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 2,601–2,700 of 8,519 · page 27 of 86

SiteScore GatedPages read Report
LOC loccreditunion.comNCUA 61404 · Farmington, MI 52 Gated 32
Wallkill Valley Federal Savings and Loan Association wallkill.comFDIC 28870 · Wallkill, New York 45 Gated 32
American Eagle Bank americaneaglebank.comblockedFDIC 57359 · South Elgin, Illinois; not measured: HTTP 403 (Akamai) — No —
Midsouth Community midsouthfcu.orgNCUA 1410 · Macon, GA 49 Gated 32
First Harvest firstharvestcu.comNCUA 3951 · Deptford, NJ 55 No 32
Rolling Hills Bank & Trust rollinghillsbank.comFDIC 15334 · Atlantic, Iowa 59 No 32
Ohio State Bank bankatosb.comFDIC 59144 · Bexley, Ohio 57 No 1
Jolt joltcu.comNCUA 68703 · Saginaw, MI 54 Gated 32
Woodsboro Bank woodsborobank.comFDIC 5873 · Woodsboro, Maryland 56 Gated 32
Southwest Capital Bank southwestcapital.comFDIC 12258 · Albuquerque, New Mexico 71 No 20
Healthcare Associates hacu.orgNCUA 65421 · Lisle, IL 49 No 32
Sterling Federal Bank, F.S.B. sterlingfederal.comFDIC 27664 · Sterling, Illinois 54 No 32
F & C Bank fandcbank.comFDIC 9378 · Holden, Missouri 28 Gated 1
CME cmefcu.orgNCUA 294 · Columbus, OH 53 Gated 32
American Bank and Trust Company, National Association goambank.comFDIC 34955 · Davenport, Iowa 42 Gated 32
Citizens Bank & Trust Company citizensbankandtrust.comFDIC 1376 · Plaquemine, Louisiana 60 No 32
Home State Bank hsbankiowa.comFDIC 14867 · Jefferson, Iowa 48 No 1
Iowa State Bank iowastatebanks.comFDIC 15808 · Des Moines, Iowa 49 No 32
Widget widgetfinancial.comunreachableNCUA 1117 · Erie, PA — No —
FNB Community Bank fnbmwc.comFDIC 16127 · Midwest City, Oklahoma 52 No 32
Hoyne Savings Bank hoyne.bankFDIC 28747 · Chicago, Illinois 51 No 32
Winsouth winsouthcu.comNCUA 68744 · Gadsden, AL 59 No 32
Seamen's Bank seamensbank.comFDIC 90268 · Provincetown, Massachusetts 28 Gated 1
FSNB, National Association fsnb.comFDIC 16416 · Lawton, Oklahoma 55 No 32
First State Bank bankatfsb.comFDIC 17950 · Clute, Texas 46 Gated 21
First National Bank firstnationalbanks.comFDIC 25894 · Oldham, South Dakota 28 Gated 1
Ameristate Bank ameristatebank.comFDIC 15510 · Atoka, Oklahoma 59 No 32
Members memcu.comNCUA 60002 · Winston Salem, NC 52 No 32
Mechanics & Farmers Bank mfbonline.comblockedFDIC 12266 · Durham, North Carolina; not measured: HTTP 403 — No —
BLC Community Bank blccb.comFDIC 11608 · Little Chute, Wisconsin 59 Gated 32
The First National Bank of Russell Springs fnbrs.comFDIC 2767 · Russell Springs, Kentucky 52 No 31
Louisiana National Bank ln.bankFDIC 15059 · Ruston, Louisiana 32 Gated 32
On Tap ontapcu.orgNCUA 64913 · Golden, CO 65 No 32
Community State Bank of Orbisonia communitystate.bankFDIC 16976 · Orbisonia, Pennsylvania 51 No 32
Pbt Bancorp pbtb.comFDIC 8117 · Hazard, Kentucky 68 No 32
American National Bank of Minnesota anbmn.comFDIC 26499 · Baxter, Minnesota 53 No 32
First Northeast Bank of Nebraska fnb-ne.comFDIC 5432 · Lyons, Nebraska 69 No 13
The Farmers Bank and Savings Company fbsc.comblockedFDIC 769 · Pomeroy, Ohio; not measured: HTTP 403 (Akamai) — No —
Earthmover earthmovercu.comNCUA 97059 · Aurora, IL 44 Gated 32
Alabama State Employees yourasecu.comNCUA 64598 · Montgomery, AL 63 No 1
Citizens National Bank of Cheboygan cnbismybank.comFDIC 5018 · Cheboygan, Michigan 66 No 32
The Neffs National Bank neffsnatl.comFDIC 7646 · Neffs, Pennsylvania 63 No 32
Iowa State Bank bankisb.comFDIC 950 · Algona, Iowa 48 No 1
Cornerstone Community Financial ccfinancial.comNCUA 68641 · Auburn Hills, MI 57 No 32
Trona Valley Community tronavalley.comNCUA 15741 · Green River, WY 39 Gated 32
Century cenfedcu.orgNCUA 5852 · Independence, OH 57 No 32
Bank of Western Oklahoma bankofwesternoklahoma.comFDIC 4087 · Elk City, Oklahoma 49 No 11
Northview Bank northviewbank.comFDIC 10956 · Sandstone, Minnesota 52 No 32
Solutions North Bank snbks.comFDIC 16971 · Stockton, Kansas 53 Gated 32
