty Bank for Savings libertybank.comblockedFDIC 29009 · Chicago, Illinois; not measured: HTTP 403 (Cloudflare) — No —
Resource Bank, National Association resourcebank.comFDIC 3701 · Dekalb, Illinois 60 No 32
Fieldpoint Private Bank & Trust www,fieldpointprivate.comFDIC 58741 · Greenwich, Connecticut 33 Gated 1
Triangle trianglecu.orgNCUA 68210 · Nashua, NH 54 No 32
Legacy Bank legacy.bankFDIC 17676 · Colwich, Kansas 62 No 32
First National Bank North fnbnorth.comFDIC 5269 · Walker, Minnesota 75 No 32
Bank of San Francisco bankbsf.comFDIC 58069 · San Francisco, California 48 No 1
Western Commerce Bank wcb.netFDIC 18389 · Carlsbad, New Mexico 60 No 32
Skyone skyone.orgNCUA 6248 · Hawthorne, CA 51 Gated 32
Cinfed cinfed.orgNCUA 21930 · Cincinnati, OH 58 No 1
Farmers and Merchants Bank fmb.netFDIC 5716 · Lakeland, Georgia 33 Gated 1
Southwest Airlines swacu.orgNCUA 22157 · Dallas, TX 62 No 32
The Peoples Bank Co. pbc.bankFDIC 13220 · Coldwater, Ohio 65 No 32
Sacramento sactocu.orgNCUA 62641 · Sacramento, CA 61 No 32
Maine Savings mainesavings.comNCUA 14565 · Hampden, ME 61 Gated 32
Mid Minnesota mmfcu.orgblockedNCUA 20194 · Baxter, MN; not measured: HTTP 403 (Cloudflare) — No —
Savings Bank of Walpole walpolebank.comFDIC 18030 · Walpole, New Hampshire 56 Gated 32
BNA Bank bna.bankFDIC 19448 · New Albany, Mississippi 73 No 32
Atomic atomiccu.comNCUA 63532 · Piketon, OH 62 No 32
Harmony Bank harmony.bankFDIC 57922 · Dallas, Texas 51 No 32
Skowhegan Savings Bank skowhegan.comFDIC 19532 · Skowhegan, Maine 60 No 32
PSB Bank ourpsb.comFDIC 15264 · Rhineland, Missouri 33 Gated 1
Focus Bank focusbank.comFDIC 1426 · Charleston, Missouri 48 No 32
Community National Bank bankoncnb.comFDIC 25665 · Seneca, Kansas 62 No 31
Community Bank of Louisiana communitybankofla.bankFDIC 13951 · Mansfield, Louisiana 65 No 31
Texas National Bank of Jacksonville txnationalbank.comFDIC 26181 · Jacksonville, Texas 48 Gated 32
Azura azuracu.comNCUA 61823 · Topeka, KS 63 No 32
Freedom Bank of Southern Missouri freedombk.comFDIC 35276 · Cassville, Missouri 60 No 32
First Commercial Bank (USA) bankfcb.comblockedFDIC 34496 · Alhambra, California; not measured: HTTP 403 — No —
Pendleton Community Bank, Inc. yourbank.bankFDIC 6176 · Franklin, West Virginia 62 No 32
BankIowa bankiowa.comFDIC 17282 · Cedar Rapids, Iowa 39 Gated 1
First South Financial firstsouth.comNCUA 24963 · Bartlett, TN 54 Gated 32
The Fountain Trust Company fountaintrust.comFDIC 5768 · Covington, Indiana 69 No 32
Carolina Bank & Trust Co. carolinabank.netFDIC 16723 · Lamar, South Carolina 69 No 32
Millennium Bank mb.bankFDIC 58348 · Des Plaines, Illinois 51 No 29
The Old Fort Banking Company oldfortbank.comFDIC 10255 · Old Fort, Ohio 58 No 32
FNBC Bank fnbc.usFDIC 1294 · Ash Flat, Arkansas 28 Gated 1
United Southern Bank unitedsouthernbank.comFDIC 15465 · Umatilla, Florida 64 No 32
Idb Global idbglobalfcu.orgNCUA 14176 · Washington, DC 33 Gated 1
Bank of Sun Prairie bankofsunprairie.comFDIC 13565 · Sun Prairie, Wisconsin 28 Gated 1
First Resource Bank firstresourcebank.comFDIC 57967 · Exton, Pennsylvania 55 Gated 32
First Utah Bank firstutahbank.comFDIC 22738 · Salt Lake City, Utah 28 Gated 1
Prairie State Bank and Trust psbank.netFDIC 27362 · Springfield, Illinois 57 No 1
First Heritage fhfcu.orgNCUA 9604 · Corning, NY 57 No 32
Hebron Savings Bank hebronsavingsbank.comFDIC 8811 · Hebron, Maryland 56 No 32
Freedom Bank freedombanknj.comFDIC 58712 · Maywood, New Jersey 48 Gated 1
Intouch itcu.orgNCUA 68505 · Plano, TX 53 No 32
Northeast Bank nebankmn.comFDIC 16659 · Minneapolis, Minnesota 55 No 32
