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 2,901–3,000 of 8,519 · page 30 of 86

SiteScore GatedPages read Report
Waterfall Bank waterfallbank.comFDIC 59265 · Clearwater, Florida 28 Gated 1
Park View pvfcu.orgNCUA 19541 · Harrisonburg, VA 63 No 32
Commercial Banking Company cbcbank.comFDIC 16246 · Valdosta, Georgia 63 No 31
Eagle Community eaglecu.orgNCUA 66847 · Lake Forest, CA 46 Gated 32
Nymeo nymeo.orgNCUA 16408 · Frederick, MD 46 Gated 32
Wyhy wyhy.orgNCUA 9094 · Cheyenne, WY 48 No 1
Pike National Bank pnb-ms.netFDIC 26379 · Mccomb, Mississippi 58 No 31
Winter Hill Bank, FSB winterhillbank.comblockedFDIC 28213 · Somerville, Massachusetts; not measured: HTTP 403 (Cloudflare) — No —
Southern Bank thesouthern.bankFDIC 16288 · Spartanburg, South Carolina 63 Gated 32
The First National Bank of Elmer elmerbank.comunreachableFDIC 6464 · Elmer, New Jersey — No —
Highlands Bank highlands.bankFDIC 11953 · Petersburg, West Virginia 55 No 32
Bank of the Bluegrass and Trust Company bankofthebluegrass.comFDIC 21161 · Lexington, Kentucky 28 Gated 1
Navigator navigatorcu.orgNCUA 24954 · Pascagoula, MS 35 Gated 32
Cahp cahpcu.orgNCUA 95071 · Sacramento, CA 54 No 23
Monroe Community monroecommunitycu.orgNCUA 61748 · Monroe, MI 49 No 32
First Trust Bank of Illinois firsttrustbankil.comFDIC 34778 · Kankakee, Illinois 64 No 32
Blucurrent blucurrent.orgNCUA 61790 · Springfield, MO 62 No 32
Founders Bank founders.bankFDIC 59193 · Washington, District Of Columbia 60 No 32
Denver Community Cu D.b.a. Zing Cu myzing.comNCUA 68616 · Denver, CO 62 No 32
Popa popafcu.orgNCUA 23004 · Cerritos, CA 60 No 32
Anchor D Bank anchordbank.comblockedFDIC 4208 · Texhoma, Oklahoma; not measured: HTTP 403 (Akamai) — No —
Forte Bank fortebankwi.comFDIC 5297 · Hartford, Wisconsin 28 Gated 1
Ocean Financial oceanfinancial.orgNCUA 19269 · Oceanside, NY 64 Gated 32
HomeBank Texas homebanktx.comFDIC 17094 · Seagoville, Texas 28 Gated 1
Partnership Financial mypfcu.orgNCUA 62854 · Morton Grove, IL 53 No 32
First Citizens Bank fcbl.comFDIC 23152 · Luverne, Alabama 55 No 32
Hardin County Savings Bank hardincsb.comFDIC 5817 · Eldora, Iowa 40 Gated 32
GreenWay Bank greenwaybank.comFDIC 29495 · Van Wert, Ohio 67 No 32
Crown Bank crown-bank.comFDIC 35480 · Edina, Minnesota 43 Gated 32
First State Bank firststatebankky.comFDIC 12149 · Irvington, Kentucky 48 Gated 32
BankCherokee bankcherokee.comFDIC 8537 · Saint Paul, Minnesota 68 No 32
Ancorum ancorumcu.comNCUA 67993 · Bath, ME 69 No 32
Houston Texas Fire Fighters htfffcu.orgNCUA 258 · Houston, TX 57 No 32
Avenir Financial avenirfinancial.orgNCUA 4915 · Yuma, AZ 54 Gated 32
Alltru alltrucu.orgNCUA 24774 · Wentzville, MO 48 No 1
The Security National Bank of Enid snbenid.comFDIC 14966 · Enid, Oklahoma 58 No 32
Case casecu.orgNCUA 61908 · Lansing, MI 60 No 32
San Antonio Citizens sacfcu.orgNCUA 10699 · San Antonio, FL 53 Gated 32
Big Horn Federal Savings Bank bighornfederal.comFDIC 29637 · Greybull, Wyoming 58 No 18
The Garrett State Bank garrettstatebank.comFDIC 8074 · Garrett, Indiana 33 Gated 1
Pony Express Bank ponyexpressbank.comFDIC 4526 · Braymer, Missouri 71 No 1
Wepco wepcofcu.comNCUA 6685 · Bloomington, MD 55 Gated 32
Liberty Bank, National Association libertybk.comFDIC 35331 · Irvine, California 66 No 25
Bank of St. Francisville bsf.netFDIC 22739 · Saint Francisville, Louisiana 40 Gated 32
Mutual Savings Association msa.bankblockedFDIC 29988 · Leavenworth, Kansas; not measured: HTTP 403 (Akamai) — No —
Wauna waunafcu.orgNCUA 17990 · Clatskanie, OR 55 No 32
Signet signetfcu.comNCUA 23949 · Paducah, KY 63 No 32
First Sentinel Bank firstsentinelbank.comFDIC 31928 · Richlands, Virginia 57 No 32
Southern Heritage Bank shbnet.comFDIC 20698 · Jonesville, Louisiana 60 Gated 32
Park City parkcitycu.orgNCUA 67196 · Merrill, WI 53 No 32
Singing River srfcu.orgNCUA 8694 · Moss Point, MS 57 No 32
Fort Financial fortfinancial.orgNCUA 5431 · Fort Wayne, IN 48 Gated 32
