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 1,801–1,900 of 8,519 · page 19 of 86

SiteScore GatedPages read Report
Citizens 1st Bank citizens1stbank.comFDIC 1715 · Tyler, Texas 56 No 29
First United Bank firstunitedonline.comFDIC 15472 · Park River, North Dakota 53 Gated 32
First Bank first1bank.comFDIC 9620 · Clewiston, Florida 45 No 32
Air Academy aafcu.comNCUA 10600 · Colorado Spring, CO 64 No 1
First Century Bank firstcenturybank.comFDIC 1700 · Tazewell, Tennessee 66 No 32
Platte Valley Bank pvbank.comFDIC 5442 · Torrington, Wyoming 40 No 32
Maverick Bank maverick.bankFDIC 17446 · Fort Davis, Texas 66 No 32
Hawaii Community hicommfcu.comblockedNCUA 1719 · Kailua Kona, HI; not measured: HTTP 403 (Cloudflare) — No —
Erie eriefcu.orgNCUA 1476 · Erie, PA 72 No 32
Heritage Financial heritagefcu.comNCUA 24985 · Middletown, NY 48 No 1
Smart Financial smartcu.orgNCUA 67927 · Houston, TX 46 Gated 32
Monson Savings Bank monsonsavings.bankFDIC 90245 · Monson, Massachusetts 61 No 32
Maine State mainestatecu.orgNCUA 63377 · Augusta, ME 48 No 1
CNB Bank, Inc. cnb.bankblockedFDIC 14507 · Berkeley Springs, West Virginia; not measured: HTTP 403 — No —
Anchor Bank no website on recordFDIC 57931 · Palm Beach Gardens, Florida; no web address reported to the FDIC — No —
Family Trust familytrust.orgNCUA 11554 · Rock Hill, SC 65 No 32
The Citizens Bank cbnm.comblockedFDIC 1164 · Farmington, New Mexico; not measured: HTTP 403 — No —
Franklin Bank & Trust Company fbtco.comblockedFDIC 17937 · Franklin, Kentucky; not measured: HTTP 403 — No —
Solarity solaritycu.orgNCUA 68061 · Yakima, WA 46 No 32
MRV Banks mrvbanks.comFDIC 58619 · Sainte Genevieve, Missouri 45 Gated 32
Flagship Bank flagshipbank.comblockedFDIC 58113 · Clearwater, Florida; not measured: HTTP 403 — No —
Bank of Bridger, National Association bankofbridger.comFDIC 2224 · Bridger, Montana 63 Gated 32
The Western State Bank wsbks.comFDIC 21121 · Garden City, Kansas 60 No 32
Texell texell.orgNCUA 68608 · Temple, TX 57 No 32
Bayer Heritage bayerhfcu.comNCUA 11836 · New Martinsvill, WV 65 No 32
Primebank primebank.bankFDIC 8101 · Le Mars, Iowa 58 No 32
Caribe caribefederal.comNCUA 7345 · San Juan, PR 61 No 32
LA Capitol lacapfcu.orgblockedNCUA 14568 · Baton Rouge, LA; not measured: HTTP 403 — No —
The New Washington State Bank newwashbank.comblockedFDIC 13305 · New Washington, Indiana; not measured: HTTP 403 (CloudFront) — No —
The Pitney Bowes Bank, Inc. no website on recordFDIC 34599 · Salt Lake City, Utah; no web address reported to the FDIC — No —
American Federal Bank americanfederalbank.comFDIC 29140 · Fargo, North Dakota 55 No 32
Direct direct.comNCUA 9071 · Needham, MA 62 No 32
First Community Bank fcbtx.comFDIC 22964 · San Benito, Texas 57 No 32
Decorah Bank & Trust Company decorah.bankFDIC 15200 · Decorah, Iowa 33 Gated 1
Farmers Bank and Trust Company farmers247.comFDIC 12869 · Marion, Kentucky 57 No 32
River Valley Community Bank myrvcb.comFDIC 58276 · Yuba City, California 60 No 32
First Western Bank fwbank.comFDIC 13083 · Booneville, Arkansas 65 No 1
Sauk Valley Bank & Trust Company saukvalleybank.comFDIC 35131 · Sterling, Illinois 56 Gated 32
Farmers State Bank farmersebank.comblockedFDIC 342 · Victor, Montana; not measured: HTTP 403 — No —
Citizens Trust Bank ctbconnect.comFDIC 8033 · Atlanta, Georgia 33 Gated 1
Reliabank Dakota reliabank.comFDIC 16221 · Estelline, South Dakota 64 No 32
Reliant Community reliantcu.comblockedNCUA 20258 · Sodus, NY; not measured: HTTP 403 — No —
City State Bank citystatebank.comFDIC 14410 · Norwalk, Iowa 28 Gated 1
First Savings Bank of Hegewisch fsbhegewisch.comFDIC 29809 · Chicago, Illinois 58 No 32
Quontic Bank quontic.comFDIC 57807 · Astoria, New York 60 No 32
Franklin Savings Bank franklinsavings.bankFDIC 19836 · Farmington, Maine 62 Gated 32
Verity veritycu.comblockedNCUA 68517 · Seattle, WA; not measured: HTTP 403 — No —
Savers Co-operative Bank saversbank.comFDIC 26455 · Southbridge, Massachusetts 51 Gated 31
The Bank of Canton thebankofcanton.comblockedFDIC 90175 · Canton, Massachusetts; not measured: HTTP 403 — No —
