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 3,301–3,400 of 8,519 · page 34 of 86

SiteScore GatedPages read Report
Nassau Financial nassaufinancial.orgNCUA 1404 · East Meadow, NY 63 No 32
Synergy synergyfcu.orgNCUA 23605 · San Antonio, TX 57 No 32
Altamaha Bank & Trust Company altamaha.bankFDIC 19590 · Vidalia, Georgia 48 No 32
Reliance Bank reliancebankmn.comFDIC 58602 · Faribault, Minnesota 54 Gated 32
Franklin Bank franklinbnk.comblockedFDIC 30402 · Pilesgrove, New Jersey; not measured: HTTP 403 (Cloudflare) — No —
Bank of Commerce bocokonline.comFDIC 57491 · Duncan, Oklahoma 52 No 21
Ultima Bank Minnesota ultima.bankFDIC 8867 · Winger, Minnesota 28 Gated 1
Community State Bank of Missouri c-s-b.comFDIC 1936 · Bowling Green, Missouri 66 No 32
Bank of Newington no website on recordFDIC 5704 · Newington, Georgia; no web address reported to the FDIC — No —
Stryv Bank stryvbank.comFDIC 21955 · Wichita, Kansas 55 Gated 26
First Northern fncu.orgNCUA 66359 · Chicago, IL 58 No 32
Global One Bank globalonebank.comFDIC 11570 · Houston, Texas 28 Gated 1
The Millyard Bank millyardbank.comFDIC 59176 · Nashua, New Hampshire 52 Gated 32
Stock Growers Bank stockgrowers.bankFDIC 8942 · Forman, North Dakota 57 No 32
The Havana National Bank havanabank.comFDIC 3677 · Havana, Illinois 62 No 31
O'Bannon Banking Company obannonbank.comFDIC 8295 · Buffalo, Missouri 65 No 32
Clare Bank, National Association clarebank.comunreachableFDIC 1022 · Platteville, Wisconsin — No —
Bank of England bankofengland-ar.comFDIC 13303 · England, Arkansas 54 No 32
Copiah Bank copiahbank.comFDIC 8231 · Hazlehurst, Mississippi 41 Gated 16
First Atlantic fafcu.comblockedNCUA 82 · Eatontown, NJ; not measured: HTTP 403 — No —
Tucoemas tucoemas.orgNCUA 5718 · Visalia, CA 61 No 32
New Hampshire nhfcu.orgNCUA 4746 · Concord, NH 54 Gated 32
The Harvard State Bank webhsb.comblockedFDIC 9079 · Harvard, Illinois; not measured: HTTP 403 — No —
Actors actorsfcu.comNCUA 15358 · New York, NY 62 No 32
Woodlands National Bank woodlandsnationalbank.comFDIC 1417 · Hinckley, Minnesota 51 Gated 32
Northern State Bank nsbashland.comFDIC 15242 · Ashland, Wisconsin 56 No 32
Patterson State Bank pattersonstatebank.comFDIC 12609 · Patterson, Louisiana 52 Gated 32
Texana Bank, National Association texanabank.comFDIC 3302 · Linden, Texas 54 No 32
New Carlisle Federal Savings Bank ncfsb.comFDIC 29173 · New Carlisle, Ohio 28 Gated 1
Downeast downeastcu.comNCUA 68563 · Baileyville, ME 48 No 1
The Colorado Bank and Trust Company of La Junta wwww.colobank.comFDIC 1141 · La Junta, Colorado 33 Gated 1
Viking Bank, National Association viking.bankblockedFDIC 32082 · Alexandria, Minnesota; not measured: HTTP 403 — No —
High Plains Bank hpbank.usFDIC 418 · Okeene, Oklahoma 55 Gated 12
Commercial National Bank of Texarkana cnbtxk.comblockedFDIC 19024 · Texarkana, Texas; not measured: HTTP 403 — No —
The Farmers State Bank myfsb.bankFDIC 14991 · New Madison, Ohio 55 Gated 32
Families and Schools Together fastcu.comNCUA 9109 · Hanford, CA 43 Gated 32
Stifel Trust Company Delaware, National Association no website on recordFDIC 59043 · Greenville, Delaware; no web address reported to the FDIC — No —
The State Bank of Faribault tsbf.comFDIC 1610 · Faribault, Minnesota 63 No 32
Citizens Savings Bank citizenssb.comFDIC 30270 · Bogalusa, Louisiana 58 No 32
Citizens Bank & Trust Co. cbhutch.comFDIC 10218 · Hutchinson, Minnesota 54 No 32
Minnesota Valley mnvalleyfcu.coopNCUA 19440 · Mankato, MN 64 No 32
Altoona First Savings Bank altoonabank.comFDIC 27711 · Altoona, Pennsylvania 54 Gated 32
Kentucky Farmers Bank Corporation kfb.bankFDIC 267 · Catlettsburg, Kentucky 57 No 32
First State Bank of Forrest wwwfsbforrest.comFDIC 11669 · Forrest, Illinois 33 Gated 1
First State Bank firststatebk.comblockedFDIC 15050 · Lonoke, Arkansas; not measured: HTTP 403 — No —
State Bank of Newburg newburg.bankblockedFDIC 9529 · Newburg, Wisconsin; not measured: HTTP 403 — No —
Downey downeyfcu.orgNCUA 11870 · Downey, CA 54 Gated 32
UME umecreditunion.comNCUA 3945 · Burbank, CA 50 Gated 32
