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 2,401–2,500 of 8,519 · page 25 of 86

Site	Score	Gated	Pages read
Simplicity simplicity.coopNCUA 66678 · Marshfield, WI	51	No	32
Magnolia Bank, Incorporated magnoliabank.comFDIC 8120 · Elizabethtown, Kentucky	56	No	1
Partners 1St partners1stcu.orgNCUA 7688 · Fort Wayne, IN	57	No	32
Glenwood State Bank (Incorporated) glenwoodstate.bankFDIC 8853 · Glenwood, Minnesota	59	No	32
Pearl Hawaii pearlhawaii.comNCUA 1961 · Waipahu, HI	56	Gated	32
Milford Federal Bank milfordfederal.comFDIC 29835 · Milford, Massachusetts	28	Gated	1
Lisle Savings Bank lsb.bankFDIC 29800 · Lisle, Illinois	28	Gated	1
Bank of the Flint Hills bankflinthills.comFDIC 4791 · Wamego, Kansas	70	No	1
City of Boston cityofbostoncu.comNCUA 67841 · South Boston, MA	32	Gated	32
Labette Bank labettebank.comFDIC 17068 · Altamont, Kansas	33	Gated	1
Spectra spectracu.comNCUA 5380 · Alexandria, VA	65	No	32
The Friendship State Bank friendshipstatebank.comFDIC 13130 · Friendship, Indiana	58	No	32
Bank of Texas bankoftexasonline.comFDIC 18576 · Midland, Texas	28	Gated	1
Eaton Community Bank eaton.bankFDIC 29846 · Charlotte, Michigan	33	Gated	1
Austin County State Bank acsbank.comblockedFDIC 58484 · Bellville, Texas; not measured: HTTP 403	—	No	—
First State Bank & Trust fsbtnd.bankFDIC 14801 · Williston, North Dakota	50	No	32
Pittsford pittsfordfcu.orgNCUA 19085 · Pittsford, NY	57	No	32
Merchants & Farmers Bank & Trust Company merchantsandfarmers.comFDIC 9319 · Leesville, Louisiana	59	No	30
Connection Bank myconnectionbank.comFDIC 955 · Fort Madison, Iowa	64	No	32
Champions First championsfirst.orgblockedNCUA 67874 · Tallahassee, FL; not measured: HTTP 403	—	No	—
Rayne State Bank & Trust Company bankonnet.bankFDIC 16075 · Rayne, Louisiana	67	No	31
Herring Bank herringbank.comFDIC 5568 · Amarillo, Texas	61	Gated	32
Vast Bank, National Association vast.bankblockedFDIC 23737 · Tulsa, Oklahoma; not measured: HTTP 403	—	No	—
Lebanon lebanonfcu.orgNCUA 19510 · Lebanon, PA	59	Gated	32
University ucumaine.comNCUA 63133 · Orono, ME	58	Gated	32
Community Bank Mankato cbfg.netFDIC 9760 · Vernon Center, Minnesota	48	No	1
First Security Bank and Trust Company 1stsecurity.bankFDIC 1852 · Charles City, Iowa	28	Gated	1
Bank of Dudley bankofdudley.comFDIC 9068 · Dudley, Georgia	70	No	32
Arlington Community arlingtoncu.orgNCUA 7573 · Arlington, VA	60	No	32
Homestead Bank homestead.bankFDIC 11482 · Cozad, Nebraska	47	Gated	16
Essex Bank essex.bankFDIC 17262 · Essex, Connecticut	43	Gated	32
First Nations Bank firstnations.bankblockedFDIC 22282 · Chicago, Illinois; not measured: HTTP 403 (Akamai)	—	No	—
Pan American Bank & Trust panamerbank.comFDIC 34108 · Melrose Park, Illinois	33	Gated	1
Triad Business Bank triadbusinessbank.comFDIC 59188 · Greensboro, North Carolina	47	No	16
Otero oterofcu.orgNCUA 8475 · Alamogordo, NM	61	No	32
First State Bank of St. Charles, Missouri fsbfinancial.comFDIC 12219 · St. Charles, Missouri	54	Gated	32
Enterprise Bank of South Carolina ebsc.bankFDIC 11539 · Ehrhardt, South Carolina	61	No	32
Shoreham Bank shoreham.bankFDIC 27417 · Warwick, Rhode Island	65	No	32
Peake peakefederal.comNCUA 15394 · Towson, MD	52	No	30
The Murray Bank themurraybank.comFDIC 35161 · Murray, Kentucky	57	No	32
Bank of Lake Mills bankoflakemills.comFDIC 8695 · Lake Mills, Wisconsin	60	No	32
Southern Bank of Tennessee southernbankoftn.comFDIC 34847 · Mount Juliet, Tennessee	58	No	32
Profinium, Inc. profinium.comFDIC 1905 · Truman, Minnesota	64	No	32
American Bank, National Association am-bank.comFDIC 5800 · Le Mars, Iowa	58	Gated	1
Huntington Federal Savings Bank huntingtonfederal.comFDIC 27884 · Huntington, West Virginia	47	Gated	32
Mid American midamerican.coopNCUA 65378 · Wichita, KS	61	No	32
Fifth District Savings Bank fifthdistrict.comFDIC 27697 · New Orleans, Louisiana	57	No	32
The Peoples Bank tpb.bankFDIC 1147 · Pratt, Kansas	28	Gated	1
Citizens Community Bank citizenscommunitybank.comFDIC 33753 · Mascoutah, Illinois	54	No	18
