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 2,201–2,300 of 8,519 · page 23 of 86

SiteScore GatedPages read Report
NBT Financial Bank nbt.bankFDIC 21329 · Fort Worth, Texas 60 No 32
First Bank Kansas firstbankkansas.comFDIC 18431 · Salina, Kansas 49 No 32
NewBank newbankusa.comFDIC 58203 · Flushing, New York 49 Gated 24
Farmers Trust and Savings Bank farmerstrust.bankFDIC 12858 · Spencer, Iowa 41 Gated 32
Empire State Bank esbna.comFDIC 57672 · Staten Island, New York 46 No 32
Central Willamette centralwcu.orgNCUA 62665 · Albany, OR 69 No 32
The Bank thebankks.comFDIC 26522 · Oberlin, Kansas 53 No 1
Farmers & Merchants Savings Bank fmbankia.comFDIC 9298 · Manchester, Iowa 73 No 1
Crossroads Bank crossroadsbanking.comFDIC 29839 · Wabash, Indiana 55 Gated 32
Crown Bank crownbank.netFDIC 34259 · Elizabeth, New Jersey 55 No 1
Excite excitecu.orgNCUA 68441 · San Jose, CA 54 No 32
Community Savings Bank communitysavings.bankFDIC 14633 · Edgewood, Iowa 61 No 32
Madison County Bank madisoncountybank.comFDIC 31999 · Madison, Nebraska 61 No 32
Belmont Savings Bank bsb.bankFDIC 28348 · Bellaire, Ohio 41 Gated 25
AVB Bank avb.bankFDIC 2326 · Broken Arrow, Oklahoma 57 No 32
Andrew Johnson Bank andrewjohnsonbank.comFDIC 22015 · Greeneville, Tennessee 44 Gated 32
Heritage Bank bankonheritage.comFDIC 17145 · Wood River, Nebraska 50 Gated 31
All America Bank allamerica.bankFDIC 20093 · Oklahoma City, Oklahoma 59 No 32
Commercial Capital Bank comcapbank.comFDIC 34784 · Delhi, Louisiana 41 Gated 13
Mercer County State Bank mcsbank.bankFDIC 445 · Sandy Lake, Pennsylvania 48 No 1
Peoples Savings Bank mybankpsb.comFDIC 34973 · Indianola, Iowa 41 Gated 32
Peoples Exchange Bank pebank.comFDIC 8785 · Winchester, Kentucky 64 No 32
Educators edcu.comNCUA 67611 · Waco, TX 55 No 32
Dugood dugood.orgNCUA 15146 · Beaumont, TX 64 No 32
Hearthside Bank Corporation hearthsidebank.comFDIC 31236 · Middlesboro, Kentucky 59 No 32
Southpoint Financial southpointfinancial.comNCUA 68667 · Sleepy Eye, MN 71 No 32
Frontier State Bank frontier-ok.comFDIC 21978 · Oklahoma City, Oklahoma 62 No 31
I.l.w.u. ilwucu.orgNCUA 24916 · Long Beach, CA 66 No 32
Financial Plus financialplus.orgNCUA 61231 · Ottawa, IL 56 No 32
Golden Valley Bank goldenvalley.bankFDIC 58278 · Chico, California 57 No 29
Minnco minnco.comNCUA 63639 · Cambridge, MN 67 No 2
American Heritage National Bank logbank.comFDIC 8843 · Long Prairie, Minnesota 59 No 32
Via Credit Union viacu.orgNCUA 68572 · Marion, IN 60 No 32
Range Bank rangebank.comFDIC 5072 · Marquette, Michigan 62 No 30
First Federal Community Bank, SSB ffcbank.comFDIC 27678 · Paris, Texas 45 Gated 32
Fairmont fairmontfcu.comNCUA 3439 · Fairmont, WV 60 No 32
Partners Bank of California partnersbankca.comFDIC 58588 · Mission Viejo, California 61 Gated 1
Wisdom Heritage Bank wisdomheritage.bankFDIC 9465 · Alva, Oklahoma 57 No 31
Union Square unionsquare.orgNCUA 68664 · Wichita Falls, TX 64 Gated 32
Washington State Bank washsb.comFDIC 214 · Washington, Iowa 62 No 32
Valley Financial valleyfcu.comNCUA 68689 · Billings, MT 55 No 32
The Maries County Bank mariescountybank.comFDIC 8576 · Vienna, Missouri 57 No 30
Dupage dupagecu.comNCUA 97084 · Naperville, IL 58 Gated 32
Grand Valley Bank grandvalleybank.comFDIC 24922 · Heber City, Utah 58 No 32
Tech techcu.orgNCUA 68225 · Crown Point, IN 71 No 32
North Shore Bank of Commerce northshore.bankFDIC 8850 · Duluth, Minnesota 60 No 32
The Citizens Bank of Georgia citizbank.comFDIC 34229 · Cumming, Georgia 46 Gated 32
Guardian Bank guardian.bankFDIC 57127 · Valdosta, Georgia 33 Gated 1
Hatboro Federal Savings, FA hatborofed.comFDIC 30155 · Hatboro, Pennsylvania 28 Gated 1
Palmetto State Bank palmettostatebank.comFDIC 17563 · Hampton, South Carolina 51 No 1
Regional Missouri Bank regionalmo.bankFDIC 18385 · Marceline, Missouri 67 No 32