United Teletech Financial utfinancial.orgblockedNCUA 18195 · Tinton Falls, NJ; not measured: HTTP 403 (Cloudflare) — No —
Nebraska Energy ne-fcu.orgNCUA 24286 · Columbus, NE 59 No 32
The Equitable Bank, S.S.B. equitablebank.netFDIC 28614 · Wauwatosa, Wisconsin 33 Gated 1
Douglas National Bank dnbdouglas.comFDIC 57230 · Douglas, Georgia 28 Gated 1
Vacationland vlfcu.orgNCUA 11293 · Sandusky, OH 57 No 32
Dakota West dakotawestcu.comNCUA 62380 · Watford City, ND 57 No 32
Columbus State Bank columbusstate.comblockedFDIC 12305 · Columbus, Texas; not measured: HTTP 403 (Akamai) — No —
Glass City glasscityfcu.comNCUA 5495 · Maumee, OH 50 Gated 32
PCSB Bank wearepcsb.comFDIC 14522 · Clarinda, Iowa 60 No 32
Elizabethton Federal Savings Bank elizfed.comFDIC 29904 · Elizabethton, Tennessee 41 Gated 17
Western Bank bootheelbank.comFDIC 2249 · Lordsburg, New Mexico 60 No 8
Paho/Who pahofcu.orgNCUA 6464 · Arlington, VA 63 Gated 1
First State Bank of Burnet fsbburnet.bankFDIC 11557 · Burnet, Texas 59 No 29
Decatur County Bank decaturcountybank.comFDIC 6101 · Decaturville, Tennessee 55 No 32
Texoma Community texomacu.comblockedNCUA 61527 · Wichita Falls, TX; not measured: HTTP 403 (Cloudflare) — No —
The First National Bank of River Falls fnbrf.comFDIC 5364 · River Falls, Wisconsin 37 Gated 32
Heritage Bank heritagebankonline.comFDIC 57548 · Topeka, Kansas 54 Gated 31
FMS Bank fmsbank.comblockedFDIC 23764 · Fort Morgan, Colorado; not measured: HTTP 403 — No —
The First National Bank in Amboy fnbamboy.comFDIC 14674 · Amboy, Illinois 61 No 32
American Bank and Trust Company americanbanktulsa.comblockedFDIC 20537 · Tulsa, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
Pinnacle Bank bankpinnacle.usFDIC 252 · Marshalltown, Iowa 61 No 32
360 360fcu.orgNCUA 7723 · Windsor Locks, CT 29 Gated 1
Soo Co-Op soocoop.comNCUA 62325 · Sault Sainte Ma, MI 44 Gated 32
The Peoples Bank banktpb.comFDIC 5779 · Brownstown, Indiana 67 No 32
Huron Community Bank bankhcb.comFDIC 11810 · East Tawas, Michigan 59 No 32
City Bank & Trust Co. citybankandtrust.comFDIC 5396 · Lincoln, Nebraska 60 No 27
Evolve evolvefcu.orgNCUA 1792 · El Paso, TX 54 No 31
Secny secny.orgNCUA 20496 · Syracuse, NY 57 No 32
First Bank Blue Earth firstbankblueearth.comFDIC 5097 · Blue Earth, Minnesota 53 No 32
Forest Park National Bank and Trust Company forestparkbank.comFDIC 15945 · Forest Park, Illinois 56 No 31
KCB Bank kcbks.bankFDIC 15194 · Lakin, Kansas 55 No 12
People's Alliance pafcu.orgNCUA 3633 · Hauppauge, NY 48 No 31
First National Bank and Trust agbank.bankblockedFDIC 4756 · Phillipsburg, Kansas; not measured: HTTP 403 — No —
Brighton Bank brightonbank.comFDIC 22578 · Salt Lake City, Utah 28 Gated 1
Abacus Federal Savings Bank abacusbank.comFDIC 32257 · New York, New York 66 No 32
First Trust and Savings Bank firsttrust.bankblockedFDIC 8752 · Wheatland, Iowa; not measured: HTTP 403 — No —
Dannemora dfcu.netNCUA 12473 · Plattsburgh, NY 68 No 32
Riverfront riverfrontfcu.orgNCUA 5856 · Wyomissing, PA 54 No 32
Trugrocer trugrocer.comNCUA 17127 · Boise, ID 49 No 32
Access accessfcu.orgblockedNCUA 5579 · Clinton, NY; not measured: HTTP 403 (Cloudflare) — No —
Riverland riverlandfcu.orgNCUA 24860 · New Orleans, LA 49 Gated 32
Gateway Bank gateway.bankFDIC 57644 · Mendota Heights, Minnesota 60 No 31
The First National Bank of Hughes Springs fnbhs.comFDIC 3268 · Hughes Springs, Texas 57 No 1
People's Bank and Trust Company of Pickett County pbt.bankFDIC 22756 · Byrdstown, Tennessee 57 No 32
Acfcu acfcu.orgNCUA 5168 · Amarillo, TX 67 No 32
Old West oldwestfcu.orgNCUA 12012 · John Day, OR 50 No 1
1NB Bank 1nbbank.bankFDIC 14761 · Carlyle, Illinois 60 No 28
Great Plains greatplainsfcu.comNCUA 6853 · Joplin, MO 62 No 32
Citizens Bank and Trust Company of Ardmore bankcitizens.bankFDIC 22717 · Ardmore, Oklahoma 56 Gated 32
Guaranty Bank and Trust Company guaranty-bnk.comblockedFDIC 17767 · New Roads, Louisiana; not measured: HTTP 403 — No —
Pacific Crest Bank paccrest.comFDIC 34585 · Lynnwood, Washington 36 Gated 32
Alden State Bank alden.bankFDIC 17622 · Alden, Michigan 62 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