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 3,201–3,300 of 8,519 · page 33 of 86

SiteScore GatedPages read Report
Iowa State Bank and Trust Company of Fairfield, Iowa myiowastatebank.comFDIC 14413 · Fairfield, Iowa 33 Gated 1
Siouxland siouxlandfederalcu.comNCUA 24327 · South Sioux Cit, NE 54 No 31
1st Trust Bank, Inc. 1tbi.comFDIC 57869 · Hazard, Kentucky 54 No 31
Elko efcu.orgNCUA 13800 · Elko, NV 59 No 32
Kirkwood Bank & Trust Co. kirkwoodbank.comFDIC 21928 · Bismarck, North Dakota 57 No 1
Myusa myusacu.comNCUA 96755 · Middletown, OH 73 No 32
Solidarity Community solfcu.orgNCUA 9923 · Kokomo, IN 61 No 32
Sherburne Bank sherburnestatebank.comFDIC 10169 · Becker, Minnesota 46 No 1
Today's Bank todaysbank.comFDIC 33470 · Huntsville, Arkansas 68 No 32
CLB The Community Bank clbbank.comblockedFDIC 10532 · Jonesville, Louisiana; not measured: HTTP 403 (Akamai) — No —
Ocean State oceanstatecu.orgNCUA 66595 · Coventry, RI 66 No 32
Agriculture agriculturefcu.orgNCUA 16400 · Merrifield, VA 33 Gated 1
New Albin Savings Bank newalbinsavingsbank.comFDIC 8506 · New Albin, Iowa 56 Gated 32
Western Bank wbartesia.comFDIC 16720 · Artesia, New Mexico 55 No 32
Cowboy Bank cowboyfirst.bankFDIC 11526 · Kremlin, Oklahoma 41 Gated 19
Freestar Financial freestarfinancial.comNCUA 60406 · Mount Clemens, MI 50 Gated 32
FirstState Bank firststatebank.bankFDIC 20468 · Lineville, Alabama 57 No 1
Michigan United michiganunitedcu.orgNCUA 61698 · Auburn Hills, MI 72 No 31
The Bank of Herrin bankofherrin.bankFDIC 11310 · Herrin, Illinois 38 Gated 32
Frontier Bank frontierbank.comFDIC 33922 · Sioux Falls, South Dakota 49 No 30
Members Plus memberspluscu.orgNCUA 66706 · Medford, MA 50 No 32
Commercial Savings Bank csbcarroll.comFDIC 231 · Carroll, Iowa 59 No 32
Gulf gecu.orgNCUA 60205 · Groves, TX 47 Gated 31
Citizens National Bank of Albion cnbalbion.bankblockedFDIC 15760 · Albion, Illinois; not measured: HTTP 403 — No —
Unitedone unitedone.orgNCUA 67248 · Manitowoc, WI 52 Gated 32
Guadalupe guadalupecu.orgNCUA 66149 · Santa Fe, NM 44 Gated 32
Citizens Deposit Bank of Arlington, Inc. cdbky.comFDIC 16852 · Arlington, Kentucky 48 No 1
Heritage Community Bank hcbanks.comFDIC 15282 · Union, Missouri 49 Gated 24
Old Hickory ohcu.orgNCUA 67982 · Nashville, TN 57 No 32
Kerndt Brothers Savings Bank kerndtbrothers.comFDIC 8761 · Lansing, Iowa 61 No 32
First Southern Bank fsb-bank.bankFDIC 10055 · Waycross, Georgia 55 No 1
Community Bank of Raymore cbronline.netFDIC 22867 · Raymore, Missouri 59 No 32
Ozona Bank ozona.bankFDIC 3376 · Ozona, Texas 28 Gated 1
Community State Bank ecommunitybank.orgFDIC 230 · Spencer, Iowa 48 No 1
US Community usccu.orgNCUA 67720 · Nashville, TN 43 Gated 32
Transportation transfcu.orgNCUA 3140 · Alexandria, VA 57 Gated 32
Waumandee State Bank waumandeebank.comFDIC 10384 · Waumandee, Wisconsin 45 Gated 32
Extra extracreditunion.orgNCUA 60428 · Warren, MI 63 No 32
First National Community Bank fnc.bankFDIC 5357 · New Richmond, Wisconsin 61 No 32
Goppert State Service Bank gssb.us.comblockedFDIC 17317 · Garnett, Kansas; not measured: HTTP 403 — No —
Family First of NY familyfirstny.comNCUA 19304 · Rochester, NY 46 No 32
Gulfside Bank gulfsidebank.comFDIC 59140 · Sarasota, Florida 58 No 32
First National Bank of Hereford fnbhereford.comFDIC 34918 · Hereford, Texas 65 No 32
Strata stratacu.orgNCUA 6032 · Bakersfield, CA 58 No 32
Massmutual massmutualfcu.orgNCUA 24566 · Springfield, MA 65 No 1
Citizens First Bank citizensfirstbank.netFDIC 13032 · Viroqua, Wisconsin 32 Gated 32
Buena Vista National Bank bvnb.comFDIC 10844 · Chester, Illinois 52 No 32
Red Rocks redrocks.orgNCUA 68560 · Littleton, CO 57 Gated 32
Farmers and Merchants Bank of St. Clair fmb4banking.bankFDIC 14056 · Saint Clair, Missouri 57 No 32
State Bank of Toulon banksbt.bankFDIC 12386 · Toulon, Illinois 47 Gated 30
First Basin firstbasin.comNCUA 67609 · Odessa, TX 56 No 32
Greenville Savings Bank greenvillesavings.comFDIC 30637 · Greenville, Pennsylvania 58 No 32