Volunteer Federal Savings Bank volfed.comFDIC 31694 · Madisonville, Tennessee 49 No 1
The Citizens National Bank of Park Rapids cnbbank.comFDIC 5223 · Park Rapids, Minnesota 67 No 32
The Shelby State Bank shelbybank.comFDIC 10157 · Shelby, Michigan 59 No 32
Missouri Electric Cooperatives Empl mececu.comNCUA 67739 · Jefferson City, MO 44 Gated 32
Union Bank ubmich.comFDIC 14722 · Grand Rapids, Michigan 63 No 32
Community Bank of Santa Maria yourcbsm.comblockedFDIC 57073 · Santa Maria, California; not measured: HTTP 403 (Akamai) — No —
The Clinton National Bank clintonnational.comFDIC 4439 · Clinton, Iowa 47 No 31
First Secure Bank and Trust Co. firstsecurebank.comblockedFDIC 22536 · Palos Hills, Illinois; not measured: HTTP 403 (Cloudflare) — No —
Locality Bank localitybank.comFDIC 59278 · Fort Lauderdale, Florida 67 No 15
First Iowa State Bank 1stiowa.bankFDIC 14930 · Albia, Iowa 57 No 31
The Farmers State Bank of Oakley, Kansas fsboakley.comFDIC 1867 · Oakley, Kansas 52 Gated 32
Grant County State Bank grantcostatebank.comFDIC 15687 · Swayzee, Indiana 49 No 32
Peoples State Bank of Hallettsville psbhallettsville.comFDIC 10719 · Hallettsville, Texas 47 No 21
Austin Capital Bank SSB austincapitalbank.comFDIC 58082 · Austin, Texas 51 No 9
Peoples Trust Company of St. Albans ptcvt.comFDIC 14168 · Saint Albans, Vermont 51 Gated 31
Ascendia Bank ascendiabank.comFDIC 28729 · Glen Rock, New Jersey 61 No 32
Southern Independent Bank southernindependentbank.comFDIC 58357 · Opp, Alabama 63 No 32
Citizens Bank of the South cbots.comFDIC 19420 · Sandersville, Georgia 52 Gated 32
First Westroads Bank, Inc. firstwestroads.bankFDIC 19742 · Omaha, Nebraska 52 No 32
The First National Bank of Stanton fnbstanton.comFDIC 5536 · Stanton, Texas 28 Gated 1
The Bank of Glen Burnie thebankofglenburnie.comFDIC 16820 · Glen Burnie, Maryland 29 Gated 1
First National Bank of Pana fnbquality.bankFDIC 3720 · Pana, Illinois 28 Gated 1
Balboa Thrift and Loan Association balboathrift.comFDIC 26704 · Chula Vista, California 58 No 32
Fort Sill fsfcu.comNCUA 10832 · Lawton, OK 48 No 1
Unison unisoncu.orgNCUA 66851 · Kaukauna, WI 62 No 31
TrustTexas Bank, SSB trusttexas.bankFDIC 28515 · Cuero, Texas 64 No 32
The Community State Bank thecommunitysb.comFDIC 20279 · Poteau, Oklahoma 61 No 32
UniBank unibankusa.comFDIC 58407 · Lynnwood, Washington 61 No 30
Iowa State Bank iowastatebank.comblockedFDIC 15947 · Clarksville, Iowa; not measured: HTTP 403 (Akamai) — No —
Cascade cascadefcu.orgNCUA 7748 · Kent, WA 57 No 32
The Exchange Bank of Alabama exba.comFDIC 54 · Altoona, Alabama 65 No 32
Inspire inspirefcu.orgNCUA 1759 · Newtown, PA 33 Gated 1
Great Plains State Bank gpsbanks.comFDIC 14058 · Petersburg, Nebraska 71 No 32
TEN tencu.comNCUA 66886 · Nashville, TN 55 No 32
Industrial Cu of Whatcom County industrialcu.comblockedNCUA 66337 · Bellingham, WA; not measured: HTTP 403 — No —
Beacon Credit Union, Incorporated mybcu.orgNCUA 66965 · Lynchburg, VA 60 Gated 32
Waypoint Bank waypointbank.comFDIC 5394 · Cozad, Nebraska 52 No 32
Farmers State Bank fsbctx.bankFDIC 13407 · Center, Texas 36 Gated 32
Fremont fremontfcu.comNCUA 5370 · Fremont, OH 61 No 32
Alliance Bank alliancebanking.comFDIC 34566 · Cape Girardeau, Missouri 54 Gated 32
First Exchange Bank firstexchangebank.comFDIC 13020 · White Hall, West Virginia 70 No 32
Park Side Financial parksidefcu.comNCUA 68647 · Whitefish, MT 51 No 13
San Luis Valley Federal Bank slvfed.bankFDIC 28208 · Alamosa, Colorado 43 Gated 32
Bloomsdale Bank bloomsdalebank.comFDIC 9788 · Bloomsdale, Missouri 40 Gated 32
The First Citizens National Bank of Upper Sandusky firstcitizensnational.comblockedFDIC 14355 · Upper Sandusky, Ohio; not measured: HTTP 403 — No —
TBA tbacu.comNCUA 61795 · Traverse City, MI 51 Gated 32
Lakeside Bank lbtexas.comFDIC 21693 · Rockwall, Texas 71 No 1
The MINT National Bank themint.bankblockedFDIC 58764 · Kingwood, Texas; not measured: HTTP 403 — No —

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