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 3,001–3,100 of 8,519 · page 31 of 86

SiteScore GatedPages read Report
The Peoples Community Bank thepcb.bankFDIC 15046 · Mazomanie, Wisconsin 50 Gated 32
Owen County State Bank ocsbank.comblockedFDIC 13112 · Spencer, Indiana; not measured: HTTP 403 (Akamai) — No —
Security State Bank of Oklahoma ssbok.comFDIC 8980 · Wewoka, Oklahoma 28 Gated 1
First National Bank & Trust Company firstnbtc.comFDIC 3639 · Clinton, Illinois 42 No 32
Universal Bank universalbank.comFDIC 30722 · West Covina, California 28 Gated 1
Arsenal arsenalcu.comNCUA 67195 · Arnold, MO 57 No 32
Fox Valley Savings Bank fvsbank.comFDIC 29188 · Fond Du Lac, Wisconsin 28 Gated 1
Lincoln FSB of Nebraska lincolnfed.comFDIC 29692 · Lincoln, Nebraska 47 Gated 32
BankGloucester bankgloucester.comFDIC 26536 · Gloucester, Massachusetts 53 No 32
Central Bank centralbankfl.comFDIC 58377 · Tampa, Florida 58 No 32
The Home Loan Savings Bank homeloansavingsbank.comFDIC 29695 · Coshocton, Ohio 68 No 32
First National Bank & Trust Co. fnbimk.comFDIC 5062 · Iron Mountain, Michigan 47 No 32
First National Bank of Clarksdale fnbclarksdale.comFDIC 19070 · Clarksdale, Mississippi 61 No 32
Security Federal Savings Bank of McMinnville secfed.netFDIC 31146 · Mcminnville, Tennessee 57 No 32
First United National Bank fun-bank.comFDIC 7886 · Fryburg, Pennsylvania 47 No 20
Yoakum Bank ynbtx.comFDIC 5595 · Yoakum, Texas 33 Gated 1
Wolf River Community Bank wolfriverbank.comblockedFDIC 34240 · Hortonville, Wisconsin; not measured: HTTP 403 — No —
Mutual Security mscu.netNCUA 68479 · Shelton, CT 63 No 32
American Continental Bank americancontinentalbank.comblockedFDIC 57444 · City Of Industry, California; not measured: HTTP 403 (Akamai) — No —
Sage sagecu.orgNCUA 960 · Klamath Falls, OR 53 Gated 32
New Valley Bank & Trust banknewvalley.comFDIC 59143 · Springfield, Massachusetts 51 Gated 32
Cattaraugus County Bank countonccb.comFDIC 12959 · Little Valley, New York 46 Gated 32
The Fahey Banking Company faheybank.comFDIC 2068 · Marion, Ohio 48 No 1
Pinnacle Bank pinnaclebanc.comFDIC 29548 · Jasper, Alabama 55 No 32
RockPointBank, National Association rockpoint.bankFDIC 59206 · Chattanooga, Tennessee 60 No 32
First FarmBank firstfarmbank.comFDIC 58508 · Greeley, Colorado 62 No 32
Byron Bank byronbank.comblockedFDIC 902 · Byron, Illinois; not measured: HTTP 403 (Cloudflare) — No —
The Riddell National Bank riddellonline.comFDIC 4318 · Brazil, Indiana 40 Gated 32
First State Bank fsbankia.comblockedFDIC 5821 · Lynnville, Iowa; not measured: HTTP 403 — No —
McCurtain County National Bank mcnbonline.comFDIC 23798 · Broken Bow, Oklahoma 50 Gated 24
The Libertyville Savings Bank lsbia.bankFDIC 13712 · Fairfield, Iowa 63 No 32
The Delaware National Bank of Delhi dnbd.bankFDIC 7025 · Delhi, New York 48 No 32
Cy-Fair cyfairfcu.orgNCUA 11452 · Houston, TX 56 No 32
Citizens Bank & Trust Company cbtky.comFDIC 15675 · Campbellsville, Kentucky 64 No 32
The Harbor Bank of Maryland theharborbank.comblockedFDIC 24015 · Baltimore, Maryland; not measured: HTTP 403 (Akamai) — No —
American Community Bank of Indiana acbanker.comFDIC 29878 · Saint John, Indiana 51 Gated 32
Premier premiercu.orgblockedNCUA 64271 · Des Moines, IA; not measured: HTTP 403 (Cloudflare) — No —
Sandhills State Bank sandhills.bankFDIC 13892 · North Platte, Nebraska 58 No 32
American United amucu.orgNCUA 8187 · West Jordan, UT 65 No 32
Earlham Savings Bank earlhambank.comFDIC 5796 · West Des Moines, Iowa 59 No 32
TCM Bank, National Association tcmbank.comFDIC 34535 · Tampa, Florida 65 No 27
Municipal Trust and Savings Bank municipalbank.comFDIC 23546 · Bourbonnais, Illinois 62 No 32
Commercial Bank commercialbank.netFDIC 11777 · Parsons, Kansas 55 No 32
City Bank & Trust Co. mycitybank.comFDIC 12608 · Natchitoches, Louisiana 57 Gated 31
First Federal Savings and Loan Association firstwithus.comFDIC 30812 · Pascagoula, Mississippi 33 Gated 1
Guaranty State Bank and Trust Company guarantystate.comblockedFDIC 10907 · Beloit, Kansas; not measured: HTTP 403 — No —
ESB Financial esbfinancial.comFDIC 16629 · Emporia, Kansas 58 No 31
