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 2,801–2,900 of 8,519 · page 29 of 86

SiteScore GatedPages read Report
Membersfirst membersfirstga.comNCUA 67538 · Decatur, GA 51 Gated 32
Maquoketa State Bank maquoketasb.bankblockedFDIC 17903 · Maquoketa, Iowa; not measured: HTTP 403 — No —
Tva Community Credit Union tvaccu.comNCUA 68559 · Muscle Shoals, AL 66 No 32
Exchange Bank and Trust Company easybanking.bankFDIC 13366 · Perry, Oklahoma 66 No 32
America's americascu.orgunreachableNCUA 67470 · Garland, TX — No —
Coffee County Bank coffeecountybank.comFDIC 22090 · Manchester, Tennessee 74 No 1
The Union State Bank of Everest mybankusb.comFDIC 18610 · Everest, Kansas 64 No 31
North Valley Bank nvboh.bankFDIC 2284 · Zanesville, Ohio 56 No 32
Ukrainian ukrainianfcu.orgNCUA 8854 · Rochester, NY 48 No 1
Alcoa Tenn atfcu.comNCUA 1509 · Alcoa, TN 57 No 30
Waukon State Bank waukonstatebank.bankFDIC 1857 · Waukon, Iowa 44 Gated 32
The Lamesa National Bank lamesanb.comFDIC 3292 · Lamesa, Texas 53 No 13
Bank of Mauston bankofmauston.comFDIC 12327 · Mauston, Wisconsin 28 Gated 1
North Coast northcoastcu.comNCUA 66734 · Bellingham, WA 72 No 32
Rocky Mountain rmcu.netNCUA 97110 · Helena, MT 60 No 30
Winnsboro State Bank & Trust Company winnsborobank.comFDIC 10533 · Winnsboro, Louisiana 75 No 1
Texas State Bank txbank.comFDIC 18698 · San Angelo, Texas 43 Gated 31
Mocse mocse.orgNCUA 12805 · Modesto, CA 48 No 1
The Commercial National Bank of Brady cnbbrady.comFDIC 3110 · Brady, Texas 56 No 32
Marion Center Bank marioncenterbank.comblockedFDIC 7909 · Indiana, Pennsylvania; not measured: HTTP 403 (Akamai) — No —
Rhode Island ricreditunion.orgNCUA 67269 · Warwick, RI 59 No 32
Centinel Bank of Taos centinelbank.comFDIC 19904 · Taos, New Mexico 57 No 30
Universal 1 universal1cu.orgNCUA 64970 · Dayton, OH 53 Gated 32
Jordan jordan-cu.orgNCUA 24698 · South Jordan, UT 59 No 32
Sugar River Bank sugarriver.bankFDIC 18028 · Newport, New Hampshire 61 No 32
First State Bank firststatebanks.comblockedFDIC 15539 · Buxton, North Dakota; not measured: HTTP 403 (Akamai) — No —
Heritage Bank of the Ozarks heritagebankozarks.comFDIC 57576 · Lebanon, Missouri 66 No 32
River City Bank rivercity.bankFDIC 58289 · Rome, Georgia 57 No 32
Streator Onized socu.orgNCUA 68226 · Streator, IL 33 Gated 1
Honolulu myhocu.comNCUA 1830 · Honolulu, HI 46 No 30
Astra Bank astra.bankFDIC 17636 · Scandia, Kansas 33 Gated 1
Alliance alliancecu.comNCUA 63789 · Fenton, MO 28 Gated 1
Co-Op Credit Union of Montevideo co-opcreditunion.comNCUA 62419 · Montevideo, MN 61 No 32
Community Commerce Bank ccombank.comFDIC 26363 · Claremont, California 61 No 14
Farmers Trust and Savings Bank ftsbbank.bankFDIC 14195 · Buffalo Center, Iowa 28 Gated 1
My Kind of Bank, National Association mykindofbank.comFDIC 5162 · Ottertail, Minnesota 68 No 32
Glendale Area Schools gascu.orgNCUA 97101 · Glendale, CA 60 No 32
Great Oaks Bank greatoaks.bankFDIC 16780 · Richmond Hill, Georgia 33 Gated 1
Carolina Trust carolinatrust.orgNCUA 12361 · Myrtle Beach, SC 58 Gated 32
Cattle Bank and Trust cattlebank.comFDIC 5472 · Seward, Nebraska 33 Gated 1
First Federal Savings Bank ffsbweb.comFDIC 28924 · Ottawa, Illinois 61 No 32
The Bank of Brodhead bankofbrodhead.comFDIC 2455 · Brodhead, Wisconsin 66 No 32
Union National Bank and Trust Company of Elgin unbelgin.comFDIC 3661 · Elgin, Illinois 62 No 14
1St Community 1cfcu.orgNCUA 8715 · San Angelo, TX 55 Gated 32
Signature signaturefcu.orgNCUA 20061 · Alexandria, VA 45 No 32
Haddon Savings Bank haddonsavings.comFDIC 28222 · Haddon Heights, New Jersey 33 Gated 1
The First National Bank of Allendale fnba.bankFDIC 12365 · Allendale, Illinois 33 Gated 1
Coosa Pines coosapinesfcu.orgNCUA 6774 · Childersburg, AL 55 Gated 32
The Citizens Bank of Swainsboro cbs-lc.comFDIC 11295 · Swainsboro, Georgia 68 No 1
Cumberland Security Bank, Inc. csbweb.comblockedFDIC 11358 · Somerset, Kentucky; not measured: HTTP 403 (Akamai) — No —
