US Banks and Credit Unions
banks-credit-unions
Every active FDIC-insured bank and federally insured credit union, largest by total assets first.
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)) |
|---|---|
| License | Works of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105). |
| How we filtered it | Active 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. |
| Built | 2026-10-11 |
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
| Grade | Share of the cohort | Sites | Share |
|---|---|---|---|
| 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.
| Dimension | Mean 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
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-12 | Do you tell search engines the moment a page changes? | 7198 | 0 | |
| EXT-14 | Does your site offer its actions to AI browsers as tools? | 6856 | 0 | |
| EXT-16 | Do you publish a card or a skills list for the agents you run? | 7198 | 0 | |
| EXT-17 | Do you list your agents in your domain's DNS records? | 7060 | 0 |
Near-universal — 95% and above
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-11 | Have you marked the part of a page that answers a spoken question? | 7198 | 0 | |
| EXT-7 | If you run real question-and-answer pages, are they marked as such? | 326 | 0 | |
| PST-2 | Have you posted a Content Signals statement about what AI may do with your content? | 7198 | 0 | |
| EXT-18 | Do you tell AI shoppers how they can pay? | 516 | 0 | |
| RED-12 | If a machine asks for Markdown, does your site give it? | 7198 | 2 | |
| EXT-2 | Do you list your APIs and agent tools where agents look for them? | 603 | 0 | |
| RED-10 | Do you offer a plain-text (Markdown) copy of your pages? | 5669 | 2 | |
| UND-1 | Does your site say clearly who you are? | 7198 | 2 | |
| UND-5 | Does the author label in your page code point to that person? | 5095 | 1 | |
| RED-5 | Do your PDFs and images have their own rules for search and quoting? | 5472 | 1 | |
| EXT-1 | Do you publish an llms.txt file for coding assistants? | 7198 | 0 |
Common — 90 to 95%
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| RED-11 | Does each page tell machines where its Markdown copy is? | 59 | 1 | |
| UND-2 | Does your site use the page labels that search engines still read for what you publish? | 7197 | 3 | |
| PST-4 | Have you reserved your text and data mining rights in a form machines can read? | 7198 | 0 | |
| EXT-13 | Can an assistant ask your site a question directly? | 7198 | 0 | |
| EXT-4 | Can an AI assistant connect to your site as a tool? | 7198 | 0 | |
| UND-3 | Do the prices and availability in your page code match what the page shows? | 516 | 3 | |
| UND-10 | Does your page code link to your official profiles elsewhere? | 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 101–200 of 8,519 · page 2 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Mountain America macu.comNCUA 24692 · Sandy, UT | 50 | No | 1 | |
| TowneBank townebank.comFDIC 35095 · Portsmouth, Virginia | 41 | No | 1 | |
| Wilmington Savings Fund Society, FSB wsfsbank.comFDIC 17838 · Wilmington, Delaware | 63 | No | 32 | |
| State Bank of India no website on recordFDIC 33682 · New York, New York; no web address reported to the FDIC | — | No | — | |
| First Financial Bank bankatfirst.comblockedFDIC 6600 · Cincinnati, Ohio; not measured: HTTP 403 (Akamai) | — | No | — | |
| Beacon Bank and Trust beaconbank.comblockedFDIC 17798 · Boston, Massachusetts; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| The Golden 1 golden1.comNCUA 61650 · Sacramento, CA | 33 | Gated | 1 | |
| Optum Bank, Inc. optumbank.comFDIC 57408 · Draper, Utah | 47 | No | 32 | |
| Seacoast National Bank seacoastbank.comFDIC 131 · Stuart, Florida | 60 | No | 32 | |
| First Merchants Bank firstmerchants.comblockedFDIC 4365 · Muncie, Indiana; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Mechanics Bank mechanicsbank.comFDIC 1768 · Walnut Creek, California | 53 | Gated | 32 | |
| Citizens Business Bank, National Association cbbank.comFDIC 21716 · Ontario, California | 72 | No | 32 | |
| Merchants Bank of Indiana bankmerchants.comFDIC 8056 · Carmel, Indiana | 58 | Gated | 32 | |
