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))
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	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 4 checks

Test	What it asks	Failing	Of
EXT-12	Do you tell search engines the moment a page changes?	100.0%	7198
EXT-14	Does your site offer its actions to AI browsers as tools?	100.0%	6856
EXT-16	Do you publish a card or a skills list for the agents you run?	100.0%	7198
EXT-17	Do you list your agents in your domain's DNS records?	100.0%	7060

Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more

Test	What it asks	Failing	Of	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

Test	What it asks	Failing	Of	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 3,401–3,500 of 8,519 · page 35 of 86

Site	Score	Gated	Pages read
Community State Bank of Rock Falls commstbk.comFDIC 21988 · Rock Falls, Illinois	58	No	1
Forest Area forestarea.comNCUA 24047 · Fife Lake, MI	52	No	32
Bank of Yazoo City bankofyazoo.comFDIC 11431 · Yazoo City, Mississippi	47	No	32
Preferred preferredcu.orgNCUA 62340 · Grand Rapids, MI	69	No	32
Tnbank tnbank.bankFDIC 34023 · Oak Ridge, Tennessee	58	No	32
Centera Bank centerabank.comFDIC 16436 · Sublette, Kansas	54	Gated	31
The National Iron Bank ironbank.comFDIC 2496 · Salisbury, Connecticut	47	Gated	32
BankMiami bankmiami.comFDIC 59354 · Coral Gables, Florida	58	No	12
Bank of York bankofyork.comFDIC 15104 · York, South Carolina	56	No	32
Putnam County State Bank putnamcountystatebank.comFDIC 22895 · Unionville, Missouri	59	No	32
First Southern Bank fsb-ms.comFDIC 31158 · Columbia, Mississippi	57	No	1
Pacific N W pnwfcu.orgNCUA 4878 · Portland, OR	63	No	32
Bank of Coushatta mybcbank.comblockedFDIC 8531 · Coushatta, Louisiana; not measured: HTTP 403	—	No	—
Evermore Bank evermorebankfl.comFDIC 59306 · Fort Lauderdale, Florida	42	Gated	32
Longview Community Bank longviewcb.comblockedFDIC 11319 · Mount Pulaski, Illinois; not measured: HTTP 403	—	No	—
First Bethany Bank & Trust firstbethany.comFDIC 4228 · Bethany, Oklahoma	28	Gated	1
Harvesters myharvesterscu.comNCUA 24967 · Cantonment, FL	61	No	32
Profile Bank profilebank.comFDIC 28155 · Rochester, New Hampshire	33	Gated	1
Fall River Municipal frmcu.comNCUA 67894 · Fall River, MA	52	Gated	32
Sewickley Savings Bank sewickleysavingsbank.comFDIC 30154 · Sewickley, Pennsylvania	47	Gated	32
Members First Credit Union of Flori membersfirstfl.orgunreachableNCUA 61160 · Pensacola, FL	—	No	—
Bay Bank baybankgb.comFDIC 34052 · Green Bay, Wisconsin	51	Gated	32
Vapr vaprfcu.comNCUA 6918 · San Juan, PR	52	No	28
Community Bank cbanktexas.comFDIC 25752 · Longview, Texas	63	No	31
Northwest Plus nwpluscu.comNCUA 67262 · Everett, WA	57	No	32
OC ocfederal.comNCUA 9208 · Garfield Hts, OH	47	No	32
Patrons Bank, National Association mybankfnb.comblockedFDIC 4170 · Okmulgee, Oklahoma; not measured: HTTP 403	—	No	—
Classic City Bank classiccitybank.comFDIC 59219 · Athens, Georgia	55	No	26