First Montana Bank, Inc. firstmontanabank.comFDIC 363 · Missoula, Montana	48	Gated	32
The Berkshire Bank berkbank.comFDIC 27503 · New York, New York	60	No	32
The County countyfcu.orgNCUA 10794 · Presque Isle, ME	48	Gated	32
Lake Elmo Bank lakeelmobank.comFDIC 15443 · Lake Elmo, Minnesota	56	No	31
Peoples Bank mypeoples.bankFDIC 14692 · Clive, Iowa	53	Gated	32
Servu servucu.comNCUA 10933 · Painted Post, NY	52	Gated	32
First Secure Community Bank 1stsecurebank.comFDIC 35223 · Sugar Grove, Illinois	57	No	32
Mutual mutualcu.orgNCUA 24948 · Vicksburg, MS	65	No	32
High Country Bank highcountrybank.netFDIC 29783 · Salida, Colorado	28	Gated	1
EntreBank entrebank.comFDIC 59287 · Bloomington, Minnesota	63	No	16
Oucu Financial Credit Union, Inc. oucu.orgNCUA 61048 · Athens, OH	55	Gated	32
Revity revitycu.comNCUA 68623 · Granite City, IL	55	No	32
Connecticut Community Bank, National Association ccbankonline.comFDIC 34876 · Norwalk, Connecticut	40	No	32
Cross County Savings Bank crosscounty.comFDIC 30260 · Middle Village, New York	52	No	1
First Citizens State Bank firstcitizensww.comFDIC 11228 · Whitewater, Wisconsin	49	Gated	32
Sunwest mysunwest.comNCUA 2226 · Glendale, AZ	47	Gated	32
First State Bank of DeQueen fsbdequeen.comFDIC 21805 · De Queen, Arkansas	59	No	32
United Community Bank of West Kentucky, Inc. ucbwest.comblockedFDIC 57301 · Morganfield, Kentucky; not measured: HTTP 403 (Akamai)	—	No	—
Enterprise Bank enterprisebankpgh.comFDIC 34786 · Allison Park, Pennsylvania	59	No	32
Select Bank myselectbank.comFDIC 58563 · Forest, Virginia	28	Gated	1
Coulee Bank couleebank.netFDIC 18361 · La Crosse, Wisconsin	59	No	32
Germantown Trust & Savings Bank gtsb.comFDIC 12113 · Breese, Illinois	50	No	31
The Shelby County State Bank scsbnet.comFDIC 1553 · Harlan, Iowa	68	No	32
Equitable Bank equitableonline.comFDIC 31485 · Grand Island, Nebraska	58	No	32
United Midwest Savings Bank, National Association umwsb.comFDIC 32441 · Degraff, Ohio	48	No	1
Liberty First libertyfirstcu.comNCUA 63757 · Lincoln, NE	61	No	32
Woodford State Bank woodfordstatebank.comFDIC 10011 · Monroe, Wisconsin	60	Gated	32
Denali State Bank denalistatebank.comFDIC 26530 · Fairbanks, Alaska	60	No	32
Western Cooperative wccu.orgNCUA 61758 · Williston, ND	51	No	32
Iowa Trust & Savings Bank iowatrustbank.comFDIC 18400 · Emmetsburg, Iowa	43	Gated	32
The Savings Bank thesavingsbankohio.bankFDIC 13216 · Circleville, Ohio	59	No	32
People Driven peopledrivencu.orgNCUA 61068 · Southfield, MI	59	No	32
State Bank of De Kalb statebankofdekalb.comFDIC 15463 · De Kalb, Texas	28	Gated	1
Westerly Community westerlyccu.comNCUA 67270 · Wakefield, RI	59	No	32
Coastlife coastlifecu.comNCUA 68482 · Corpus Christi, TX	69	No	1
New OMNI Bank, National Association newomnibank.comFDIC 23086 · Alhambra, California	33	Gated	1
The Brenham National Bank bnbank.bankFDIC 3113 · Brenham, Texas	66	No	32
Armor Bank armor.bankFDIC 28812 · Forrest City, Arkansas	51	No	32
Central Savings Bank centralsavingsbank.comFDIC 1095 · Sault Sainte Marie, Michigan	53	No	32
Chino Commercial Bank, N.A. chinocommercialbank.comFDIC 35366 · Chino, California	53	Gated	32
Security First securityfirstcu.comNCUA 5547 · Mcallen, TX	52	Gated	32
Connections Bank connections.bankFDIC 14025 · Platte City, Missouri	59	No	32
State Bank of Chilton statebankofchilton.comFDIC 12331 · Chilton, Wisconsin	53	No	32
Powell Valley National Bank powellvalleybank.comFDIC 6863 · Jonesville, Virginia	48	Gated	32
Levo levo.orgNCUA 60 · Sioux Falls, SD	68	No	32
First Credit Bank no website on recordFDIC 24332 · Los Angeles, California; no web address reported to the FDIC	—	No	—
First State Bank and Trust firststateks.comFDIC 14974 · Tonganoxie, Kansas	50	Gated	32
PCM pcmcu.orgNCUA 66424 · Green Bay, WI	62	No	32
First Pacific Bank firstpacbank.comFDIC 58218 · Whittier, California	58	Gated	28
Gulf Coast Bank gcbank.comFDIC 20353 · Abbeville, Louisiana	56	No	32
Great American Bank greatambank.comFDIC 35292 · Lawrence, Kansas	43	Gated	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