| Suncoast suncoast.comblockedNCUA 68645 · Tampa, FL; not measured: HTTP 403 | — | No | — | |
| The Central Trust Bank centralbank.netFDIC 12633 · Jefferson City, Missouri | 59 | No | 32 | |
| Alliant alliantcreditunion.orgblockedNCUA 67955 · Chicago, IL; not measured: HTTP 403 | — | No | — | |
| Apple Bank applebank.comblockedFDIC 16068 · New York, New York; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Stifel Bank and Trust stifelbank.comFDIC 57311 · Saint Louis, Missouri | 69 | No | 1 | |
| Randolph-Brooks rbfcu.orgNCUA 8111 · Universal City, TX | 64 | No | 32 | |
| Wings ent.comNCUA 68671 · Colorado Spring, CO | 56 | No | 32 | |
| FirstBank Puerto Rico 1firstbank.comFDIC 30387 · Santurce, Puerto Rico | 58 | No | 32 | |
| Trustmark Bank trustmark.comFDIC 4988 · Jackson, Mississippi | 52 | No | 32 | |
| Bank of Hope bankofhope.comFDIC 26610 · Los Angeles, California | 53 | Gated | 32 | |
| ServisFirst Bank servisfirstbank.comFDIC 57993 · Birmingham, Alabama | 53 | No | 27 | |
| Busey Bank busey.comFDIC 16450 · Champaign, Illinois | 51 | No | 32 | |
| Third Federal Savings and Loan Association of Cleveland thirdfederal.comFDIC 30012 · Cleveland, Ohio | 41 | No | 1 | |
| Community Bank, National Association cbna.comFDIC 6989 · Canton, New York | 63 | No | 32 | |
| Enterprise Bank & Trust enterprisebank.comFDIC 27237 · Clayton, Missouri | 56 | No | 32 | |
| Lake Michigan lmcu.orgblockedNCUA 62514 · Grand Rapids, MI; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Northwest Bank northwest.comFDIC 28178 · Warren, Pennsylvania | 68 | No | 1 | |
| Toyota Financial Savings Bank toyotabank.comFDIC 57542 · Henderson, Nevada | 63 | No | 19 | |
| FirstBank firstbankonline.comFDIC 8663 · Nashville, Tennessee | 64 | No | 32 | |
| First United Bank and Trust Company firstunitedbank.comblockedFDIC 4239 · Durant, Oklahoma; not measured: HTTP 403 | — | No | — | |
| Banner Bank bannerbank.comFDIC 28489 · Walla Walla, Washington | 61 | No | 32 | |
| Bank of Baroda no website on recordFDIC 33681 · New York, New York; no web address reported to the FDIC | — | No | — | |
| NBT Bank, National Association nbtbank.comblockedFDIC 7230 · Norwich, New York; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Live Oak Banking Company liveoak.bankFDIC 58665 · Wilmington, North Carolina | 58 | No | 32 | |
| Safra National Bank of New York safra.comFDIC 26876 · New York, New York | 67 | No | 27 | |
| Sunflower Bank, National Association sunflowerbank.comblockedFDIC 4767 · Dallas, Texas; not measured: HTTP 403 | — | No | — | |
| Idaho Central iccu.comNCUA 63194 · Chubbuck, ID | 65 | No | 32 | |
| Nicolet National Bank nicoletbank.comFDIC 57038 · Green Bay, Wisconsin | 54 | Gated | 32 | |
| First Financial Bank ffin.comblockedFDIC 3066 · Abilene, Texas; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Bell Bank bell.bankFDIC 19581 · Fargo, North Dakota | 66 | No | 32 | |
| Dime Commercial Bank dime.comFDIC 6976 · Hauppauge, New York | 49 | No | 32 | |
| Popular Bank popularbank.comFDIC 34967 · New York, New York | 51 | Gated | 32 | |
| Bank of America California, National Association bankofamerica.comFDIC 25178 · San Francisco, California | 44 | No | 30 | |
| Stifel Bank stifelbankstl.comFDIC 57358 · Saint Louis, Missouri | 69 | No | 1 | |
| Fourleaf fourleaffcu.comNCUA 4735 · Bethpage, NY | 62 | No | 32 | |
| ConnectOne Bank connectonebank.comFDIC 57919 · Englewood Cliffs, New Jersey | 46 | Gated | 32 | |
| Israel Discount Bank of New York idbny.comblockedFDIC 19977 · New York, New York; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Security Service ssfcu.orgNCUA 11065 · San Antonio, TX | 39 | Gated | 32 | |
| Vystar vystarcu.orgNCUA 68490 · Jacksonville, FL | 52 | Gated | 32 | |
| NexBank nexbank.comFDIC 29209 · Dallas, Texas | 46 | Gated | 20 | |
| Comenity Capital Bank savings.breadfinancial.comblockedFDIC 57570 · Draper, Utah; not measured: challenge page (Imperva) | — | No | — | |
| BMW Bank of North America bmwusa.comFDIC 35141 · Salt Lake City, Utah | 48 | No | 1 | |
| First Bank localfirstbank.comblockedFDIC 15019 · Southern Pines, North Carolina; not measured: HTTP 403 | — | No | — | |
