US Banks and Credit Unions
banks-credit-unions
Every active FDIC-insured bank and federally insured credit union, largest by total assets first.
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)) |
|---|---|
| License | Works of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105). |
| How we filtered it | Active 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. |
| Built | 2026-10-11 |
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
| Grade | Share of the cohort | Sites | Share |
|---|---|---|---|
| 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.
| Dimension | Mean 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
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-12 | Do you tell search engines the moment a page changes? | 7198 | 0 | |
| EXT-14 | Does your site offer its actions to AI browsers as tools? | 6856 | 0 | |
| EXT-16 | Do you publish a card or a skills list for the agents you run? | 7198 | 0 | |
| EXT-17 | Do you list your agents in your domain's DNS records? | 7060 | 0 |
Near-universal — 95% and above
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-11 | Have you marked the part of a page that answers a spoken question? | 7198 | 0 | |
| EXT-7 | If you run real question-and-answer pages, are they marked as such? | 326 | 0 | |
| PST-2 | Have you posted a Content Signals statement about what AI may do with your content? | 7198 | 0 | |
| EXT-18 | Do you tell AI shoppers how they can pay? | 516 | 0 | |
| RED-12 | If a machine asks for Markdown, does your site give it? | 7198 | 2 | |
| EXT-2 | Do you list your APIs and agent tools where agents look for them? | 603 | 0 | |
| RED-10 | Do you offer a plain-text (Markdown) copy of your pages? | 5669 | 2 | |
| UND-1 | Does your site say clearly who you are? | 7198 | 2 | |
| UND-5 | Does the author label in your page code point to that person? | 5095 | 1 | |
| RED-5 | Do your PDFs and images have their own rules for search and quoting? | 5472 | 1 | |
| EXT-1 | Do you publish an llms.txt file for coding assistants? | 7198 | 0 |
Common — 90 to 95%
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| RED-11 | Does each page tell machines where its Markdown copy is? | 59 | 1 | |
| UND-2 | Does your site use the page labels that search engines still read for what you publish? | 7197 | 3 | |
| PST-4 | Have you reserved your text and data mining rights in a form machines can read? | 7198 | 0 | |
| EXT-13 | Can an assistant ask your site a question directly? | 7198 | 0 | |
| EXT-4 | Can an AI assistant connect to your site as a tool? | 7198 | 0 | |
| UND-3 | Do the prices and availability in your page code match what the page shows? | 516 | 3 | |
| UND-10 | Does your page code link to your official profiles elsewhere? | 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 3,101–3,200 of 8,519 · page 32 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Panhandle panhandlecu.orgNCUA 68720 · Panama City, FL | 61 | No | 32 | |
| Piedmont Advantage Credit Union pacu.comNCUA 60160 · Winston Salem, NC | 68 | No | 32 | |
