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 2,701–2,800 of 8,519 · page 28 of 86

SiteScore GatedPages read Report
Wmcu westmichigancu.comNCUA 62347 · Grand Rapids, MI 63 Gated 32
Alliance Bank myalliancebank.comFDIC 197 · Francesville, Indiana 66 No 32
The Lincoln National Bank of Hodgenville mylnb.comFDIC 2750 · Hodgenville, Kentucky 56 No 1
Pacific Alliance Bank pacificalliancebank.comFDIC 58234 · San Gabriel, California 46 No 32
Gain gainfcu.comNCUA 3943 · Burbank, CA 55 Gated 32
Hometown Bank of Pennsylvania hometownbankpa.comFDIC 58470 · Bedford, Pennsylvania 58 No 32
Exchange Bank of Missouri ebmo.comFDIC 1616 · Fayette, Missouri 49 Gated 31
Edison National Bank edisonnationalbank.comFDIC 34489 · Fort Myers, Florida 29 Gated 1
The Denison State Bank dsbks.comFDIC 15305 · Holton, Kansas 51 No 32
Citizens State Bank csbnow.comFDIC 10474 · Lena, Illinois 50 No 32
New Era Bank newerabank.comFDIC 14546 · Fredericktown, Missouri 48 No 1
First National Bank fnb4u.comFDIC 17643 · Alamogordo, New Mexico 60 No 32
Boston Firefighters firstresponderscu.orgNCUA 67837 · Dorchester, MA 48 No 32
The City National Bank of Colorado City txcnb.bankblockedFDIC 3144 · Colorado City, Texas; not measured: HTTP 403 (Akamai) — No —
The Liberty National Bank in Paris lnbparis.comFDIC 3384 · Paris, Texas 53 Gated 16
The Pittsfield Co-operative Bank pittsfield-coop.comFDIC 26393 · Pittsfield, Massachusetts 33 Gated 1
Patriot Bank patriot-bank.comFDIC 57416 · Millington, Tennessee 47 No 32
Texas Tech texastechfcu.orgNCUA 12858 · Lubbock, TX 61 No 32
The Citizens State Bank thecsb.comFDIC 17672 · Moundridge, Kansas 67 No 32
Watermark Bank watermark.bankFDIC 59148 · Oklahoma City, Oklahoma 68 No 24
Assemblies of God agcu.orgNCUA 62897 · Springfield, MO 53 No 32
GreatAmerica Bank National Association greatamericabank.comFDIC 18463 · Cedar Rapids, Iowa 68 No 32
Fort Community fortcommunity.comNCUA 67184 · Fort Atkinson, WI 55 No 32
Everence everence.comNCUA 10223 · Lancaster, PA 59 No 32
Welch State Bank of Welch, Okla. welchstatebank.comFDIC 9472 · Welch, Oklahoma 28 Gated 1
The Bank of East Asia Ltd. no website on recordFDIC 26028 · New York, New York; no web address reported to the FDIC — No —
First Peoples Bank firstpeoplesbank.comblockedFDIC 33010 · Pine Mountain, Georgia; not measured: HTTP 403 (Akamai) — No —
Security State Bank ssbwyo.bankFDIC 12592 · Basin, Wyoming 60 No 32
North Brookfield Savings Bank northbrookfieldsavingsbank.comFDIC 90258 · North Brookfield, Massachusetts 61 No 32
Bank of Madison bankofmadisonga.comFDIC 148 · Madison, Georgia 52 No 12
Centric mycentric.orgNCUA 1982 · West Monroe, LA 67 No 32
The Bank of LaFayette, Georgia bankoflafayette.comFDIC 9245 · La Fayette, Georgia 57 No 31
Kensington Bank kensington.bankFDIC 1409 · Kensington, Minnesota 28 Gated 1
The Peoples Bank peoplesbanksc.comFDIC 16968 · Iva, South Carolina 57 Gated 32
Oregon Coast Bank oregoncoast.bankFDIC 57373 · Newport, Oregon 60 Gated 32
Lexicon Bank lexiconbank.comFDIC 59117 · Las Vegas, Nevada 61 Gated 31
The City National Bank and Trust Company of Lawton, Oklahoma cnb1901.comFDIC 4132 · Lawton, Oklahoma 60 No 32
CSE csefcu.orgNCUA 5086 · Lake Charles, LA 64 No 32
Star Bank star.bankFDIC 5095 · Maple Lake, Minnesota 65 No 21
Better Banks betterbanks.comFDIC 1808 · Peoria, Illinois 61 No 32
Aerospace aerofcu.orgNCUA 14723 · Los Angeles, CA 52 No 32
Bank of the Plains bankoftheplains.comFDIC 18118 · Plains, Kansas 51 No 32
The Bank of Vernon bankofvernon.bankFDIC 51 · Vernon, Alabama 62 No 32
Peoples Bank pbbanking.comFDIC 9489 · Clifton, Tennessee 59 No 31
RiverHills Bank riverhillsbank.comFDIC 8234 · Vicksburg, Mississippi 68 No 32
Community Bank and Trust cbthomebank.comFDIC 13068 · Neosho, Missouri 42 Gated 32
St. Louis Community stlouiscommunity.comNCUA 60400 · Saint Louis, MO 65 No 32
The National Grand Bank of Marblehead ngbank.comFDIC 2608 · Marblehead, Massachusetts 48 No 1
The City National Bank of Metropolis cnb-metropolis.comblockedFDIC 3814 · Metropolis, Illinois; not measured: HTTP 403 (Akamai) — No —