Citizens Independent Bank bankcib.comFDIC 16863 · Saint Louis Park, Minnesota	61	No	32
Tri-County Bank & Trust Company tcbnow.bankblockedFDIC 210 · Roachdale, Indiana; not measured: HTTP 403	—	No	—
Peoples Bank peoplesbankar.comFDIC 57058 · Sheridan, Arkansas	51	Gated	32
Lookout lookoutcu.comNCUA 7776 · Pocatello, ID	66	No	32
The Payne County Bank paynecountybank.comFDIC 12485 · Perkins, Oklahoma	56	No	12
Financial Horizons fhcunv.orgNCUA 86755 · Hawthorne, NV	58	No	32
State Bank of Graymont sbofgray.comFDIC 10434 · Graymont, Illinois	64	No	32
Seneca Savings Bank, National Association senecasavings.comFDIC 29496 · Baldwinsville, New York	28	Gated	1
Neighborhood National Bank neighborhood.bankFDIC 18885 · Mora, Minnesota	58	No	32
The Union Bank theunionbank.comFDIC 9420 · Beulah, North Dakota	59	No	32
Carthage Savings and Loan, National Association carthagesavings.comFDIC 28942 · Carthage, New York	59	No	32
Goppert Financial Bank goppertfb.comblockedFDIC 8569 · Lathrop, Missouri; not measured: HTTP 403	—	No	—
Wray State Bank wraystatebank.comFDIC 22447 · Wray, Colorado	49	Gated	32
Bank of Millbrook bankofmillbrook.comblockedFDIC 618 · Millbrook, New York; not measured: HTTP 403	—	No	—
Citizens State Bank of Loyal csbloyal.comFDIC 6186 · Loyal, Wisconsin	48	No	1
Horatio State Bank horatiostatebank.comFDIC 109 · Horatio, Arkansas	56	No	30
1st Bank of Sea Isle City 1stbankseaisle.comFDIC 30367 · Sea Isle City, New Jersey	58	No	32
Members1St Community members1st.comNCUA 62918 · Marshalltown, IA	58	Gated	32
Community Bank cbcommunitybank.comFDIC 10791 · Winslow, Illinois	48	No	32
Intrepid intrepidcu.orgNCUA 68495 · Helena, MT	64	No	32
The Bankers Bank tbb.bankFDIC 26677 · Oklahoma City, Oklahoma	51	Gated	32
Decatur Earthmover decu.comNCUA 68597 · Forsyth, IL	56	Gated	32
RiverBank riverbankonline.comblockedFDIC 58322 · Spokane, Washington; not measured: HTTP 403	—	No	—
Security Bank mysecurity.bankFDIC 5424 · Laurel, Nebraska	43	No	32
Citizens Bank gocitizensbank.comblockedFDIC 3140 · Amarillo, Texas; not measured: HTTP 403 (CloudFront)	—	No	—
The First National Bank of Bellevue fnblifetime.comFDIC 6528 · Bellevue, Ohio	28	Gated	1
First National Bank of South Carolina fnbsc.comFDIC 2107 · Holly Hill, South Carolina	51	No	32
Guardians guardianscu.coopNCUA 67521 · West Palm Beach, FL	57	No	22
The Pecos County State Bank pcsbank.netblockedFDIC 13006 · Fort Stockton, Texas; not measured: HTTP 403	—	No	—
Washington State Bank wsbankla.comblockedFDIC 9326 · Washington, Louisiana; not measured: HTTP 403	—	No	—
First State Bank fsbgraham.bankFDIC 24498 · Graham, Texas	33	Gated	1
Farmers and Merchants Bank fandm.bankFDIC 1735 · Piedmont, Alabama	59	No	31
United National Bank unbonline.comFDIC 35427 · Cairo, Georgia	59	No	32
Bank of Montana bankofmontana.comFDIC 58482 · Missoula, Montana	61	No	32
Santa Barbara Teachers sbtfcu.orgNCUA 1909 · Santa Barbara, CA	58	No	31