| The First National Bank of Oneida fnboneida.comFDIC 4958 · Oneida, Tennessee | 61 | No | 32 | |
| Flatwater Bank flatwater.bankFDIC 10639 · Gothenburg, Nebraska | 61 | No | 30 | |
| Peopleschoice peopleschoicecreditunionNCUA 68442 · Biddeford, ME | 33 | Gated | 1 | |
| Mass Bay massbaycu.orgNCUA 68137 · South Boston, MA | 48 | No | 32 | |
| American Bank americanbankusa.comFDIC 19234 · Covington, Louisiana | 59 | No | 24 | |
| First Shore Federal Savings and Loan Association firstshorefederal.comblockedFDIC 30680 · Salisbury, Maryland; not measured: HTTP 403 (Akamai) | — | No | — | |
| MY mymncu.orgNCUA 60125 · Bloomington, MN | 59 | Gated | 32 | |
| Sunbelt sunbeltfcu.orgNCUA 8905 · Hattiesburg, MS | 53 | Gated | 32 | |
| C-Plant cplant.comNCUA 7524 · Paducah, KY | 62 | No | 32 | |
| Cardinal Credit Union, Inc. cardinalcu.comNCUA 68707 · Mentor, OH | 54 | Gated | 31 | |
| Waterbury Connecticut Teachers wctfcu.comNCUA 22 · Waterbury, CT | 62 | No | 32 | |
| West View Savings Bank wvsbank.comFDIC 27760 · Pittsburgh, Pennsylvania | 49 | Gated | 16 | |
| Class Act classact.orgNCUA 9106 · Louisville, KY | 54 | No | 32 | |
| ProGrowth Bank progrowth.comFDIC 8536 · Nicollet, Minnesota | 44 | Gated | 32 | |
| Aero aerofinancial.comNCUA 12164 · Glendale, AZ | 62 | No | 32 | |
| Marion Community Bank marion-bank.comFDIC 14184 · Marion, Alabama | 59 | No | 32 | |
| Hudson River Community hrccu.orgNCUA 24987 · Corinth, NY | 65 | No | 32 | |
| AmeriFirst Bank amerifirstbank.comFDIC 2838 · Montgomery, Alabama | 48 | No | 1 | |
| Commercial Bank & Trust Company commercial-bank.netblockedFDIC 90 · Monticello, Arkansas; not measured: HTTP 403 (Akamai) | — | No | — | |
| Signal Financial signalfinancialfcu.orgblockedNCUA 5571 · Kensington, MD; not measured: HTTP 403 | — | No | — | |
| The First National Bank of Bangor fnbbangor.netFDIC 5337 · Bangor, Wisconsin | 59 | Gated | 32 | |
| BankStar Financial ebankstar.bankFDIC 496 · Elkton, South Dakota | 48 | Gated | 32 | |
| Shelby County State Bank scs-bank.comFDIC 11702 · Shelbyville, Illinois | 59 | No | 32 | |
| Pioneer Mutual pioneeronline.orgblockedNCUA 24818 · Sugar Land, TX; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Alpine alpinecu.comNCUA 24988 · Orem, UT | 48 | No | 1 | |
| Ih Credit Union, Inc. ihcreditunion.comNCUA 97104 · Springfield, OH | 58 | No | 32 | |
| Desjardins Bank, National Association desjardinsbank.comFDIC 33565 · Hallandale, Florida | 48 | No | 1 | |
| Native American Bank, National Association nativeamericanbank.comFDIC 27026 · Denver, Colorado | 64 | No | 32 | |
| Heritage South Community Cu heritagesouth.orgNCUA 67748 · Shelbyville, TN | 49 | No | 32 | |
| Shell Lake State Bank shelllakestatebank.comFDIC 14911 · Shell Lake, Wisconsin | 50 | Gated | 32 | |
| Montana montanacu.comNCUA 4164 · Great Falls, MT | 67 | No | 32 | |
| Rabun County Bank rabuncountybank.comFDIC 22138 · Clayton, Georgia | 57 | No | 32 | |
| First National Bank in Port Lavaca fnbportlavaca.comFDIC 17811 · Port Lavaca, Texas | 61 | No | 24 | |
| Citizens First Bank gocfb.bankFDIC 35477 · Clinton, Iowa | 28 | Gated | 1 | |
