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 2,301–2,400 of 8,519 · page 24 of 86

SiteScore GatedPages read Report
Sunstate Bank sunstatefl.comblockedFDIC 34643 · Miami, Florida; not measured: HTTP 403 (Akamai) — No —
First National Bank & Trust Company of McAlester fnbmcalester.comFDIC 4145 · Mcalester, Oklahoma 58 No 32
Bay State Savings Bank baystatesavingsbank.comFDIC 90311 · Worcester, Massachusetts 38 Gated 1
Salem Co-operative Bank salemcoop.comblockedFDIC 27824 · Salem, New Hampshire; not measured: HTTP 403 — No —
Firelands firelandsfcu.orgNCUA 11674 · Bellevue, OH 52 Gated 31
SouthTrust Bank, N.A. southtrust.comFDIC 13919 · George West, Texas 59 No 32
Citizens Bank and Trust Company cbtva.comFDIC 823 · Blackstone, Virginia 57 No 32
United Bank of Union ubu.bankFDIC 14334 · Union, Missouri 61 No 32
The Karnes County National Bank of Karnes City kcnb.comFDIC 3279 · Karnes City, Texas 57 No 32
First Seacoast Bank firstseacoastbank.comFDIC 29744 · Dover, New Hampshire 69 No 32
First Federal Savings Bank firstfedsavings.bankFDIC 29056 · Evansville, Indiana 54 No 32
Unity Bank unitybanking.comFDIC 8714 · Augusta, Wisconsin 28 Gated 1
Gibsland Bank & Trust Company gbt.bankFDIC 16689 · Gibsland, Louisiana 55 Gated 31
Horizon Bank horizonbankne.comFDIC 14327 · Waverly, Nebraska 63 No 32
First New York firstnewyork.orgNCUA 2440 · Albany, NY 45 Gated 32
Enterprise Bank enterprise.bankFDIC 33380 · Omaha, Nebraska 52 Gated 32
First Federal Savings and Loan Association of Lorain fflorain.bankFDIC 29838 · Lorain, Ohio 65 No 32
Heartland hcu.orgNCUA 64441 · Springfield, IL 55 No 32
Cabrillo cabrillocu.comNCUA 68409 · San Diego, CA 33 Gated 32
Neighbors neighborscu.orgNCUA 62905 · Saint Louis, MO 65 No 32
Mid-America Bank mid-americabank.comFDIC 17374 · Baldwin City, Kansas 56 No 32
Intracoastal Bank intracoastal.bankFDIC 58692 · Palm Coast, Florida 48 No 1
Argent argentcu.orgNCUA 24313 · Chesterfield, VA 48 No 1
The Bank of South Carolina banksc.comFDIC 26912 · Charleston, South Carolina 65 No 32
RVR Bank rvr.bankFDIC 17639 · Fremont, Nebraska 28 Gated 1
South Georgia Banking Company sgbconline.comblockedFDIC 20198 · Omega, Georgia; not measured: HTTP 403 (Akamai) — No —
Hyperion Bank hyperionbank.comFDIC 58371 · Philadelphia, Pennsylvania 59 No 32
Baraboo State Bank baraboobank.comFDIC 12788 · Baraboo, Wisconsin 61 No 32
Buckeye State Bank joinbsb.comFDIC 2286 · Powell, Ohio 60 No 32
Trinity Bank, N.A. trinitybk.comFDIC 57543 · Fort Worth, Texas 53 No 32
Table Rock Community Bank trcbank.comFDIC 58300 · Kimberling City, Missouri 48 Gated 32
Panhandle First Bank mypfb.bankFDIC 22340 · Guymon, Oklahoma 60 No 32
International Bank of Commerce ibc.comFDIC 24961 · Zapata, Texas 58 Gated 32
Farmers Bank of Northern Missouri onlinefarmersbank.comFDIC 4539 · Unionville, Missouri 57 No 32
Citizens' Bank & Trust Co. cbankandtrust.comFDIC 8738 · Van Buren, Arkansas 50 No 32
Century Bank centurybank.netFDIC 11448 · Lucedale, Mississippi 33 Gated 1
Jefferson Security Bank jsb.bankFDIC 9997 · Shepherdstown, West Virginia 63 No 32
Redwood Capital Bank rdwo.comFDIC 57610 · Eureka, California 28 Gated 1
First Commercial Bank, National Association 1cb.comblockedFDIC 24603 · Seguin, Texas; not measured: HTTP 403 (Akamai) — No —
Farmers and Merchants Bank fmbms.comFDIC 15801 · Baldwyn, Mississippi 42 No 32
South Ottumwa Savings Bank sosb-ia.comblockedFDIC 9099 · Ottumwa, Iowa; not measured: HTTP 403 (Akamai) — No —
Dutch Point dutchpoint.orgblockedNCUA 60457 · Wethersfield, CT; not measured: HTTP 403 (Cloudflare) — No —
Capitol Bank capitol.bankFDIC 34074 · Madison, Wisconsin 28 Gated 1
Peoples Bank of Kentucky, Inc. peoplesbankofky.comFDIC 16970 · Flemingsburg, Kentucky 49 Gated 32
Peoples Bank & Trust peoplesbanktrust.comFDIC 25795 · Buford, Georgia 57 Gated 32
First Bank firstbankms.comFDIC 5907 · Mccomb, Mississippi 67 No 32
Bank of Belleville bankofbelleville.comFDIC 58114 · Belleville, Illinois 28 Gated 1
Home Federal Savings and Loan Association of Grand Island homefederalne.bankFDIC 29476 · Grand Island, Nebraska 42 Gated 32
Jonah Bank of Wyoming jonah.bankFDIC 58396 · Casper, Wyoming 53 No 32
