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 2,501–2,600 of 8,519 · page 26 of 86

SiteScore GatedPages read Report
Credit Union of New Jersey, A cunj.orgblockedNCUA 24927 · Ewing, NJ; not measured: HTTP 403 (Cloudflare) — No —
First State Bank firstate.netFDIC 19163 · Wrens, Georgia 61 No 32
Greenville greenvillefcu.comblockedNCUA 19116 · Greenville, SC; not measured: HTTP 403 — No —
First Robinson Savings Bank, National Association frsb.netFDIC 28105 · Robinson, Illinois 57 No 32
State Bank Financial statebankfinancial.bankFDIC 10383 · La Crosse, Wisconsin 69 No 32
Rondout Savings Bank rondoutbank.comFDIC 15969 · Kingston, New York 28 Gated 1
The Callaway Bank callawaybank.comFDIC 12223 · Fulton, Missouri 64 No 32
Citizens State Bank citizensbank.netFDIC 12303 · Woodville, Texas 64 No 1
Citizens Bank of Americus cbkamericus.comFDIC 15477 · Americus, Georgia 58 No 31
Texas Republic Bank, National Association texasrepublicbank.comFDIC 3400 · Frisco, Texas 61 No 32
The Bank of Advance bankofadvance.comFDIC 9369 · Advance, Missouri 65 No 32
First State Bank and Trust fsbcorp.comFDIC 16332 · Monticello, Illinois 28 Gated 1
Proponent profcu.orgblockedNCUA 20448 · Nutley, NJ; not measured: HTTP 403 — No —
The Casey County Bank, Inc. caseybank.comFDIC 15708 · Liberty, Kentucky 58 No 32
Eagle Rock Bank eaglerock.bankFDIC 34171 · Rochester, Minnesota 45 Gated 32
Hancock County Savings Bank, F.S.B. hcsbank.comFDIC 29035 · Chester, West Virginia 57 Gated 30
Holy Rosary hrcu.orgNCUA 65088 · Rochester, NH 65 No 32
802 802cu.comNCUA 62983 · Barre, VT 72 No 32
Grand River Bank grandriverbank.comFDIC 58789 · Grandville, Michigan 48 No 1
Citizens State Bank csbsealy.comblockedFDIC 17214 · Sealy, Texas; not measured: HTTP 403 (Akamai) — No —
Stafford Savings Bank staffordsavingsbank.comblockedFDIC 18227 · Stafford Springs, Connecticut; not measured: HTTP 403 (Akamai) — No —
Mega Bank megabankusa.comFDIC 58401 · San Gabriel, California 53 No 32
The Peoples State Bank psbanywhere.comFDIC 14113 · Ellettsville, Indiana 51 Gated 32
TEG tegfcu.comNCUA 19401 · Poughkeepsie, NY 48 No 1
Carolinas Telco ctelco.orgNCUA 23494 · Charlotte, NC 61 No 32
First Community Bank of the Heartland, Inc. fcbheartland.comblockedFDIC 14735 · Clinton, Kentucky; not measured: HTTP 403 (Akamai) — No —
Merchants Commercial Bank merchantscommercial.bankFDIC 58184 · St Thomas, U.S. Virgin Islands 28 Gated 1
Eagle Bank and Trust Company eaglebank.comunreachableFDIC 3873 · Little Rock, Arkansas — No —
Piermont Bank piermontbank.comFDIC 59154 · New York, New York 51 Gated 32
Cornerstone Bank cornerstonebk.comFDIC 57250 · Overland Park, Kansas 48 No 1
Nizari Progressive nizaricu.orgNCUA 24384 · Sugar Land, TX 60 No 32
Grundy Bank grundy.bankFDIC 3713 · Morris, Illinois 48 No 1
Peoples Bank yourpeoples.bankFDIC 9366 · Mendenhall, Mississippi 28 Gated 1
Hamlin Bank and Trust Company hamlinbank.comFDIC 11113 · Smethport, Pennsylvania 53 Gated 32
Telcoe telcoe.comNCUA 24202 · Little Rock, AR 72 No 32
Valleystar valleystar.orgNCUA 66924 · Martinsville, VA 62 No 32
First Electronic Bank firstelectronic.comFDIC 35533 · Salt Lake City, Utah 49 No 1
UNICO Bank unicobank.comFDIC 10608 · Mineral Point, Missouri 46 Gated 32
Memphis City Employees memphiscu.orgNCUA 60239 · Memphis, TN 61 No 32
Ambler Savings Bank amblersav.comFDIC 28701 · Ambler, Pennsylvania 48 No 1
River Valley rivervalleycu.orgNCUA 97109 · Miamisburg, OH 33 Gated 1
Southwest National Bank southwestnb.comblockedFDIC 4801 · Wichita, Kansas; not measured: HTTP 403 — No —
Colonial Savings, F.A. gocolonial.comFDIC 31361 · Fort Worth, Texas 56 No 32
Commonwealth One cofcu.orgNCUA 5134 · Alexandria, VA 60 No 32
Petefish, Skiles & Co. petefishskiles.comFDIC 10829 · Virginia, Illinois 46 No 32
Shamrock Bank, N.A. shamrockbank.comFDIC 4236 · Coalgate, Oklahoma 58 No 31
The First National Bank of Mertzon fnbmertzon.comFDIC 3339 · Mertzon, Texas 28 Gated 1
Henrico henricofcu.orgNCUA 18175 · Henrico, VA 41 No 32