Cenlar FSB cenlar.comFDIC 30996 · Ewing, New Jersey 51 Gated 29
Mission Valley Bank missionvalleybank.comFDIC 57101 · Sun Valley, California 28 Gated 1
Community First Bank cfirstbank.comblockedFDIC 35020 · New Iberia, Louisiana; not measured: HTTP 403 — No —
Hiawatha National Bank hnbank.comFDIC 13058 · Hager City, Wisconsin 56 No 31
Millennium Bank ngnb.bankFDIC 35138 · Chattanooga, Tennessee 59 No 29
Foothill foothillcu.orgblockedNCUA 12425 · Arcadia, CA; not measured: HTTP 403 (Cloudflare) — No —
True Sky trueskycu.orgblockedNCUA 24934 · Oklahoma City, OK; not measured: HTTP 403 — No —
Sea Comm seacomm.orgNCUA 15672 · Massena, NY 59 Gated 32
Polish National pncu.comNCUA 66597 · Chicopee, MA 28 Gated 1
People's Bank of Commerce peoplesbank.bankFDIC 34685 · Medford, Oregon 66 No 32
Harford Bank harfordbank.comblockedFDIC 19101 · Aberdeen, Maryland; not measured: HTTP 403 — No —
Kohler kohlercu.comblockedNCUA 66872 · Sheboygan, WI; not measured: HTTP 403 (Cloudflare) — No —
Corda cordacu.orgNCUA 63602 · Cedar Rapids, IA 72 No 32
Home State Bank, National Association homestateonline.comFDIC 12815 · Crystal Lake, Illinois 71 No 1
Highland Bank highland.bankFDIC 16111 · Saint Paul, Minnesota 56 No 32
Industrial Bank industrial-bank.comFDIC 14679 · Washington, District Of Columbia 37 No 32
American Bank, National Association abdallas.bankFDIC 21567 · Dallas, Texas 52 Gated 31
Cfsbank cfsbank.bankFDIC 29672 · Charleroi, Pennsylvania 33 Gated 1
Citizens Bank of West Virginia, Inc. citizenswv.comblockedFDIC 6760 · Elkins, West Virginia; not measured: HTTP 403 — No —
First Central State Bank firstcentralsb.bankblockedFDIC 19716 · Dewitt, Iowa; not measured: HTTP 403 — No —
Wilmington Trust, National Association wilmingtontrust.comFDIC 34069 · Wilmington, Delaware 45 Gated 32
Westbury Bank westburybankwi.comFDIC 28400 · Waukesha, Wisconsin 28 Gated 1
Pathways Financial pathwayscu.comNCUA 66376 · Columbus, OH 50 Gated 32
MidSouth Bank bankmidsouth.comFDIC 2777 · Dothan, Alabama 61 Gated 32
Town and Country townandcountry.orgNCUA 60790 · Minot, ND 65 No 32
Itasca Bank & Trust Co. itascabank.comFDIC 16666 · Itasca, Illinois 52 Gated 32
The Peoples Bank, Biloxi, Mississippi thepeoples.comFDIC 340 · Biloxi, Mississippi 61 No 32
Schertz Bank & Trust schertzbank.comFDIC 10344 · Schertz, Texas 46 Gated 32
FNB Bank, Inc. growwithfnb.comFDIC 2759 · Mayfield, Kentucky 56 No 32
The North Salem State Bank nssb.bankFDIC 8063 · North Salem, Indiana 53 No 32
Primary Bank primarybanknh.comFDIC 59086 · Bedford, New Hampshire 61 No 32
Sage Capital Bank, sagecapitalbank.comblockedFDIC 25621 · Gonzales, Texas; not measured: HTTP 403 (CloudFront) — No —
Midwest Heritage Bank, FSB midwestheritage.comFDIC 4432 · West Des Moines, Iowa 57 Gated 32
Liberty Capital Bank libertycapital.bankFDIC 58852 · Addison, Texas 33 Gated 1
West Plains Bank and Trust Company westplainsbank.comFDIC 15489 · West Plains, Missouri 54 No 32
Credit Union of Georgia cuofga.orgNCUA 68571 · Woodstock, GA 71 No 32
Team One teamonecu.orgNCUA 62141 · Saginaw, MI 61 No 32
Coosa Valley mycvcu.orgNCUA 68683 · Rome, GA 71 No 32
University of Illinois Community uoficreditunion.orgNCUA 60583 · Champaign, IL 69 No 32
OPTUS Bank optus.bankFDIC 35241 · Columbia, South Carolina 51 Gated 31
Freedom freedom.coopNCUA 66824 · Springfield, MA 57 Gated 32
Profed profedcu.orgNCUA 17012 · Fort Wayne, IN 50 Gated 32
Carter cartercu.orgNCUA 9164 · Springhill, LA 41 No 32
Commerce Bank ibc.comFDIC 23772 · Laredo, Texas 58 Gated 32
BAC Community Bank bankbac.comFDIC 19434 · Stockton, California 62 No 32
First State Bank bankfsb.comFDIC 15206 · Athens, Texas 48 Gated 32
Oklahoma Central oklahomacentral.orgNCUA 62322 · Tulsa, OK 61 No 1
CPM cpmfed.comNCUA 21971 · North Charlesto, SC 53 No 31
Green Belt Bank & Trust greenbeltbank.comFDIC 26760 · Iowa Falls, Iowa 65 No 1
Alliance Bank alliancebanks.comblockedFDIC 10973 · Lake City, Minnesota; not measured: HTTP 403 — No —
Eaglemark Savings Bank no website on recordFDIC 34313 · Reno, Nevada; no web address reported to the FDIC — No —

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