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 2,101–2,200 of 8,519 · page 22 of 86

SiteScore GatedPages read Report
Middlesex Federal Savings, F.A. middlesexfederal.comFDIC 28368 · Somerville, Massachusetts 55 No 22
Midstates Bank, National Association midstatesbank.comFDIC 4465 · Council Bluffs, Iowa 59 No 32
Pacific Valley Bank pacificvalleybank.comFDIC 57740 · Salinas, California 48 No 1
Security securitycu.orgNCUA 61159 · Grand Blanc, MI 47 Gated 32
Citizens State Bank citstatebank.comFDIC 5495 · Wisner, Nebraska 32 Gated 2
First Midwest Bank of Dexter fmbdexter.unifi-digitalbanking.comFDIC 19001 · Dexter, Missouri 33 Gated 1
The Milford Bank milfordbank.comFDIC 16101 · Milford, Connecticut 46 No 1
First National Bank of Gillette fnbgillette.comFDIC 18880 · Gillette, Wyoming 33 Gated 1
BankVista bankvista.comFDIC 35406 · Sartell, Minnesota 56 No 32
Align aligncu.comNCUA 66365 · Lowell, MA 48 No 1
Farmers & Merchants Bank of Colby fmbcolby.comFDIC 34719 · Colby, Kansas 62 No 31
Stockmens Bank thestockmensbank.comFDIC 8321 · Colorado Springs, Colorado 51 No 13
Northeast Georgia Bank northeastgabank.comFDIC 15771 · Lavonia, Georgia 74 No 1
First Eagle Bank febank.comFDIC 25883 · Chicago, Illinois 59 No 32
Clear Lake Bank and Trust Company clearlakebank.bankFDIC 15690 · Clear Lake, Iowa 64 No 32
Community Bank & Trust, Waco, Texas cbtwaco.bankblockedFDIC 17108 · Waco, Texas; not measured: HTTP 403 — No —
Reliance Savings Bank reliancebank.bankFDIC 30117 · Altoona, Pennsylvania 61 No 32
Outdoor Bank outdoorbank.comFDIC 17685 · Manhattan, Kansas 48 No 32
Modern Bank, National Association modernbank.comFDIC 22398 · New York, New York 51 Gated 15
Citizens State Bank of La Crosse citizensstatebank.usFDIC 1513 · La Crosse, Wisconsin 40 Gated 32
The Bank of Tescott bankoftescott.comFDIC 1868 · Tescott, Kansas 53 No 32
Phoenixville Federal Bank and Trust phoenixfed.comFDIC 29995 · Phoenixville, Pennsylvania 54 Gated 32
Beehive beehive.orgNCUA 13741 · Rexburg, ID 48 No 1
Dominion Bank dominionbanking.comFDIC 11934 · Dallas, Texas 64 No 18
Walpole Co-operative Bank walpolecoop.comFDIC 26487 · Walpole, Massachusetts 63 No 32
The First National Bank of Jeanerette yourfnb.comFDIC 4290 · Jeanerette, Louisiana 48 No 1
Metro Cu metrofcu.orgNCUA 7091 · Omaha, NE 51 No 32
Adventure adventurecu.orgblockedNCUA 60936 · Grand Rapids, MI; not measured: HTTP 403 (Cloudflare) — No —
Stillman BancCorp N.A. stillmanbank.comFDIC 9263 · Stillman Valley, Illinois 63 No 32
Evergreen egcu.orgNCUA 68038 · Portland, ME 52 No 32
Home Federal Bank hfb.bankFDIC 27654 · Shreveport, Louisiana 32 Gated 32
Partner Colorado partnercoloradocu.orgNCUA 62903 · Arvada, CO 69 No 32
Inova inovafederal.orgNCUA 4968 · Elkhart, IN 55 No 32
American State Bank & Trust Company of Williston asbt.bankFDIC 15444 · Williston, North Dakota 61 No 32
High Plains Bank highplainsbank.comFDIC 3017 · Flagler, Colorado 69 No 1
Legence Bank legencebank.comFDIC 10886 · Eldorado, Illinois 62 No 32
Mauch Chunk Trust Company mct.bankblockedFDIC 2359 · Jim Thorpe, Pennsylvania; not measured: HTTP 403 — No —
Greenville National Bank bankgnb.bankFDIC 13703 · Greenville, Ohio 61 No 32
Bank & Trust Company banktr.comFDIC 1047 · Litchfield, Illinois 65 No 28
Fedex Employees Credit Association fecca.comblockedNCUA 21751 · Memphis, TN; not measured: HTTP 403 (Cloudflare) — No —
Spring Bank spring.bankblockedFDIC 58668 · Bronx, New York; not measured: HTTP 403 (Cloudflare) — No —
Woodlands Bank woodlandsbank.comFDIC 33136 · Williamsport, Pennsylvania 57 No 32
TrustBank trustbank.netFDIC 14662 · Olney, Illinois 59 No 32
The State National Bank of Big Spring statenational.bankFDIC 3103 · Big Spring, Texas 64 No 1
First Bank of Owasso firstbank.netFDIC 18592 · Owasso, Oklahoma 61 No 1
Verimore Bank verimore.bankblockedFDIC 28930 · Brookfield, Missouri; not measured: HTTP 403 — No —
Tri-County Bank tri-countybank.bankFDIC 977 · Brown City, Michigan 50 No 32
Our Community ourcu.comNCUA 68609 · Shelton, WA 56 No 32