Bank of Star Valley bosv.comFDIC 34148 · Afton, Wyoming 50 Gated 19
F&M Bank fmbanknow.comFDIC 16897 · Washington, Georgia 39 Gated 31
First National Bank of Brookfield fnbb.comFDIC 18564 · Brookfield, Illinois 56 Gated 32
Bank of Franklin County bankoffranklincounty.comFDIC 35543 · Washington, Missouri 61 No 32
Kentland Bank kentlandbank.comFDIC 13843 · Kentland, Indiana 63 No 32
Central State Bank centralstate.bankFDIC 1550 · Coralville, Iowa 48 No 1
First National Bank in DeRidder bankfnbd.comFDIC 14427 · Deridder, Louisiana 48 No 1
Devon Bank devonbank.comFDIC 16249 · Chicago, Illinois 68 No 32
First National Bank fnb-bank.comFDIC 4324 · Cloverdale, Indiana 61 No 32
Lusitania Savings Bank lusitaniabank.comFDIC 34058 · Newark, New Jersey 64 No 1
Heritage Bank & Trust heritagebankandtrust.comFDIC 58220 · Columbia, Tennessee 64 No 32
MA Bank mabank.comFDIC 14695 · Macon, Missouri 65 No 32
The Bank of Landisburg bankoflandisburg.comFDIC 90384 · Landisburg, Pennsylvania 54 No 32
Partners Bank mypartners.bankFDIC 15729 · Helena, Arkansas 60 No 31
Touchmark National Bank touchmarknb.comFDIC 58687 · Alpharetta, Georgia 72 No 1
Dakota Heritage Bank dhb.bankFDIC 16231 · Hunter, North Dakota 35 No 28
Chelsea State Bank chelseastate.bankFDIC 14009 · Chelsea, Michigan 54 Gated 32
Farmers State Bank of Calhan yourfsb.comblockedFDIC 1780 · Calhan, Colorado; not measured: HTTP 403 — No —
Dakota Western Bank dwb.bankFDIC 8637 · Bowman, North Dakota 50 Gated 31
Bank of Zachary bankofzachary.comFDIC 306 · Zachary, Louisiana 53 No 32
First Lockhart Bank firstlockhart.comFDIC 13599 · Lockhart, Texas 57 Gated 32
Fleetwood Bank fleetwoodbank.comFDIC 13561 · Fleetwood, Pennsylvania 48 Gated 32
Sentry Bank mysentrybank.comFDIC 8546 · Saint Joseph, Minnesota 57 No 32
Paradise Bank paradise.bankFDIC 58030 · Boca Raton, Florida 58 No 32
MCT mctcu.orgNCUA 97089 · Port Neches, TX 61 No 32
IAA iaacu.orgNCUA 68423 · Bloomington, IL 61 No 32
Alliance Community Bank bankacb.comFDIC 9631 · Petersburg, Illinois 44 No 32
CDC cdcfcu.comunreachableNCUA 6053 · Atlanta, GA — No —
First Vision Bank of Tennessee fvb.bankFDIC 58201 · Tullahoma, Tennessee 28 Gated 1
Branson Bank bransonbank.comblockedFDIC 35420 · Branson, Missouri; not measured: HTTP 403 (Akamai) — No —
White Sands wsfcu.orgNCUA 7960 · Las Cruces, NM 71 No 32
First Community Bank firstcb.comFDIC 13179 · Harbor Springs, Michigan 58 No 32
Farmers and Merchants Bank of South Carolina fmbsc.comblockedFDIC 1660 · Holly Hill, South Carolina; not measured: HTTP 403 (Akamai) — No —
Bank of Frankewing bankoffrankewing.comFDIC 1484 · Frankewing, Tennessee 57 No 32
State Bank & Trust statebank.netFDIC 861 · Winfield, Alabama 48 Gated 32
CIBC National Trust Company private-wealth.us.cibc.comFDIC 91325 · Atlanta, Georgia 58 Gated 32
Acadia acadiafcu.orgNCUA 15619 · Fort Kent, ME 61 No 32
Little Horn State Bank littlehornstatebank.comFDIC 11821 · Hardin, Montana 58 No 29
Platinum platinumfcu.orgNCUA 24631 · Duluth, GA 48 No 1
Yolo yolofcu.orgNCUA 9293 · Woodland, CA 35 Gated 32
The Bank of Tioga thebankoftioga.comFDIC 17280 · Tioga, North Dakota 42 No 32
Village Bank villagebankonline.bankFDIC 33761 · Saint Francis, Minnesota 46 Gated 32
Ashland ashlandcu.orgNCUA 61792 · Ashland, KY 49 Gated 32
Interstate interstatecu.orgNCUA 68717 · Jesup, GA 47 No 32
Bank of Lexington, Inc. bankoflexington.netFDIC 58164 · Lexington, Kentucky 48 Gated 32
Exchange Bank exch.bankFDIC 160 · Milledgeville, Georgia 56 No 32
First Community Cu of Beloit firstccu.comblockedNCUA 67214 · Beloit, WI; not measured: HTTP 403 (Cloudflare) — No —
Central Bank of Kansas City centralbankkc.comFDIC 17009 · Kansas City, Missouri 53 No 32
Community Savings Bank communitysavingsbank.bankFDIC 28841 · Chicago, Illinois 58 No 32
First State Bank Southwest firststatebanksw.comFDIC 9770 · Pipestone, Minnesota 64 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