| Heritage Bank National Association heritagebankna.comFDIC 19254 · Spicer, Minnesota | 52 | Gated | 32 | |
| American State Bank americanstatebank.comFDIC 26944 · Osceola, Iowa | 68 | No | 32 | |
| Roxboro Savings Bank, SSB roxborosavings.comFDIC 28471 · Roxboro, North Carolina | 48 | No | 1 | |
| Monterey montereycu.comblockedNCUA 97071 · Monterey, CA; not measured: HTTP 403 | — | No | — | |
| Legacy Bank mylegacybank.netFDIC 19011 · Grundy, Virginia | 45 | No | 25 | |
| Sharepoint sharepointcu.comNCUA 63098 · Bloomington, MN | 52 | Gated | 32 | |
| United Financial unitedfinancialcu.orgNCUA 61657 · Saginaw, MI | 33 | Gated | 32 | |
| Affidian affidiancu.orgNCUA 2847 · Denver, CO | 60 | No | 32 | |
| BankOkolona bankokolona.comblockedFDIC 5902 · Okolona, Mississippi; not measured: HTTP 403 | — | No | — | |
| First National Bank of Decatur County fnbdc.comFDIC 57694 · Bainbridge, Georgia | 33 | Gated | 1 | |
| Infinity Bank infinity.bankFDIC 59098 · Santa Ana, California | 71 | No | 1 | |
| Farmers & Merchants Bank bankwithfm.comFDIC 9462 · Miamisburg, Ohio | 53 | No | 32 | |
| Locus Bank, Inc. locusimpact.orgFDIC 58658 · Richmond, Virginia | 56 | No | 32 | |
| New Horizon Bank, National Association newhorizonbank.comFDIC 58857 · Powhatan, Virginia | 51 | Gated | 32 | |
| United Community Bank ucbankmn.comblockedFDIC 8544 · Perham, Minnesota; not measured: HTTP 403 (Akamai) | — | No | — | |
| Logan Bank & Trust Company lbandt.comFDIC 19285 · Logan, West Virginia | 51 | No | 32 | |
| The Bank of Versailles bankov.comFDIC 1086 · Versailles, Missouri | 33 | Gated | 1 | |
| Citizens Savings Bank citizens-savings.comFDIC 31184 · Clarks Summit, Pennsylvania | 58 | No | 32 | |
| Firefighters Community Cu ffcommunity.comNCUA 96723 · Cleveland, OH | 53 | Gated | 32 | |
| Teutopolis State Bank teutopolisstatebank.comFDIC 11708 · Teutopolis, Illinois | 52 | No | 32 | |
| First Alliance firstalliancecu.comNCUA 62872 · Rochester, MN | 65 | No | 32 | |
| The First National Bank of Mount Dora fnbmd.comFDIC 3579 · Mount Dora, Florida | 60 | No | 32 | |
| Premier Bank premierbanking.comFDIC 34849 · Dubuque, Iowa | 71 | No | 1 | |
| Mobility Credit Union mobilitycu.comNCUA 68606 · Irving, TX | 50 | Gated | 32 | |
| The First National Bank of Gordon fnbgordon.comFDIC 5410 · Gordon, Nebraska | 63 | No | 31 | |
| Community Bank community-bank.netFDIC 31272 · Lexington, Tennessee | 59 | No | 1 | |
| Commercial Bank and Trust of PA cbthebank.comFDIC 14333 · Latrobe, Pennsylvania | 51 | No | 1 | |
| Citizens Bank citizensbankmo.bankFDIC 14488 · New Haven, Missouri | 66 | No | 32 | |
| Murphy Bank murphybank.comFDIC 25726 · Fresno, California | 48 | No | 1 | |
| Flint Community Bank flint.bankFDIC 58074 · Albany, Georgia | 59 | No | 32 | |
| Rivers Edge Bank riversedge.bankFDIC 9935 · Marion, South Dakota | 45 | Gated | 32 | |
| State Street Bank and Trust Company statestreetbank.comFDIC 14857 · Quincy, Illinois | 62 | No | 32 | |
| The Pauls Valley National Bank pvnb.comFDIC 4173 · Pauls Valley, Oklahoma; the reported address pointed at a page, the site root is scanned | 33 | Gated | 1 | |