| Global globalcu.orgNCUA 5913 · Anchorage, AK | 51 | Gated | 32 | |
| BancFirst bancfirst.bankFDIC 27476 · Oklahoma City, Oklahoma | 59 | No | 32 | |
| Dollar Bank, Federal Savings Bank dollar.bankFDIC 32245 · Pittsburgh, Pennsylvania | 45 | Gated | 32 | |
| PlainsCapital Bank plainscapital.comFDIC 17491 · University Park, Texas | 61 | No | 32 | |
| The Park National Bank parknationalbank.comFDIC 6653 · Newark, Ohio | 61 | Gated | 32 | |
| NBH Bank nbhbank.comFDIC 59052 · Greenwood Village, Colorado | 61 | No | 32 | |
| Happen Bank, National Association happen.comFDIC 32551 · Lehi, Utah | 55 | No | 32 | |
| First Commonwealth Bank fcbanking.comFDIC 7468 · Indiana, Pennsylvania | 57 | No | 32 | |
| Columbia Bank columbiabankonline.comFDIC 28834 · Fair Lawn, New Jersey | 61 | No | 32 | |
| Oriental Bank orientalbank.comFDIC 31469 · San Juan, Puerto Rico | 35 | Gated | 32 | |
| Farmers and Merchants Bank of Long Beach fmb.comFDIC 1225 · Long Beach, California | 54 | No | 32 | |
| Beal Bank USA bealbankusa.comFDIC 57833 · Las Vegas, Nevada | 52 | No | 1 | |
| Bank Hapoalim B.M. no website on recordFDIC 33686 · New York, New York; no web address reported to the FDIC | — | No | — | |
| Burke & Herbert Bank & Trust Company burkeandherbertbank.comFDIC 11578 · Alexandria, Virginia | 58 | Gated | 32 | |
| Greenstate greenstate.orgblockedNCUA 60269 · North Liberty, IA; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| ESL esl.orgNCUA 24563 · Rochester, NY | 42 | No | 32 | |
| WEX Bank wexinc.comFDIC 34697 · Sandy, Utah | 61 | Gated | 32 | |
| Redwood redwoodcu.orgNCUA 60793 · Santa Rosa, CA | 66 | No | 32 | |
| United Nations unfcu.orgNCUA 5588 · Long Island Cit, NY | 65 | No | 32 | |
| Washington Trust Bank watrust.comFDIC 1281 · Spokane, Washington | 60 | No | 32 | |
| Charles Schwab Trust Bank no website on recordFDIC 59108 · Westlake, Texas; no web address reported to the FDIC | — | No | — | |
| Centier Bank centier.comFDIC 12854 · Whiting, Indiana | 60 | No | 5 | |
| Amarillo National Bank anb.comFDIC 14531 · Amarillo, Texas | 51 | No | 32 | |
| Stock Yards Bank & Trust Company syb.comblockedFDIC 258 · Louisville, Kentucky; not measured: HTTP 403 | — | No | — | |
| Amerant Bank, National Association amerantbank.comFDIC 22953 · Coral Gables, Florida | 53 | No | 32 | |
| Police & Fire pffcu.orgNCUA 2551 · Philadelphia, PA | 41 | No | 1 | |
| International Bank of Commerce ibc.comFDIC 19629 · Laredo, Texas | 58 | Gated | 32 | |
| Origin Bank origin.bankFDIC 12614 · Choudrant, Louisiana | 56 | Gated | 32 | |
| Eastman ecu.orgblockedNCUA 68095 · Kingsport, TN; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| S&T Bank stbank.comFDIC 11124 · Indiana, Pennsylvania | 57 | No | 32 | |
| Tri Counties Bank tcbk.comFDIC 21943 · Chico, California | 58 | No | 32 | |
| Teachers teachersfcu.orgNCUA 8116 · Smithtown, NY | 59 | No | 32 | |
| Byline Bank bylinebank.comFDIC 20624 · Chicago, Illinois | 65 | No | 32 | |
| Desert Financial desertfinancial.comNCUA 68713 · Phoenix, AZ | 48 | Gated | 32 | |
| Principal Bank principal.comblockedFDIC 34507 · Des Moines, Iowa; the reported address pointed at a page, the site root is scanned; not measured: HTTP 403 | — | No | — | |
| Midflorida midflorida.comNCUA 68600 · Lakeland, FL | 62 | No | 32 | |
| Patelco patelco.orgNCUA 68579 · Dublin, CA | 66 | No | 32 | |
| Star One starone.orgNCUA 68465 · Sunnyvale, CA | 57 | No | 32 | |
| Logix logixbanking.comblockedNCUA 1999 · Valencia, CA; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Capitol Federal Savings Bank capfed.comblockedFDIC 27981 · Topeka, Kansas; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Pennsylvania State Employees psecu.comNCUA 64131 · Harrisburg, PA | 51 | No | 32 | |
| EagleBank eaglebankcorp.comFDIC 34742 · Bethesda, Maryland | 46 | Gated | 32 | |
| RBC Bank, (Georgia) National Association rbcbank.comFDIC 26342 · Atlanta, Georgia | 59 | No | 32 | |
| Wintrust Bank, National Association wintrustbank.comblockedFDIC 33935 · Chicago, Illinois; not measured: HTTP 406 | — | 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