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))
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	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 4 checks

Test	What it asks	Failing	Of
EXT-12	Do you tell search engines the moment a page changes?	100.0%	7198
EXT-14	Does your site offer its actions to AI browsers as tools?	100.0%	6856
EXT-16	Do you publish a card or a skills list for the agents you run?	100.0%	7198
EXT-17	Do you list your agents in your domain's DNS records?	100.0%	7060

Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more

Test	What it asks	Failing	Of	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

Test	What it asks	Failing	Of	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 2,001–2,100 of 8,519 · page 21 of 86

Site	Score	Gated	Pages read
The Citizens National Bank of Somerset cnbsomerset.comFDIC 2725 · Somerset, Kentucky	57	No	32
Copper State copperstatecu.orgNCUA 68502 · Phoenix, AZ	69	No	32
We Florida Financial wefloridafinancial.comNCUA 61525 · Fort Lauderdale, FL	64	No	32
Northern mynorthern.comNCUA 24989 · Watertown, NY	50	Gated	32
County Bank countybankdel.comblockedFDIC 33009 · Rehoboth Beach, Delaware; not measured: HTTP 403 (CloudFront)	—	No	—
Innovations Financial innovationsfcu.orgNCUA 68732 · Panama City, FL	63	No	25
Bank of Ocean City bankofoceancity.comFDIC 5867 · Ocean City, Maryland	47	Gated	32
First Community Bank of Central Alabama fcbca.comFDIC 57124 · Wetumpka, Alabama	55	No	21
BankNorth banknorth.bankFDIC 8387 · Arthur, North Dakota	58	No	32
Southwest Bank southwest.bankFDIC 16652 · Odessa, Texas	48	No	1
Envista envistacu.comNCUA 24945 · Topeka, KS	55	No	32
Freedom Northwest fnwcu.orgNCUA 65722 · Kamiah, ID	64	No	32
Baker-Boyer National Bank bakerboyer.comFDIC 2987 · Walla Walla, Washington	65	No	32
HomeTown Bank myht.bankFDIC 31028 · Carver, Minnesota	65	No	32
Citizens National Bank cnbanktexas.comFDIC 3127 · Cameron, Texas	56	No	32
Premier Bank Minnesota premierbanks.comFDIC 33204 · Hastings, Minnesota	57	No	32
American Nation Bank bankanb.comFDIC 24472 · Ardmore, Oklahoma	59	No	32
TruPoint Bank trupointbank.comFDIC 21883 · Grundy, Virginia	60	No	32
Citizens Bank citizens-banking.comblockedFDIC 9647 · Mooresville, Indiana; not measured: HTTP 403	—	No	—
Abilene Teachers abileneteachersfcu.orgNCUA 6743 · Abilene, TX	72	No	32
Capital Bank capitalbanktx.comFDIC 19401 · Jacinto City, Texas	57	No	32
Fort Bragg fortbraggfcu.orgNCUA 13690 · Fayetteville, NC	55	Gated	32
First State Bank of Livingston fsblivingston.bankFDIC 15898 · Livingston, Texas	66	No	32
BankOrion bankorion.comFDIC 11739 · Orion, Illinois	55	No	32
Yampa Valley Bank yampavalleybank.comFDIC 35407 · Steamboat Springs, Colorado	33	Gated	26
First National Bank and Trust Company of Ardmore 1nb.bankblockedFDIC 4037 · Ardmore, Oklahoma; not measured: HTTP 403 (CloudFront)	—	No	—
First Federal Savings Bank firstfederalbanking.comFDIC 31516 · Rochester, Indiana	33	Gated	1