PrinsBank prinsbank.comFDIC 10191 · Prinsburg, Minnesota	68	No	32
ZIA ziacu.orgNCUA 60467 · Los Alamos, NM	64	No	32
Sundown State Bank sundownsb.comFDIC 18780 · Sundown, Texas	48	No	1
Farmers and Merchants Bank fmlafayette.comFDIC 13887 · Lafayette, Alabama	56	No	32
Hawaii Central hawaiicentral.orgNCUA 24839 · Honolulu, HI	63	No	28
Community First Banking Company cfbankco.comFDIC 34610 · West Plains, Missouri	52	No	32
Hometown National Bank myhtnb.bankFDIC 3691 · La Salle, Illinois	55	Gated	32
Jetstream jetstreamfcu.orgNCUA 24718 · Miami Lakes, FL	33	Gated	1
Valley Communities valleycommunities.orgNCUA 66430 · Mosinee, WI	68	No	32
Dearborn Federal Savings Bank mydfsb.comFDIC 29874 · Dearborn, Michigan	56	Gated	32
American Community Bank acbalways.comFDIC 35033 · Glen Cove, New York	47	No	32
Farmers and Merchants Bank fmfbank.comFDIC 13801 · Laotto, Indiana	54	No	32
Craft Bank craft.bankFDIC 59209 · Atlanta, Georgia	52	No	32
Bank Irvine bankirvine.comblockedFDIC 59296 · Irvine, California; not measured: HTTP 403	—	No	—
First Secure State Bank thestatebankgroup.comFDIC 22971 · Wonder Lake, Illinois	59	No	28
Century Bank of the Ozarks cbozarks.comFDIC 8296 · Gainesville, Missouri	44	No	32
Oklahoma Educators oecu.comNCUA 61088 · Oklahoma City, OK	52	Gated	32
The Farmers Bank of Milton fbmilton.comFDIC 12163 · Milton, Kentucky	49	No	24
Holcomb Bank holcomb.bankFDIC 9080 · Rochelle, Illinois	46	Gated	32
Savings Bank savingsbankia.comFDIC 13735 · Primghar, Iowa	66	No	32
The Claxton Bank tcbga.bankFDIC 15826 · Bellville, Georgia	60	No	32
Global Bank globalbankny.comblockedFDIC 58263 · New York, New York; not measured: HTTP 403 (Cloudflare)	—	No	—
Peninsula Community pcfcu.orgNCUA 665 · Shelton, WA	59	No	32
Security Bank Midwest sbmidwest.bankFDIC 485 · Tyndall, South Dakota	68	No	32
Valley Bank of Commerce valleybankofcommerce.comFDIC 22600 · Roswell, New Mexico	54	Gated	26
New Horizons newhcu.orgNCUA 60799 · Mobile, AL	66	No	31
ValueBank Texas valuebanktexas.comblockedFDIC 19700 · Corpus Christi, Texas; not measured: HTTP 403	—	No	—
Citizens Guaranty Bank cg.bankFDIC 20872 · Richmond, Kentucky	60	No	32
Membersalliance membersalliance.orgNCUA 81402 · Loves Park, IL	49	Gated	32
Community Bank and Trust Company commbk.netFDIC 23189 · Muscatine, Iowa	53	No	1
Tompkins State Bank tompkinsstatebank.comFDIC 10849 · Avon, Illinois	56	No	32
First Heritage Bank 1hbank.comFDIC 4636 · Centralia, Kansas	53	No	1
Citizens National Bank at Brownwood cnb-brownwood.comFDIC 14779 · Brownwood, Texas	28	Gated	1
Bedford Federal Savings Bank bedfed.comFDIC 29024 · Bedford, Indiana	44	Gated	10
SJN Bank of Kansas sjnbank.comFDIC 4766 · Saint John, Kansas	54	No	1
The Citizens Bank of Weston citzensbankweston.comFDIC 19674 · Weston, West Virginia	33	Gated	1
Bowater Employees bowaterecu.orgNCUA 67970 · Calhoun, TN	47	Gated	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