OneUnited Bank oneunited.comblockedFDIC 23966 · Boston, Massachusetts; not measured: HTTP 403 (Cloudflare) — No —
American State Bank asb.comFDIC 9967 · Arp, Texas 58 No 32
Johns Hopkins jhfcu.orgNCUA 20623 · Baltimore, MD 63 No 32
Haverhill Bank haverhillbank.comFDIC 26411 · Haverhill, Massachusetts 60 No 32
Legends Bank legendsbk.comFDIC 12616 · Linn, Missouri 53 Gated 32
Mt. McKinley Bank mtmckinleybank.comFDIC 19525 · Fairbanks, Alaska 56 No 32
Century Savings Bank centurysb.comFDIC 30428 · Vineland, New Jersey 48 No 1
First National Bank Colorado firstnationalbankcolorado.comblockedFDIC 3034 · Las Animas, Colorado; not measured: HTTP 403 — No —
Community First Bank cfbank.comFDIC 11595 · Boscobel, Wisconsin 31 Gated 1
The Bank of Marion bankofmarionva.comFDIC 9507 · Marion, Virginia 26 Gated 1
Coast360 coast360fcu.comNCUA 15222 · Maite, GU 54 Gated 32
First Independent Bank fibmn.comblockedFDIC 1900 · Russell, Minnesota; not measured: HTTP 403 — No —
Delta Bank deltabk.comFDIC 26564 · Vidalia, Louisiana 48 No 1
Quaint Oak Bank quaintoak.comFDIC 35497 · Southampton, Pennsylvania 56 Gated 32
First National Bank of Louisiana fnb-la.comFDIC 4288 · Crowley, Louisiana 61 No 32
American Bank americanbankmontana.comFDIC 20311 · Bozeman, Montana 52 No 32
BankTennessee banktennessee.comFDIC 29177 · Collierville, Tennessee 62 No 32
City citycu.orgNCUA 67669 · Dallas, TX 57 No 22
G.P.O. gpofcu.comNCUA 22931 · New Hartford, NY 54 No 32
First Bank, Upper Michigan first-bank.comblockedFDIC 14276 · Gladstone, Michigan; not measured: HTTP 403 — No —
Insight insightcreditunion.comNCUA 67344 · Winter Springs, FL 66 No 32
Marion County State Bank marioncountybank.comFDIC 15272 · Pella, Iowa 57 No 32
Community Bank of Pickens County cbopc.comFDIC 35513 · Jasper, Georgia 51 No 32
Fnbt Bank fnbt.comFDIC 17580 · Fort Walton Beach, Florida 53 No 32
CS Bank cs.bankFDIC 5635 · Eureka Springs, Arkansas 68 No 32
BlueHarbor Bank blueharborbank.comFDIC 58691 · Mooresville, North Carolina 28 Gated 1
Emblem emblemcu.comNCUA 67252 · Gadsden, AL 54 No 32
Slovenian Savings and Loan Association of Canonsburg sloveniansavingsandloan.comFDIC 27686 · Strabane, Pennsylvania 40 Gated 5
Exchange Bank & Trust ebt.bankFDIC 4619 · Atchison, Kansas 62 No 32
Co-Op coopcu.comNCUA 66983 · Black River Fal, WI 58 No 32
Scale Bank scale.bankFDIC 20268 · Edina, Minnesota 55 No 32
American Bank, National Association am.bankFDIC 23886 · Waco, Texas 54 No 32
Tioga State Bank National Association tiogabank.comblockedFDIC 9410 · Spencer, New York; not measured: HTTP 403 — No —
Southeastern Bank southeasternbank.comFDIC 5685 · Darien, Georgia 48 No 1
Commonwealth Central wealthcu.orgblockedNCUA 61741 · San Jose, CA; not measured: HTTP 403 — No —
Liberty National Bank libertynational.bankFDIC 57505 · Sioux City, Iowa 57 No 32
Homeland homelandcu.comNCUA 61089 · Chillicothe, OH 54 Gated 32
First Port City Bank firstportcity.comFDIC 21784 · Bainbridge, Georgia 48 No 1
South Story Bank & Trust southstorybank.comFDIC 17348 · Slater, Iowa 48 No 32
Sunrise Bank sunrise.bankFDIC 58029 · Orlando, Florida 57 No 32
The First National Bank of Carmi myfirst.bankFDIC 3777 · Carmi, Illinois 52 No 32
DeMotte State Bank netdsb.comFDIC 15883 · Demotte, Indiana 62 No 14
Floridacentral floridacentralcu.comNCUA 67668 · Tampa, FL 63 No 32
Embers embers.orgNCUA 62038 · Marquette, MI 58 No 32
Phelps County Bank mypcb.comFDIC 18841 · Rolla, Missouri 64 No 32
Evergreen Federal Bank evergreenfederal.bankFDIC 28914 · Grants Pass, Oregon 69 No 32
GNB Bank gnbbank.comFDIC 14079 · Grundy Center, Iowa 33 Gated 1
Town & Country tcfcu.comNCUA 8486 · South Portland, ME 50 Gated 32
First Federal Bank & Trust efirstfederal.bankFDIC 29537 · Sheridan, Wyoming 56 No 32
The Fairfield National Bank fnbcommunitybank.comblockedFDIC 3792 · Fairfield, Illinois; not measured: HTTP 403 — No —
National Police nationalpolicefcu.comNCUA 2876 · Chicago, IL 66 No 32
Claremont Savings Bank claremontsavings.bankFDIC 18038 · Claremont, New Hampshire 62 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