Service 1St service1.orgNCUA 22128 · Danville, PA 49 No 1
First State Bank of Middlebury bfirst.bankFDIC 8745 · Middlebury, Indiana 50 No 32
Hana Bank USA, National Association hanabank.usFDIC 26790 · Fort Lee, New Jersey 61 No 32
DMB Community Bank deforestbank.comFDIC 14769 · Madison, Wisconsin 54 Gated 32
Consolidated consolidatedccu.comNCUA 9292 · Portland, OR 52 No 32
West Shore Bank westshorebank.comFDIC 14929 · Ludington, Michigan 60 No 32
Timberline Bank timberlinebank.comFDIC 57857 · Grand Junction, Colorado 57 No 32
Citizens Bank citzcar.comFDIC 893 · Carthage, Tennessee 49 Gated 32
Arthur State Bank arthurstatebank.comFDIC 15085 · Union, South Carolina 59 No 32
First Century Bank, National Association myfirstcenturybank.comFDIC 57123 · Commerce, Georgia 45 No 1
Quail Creek Bank quailcreek.bankFDIC 21848 · Oklahoma City, Oklahoma 38 No 1
Bank of the West bnkwest.comFDIC 26627 · Grapevine, Texas 55 Gated 26
Barwick Banking Company barwickbank.comFDIC 22205 · Barwick, Georgia 40 No 32
1St Northern California 1stnorcalcu.orgNCUA 68668 · Martinez, CA 60 No 32
Plains State Bank psbplains.comFDIC 17739 · Humble, Texas 28 Gated 1
Liberty Bay lbcu.orgunreachableNCUA 67541 · Braintree, MA — No —
Community Federal Savings Bank cfsb.comFDIC 57129 · Woodhaven, New York 40 Gated 32
Premier Bank premierbank.bankFDIC 34384 · Rock Valley, Iowa 49 No 1
Uniwyo uniwyo.comblockedNCUA 9089 · Laramie, WY; not measured: HTTP 403 (Cloudflare) — No —
Oregon Pacific Banking Company dba Oregon Pacific Bank oregonpacificbank.comunreachableFDIC 23007 · Florence, Oregon — No —
Citizens Bank citizensebank.comFDIC 17809 · Corvallis, Oregon 54 No 32
The Bank of New Glarus thebankofnewglarus.bankFDIC 10378 · New Glarus, Wisconsin 42 Gated 32
Sooper Cu DBA Climb Cu climbcu.orgNCUA 62776 · Arvada, CO 67 No 32
Endeavor Bank endeavor.bankFDIC 59099 · San Diego, California 58 No 32
Frontier frontiercreditunion.comNCUA 68376 · Idaho Falls, ID 64 No 32
Macon Bank and Trust Company maconbankandtrust.comFDIC 6091 · Lafayette, Tennessee 48 No 1
America's Christian americaschristiancu.comNCUA 68062 · Glendora, CA 48 No 1
CIBM Bank cibmbank.comFDIC 11729 · Champaign, Illinois 48 No 1
Wilson & Muir Bank & Trust Company wilsonmuirbank.comFDIC 17040 · Bardstown, Kentucky 40 No 32
Complex Community comcfcu.comNCUA 12697 · Odessa, TX 58 No 32
First Freedom Bank firstfreedombank.comFDIC 58208 · Lebanon, Tennessee 55 Gated 32
First Option Bank firstoptionbank.comFDIC 4746 · Osawatomie, Kansas 68 No 28
National Institutes of Health nihfcu.orgNCUA 3601 · Rockville, MD 60 Gated 32
Rollstone Bank & Trust rollstonebank.comFDIC 17797 · Fitchburg, Massachusetts 58 No 32
Royal Bank royalbank-usa.comFDIC 13454 · Elroy, Wisconsin 57 No 31
Cumberland Valley National Bank & Trust Company cvnb.comFDIC 2691 · London, Kentucky 65 No 32
PB&T Bank pbandt.bankFDIC 12594 · Pueblo, Colorado 44 Gated 32
CNB St Louis Bank cnbstl.comFDIC 4549 · Maplewood, Missouri 65 No 32
Dover-Phila dpfcu.orgNCUA 8822 · Dover, OH 57 Gated 32
FCN Bank, National Association fcnbank.comblockedFDIC 4319 · Brookville, Indiana; not measured: HTTP 403 (Cloudflare) — No —
The First Bank of Greenwich greenwichfirst.comFDIC 58307 · Cos Cob, Connecticut 58 Gated 32
PromiseOne Bank promiseone.bankFDIC 58657 · Duluth, Georgia 61 No 1
CUSB Bank cusb.bankFDIC 18443 · Cresco, Iowa 46 No 32
First firstcu.netNCUA 68444 · Chandler, AZ 53 Gated 32
Minster Bank minsterbank.comFDIC 763 · Minster, Ohio 56 No 32
The Peoples peoplescu.comNCUA 65861 · Middletown, RI 62 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