Premier Bank National Association premierbankne.comblockedFDIC 12493 · Omaha, Nebraska; not measured: HTTP 403 — No —
Farmers State Bank of Alto Pass, Ill. myfsb.comFDIC 11299 · Alto Pass, Illinois 59 No 32
First Community Bank firstbeemer.comFDIC 5384 · Beemer, Nebraska 28 Gated 1
Phenix-Girard Bank phenix-girard.comblockedFDIC 41 · Phenix City, Alabama; not measured: HTTP 403 — No —
Milestone Bank milestonebank.comFDIC 58148 · Salt Lake City, Utah 54 Gated 8
Bank of Kilmichael bankofkilmichael.comFDIC 9775 · Kilmichael, Mississippi 63 Gated 32
Cumberland Federal Bank, FSB cumberlandfederal.comFDIC 29293 · Cumberland, Wisconsin 47 No 25
Exchange Bank Co. exchangebankco.comFDIC 8274 · Kahoka, Missouri 28 Gated 1
Midwest Independent BankersBank mibanc.comFDIC 25849 · Jefferson City, Missouri 41 Gated 32
West Virginia Central wvccu.orgNCUA 24888 · Parkersburg, WV 52 No 32
Ozark Bank ozarkbank.comFDIC 1654 · Ozark, Missouri 61 No 32
RiverHills Bank rhb24.comFDIC 6662 · Milford, Ohio 64 No 32
Centricity centricity.orgNCUA 68685 · Hermantown, MN 63 No 32
The National Bank of Andrews nbabankonline.comFDIC 17603 · Andrews, Texas 58 No 1
Community Bank of Parkersburg communitybankpkbg.comblockedFDIC 19681 · Parkersburg, West Virginia; not measured: HTTP 403 — No —
Alamosa State Bank alamosastatebank.comblockedFDIC 13947 · Alamosa, Colorado; not measured: HTTP 403 (Cloudflare) — No —
Genesis Bank mygenesisbank.comFDIC 59245 · Newport Beach, California 64 No 29
The Cleveland State Bank clevelandstatebank.comFDIC 12201 · Cleveland, Mississippi 49 Gated 32
Inroads inroadscu.orgblockedNCUA 2730 · Saint Helens, OR; not measured: HTTP 403 (Cloudflare) — No —
Farmers State Bank farmersstate.comFDIC 11307 · Pittsfield, Illinois 38 No 32
Integrity Bank SSB itx.bankFDIC 59342 · Houston, Texas 60 No 31
Kaw Valley Bank kawvalleybank.comFDIC 9665 · Topeka, Kansas 62 No 32
Bank of Alma bankofalma.netFDIC 26689 · Alma, Wisconsin 49 Gated 32
Bank of 1889 1889.bankFDIC 3854 · Berryville, Arkansas 63 No 30
Oregonians oregonianscu.comNCUA 68669 · Milwaukie, OR 69 No 32
Pinal County pinalcountyfcu.comNCUA 9099 · Casa Grande, AZ 51 Gated 32
TruCommunity Bank trucommunity.bankFDIC 15306 · Garrison, North Dakota 59 No 32
Library of Congress lcfcu.orgNCUA 266 · Washington, DC 61 No 32
Pathway Bank pathwaybank.comFDIC 1992 · Cairo, Nebraska 59 No 31
Security State Bank ssbfarwell.comFDIC 11907 · Farwell, Texas 58 No 17
Telcomm telcommcu.comNCUA 63116 · Springfield, MO 49 Gated 32
Varo Bank, National Association varomoney.comblockedFDIC 59190 · Draper, Utah; not measured: HTTP 403 — No —
Bath State Bank bathstatebank.comFDIC 8035 · Bath, Indiana 51 Gated 32
The First Trust and Savings Bank of Watseka, Illinois ftsbank.comFDIC 10831 · Watseka, Illinois 33 Gated 1
Prince George's Community princegeorgescfcu.orgNCUA 18271 · Bowie, MD 60 No 32
Fort Worth City fwccu.orgNCUA 67532 · Fort Worth, TX 54 Gated 32
Traditions First Bank traditionsfirst.comFDIC 57092 · Erin, Tennessee 28 Gated 1
Dominion Energy Credit Union dominionenergycu.orgNCUA 66973 · North Chesterfi, VA 58 No 32
Eastern Savings Bank, FSB easternsavingsbank.comFDIC 32360 · Hunt Valley, Maryland 54 Gated 32
Community Trust ctcu.orgNCUA 60543 · Gurnee, IL 47 No 1
Farmers and Merchants State Bank of Pierz fmpierz.comFDIC 10165 · Pierz, Minnesota 53 No 32
The Citizens State Bank bankcsb.bankFDIC 15111 · Gridley, Kansas 57 No 32
Charles River Bank charlesriverbank.comFDIC 26602 · Medway, Massachusetts 49 Gated 32
Genfed Financial genfed.comNCUA 97106 · Akron, OH 53 Gated 32
The First National Bank of St. Ignace fnbsi.comFDIC 5074 · St. Ignace, Michigan 65 No 32
Sag-Aftra sagaftrafcu.orgNCUA 15317 · Burbank, CA 66 No 32
The First Security Bank thefirstsecuritybank.comFDIC 4041 · Beaver, Oklahoma 38 No 23
The Citizens Bank Company thecitizens.comFDIC 10266 · Beverly, Ohio 59 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