Legacy Bank legacybank.comFDIC 4042 · Hinton, Oklahoma	64	No	29
Jeff Bank, National Association jeff.bankFDIC 7123 · Jeffersonville, New York	48	No	1
Asian Bank theasianbank.comblockedFDIC 34759 · Philadelphia, Pennsylvania; not measured: HTTP 403	—	No	—
Geddes Federal Savings and Loan Association geddesfederal.comFDIC 30397 · Syracuse, New York	56	No	31
MidAmerica National Bank midnatbank.comFDIC 3612 · Canton, Illinois	45	No	32
FirstBank firstbank-ok.comFDIC 14331 · Antlers, Oklahoma	33	Gated	1
Finance Factors, Ltd. financefactors.comFDIC 25158 · Honolulu, Hawaii	52	Gated	31
InFirst Bank infirstbank.bankblockedFDIC 27763 · Indiana, Pennsylvania; not measured: HTTP 403	—	No	—
Constitution Bank, National Association constitutionbank.comFDIC 16276 · Hillsboro, Illinois	48	No	1
The Community Bank thecombank.comFDIC 5981 · Zanesville, Ohio	60	No	32
Oconee Federal Savings and Loan Association oconeefederal.comFDIC 30111 · Seneca, South Carolina	48	No	1
First Southern Bank firstsouthern.comblockedFDIC 29332 · Florence, Alabama; not measured: HTTP 403	—	No	—
First Federal Savings and Loan Association of McMinnville firstfedweb.comFDIC 29624 · Mcminnville, Oregon	28	Gated	1
Henderson State Bank hendersonstate.bankFDIC 17229 · Henderson, Nebraska	28	Gated	1
Farmers Bank farmersbankidaho.comFDIC 2850 · Buhl, Idaho	63	No	32
Apci apcifcu.orgNCUA 9607 · Lehigh Valley, PA	54	Gated	32
The Stephenson National Bank and Trust snbt.comFDIC 5306 · Marinette, Wisconsin	41	Gated	32
The Hardin County Bank hardincountybank.bankFDIC 20993 · Savannah, Tennessee	55	No	32
O Bee obee.comNCUA 60059 · Lacey, WA	28	Gated	1
Coreplus coreplus.orgNCUA 1148 · Norwich, CT	63	No	1
SUN sunfederalcu.orgNCUA 7064 · Maumee, OH	60	No	32
Springs Valley Bank & Trust Company svbt.bankFDIC 4419 · French Lick, Indiana	33	Gated	1
Apple River State Bank appleriverstatebank.comFDIC 17453 · Apple River, Illinois	58	No	30
Bellwether Community bccu.orgNCUA 60747 · Manchester, NH	76	No	32
PS Bank psbanking.comFDIC 444 · Wyalusing, Pennsylvania	55	Gated	32
First State Bank fsbwc.comFDIC 15321 · Webster City, Iowa	51	No	32
New Tripoli Bank newtripolibank.netFDIC 7659 · New Tripoli, Pennsylvania	54	Gated	32
Thumb Bank and Trust thumb.bankFDIC 14513 · Pigeon, Michigan	36	Gated	32
The Bank of Southside Virginia bsvnet.comFDIC 11580 · Carson, Virginia	48	No	1
Citizens Bank of Kentucky, Inc. wercitizens.bankblockedFDIC 2718 · Paintsville, Kentucky; not measured: HTTP 403	—	No	—
TXN Bank txn.bankFDIC 15345 · Hondo, Texas	48	No	1
Altana altanafcu.orgNCUA 6275 · Billings, MT	48	No	1
First State Bank of Blakely fsbanks.comFDIC 15496 · Blakely, Georgia	57	No	32
Pennian Bank pennian.bankFDIC 7613 · Mifflintown, Pennsylvania	46	Gated	32
Community State Bank csb.bankFDIC 9536 · Union Grove, Wisconsin	33	Gated	1
Bank of Odessa bankofodessa.comblockedFDIC 9803 · Odessa, Missouri; not measured: HTTP 403 (Akamai)	—	No	—
Concordia Bank & Trust Company concordiabank.comFDIC 8527 · Vidalia, Louisiana	60	No	1
