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 201–300 of 8,519 · page 3 of 86

SiteScore GatedPages read Report
Wright-Patt Credit Union, Inc. wpcu.coopNCUA 66328 · Beavercreek, OH 59 No 32
San Diego County sdccu.comNCUA 61004 · San Diego, CA 54 Gated 32
Onpoint Community onpointcu.comNCUA 62745 · Portland, OR 54 No 32
Peoples Bank peoplesbancorp.comFDIC 6544 · Marietta, Ohio 51 Gated 32
American Airlines aacreditunion.orgNCUA 23957 · Fort Worth, TX 45 Gated 32
Amalgamated Bank amalgamatedbank.comFDIC 622 · New York, New York 68 No 32
Liberty Bank liberty-bank.comFDIC 17943 · Middletown, Connecticut 53 No 32
Broadview broadviewfcu.comNCUA 51 · Albany, NY 62 No 32
1st Source Bank 1stsource.comFDIC 9087 · South Bend, Indiana 61 No 32
Lake Forest Bank & Trust Company, National Association lakeforestbank.comblockedFDIC 27589 · Lake Forest, Illinois; not measured: HTTP 406 — No —
Union Bank and Trust Company ubt.comFDIC 13421 · Lincoln, Nebraska 66 No 32
First American Trust, FSB firstamtrust.comFDIC 26312 · Santa Ana, California 47 No 28
The Bancorp Bank, National Association thebancorp.comFDIC 35444 · Sioux Falls, South Dakota 55 No 32
Pinnacle Bank pinnbank.comFDIC 10634 · Lincoln, Nebraska 51 Gated 32
Veridian veridiancu.orgblockedNCUA 64418 · Waterloo, IA; not measured: HTTP 403 (Imperva) — No —
Space Coast sccu.comNCUA 67297 · Melbourne, FL 53 Gated 32
First Mid Bank & Trust, National Association firstmid.comFDIC 3705 · Mattoon, Illinois 63 No 32
Merrick Bank merrickbank.comFDIC 34519 · South Jordan, Utah 53 No 32
Delta Community deltacommunitycu.comNCUA 66357 · Atlanta, GA 69 No 32
American Savings Bank, National Association asbhawaii.comFDIC 32526 · Honolulu, Hawaii 49 Gated 32
Communityamerica communityamerica.comNCUA 15732 · Lenexa, KS 52 Gated 32
Woodforest National Bank woodforest.comFDIC 23220 · The Woodlands, Texas 57 No 32
b1BANK b1bank.comblockedFDIC 58228 · Baton Rouge, Louisiana; not measured: HTTP 403 — No —
Michigan State University msufcu.orgblockedNCUA 23279 · East Lansing, MI; not measured: HTTP 403 (Cloudflare) — No —
Metropolitan Commercial Bank mcbankny.comFDIC 34699 · New York, New York 33 Gated 1
Salem Five Cents Savings Bank salemfive.comFDIC 23296 · Salem, Massachusetts 55 No 32
Tompkins Bank & Trust tompkinsbank.comFDIC 609 · Ithaca, New York 62 No 32
Wells Fargo National Bank West wellsfargo.comFDIC 27389 · Las Vegas, Nevada 52 Gated 32
Southside Bank southside.comFDIC 18297 · Tyler, Texas 44 Gated 32
Members 1St members1st.orgNCUA 6694 · Enola, PA 51 Gated 32
First American Bank firstambank.comblockedFDIC 3657 · Elk Grove Village, Illinois; not measured: HTTP 403 (Cloudflare) — No —
Redstone redfcu.orgNCUA 7544 · Huntsville, AL 60 No 31
First Security Bank fsbank.comFDIC 5633 · Searcy, Arkansas 54 No 25
Bellco bellco.orgNCUA 68437 · Greenwood Villa, CO 57 No 32
Cross River Bank crossriverbank.comFDIC 58410 · Fort Lee, New Jersey 55 No 1
Summit summitcreditunion.comblockedNCUA 67190 · Madison, WI; not measured: HTTP 403 (Cloudflare) — No —
Citizens Equity First cefcu.comNCUA 68448 · Peoria, IL 61 No 32
Forbright Bank forbrightbank.comFDIC 57614 · Potomac, Maryland 48 No 1
German American Bank germanamerican.comFDIC 17393 · Jasper, Indiana 59 No 32
Heritage Bank heritagebanknw.comblockedFDIC 29012 · Olympia, Washington; not measured: HTTP 403 (Cloudflare) — No —
CNB Bank cnbbank.bankFDIC 13876 · Clearfield, Pennsylvania 58 No 32
BankPlus bankplus.netFDIC 5903 · Belzoni, Mississippi 48 No 1
Poppy Bank poppy.bankFDIC 57903 · Santa Rosa, California 61 Gated 31
Univest Bank and Trust Co. univest.netFDIC 7759 · Souderton, Pennsylvania 42 Gated 32
Hudson Valley hvcu.orgNCUA 24984 · Poughkeepsie, NY 41 No 1
Dfcu Financial dfcufinancial.comNCUA 61844 · Dearborn, MI 39 Gated 32
Peapack Private Bank & Trust peapackprivate.comFDIC 11035 · Bedminster, New Jersey 60 No 32
Hanmi Bank hanmi.comFDIC 24170 · Los Angeles, California 72 No 32
Landmark landmarkcu.comNCUA 66751 · Brookfield, WI 55 Gated 32
Bankers Trust Company bankerstrust.comblockedFDIC 953 · Des Moines, Iowa; not measured: HTTP 403 (Cloudflare) — No —