TriStar Bank tristar.bankFDIC 35417 · Dickson, Tennessee 47 No 32
CBBC Bank cbbc.bankFDIC 21227 · Maryville, Tennessee 59 No 32
First Choice Bank firstchoice.bankblockedFDIC 5006 · Pontotoc, Mississippi; not measured: HTTP 403 (Akamai) — No —
United Mississippi Bank unitedmsbk.comFDIC 21083 · Natchez, Mississippi 73 No 1
West Point Bank westpointbank.comFDIC 12166 · Radcliff, Kentucky 48 Gated 32
The Southern southernonline.orgNCUA 68638 · Fayetteville, GA 61 No 32
KodaBank kodabank.comFDIC 8386 · Drayton, North Dakota 58 No 32
First Pryority Bank pryority.bankblockedFDIC 4185 · Pryor, Oklahoma; not measured: HTTP 403 — No —
First State Bank bankfirststate.comFDIC 15271 · New London, Wisconsin 57 No 32
Central State Bank centralstatebankia.comFDIC 10903 · State Center, Iowa 60 No 31
Northwestern Mutual Wealth Management northwesternmutual.comFDIC 57093 · Milwaukee, Wisconsin 57 Gated 32
Freedom of Maryland freedomfcu.orgNCUA 8550 · Bel Air, MD 64 No 32
Security Savings Bank bankwithssb.comFDIC 15734 · Canton, South Dakota 64 No 32
Call callfederal.orgNCUA 15209 · Glen Allen, VA 61 No 32
Chickasaw Community Bank ccb.bankFDIC 11521 · Oklahoma City, Oklahoma 49 Gated 32
Sunmark Community Bank sunmarkbank.comFDIC 16825 · Perry, Georgia 33 Gated 1
Mountain Valley Bank bankmvb.comFDIC 17411 · Walden, Colorado 39 No 32
Community Resource Bank crb.bankFDIC 5219 · Northfield, Minnesota 37 Gated 32
Texas Traditions Bank txtraditionsbank.comFDIC 59304 · Katy, Texas 28 Gated 1
Soarion soarion.orgNCUA 8169 · San Antonio, TX 48 Gated 32
My Community mccu.coopNCUA 68682 · Midland, TX 53 No 32
Resource One r1cu.orgNCUA 68439 · Dallas, TX 65 No 32
Nave Bank navebank.comFDIC 59324 · San Juan, Puerto Rico 69 No 32
Luminate Bank luminate.bankFDIC 16635 · Minneapolis, Minnesota 67 No 32
U. T. utfcu.orgNCUA 19448 · Knoxville, TN 49 Gated 32
Eastern Michigan Bank emb.bankFDIC 982 · Croswell, Michigan 60 No 32
First Federal Savings Bank firstfedindiana.bankFDIC 29690 · Huntington, Indiana 54 Gated 32
Community State Bank csbbankonline.bankFDIC 14883 · Avilla, Indiana 63 No 32
The National Bank of Middlebury nbmvt.comblockedFDIC 6275 · Middlebury, Vermont; not measured: HTTP 403 (Cloudflare) — No —
Commercial Bank commercial-bank.comblockedFDIC 18584 · Ithaca, Michigan; not measured: HTTP 403 — No —
Portage Community Bank portagecommunity.bankFDIC 34760 · Ravenna, Ohio 67 No 32
Premier Community Bank premiercommunity.comFDIC 15799 · Marion, Wisconsin 28 Gated 1
Champion championcu.comNCUA 60721 · Canton, NC 63 No 32
Goldwater Bank, N.A. goldwaterbank.comFDIC 58405 · Phoenix, Arizona 50 No 10
Bank of Bartlett bankofbartlett.comFDIC 23123 · Bartlett, Tennessee 69 No 32
Fayette Savings Bank, SSB fayettesavings.comFDIC 31936 · La Grange, Texas 53 No 18
Five Points Bank of Hastings 5pointsbank.comFDIC 14312 · Hastings, Nebraska 34 Gated 32
Nebraska Bank ne.bankFDIC 16116 · Dodge, Nebraska 61 No 32
Mound City Bank moundcitybank.comFDIC 9037 · Platteville, Wisconsin 43 Gated 32
Desco descofcu.orgblockedNCUA 15882 · Portsmouth, OH; not measured: HTTP 403 (Akamai) — No —
Northern State Bank of Thief River Falls nsbtrf.comblockedFDIC 15286 · Thief River Falls, Minnesota; not measured: HTTP 403 (CloudFront) — No —
Citizens Bank of Kansas citizensbankofkansas.comFDIC 4707 · Kingman, Kansas 33 Gated 1
The Cooperative Bank thecooperativebank.comFDIC 26922 · Roslindale, Massachusetts 48 Gated 32
Silver Lake Bank silverlakebank.comFDIC 15323 · Topeka, Kansas 68 No 32
Belgrade State Bank belgradestatebank.comFDIC 12208 · Belgrade, Missouri 59 No 32
First U.s. Community firstus.orgNCUA 68474 · Sacramento, CA 53 Gated 31
Charter West Bank charterwest.comFDIC 26185 · West Point, Nebraska 38 Gated 32
The Farmers Bank of Willards fbwbank.comFDIC 5885 · Willards, Maryland 53 Gated 32
First National Bank of Coffee County fnbcc.comFDIC 33506 · Douglas, Georgia 28 Gated 1
First State Bank and Trust Company fsbcarthage.comFDIC 11559 · Carthage, Texas 49 No 32
Fidelity Bank fidelitybanker.comFDIC 19644 · West Memphis, Arkansas 54 No 31

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