First Piedmont Federal Savings and Loan Association of Gaffney firstpiedmont.comFDIC 28859 · Gaffney, South Carolina 55 No 28
The Falls City National Bank fcnb.netFDIC 3193 · Falls City, Texas 62 Gated 30
Pineland Bank pineland.bankFDIC 15699 · Alma, Georgia 54 No 32
Securityplus securityplusfcu.orgblockedNCUA 2769 · Baltimore, MD; not measured: HTTP 403 (Cloudflare) — No —
Unison Bank unisonbank.comFDIC 19396 · Jamestown, North Dakota 46 Gated 32
Gulf Capital Bank gulfcapitalbank.comFDIC 59185 · Houston, Texas 53 Gated 31
Ascentra ascentra.orgNCUA 63268 · Bettendorf, IA 63 No 32
Citizens Bank Minnesota citizensmn.bankFDIC 8200 · New Ulm, Minnesota 59 No 32
Embold emboldcu.orgNCUA 11793 · Oregon City, OR 60 No 32
Cattlemens Bank cattlemensbank.comFDIC 12285 · Altus, Oklahoma 59 Gated 21
Wayne County Bank waynecountybank.comFDIC 9168 · Waynesboro, Tennessee 68 No 32
The Andover Bank andover.bankFDIC 10663 · Andover, Ohio 34 Gated 32
The First National Bank of East Texas fnbetx.comFDIC 3218 · Gilmer, Texas 54 Gated 31
Citizens State Bank mycsb.bankblockedFDIC 9047 · Monticello, Iowa; not measured: HTTP 403 — No —
Crest Savings Bank crestsavings.bankFDIC 28818 · Wildwood, New Jersey 61 No 32
Mnb Bank mnb.bankFDIC 5434 · Mccook, Nebraska 28 Gated 1
Cross Bank mycrossbank.comFDIC 13821 · Wynne, Arkansas 65 No 32
Riverstone Bank bankrivserstone.comFDIC 10641 · Eagle, Nebraska 33 Gated 1
Highpoint Community Bank highpointcommunitybank.comFDIC 11407 · Hastings, Michigan 31 Gated 1
Sovita sovitacu.orgNCUA 60666 · Flint, MI 57 No 32
INSOUTH Bank insouth.comFDIC 22020 · Brownsville, Tennessee 41 Gated 32
First United Bank and Trust Company efirstunitedbank.comblockedFDIC 34150 · Madisonville, Kentucky; not measured: HTTP 403 — No —
SIU siucu.orgNCUA 60279 · Carbondale, IL 66 No 32
Lee Bank leebank.comFDIC 33645 · Lee, Massachusetts 51 No 32
Members Heritage membersheritage.orgNCUA 68661 · Lexington, KY 49 Gated 32
First National Bank of Eastern Arkansas fnbea.comFDIC 3863 · Forrest City, Arkansas 57 No 32
PyraMax Bank, FSB pyramaxbank.comFDIC 29120 · Greenfield, Wisconsin 28 Gated 1
Diversified Members dmcu.comNCUA 62339 · Detroit, MI 48 No 1
Transcend transcendcu.comNCUA 68666 · Louisville, KY 62 No 32
Openland acutx.orgNCUA 60608 · League City, TX 68 No 1
Peoples National Bank of Kewanee pnb-kewanee.comFDIC 926 · Kewanee, Illinois 56 No 31
Bank of Holly Springs bankofhollysprings.comFDIC 8232 · Holly Springs, Mississippi 39 No 1
Kingston National Bank kingstonnationalbank.comFDIC 6616 · Kingston, Ohio 45 Gated 29
Freedom Bank thatsfreedom.bankFDIC 35221 · Huntingburg, Indiana 28 Gated 1
First Kentucky Bank, Inc. firstkentucky.comblockedFDIC 21247 · Mayfield, Kentucky; not measured: HTTP 403 — No —
Washington Savings Bank washingtonsavings.netFDIC 29227 · Effingham, Illinois 71 No 32
First National Bank of Huntsville fnbhuntsvilletx.bankFDIC 3269 · Huntsville, Texas 65 No 32
PremierBank bankwithpremier.comblockedFDIC 5295 · Fort Atkinson, Wisconsin; not measured: HTTP 403 (Akamai) — No —
The Bank and Trust, S.S.B. thebankandtrust.comFDIC 1184 · Del Rio, Texas 73 No 1
Wnb Financial, N.a. wnbfinancial.comFDIC 5280 · Winona, Minnesota 68 No 32
Lumbee Guaranty Bank lumbeeguarantybank.comblockedFDIC 20568 · Pembroke, North Carolina; not measured: HTTP 403 — No —
Education First educationfirstfcu.orgNCUA 24470 · Beaumont, TX 64 No 32
I-C iccreditunion.orgNCUA 24250 · Fitchburg, MA 54 Gated 32
Bank of the Valley bankofthevalley.comFDIC 25291 · Bellwood, Nebraska 55 Gated 32
The Peoples Bank peoplesripley.comFDIC 15871 · Ripley, Mississippi 47 Gated 30
Cottonport Bank cottonportbank.comFDIC 8798 · Cottonport, Louisiana 60 No 32
FNBC Bank & Trust fnbcbt.comFDIC 11306 · La Grange, Illinois 54 No 31
Merit Bank meritbank.comFDIC 15270 · Huntsville, Alabama 33 Gated 1
Citizens State Bank micsb.comFDIC 8183 · Royal Oak, Michigan 28 Gated 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