| MCNB Bank and Trust Co. mcnbbanks.comFDIC 6803 · Welch, West Virginia | 46 | No | 32 | |
| Hoosier Heartland State Bank myhhsb.comFDIC 15566 · Crawfordsville, Indiana | 59 | No | 31 | |
| First National Bank of Giddings fnbgiddings.comFDIC 3217 · Giddings, Texas | 66 | No | 31 | |
| Industrial ifcu.comNCUA 24026 · Lafayette, IN | 49 | No | 32 | |
| Matadors Community matadors.orgNCUA 68483 · Northridge, CA | 68 | No | 32 | |
| Union Bank & Trust Company unionbnk.comblockedFDIC 1753 · Monticello, Arkansas; not measured: HTTP 403 | — | No | — | |
| Interamerican Bank, A FSB interamericanbank.comblockedFDIC 31823 · Miami, Florida; not measured: HTTP 403 | — | No | — | |
| Peninsula peninsulafcu.comNCUA 4291 · Escanaba, MI | 45 | Gated | 32 | |
| OSB Community Bank myosb.bankblockedFDIC 27989 · Ottawa, Illinois; not measured: HTTP 403 | — | No | — | |
| Ireland Bank ireland-bank.bankFDIC 1237 · Malad City, Idaho | 76 | No | 32 | |
| Great Southern Bank greatsouthern.bankblockedFDIC 8552 · Meridian, Mississippi; not measured: HTTP 403 (Akamai) | — | No | — | |
| Harvest Bank harvestbank.comFDIC 11415 · Kimball, Minnesota | 63 | No | 31 | |
| The Campbell & Fetter Bank campbellfetterbank.comFDIC 16757 · Kendallville, Indiana | 28 | Gated | 1 | |
| Sooner State Bank soonerstatebank.comFDIC 402 · Tuttle, Oklahoma | 36 | No | 26 | |
| F&M Bank fmbankne.bankblockedFDIC 14922 · West Point, Nebraska; not measured: HTTP 403 (Akamai) | — | No | — | |
| Frazer Bank frazerbank.comFDIC 4031 · Altus, Oklahoma | 59 | No | 32 | |
| Cloverbelt ccuwausau.comNCUA 66844 · Wausau, WI | 66 | No | 32 | |
| NET netcreditunion.comNCUA 4792 · Scranton, PA | 48 | No | 1 | |
| The Hocking Valley Bank hvbonline.comFDIC 18858 · Athens, Ohio | 63 | No | 32 | |
| First State Bank of DeKalb County fsbal.comFDIC 23815 · Fort Payne, Alabama | 60 | No | 24 | |
| The Waggoner National Bank of Vernon wnbvernon.comblockedFDIC 5569 · Vernon, Texas; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Citizens Bank of Ada citizensada.bankFDIC 19679 · Ada, Oklahoma | 55 | No | 32 | |
| United Southern Bank usbky.comblockedFDIC 9309 · Hopkinsville, Kentucky; not measured: HTTP 403 (Akamai) | — | No | — | |
| First State Bank of Texas fsboftx.comFDIC 11922 · Orange, Texas | 49 | Gated | 31 | |
| Granite Bank granitebank.comblockedFDIC 5116 · Cold Spring, Minnesota; not measured: HTTP 403 | — | No | — | |
| Mutual Savings Bank mymsb.bankblockedFDIC 27742 · Franklin, Indiana; not measured: HTTP 403 | — | No | — | |
| Glenwood State Bank glenwoodstatebank.comFDIC 956 · Glenwood, Iowa | 52 | Gated | 23 | |
| Citizens Community Bank ccbank.netblockedFDIC 33739 · Winchester, Tennessee; not measured: HTTP 403 | — | No | — | |
| Pse Credit Union, Inc. psecreditunion.orgNCUA 96768 · Parma, OH | 58 | No | 27 | |
| Sterling Bank sterlingbank.wsFDIC 6195 · Barron, Wisconsin | 53 | Gated | 32 | |
| Business Bank, The thebusinessbank.comblockedFDIC 59298 · S Burlington, Vermont; not measured: HTTP 403 (Cloudflare) | — | 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