First Jackson Bank, Inc. firstjacksonbank.comFDIC 23376 · Stevenson, Alabama 38 Gated 22
Glennville Bank glennvillebank.comFDIC 9244 · Glennville, Georgia 63 No 1
NobleBank & Trust noblebank.comFDIC 58111 · Anniston, Alabama 57 No 32
The James Polk Stone Community Bank jpstone.comFDIC 2244 · Portales, New Mexico 28 Gated 1
West Texas State Bank wtsb.comblockedFDIC 16866 · Snyder, Texas; not measured: HTTP 403 (Akamai) — No —
Community Bank Delaware communitybankdelaware.comFDIC 58311 · Lewes, Delaware 48 Gated 32
Mid-Atlantic mafcu.orgNCUA 18716 · Germantown, MD 57 No 32
Grand Ridge National Bank grnbank.comblockedFDIC 3674 · Wheaton, Illinois; not measured: HTTP 403 (Cloudflare) — No —
Broadstreet Bank S S B broadstreet.bankFDIC 28868 · Mineola, Texas 53 No 32
Honor Bank myhonorbank.comFDIC 8165 · Honor, Michigan 50 No 32
The Citizens State Bank csbmarysville.comblockedFDIC 14269 · Marysville, Kansas; not measured: HTTP 403 (CloudFront) — No —
Colorado ccu.orgNCUA 68443 · Littleton, CO 67 No 32
Community State Bank commstatebank.comFDIC 23257 · Galva, Illinois 48 No 1
Jones Bank jonesbank.comblockedFDIC 5473 · Seward, Nebraska; not measured: HTTP 403 (Akamai) — No —
Spring Bank springbankwi.bankFDIC 58780 · Brookfield, Wisconsin 43 Gated 19
Southeastern southeasterncu.comNCUA 68673 · Valdosta, GA 66 No 32
Texar gotexar.comNCUA 24567 · Texarkana, TX 52 No 32
Taunton tfed.comNCUA 5602 · Taunton, MA 57 No 32
Oostburg State Bank oostburgstate.bankFDIC 10380 · Oostburg, Wisconsin 51 Gated 32
American Southwest ascu.orgNCUA 68567 · Sierra Vista, AZ 61 No 32
Morgantown Bank & Trust Company, Incorporated morgantownbank.comFDIC 275 · Morgantown, Kentucky 50 No 32
The Bank of Clovis bankofclovis.bankFDIC 57022 · Clovis, New Mexico 56 No 32
The Bank of Clarendon myboc.bankFDIC 15671 · Manning, South Carolina 64 No 32
First National Bank Minnesota fnbmn.bankFDIC 5247 · Saint Peter, Minnesota 42 Gated 32
Texas Champion Bank texaschampionbank.comFDIC 11159 · Corpus Christi, Texas 45 No 32
Frontier Bank frontierbankco.comFDIC 14730 · Lamar, Colorado 65 No 24
Eureka Savings Bank eurekasavings.comFDIC 28401 · La Salle, Illinois 63 No 32
The St. Henry Bank sthenrybank.comFDIC 9871 · St. Henry, Ohio 63 No 28
Cport cportcu.orgNCUA 63828 · Portland, ME 65 No 32
Chessie chessiefcu.orgNCUA 5636 · Cumberland, MD 63 No 32
Essential essentialcu.orgNCUA 68736 · Baton Rouge, LA 70 No 32
FreedomBank freedombnk.comFDIC 11767 · Elkader, Iowa 48 No 1
Foresight Bank foresight.bankFDIC 5229 · Plainview, Minnesota 64 No 32
Town & Country Bank and Trust Company mytcbt.bankFDIC 15703 · Bardstown, Kentucky 61 No 32
Bankers' Bank of the West bbwest.comFDIC 23210 · Denver, Colorado 39 Gated 32
Home Bank SB homebanksb.comFDIC 29881 · Martinsville, Indiana 28 Gated 1
TS Bank tsbank.comFDIC 14812 · Treynor, Iowa 42 No 32
American National Bank - Fox Cities anbfc.bankFDIC 33812 · Appleton, Wisconsin 62 No 32
The Citizens Bank of Edmond mycitizens.bankFDIC 4084 · Edmond, Oklahoma 60 No 15
Dexsta dexsta.comNCUA 2187 · Wilmington, DE 63 No 31
Pecu pecutx.orgNCUA 67428 · Austin, TX 57 No 31
State Savings Bank ssbankmi.comFDIC 8162 · Frankfort, Michigan 56 No 32
Members Choice mccu.netNCUA 62026 · Ashland, KY 49 Gated 32
The First National Bank of Monterey fnbmonterey.comFDIC 4364 · Monterey, Indiana 28 Gated 1
SSB Bank ssbpgh.comFDIC 30431 · Pittsburgh, Pennsylvania 47 Gated 32
Bank of the Lowcountry banklowcountry.comFDIC 27496 · Walterboro, South Carolina 62 No 32
High Point highpointfcu.comNCUA 21083 · Olean, NY 47 Gated 32
Freedom Bank, Inc. freedombankwv.comblockedFDIC 15664 · Belington, West Virginia; not measured: HTTP 403 (Akamai) — No —
Comtrust comtrustfcu.comblockedNCUA 606 · Chattanooga, TN; not measured: HTTP 403 (Cloudflare) — No —
Telco Community Credit Union telcoccu.orgNCUA 63545 · Candler, NC 49 Gated 31
Peoples State Bank of Plainview peoplesstatebank.comFDIC 1100 · Plainview, Minnesota 57 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