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 1,901–2,000 of 8,519 · page 20 of 86

SiteScore GatedPages read Report
First National Community Bank fncbank.comblockedFDIC 22092 · Chatsworth, Georgia; not measured: HTTP 403 — No —
Dakotaland dakotalandfcu.comNCUA 167 · Huron, SD 59 No 32
United Valley Bank uvbank.netFDIC 15478 · Cavalier, North Dakota 51 Gated 31
Fortifi Bank fortifibank.comFDIC 5286 · Berlin, Wisconsin 38 Gated 32
Granite State gscu.orgblockedNCUA 63272 · Manchester, NH; not measured: HTTP 403 (Cloudflare) — No —
R.I.A. riafcu.comNCUA 17117 · Rock Island, IL 52 No 32
The First Financial ffcu.orgNCUA 24875 · Pasadena, CA 61 No 32
The Genoa Banking Company genoabank.comFDIC 2285 · Genoa, Ohio 60 No 32
Town & Country Bank tcbanks.comblockedFDIC 13071 · Salem, Missouri; not measured: HTTP 403 — No —
GFA gfafcu.comNCUA 24279 · Gardner, MA 61 No 32
Clinton Savings Bank clintonsavings.comFDIC 90181 · Clinton, Massachusetts 61 No 32
Bank of Prairie du Sac bankpds.comFDIC 14660 · Prairie Du Sac, Wisconsin 28 Gated 1
Oconee State Bank oconeestatebank.comFDIC 18143 · Watkinsville, Georgia 52 No 32
Pioneer pioneerfcu.orgNCUA 9247 · Mountain Home, ID 50 No 32
The National Capital Bank of Washington nationalcapitalbank.bankFDIC 2093 · Washington, District Of Columbia 53 Gated 32
USC usccreditunion.orgNCUA 68459 · Los Angeles, CA 70 No 32
First Bank firstiowa.bankFDIC 4519 · Waverly, Iowa 61 No 32
Commencement Bank commencementbank.comFDIC 58446 · Tacoma, Washington 70 No 32
Department of Commerce docfcu.orgNCUA 16410 · Washington, DC 48 No 1
Platinum Bank platinumbankmn.comFDIC 58511 · Oakdale, Minnesota 62 No 32
FM Bank mybankfm.comFDIC 10998 · Waseca, Minnesota 29 Gated 1
Lea County State Bank onlinelcsb.comFDIC 12259 · Hobbs, New Mexico 56 No 32
Manufacturers Bank & Trust Company mbtbank.bankFDIC 16307 · Forest City, Iowa 63 No 32
Kleberg Bank, N.A. klebergbank.comFDIC 3286 · Kingsville, Texas 55 No 32
The Peoples State Bank of Newton, Illinois psbnewton.comblockedFDIC 11722 · Newton, Illinois; not measured: HTTP 403 — No —
Midwest Bank mbwi.comblockedFDIC 3711 · Monmouth, Illinois; not measured: HTTP 403 (Akamai) — No —
First Neighbor Bank, National Association firstneighbor.comFDIC 3747 · Toledo, Illinois 48 No 1
Lake Shore Bank mylsbank.comFDIC 30530 · Dunkirk, New York 54 Gated 32
Chippewa Valley Bank chippewavalleybank.comFDIC 12322 · Hayward, Wisconsin 62 No 32
Primeway primewayfcu.comNCUA 2131 · Houston, TX 55 No 32
Tapco tapcocu.orgNCUA 68298 · Fircrest, WA 58 No 32
Peoples Community Bank peoplescommunitybank.comFDIC 22394 · Greenville, Missouri 61 No 32
Fnb South fnbsouth.netblockedFDIC 17011 · Alma, Georgia; not measured: HTTP 403 — No —
Woodtrust Bank woodtrust.comFDIC 5335 · Wisconsin Rapids, Wisconsin 48 No 1
Generations Community mygenfcu.orgNCUA 4015 · San Antonio, TX 56 No 32
Arizona Central azcentralcu.orgNCUA 62881 · Phoenix, AZ 64 No 32
HomeBank myhomebank.bankblockedFDIC 14492 · Palmyra, Missouri; not measured: HTTP 403 — No —
First Midwest Bank of the Ozarks onemidwest.comFDIC 19212 · Poplar Bluff, Missouri 49 No 32
Countybank ecountybank.comFDIC 9155 · Greenwood, South Carolina 64 No 32
Axiom Bank, National Association axiombanking.comFDIC 31390 · Maitland, Florida 50 No 32
BMI bmifcu.orgNCUA 1199 · Dublin, OH 41 Gated 32
Longview Bank longviewbank.comblockedFDIC 1786 · Ogden, Illinois; not measured: HTTP 403 — No —
Dover doverfcu.comblockedNCUA 12443 · Dover, DE; not measured: HTTP 403 (Cloudflare) — No —
Mass. Institute of Tech. mitfcu.orgNCUA 3830 · Lexington, MA 58 Gated 32
Meridian Trust mymeridiantrust.comNCUA 9160 · Cheyenne, WY 58 No 31
Superior Choice superiorchoice.comNCUA 67173 · Superior, WI 61 No 32
Dairy State Bank dairystatebank.comFDIC 17162 · Rice Lake, Wisconsin 54 No 13
Cornerstone Community ccfcu.orgNCUA 11723 · Lockport, NY 61 No 32