Heartland heartlandcu.orgNCUA 66710 · Madison, WI	65	Gated	32
The Poca Valley Bank, Inc. pocavalleybank.comFDIC 11952 · Walton, West Virginia	28	Gated	1
First Peoples Community firstpeoples.comNCUA 13345 · Cumberland, MD	61	No	32
Metairie Bank & Trust Company metairiebank.comFDIC 16539 · Metairie, Louisiana	61	Gated	32
Rio Grande riograndecu.orgNCUA 62573 · Albuquerque, NM	28	Gated	1
United Community Bank ucbanking.comFDIC 19143 · Raceland, Louisiana	70	No	32
First State Bank fsbmybank.comFDIC 13632 · Russellville, Arkansas	55	No	32
Kinetic kineticcu.comblockedNCUA 10866 · Columbus, GA; not measured: HTTP 403	—	No	—
First Community Bank fcbot.comFDIC 24353 · Corpus Christi, Texas	52	No	32
Four Corners Community Bank thebankforme.comblockedFDIC 35441 · Farmington, New Mexico; not measured: HTTP 403	—	No	—
Washington County Bank washingtoncountybank.comFDIC 12241 · Blair, Nebraska	56	No	3
AbbyBank abbybank.comFDIC 19795 · Abbotsford, Wisconsin	51	No	32
Carroll Bank and Trust carrollbank.comFDIC 2380 · Huntingdon, Tennessee	55	No	32
Omni Community omnicommunitycu.orgNCUA 60105 · Battle Creek, MI	46	No	1
CCB Community Bank bankccb.comFDIC 16595 · Andalusia, Alabama	70	No	32
The Bank of Bennington thebankofbennington.comFDIC 30350 · Bennington, Vermont	46	Gated	32
American 1 american1cu.orgNCUA 65595 · Jackson, MI	49	Gated	32
The Hometown Bank of Alabama hometownbankalabama.comblockedFDIC 57540 · Oneonta, Alabama; not measured: HTTP 403 (Akamai)	—	No	—
Consumer consumercreditunion.comNCUA 60056 · Greeneville, TN	51	No	32
Bruning Bank bruningbank.comFDIC 18748 · Bruning, Nebraska	64	No	32
South Louisiana Bank ayeee.comblockedFDIC 23144 · Houma, Louisiana; not measured: HTTP 403	—	No	—
Wellington State Bank wellingtonsb.bankFDIC 1219 · Wellington, Texas	33	Gated	1
First State Bank and Trust Company, Inc. fsbtrust.comFDIC 14185 · Caruthersville, Missouri	69	No	32
Financial Resources myfinancialresources.orgNCUA 6665 · Branchburg, NJ	38	No	1
GBC International Bank gbcib.comFDIC 22366 · Los Angeles, California	60	No	32
Wasatch Peaks wasatchpeaks.comNCUA 24780 · Ogden, UT	66	No	32
Bank of Oak Ridge bankofoakridge.comFDIC 35365 · Oak Ridge, North Carolina	53	No	32
Carver Federal Savings Bank carverbank.comFDIC 30394 · New York, New York	62	No	32
Homeland Federal Savings Bank homelandbank.comFDIC 32459 · Columbia, Louisiana	63	No	23
First Southwest Bank fswb.bankFDIC 57741 · Durango, Colorado	58	No	32
Classic Bank, National Association classic.bankFDIC 3126 · Cameron, Texas	61	No	32
First Hope Bank, A National Banking Association firsthope.bankFDIC 6354 · Hope, New Jersey	57	No	32
Peoples Bank & Trust bankpbt.comFDIC 17320 · Pana, Illinois	28	Gated	1
West Community westcommunitycu.orgNCUA 62801 · O Fallon, MO	65	No	32
Premier One premieronecu.orgNCUA 68540 · San Jose, CA	48	No	1
Worthington Bank worthington.bankFDIC 57414 · Arlington, Texas	48	No	1

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