Lake-Osceola State Bank losb.comFDIC 8172 · Baldwin, Michigan 33 Gated 1
First National Bank in Olney fnbolney.comblockedFDIC 14567 · Olney, Illinois; not measured: HTTP 403 — No —
Education educationcu.comNCUA 67494 · Amarillo, TX 73 No 31
Fedchoice fedchoice.orgNCUA 150 · Lanham, MD 53 Gated 32
Tidemark tidemarkfcu.orgNCUA 13121 · Seaford, DE 54 Gated 32
Suma sumafcu.orgNCUA 16360 · Yonkers, NY 61 No 32
Millbury millburycu.comNCUA 24543 · Millbury, MA 59 No 32
Public Service pscunow.comNCUA 60683 · Romulus, MI 61 No 32
Skyward skywardcu.comblockedNCUA 63300 · Wichita, KS; not measured: HTTP 403 — No —
MCBank mc.bankFDIC 15669 · Goldthwaite, Texas 60 No 32
The First National Bank of Livingston fnblivingston.comFDIC 3305 · Livingston, Texas 57 No 32
First National Bank in New Bremen firstnbank.bankFDIC 14836 · New Bremen, Ohio 55 No 32
Southeast Financial southeastfinancial.orgNCUA 68599 · Franklin, TN 69 No 32
AOD aodfcu.comNCUA 6680 · Bynum, AL 55 Gated 32
Citizens Bank citizensbk.comFDIC 324 · Columbia, Mississippi 59 No 32
Willamette Valley Bank willamettevalleybank.comFDIC 57033 · Salem, Oregon 53 Gated 32
Elderton State Bank eldertonbank.comFDIC 12985 · Elderton, Pennsylvania 28 Gated 1
Cascade Community cascadecu.orgNCUA 5652 · Roseburg, OR 64 No 32
North Star Community northstarccu.comNCUA 62563 · Maddock, ND 48 Gated 32
Security Federal Savings Bank secfedbank.comFDIC 28894 · Logansport, Indiana 33 Gated 1
Ouachita Valley ouachitavalleyfcu.orgNCUA 10181 · West Monroe, LA 65 No 32
The Commercial Bank thecommercialbank.netFDIC 175 · Crawford, Georgia 62 No 30
Local Bank localbank.comFDIC 2327 · Hulbert, Oklahoma 64 No 32
Alden State Bank aldenstate.comFDIC 9831 · Alden, New York 56 No 32
Robertson Banking Company robertsonbanking.comFDIC 39 · Demopolis, Alabama 66 No 32
Canton School Employees csefcu.comNCUA 2535 · North Canton, OH 47 Gated 32
The Bank thebank.bankblockedFDIC 34409 · Jennings, Louisiana; not measured: HTTP 403 — No —
Northeast Security Bank banknsb.comFDIC 18384 · Sumner, Iowa 28 Gated 1
Sterling State Bank sterlingstatebank.comFDIC 17863 · Austin, Minnesota 51 Gated 1
The Missouri Bank themissouribank.comblockedFDIC 14036 · Warrenton, Missouri; not measured: HTTP 403 (Akamai) — No —
NSB Bank nsbbank.comFDIC 8094 · Mason City, Iowa 57 No 32
United Savings Bank unitedsavingsbank.comFDIC 28836 · Philadelphia, Pennsylvania 57 No 32
Cu Hawaii cuhawaii.comNCUA 24630 · Hilo, HI 51 No 32
United Cumberland Bank unitedcumberland.comFDIC 303 · Whitley City, Kentucky 44 Gated 32
Wheelhouse wheelhousecu.comNCUA 61003 · San Diego, CA 57 No 32
Integrity Bank & Trust integritybankandtrust.comblockedFDIC 57587 · Monument, Colorado; not measured: HTTP 403 (Akamai) — No —
BankFlorida bankflorida.comFDIC 58537 · Dade City, Florida 55 No 32
Picatinny picacreditunion.comNCUA 3291 · Dover, NJ 57 No 32
The Bippus State Bank bippusbank.comFDIC 1847 · Huntington, Indiana 55 No 32
First National Bank in Philip fnbphilip.comFDIC 3999 · Philip, South Dakota 65 No 32
Meade County Bank meadecountybank.comFDIC 25173 · Brandenburg, Kentucky 47 Gated 32
Baton Rouge Telco brtelco.orgNCUA 1726 · Baton Rouge, LA 55 No 32
Shelby Savings Bank, SSB shelbysavingsbank.comFDIC 32135 · Center, Texas 49 Gated 1
Guaranty Bank & Trust Company of Delhi, Louisiana gbankla.comFDIC 19638 · Delhi, Louisiana 60 No 31
Infuze infuzecu.orgNCUA 24974 · Fort Leonard Wo, MO 57 No 32
Cullman Savings Bank cullmansavingsbank.comFDIC 30167 · Cullman, Alabama 49 No 1
Trinity Capital Bank of Texas tcbtexas.comblockedFDIC 13000 · Ennis, Texas; not measured: HTTP 403 — No —
St. Cloud Financial stcloudfcu.coopNCUA 68697 · Sartell, MN 51 No 1
The Dolores State Bank mydsb.comFDIC 17959 · Dolores, Colorado 33 Gated 1
Peoples Bank of East Tennessee pbet.bankFDIC 34517 · Madisonville, Tennessee 58 No 1
The Hometown Savings Bank thsb.comFDIC 17736 · Terre Haute, Indiana 47 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