The Queenstown Bank of Maryland wwww.queenstownbank.comFDIC 8816 · Queenstown, Maryland 33 Gated 1
Quincy qcu.orgblockedNCUA 67709 · Quincy, MA; not measured: HTTP 403 (Cloudflare) — No —
Grandview Bank grandviewbank.comFDIC 3230 · Grandview, Texas 58 No 32
The Malvern National Bank mnbbank.comFDIC 14644 · Malvern, Arkansas 55 No 32
Legacy Community legacycreditunion.comNCUA 24421 · Birmingham, AL 61 No 32
Texas Gulf Bank, National Association texasgulfbank.comFDIC 3206 · Houston, Texas 50 No 32
Heartland hcu.coopNCUA 62031 · Hutchinson, KS 59 Gated 32
Northwestern Bank northwesternbank.comFDIC 2468 · Chippewa Falls, Wisconsin 44 Gated 31
APL aplfcu.orgNCUA 9475 · Laurel, MD 60 No 32
Bank of Luxemburg bankofluxemburg.comFDIC 13264 · Luxemburg, Wisconsin 64 No 32
AMG National Trust Bank amgnational.comFDIC 57295 · Boulder, Colorado 57 No 1
The Bradford National Bank of Greenville bradfordbank.comFDIC 3799 · Greenville, Illinois 40 Gated 19
The First National Bank of Sonora sonorabank.comFDIC 5531 · Sonora, Texas 60 No 32
Albank National Association albanybank.comFDIC 17230 · Chicago, Illinois 50 No 1
Members Choice mccu.comNCUA 67508 · Houston, TX 53 No 32
Prism Bank prism.bankFDIC 5994 · Guthrie, Oklahoma 34 Gated 32
The Eastern Colorado Bank yourfriendlybank.comunreachableFDIC 16125 · Cheyenne Wells, Colorado — No —
Sharefax sharefax.orgNCUA 61090 · Cincinnati, OH 62 No 32
Armco armcocu.comunreachableNCUA 65291 · Butler, PA — No —
Union State Bank myunionstate.bankFDIC 1869 · Arkansas City, Kansas 62 No 32
The Bank of Elk River thebankofelkriver.comFDIC 1607 · Elk River, Minnesota 61 No 32
First National Bank of Scotia firstscotia.comFDIC 11501 · Scotia, New York 48 No 1
Alliance Catholic allianceccu.comNCUA 61759 · Farmington Hill, MI 70 No 32
Artisans' Bank artisansbank.comFDIC 17123 · Wilmington, Delaware 57 No 32
Hickory Point Bank and Trust hickorypointbank.comFDIC 22874 · Decatur, Illinois 48 No 1
First Fidelity Bank ffb-sd.comFDIC 1122 · Burke, South Dakota 59 No 32
Uncle unclecu.orgNCUA 64482 · Livermore, CA 54 Gated 32
Prospect Bank bankprospect.comFDIC 3722 · Paris, Illinois 45 Gated 32
Radifi radificu.orgNCUA 340 · Jacksonville, FL 58 Gated 32
Greater Iowa gicu.orgNCUA 64203 · Ames, IA 43 No 32
Pilgrim Bank pilgrimbank.bankFDIC 16891 · Pittsburg, Texas 51 Gated 32
Northland Area northlandcu.comNCUA 11979 · Alpena, MI 49 Gated 32
First & Farmers National Bank, Inc. firstandfarmers.comblockedFDIC 2738 · Somerset, Kentucky; not measured: HTTP 403 — No —
First Choice America Community firstchoiceamericacu.orgunreachableNCUA 3264 · Weirton, WV — No —
Florida Capital Bank, National Association flcb.comFDIC 26323 · Jacksonville, Florida 55 No 1
Grand Bank grandbank.comFDIC 22065 · Tulsa, Oklahoma 56 No 32
Time Bank time.bankFDIC 34038 · Park Ridge, Illinois 46 No 32
Pioneer Trust Bank, National Association pioneertrustbank.comFDIC 19827 · Salem, Oregon 46 No 32
Union Bank gounion.bankFDIC 14597 · Mena, Arkansas 61 No 32
M C Bank & Trust Company mcbt.comFDIC 17388 · Morgan City, Louisiana 71 No 32
America's Credit Union, A youracu.orgNCUA 9373 · Dupont, WA 28 Gated 1
Eagle Bank bankeagle.comFDIC 90191 · Everett, Massachusetts 56 No 32
First Citizens' firstcitizens.orgNCUA 24254 · Fairhaven, MA 57 No 32
Mypoint mypointcu.comNCUA 68377 · San Diego, CA 61 No 32
Resound resoundcu.orgNCUA 67972 · Nashville, TN 52 No 32
Putnam County Bank pcbwv.bankblockedFDIC 15243 · Hurricane, West Virginia; not measured: HTTP 403 — No —
First Bank firstbankweb.comFDIC 3121 · Burkburnett, Texas 47 Gated 32
Umassfive College umassfive.coopNCUA 18181 · Hadley, MA 61 No 32
Mainstreet mainstreetcu.orgNCUA 24858 · Lenexa, KS 63 No 32
Lokahi lokahifcu.comNCUA 1733 · Honolulu, HI 59 No 32
Arbor Bank arborbanking.comFDIC 33450 · Nebraska City, Nebraska 28 Gated 1
Spero Financial spero.financialNCUA 361 · Greenville, SC 68 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