United Roosevelt Savings Bank ursb.bankFDIC 29170 · Carteret, New Jersey 62 No 32
RSNB Bank rsnb.comFDIC 2229 · Rock Springs, Wyoming 61 No 32
Abri abricu.comNCUA 97086 · Romeoville, IL 49 No 7
Crossroads Bank crbanktx.comFDIC 10709 · Yoakum, Texas 56 No 32
Pine Country Bank pinecountrybank.comFDIC 13652 · Little Falls, Minnesota 43 No 32
Ignite ignitecreditunion.comNCUA 62072 · Battle Creek, MI 56 No 17
Banner Capital Bank bcbank.netFDIC 19274 · Harrisburg, Nebraska 28 Gated 1
Merchants & Planters' Bank mandp.bankFDIC 16464 · Newport, Arkansas 67 No 32
Bank of Hays bankofhays.comblockedFDIC 17769 · Hays, Kansas; not measured: HTTP 403 (Cloudflare) — No —
Orlando orlandocreditunion.orgNCUA 68706 · Orlando, FL 45 Gated 32
Prospera myprospera.comNCUA 66652 · Appleton, WI 59 Gated 32
North Star Bank northstarbank.comFDIC 16733 · Roseville, Minnesota 29 Gated 1
5Star Bank 5star.bankFDIC 91005 · Colorado Springs, Colorado 53 No 32
Sea West Coast Guard seawest.coopNCUA 12814 · Oakland, CA 70 No 32
Bank of Commerce & Trust Co. bankofcommerceandtrust.comblockedFDIC 10523 · Crowley, Louisiana; not measured: HTTP 403 (Cloudflare) — No —
Bank of O'Fallon bankofallon.comFDIC 18171 · O'Fallon, Illinois 28 Gated 1
Trustar trustarfcu.comNCUA 24626 · International F, MN 61 No 32
Lamar National Bank lamarnational.comFDIC 23597 · Paris, Texas 50 Gated 1
West-Aircomm westaircomm.comNCUA 6233 · Beaver, PA 56 Gated 32
Peoples Bank of Kankakee County peoplesbankdirect.comFDIC 18566 · Bourbonnais, Illinois 47 Gated 32
The Fisher National Bank fishernational.comFDIC 17513 · Fisher, Illinois 58 No 32
Tower Community Bank towercommunitybank.comblockedFDIC 20100 · Jasper, Tennessee; not measured: HTTP 403 (Akamai) — No —
OUR ourcuonline.orgNCUA 62028 · Royal Oak, MI 45 Gated 32
Georgia Community Bank gcb.bankFDIC 35320 · Albany, Georgia 59 No 32
Pasadena pfcu.orgNCUA 594 · Monrovia, CA 61 No 31
Great Northwest greatnwfcu.comNCUA 24606 · Aberdeen, WA 52 Gated 32
Community First National Bank cfnb.bankFDIC 35585 · Manhattan, Kansas 52 No 31
The Farmers Bank of Appomattox thefarmersbankva.comFDIC 6813 · Appomattox, Virginia 61 No 32
Gilmer National Bank, Gilmer, Texas gnbgilmer.comFDIC 3219 · Gilmer, Texas 48 Gated 32
First Federal Community Bank of Bucyrus ffcb.comFDIC 29705 · Bucyrus, Ohio 47 Gated 32
Golden Belt Bank, FSA goldenbeltbank.comFDIC 28735 · Hays, Kansas 41 No 32
The North Country Savings Bank northcountrysavings.bankFDIC 16030 · Canton, New York 47 Gated 32
Piscataqua Savings Bank piscataqua.comFDIC 17443 · Portsmouth, New Hampshire 68 No 32
Great Basin greatbasin.orgNCUA 7063 · Reno, NV 56 Gated 32
First National Bank fnbhamilton.comFDIC 22271 · Hamilton, Alabama 58 Gated 32
St. Jean's stjeanscu.comNCUA 67959 · Lynn, MA 52 No 32
Allegiance allegiancecu.orgNCUA 24936 · Oklahoma City, OK 66 No 32
Mountain mountaincu.orgunreachableNCUA 68531 · Waynesville, NC — No —
First State Bank firstclassbanking.comFDIC 16695 · Stratford, Texas 47 No 32
The First National Bank of Grayson fnbgrayson.comFDIC 2695 · Grayson, Kentucky 49 Gated 29
Pioneer Bank pioneerbks.comFDIC 6913 · Stanley, Virginia 59 No 32
Marshall Community marshallcommunitycu.comNCUA 62160 · Marshall, MI 60 No 32
Upper Peninsula State Bank upstatebank.netblockedFDIC 1090 · Escanaba, Michigan; not measured: HTTP 403 — No —
First Nebraska Bank firstnebraska.bankFDIC 12248 · Valley, Nebraska 51 No 32
Premier Bank of the South premierbankofthesouth.comFDIC 27118 · Cullman, Alabama 56 No 32
FlatIrons Bank flatirons.bankFDIC 57280 · Boulder, Colorado 33 Gated 1
Oxford ofcu.orgNCUA 2645 · Mexico, ME 57 No 32
First Bank Elk River elkriver.bankFDIC 5136 · Elk River, Minnesota 57 No 32
West Pointe Bank westptebank.comFDIC 34162 · Oshkosh, Wisconsin 62 No 32
The Bank of Romney bankofromney.netFDIC 845 · Romney, West Virginia 56 No 32
Summit summitcu.orgNCUA 63020 · Greensboro, NC 51 Gated 32
First Capital firstcapitalfcu.comNCUA 24490 · York, PA 61 No 32
First National Bank of Griffin fnbgriffin.comFDIC 169 · Griffin, Georgia 28 Gated 1

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