The Napoleon State Bank napoleonstatebank.comFDIC 10101 · Napoleon, Indiana 28 Gated 1
Ohnward Bank & Trust ohnwardbank.bankblockedFDIC 10111 · Cascade, Iowa; not measured: HTTP 403 — No —
First State Bank and Trust fsbt.comFDIC 10159 · Bayport, Minnesota 57 No 32
The FNB Community Bank thefnb.comFDIC 3840 · Vandalia, Illinois 62 No 31
Land of Lincoln llcu.orgNCUA 63716 · Decatur, IL 58 No 32
Grinnell State Bank grinnell.bankFDIC 11347 · Grinnell, Iowa 43 Gated 32
Dirigo dirigofcu.comNCUA 11144 · Lewiston, ME 62 No 32
FirstBank of Nebraska firstbankne.comFDIC 5486 · Wahoo, Nebraska 46 No 30
Advantage advantagefcu.orgNCUA 24181 · Rochester, NY 57 No 32
Bank of Commerce boc-ks.comFDIC 26217 · Chanute, Kansas 38 Gated 32
Champlain National Bank champlainbank.comFDIC 7356 · Elizabethtown, New York 63 No 32
Casey State Bank caseystatebank.comFDIC 3614 · Casey, Illinois 28 Gated 1
American Commerce Bank, National Association americancommercebank.comFDIC 57686 · Bremen, Georgia 53 Gated 32
People's Bank of Seneca peoplesbankofseneca.comFDIC 34146 · Seneca, Missouri 53 Gated 32
Garden Savings gardensavingsfcu.orgNCUA 18710 · Parsippany, NJ 53 No 32
River City Bank, Inc. rivercitybankky.comFDIC 26703 · Louisville, Kentucky 60 No 32
Genco gencofcu.orgNCUA 8585 · Waco, TX 60 No 32
TruBank trubank.bankFDIC 25267 · Indianola, Iowa 53 No 32
Dean Co-operative Bank deanbank.comFDIC 27269 · Franklin, Massachusetts 51 No 22
Century Bank and Trust centurybankandtrust.comFDIC 5015 · Coldwater, Michigan 56 No 32
Cumberland County myccfcu.comNCUA 9500 · Falmouth, ME 51 No 32
Tampa Bay tampabayfederal.comNCUA 352 · Tampa, FL 51 Gated 32
Jewett City Savings Bank jcsbank.comFDIC 18237 · Jewett City, Connecticut 63 No 32
The First State Bank thefsb.bankFDIC 5835 · Norton, Kansas 59 Gated 32
The Citizens Bank of Clovis cbcnm.bankblockedFDIC 11491 · Clovis, New Mexico; not measured: HTTP 403 (Akamai) — No —
Security State Bank mysecuritystate.comFDIC 235 · Sutherland, Iowa 53 No 1
Fulton Savings Bank fultonsavings.comFDIC 15966 · Fulton, New York 60 No 32
Topside topsidefcu.orgblockedNCUA 14754 · Dahlgren, VA; not measured: HTTP 403 — No —
Arundel Bank arundelbank.comFDIC 28780 · Glen Burnie, Maryland 37 Gated 25
Bank3 bank3.comFDIC 15205 · Memphis, Tennessee 53 Gated 32
Velocity Community velocitycommunity.orgblockedNCUA 68749 · Palm Beach Gard, FL; not measured: HTTP 403 (Cloudflare) — No —
Solutions Bank solutions.bankFDIC 11741 · Forreston, Illinois 49 Gated 32
LifeStore Bank golifestore.comFDIC 31217 · West Jefferson, North Carolina 33 Gated 1
Century Bank and Trust century.bankFDIC 147 · Milledgeville, Georgia 54 No 32
EvaBank evabank.comFDIC 26799 · Eva, Alabama 56 No 32
1st State Bank 1ststate.bankFDIC 57626 · Saginaw, Michigan 28 Gated 1
Black Hills Community Bank, N.A. bhcbank.comFDIC 58723 · Rapid City, South Dakota 61 No 28
Citizens Bank citizensbanktx.comFDIC 16817 · Kilgore, Texas 48 No 1
Citizens State Bank csbnet.netFDIC 6194 · Hudson, Wisconsin 48 No 32
The Bank, National Association thebankna.bankFDIC 4146 · Mcalester, Oklahoma 46 No 32
Maui County mauicountyfcu.orgNCUA 1866 · Wailuku, HI 62 No 32
Springfield State Bank springfieldstate.bankFDIC 8772 · Springfield, Kentucky 69 No 32
First Farmers & Merchants Bank ffmbank.comFDIC 10168 · Cannon Falls, Minnesota 56 No 32
Oak Bank oak.bankFDIC 35333 · Fitchburg, Wisconsin 44 Gated 32
Raccoon Valley Bank raccoonvalleybank.comFDIC 245 · Perry, Iowa 66 No 32
First Federal Savings Bank of Lincolnton ffsb-nc.comblockedFDIC 30315 · Lincolnton, North Carolina; not measured: HTTP 403 (Akamai) — No —
Osgood Bank osgoodbank.comFDIC 9137 · Osgood, Ohio 56 No 32
Planters First Bank plantersfirst.bankFDIC 9064 · Cordele, Georgia 33 Gated 1
Eclipse Bank, Inc. eclipsebank.comFDIC 58049 · Louisville, Kentucky 68 No 32
Peoples Independent Bank pibonline.comFDIC 27233 · Boaz, Alabama 59 No 32
Lehigh Valley Educators lvecu.orgNCUA 64606 · Allentown, PA 66 No 32
Trax traxcu.comNCUA 24703 · Tampa, FL 54 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