Stockman Bank of Montana stockmanbank.comFDIC 16191 · Miles City, Montana 52 No 7
Bangor Savings Bank bangor.comFDIC 18408 · Bangor, Maine 71 No 32
Preferred Bank preferredbank.comFDIC 33539 · Los Angeles, California 64 No 32
Equity Bank equitybank.comFDIC 25858 · Andover, Kansas 52 Gated 32
Kearny Bank kearnybank.comFDIC 28765 · Kearny, New Jersey 60 No 32
Ocean Bank oceanbank.comFDIC 24156 · Miami, Florida 62 No 31
Bank of Colorado bankofcolorado.comFDIC 16980 · Fort Collins, Colorado 53 Gated 32
Ridgewood Savings Bank ridgewoodbank.comblockedFDIC 16026 · Ridgewood, New York; not measured: HTTP 403 (Cloudflare) — No —
Northpointe Bank northpointe.comFDIC 34953 · Grand Rapids, Michigan 69 No 32
Central Pacific Bank cpb.bankFDIC 17308 · Honolulu, Hawaii 43 No 32
Needham Bank needhambank.comblockedFDIC 26483 · Needham, Massachusetts; not measured: HTTP 403 (Cloudflare) — No —
Bank of India no website on recordFDIC 33648 · New York, New York; no web address reported to the FDIC — No —
Tbk Bank, Ssb tbkbank.comFDIC 23498 · Dallas, Texas 61 Gated 32
Mizrahi Tefahot Bank, Ltd. no website on recordFDIC 33661 · Los Angeles, California; no web address reported to the FDIC — No —
Virginia vacu.orgNCUA 24962 · Richmond, VA 71 No 32
Pathward, National Association pathward.comFDIC 30776 · Sioux Falls, South Dakota 50 Gated 32
Mission missionfed.comNCUA 14384 · San Diego, CA 63 No 32
Lake City Bank lakecitybank.comFDIC 13102 · Warsaw, Indiana 28 Gated 1
The Farmers National Bank of Canfield farmersbankgroup.comFDIC 6540 · Canfield, Ohio 48 No 1
Johnson Bank johnsonfinancialgroup.comFDIC 20296 · Racine, Wisconsin 56 No 32
Bank Fund Staff bfsfcu.orgblockedNCUA 5582 · Washington, DC; not measured: HTTP 403 (Cloudflare) — No —
Republic Bank & Trust Company republicbank.comFDIC 23627 · Louisville, Kentucky 57 No 32
Mid Penn Bank midpennbank.comFDIC 9889 · Millersburg, Pennsylvania 52 Gated 31
Cambridge Savings Bank cambridgesavings.comFDIC 17870 · Cambridge, Massachusetts 65 No 32
Community Trust Bank, Inc. ctbi.comblockedFDIC 2720 · Pikeville, Kentucky; not measured: HTTP 403 — No —
The Camden National Bank camdennational.bankFDIC 4255 · Camden, Maine 62 No 32
Citadel citadelbanking.comNCUA 2099 · Exton, PA 56 Gated 32
Old Second National Bank oldsecond.comFDIC 3603 · Aurora, Illinois 51 No 32
Community First communityfirstcu.orgNCUA 66642 · Appleton, WI 47 No 19
Gesa gesa.comblockedNCUA 68278 · Richland, WA; not measured: HTTP 403 (Cloudflare) — No —
First National Bank of America fnba.comFDIC 17438 · East Lansing, Michigan 50 No 32
Hinsdale Bank & Trust Company, National Association hinsdalebank.comblockedFDIC 33849 · Hinsdale, Illinois; not measured: HTTP 406 — No —
Kinecta kinecta.orgblockedNCUA 4142 · Manhattan Beach, CA; not measured: challenge page (Imperva) — No —
Intrust Bank, National Association intrustbank.comFDIC 4799 · Wichita, Kansas 59 Gated 32
City National Bank of West Virginia bankatcity.comFDIC 17735 · Charleston, West Virginia 66 No 32
Third Coast Bank thirdcoast.bankblockedFDIC 58716 · Humble, Texas; not measured: HTTP 403 — No —
Heartland Bank and Trust Company hbtbank.comFDIC 20369 · Bloomington, Illinois 55 Gated 32
University of Wisconsin uwcu.orgNCUA 66492 · Madison, WI 57 No 32
Service servicecu.orgNCUA 24921 · Portsmouth, NH 48 No 1
Alpine Bank alpinebank.comFDIC 23091 · Glenwood Springs, Colorado 59 No 32
Midland States Bank midlandsb.comFDIC 1040 · Effingham, Illinois 70 No 32
First Bank first.bankFDIC 12229 · St. Louis, Missouri 56 No 32
Wescom Central wescom.orgNCUA 66703 · Pasadena, CA 55 Gated 32
Smbc Manubank smbcmanubank.comFDIC 18618 · Los Angeles, California 58 No 32
Genisys genisyscu.orgNCUA 68536 · Auburn Hills, MI 28 Gated 1
The Washington Trust Company, of Westerly washtrust.comFDIC 23623 · Westerly, Rhode Island 61 Gated 32
Horizon Bank horizonbank.comFDIC 4360 · Michigan City, Indiana 55 No 32
TrustCo Bank trustcobank.comFDIC 31945 · Glenville, New York 46 Gated 32
United Fidelity Bank, fsb unitedfidelity.comFDIC 29566 · Evansville, Indiana 57 No 32
Baxter bcu.orgNCUA 68187 · Vernon Hills, IL 49 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