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 3,501–3,600 of 8,519 · page 36 of 86

SiteScore GatedPages read Report
Valor Bank valor.bankFDIC 9467 · Edmond, Oklahoma 35 Gated 11
MTC mtcfederal.comNCUA 22520 · Greenville, SC 61 No 31
Washington Savings Bank washingtonsavings.comFDIC 90229 · Lowell, Massachusetts 50 No 32
Bank of Franklin bankoffranklin.comFDIC 10594 · Meadville, Mississippi 60 No 32
Hometown Bank of Corbin, Inc. ahometownbank.comblockedFDIC 35455 · Corbin, Kentucky; not measured: HTTP 403 — No —
United unitedcu.orgNCUA 63597 · Mexico, MO 28 Gated 1
United Bay Community ubccu.orgNCUA 61186 · Bay City, MI 60 No 32
DLP Bank communitystatebank-fl.comFDIC 17734 · Starke, Florida 45 Gated 1
The Citizens Bank of Winfield cbwinfield.comblockedFDIC 52 · Winfield, Alabama; not measured: HTTP 403 (CloudFront) — No —
Freedom Bank freedombanktexas.comFDIC 17881 · Alamo, Texas 60 Gated 32
Collins State Bank collinsstatebank.comblockedFDIC 14914 · Collins, Wisconsin; not measured: HTTP 403 — No —
Llano National Bank llanonational.bankFDIC 24305 · Llano, Texas 51 No 32
Energy One energyone.orgNCUA 256 · Tulsa, OK 73 No 32
Monterey County Bank montereycountybank.comFDIC 22460 · Monterey, California 50 Gated 32
West Union Bank westunionbank.comblockedFDIC 2452 · West Union, West Virginia; not measured: HTTP 403 — No —
Loyalty loyaltycu.orgNCUA 62417 · Pensacola, FL 53 No 32
Otis otisfcu.coopNCUA 9349 · Jay, ME 67 No 32
Flanagan State Bank flanaganstatebank.comblockedFDIC 11734 · Flanagan, Illinois; not measured: HTTP 403 — No —
Cross Valley crossvalleyfcu.orgNCUA 19228 · Wilkes Barre, PA 65 No 32
The Peshtigo National Bank pnbwi.comFDIC 5317 · Peshtigo, Wisconsin 28 Gated 1
The Tri-County Bank tricountybank.comFDIC 16339 · Stuart, Nebraska 53 Gated 1
Durden Banking Company, Incorporated durdenbc.comblockedFDIC 15336 · Twin City, Georgia; not measured: HTTP 403 — No —
Farmers Savings Bank farmerssavingsbank.comFDIC 14807 · Colesburg, Iowa 56 No 32
Bank of Crockett bankofcrockett.comFDIC 1468 · Bells, Tennessee 48 No 32
The First National Bank of Pandora e-fnb.comFDIC 6671 · Pandora, Ohio 68 No 32
Caldwell Bank & Trust Company caldwellbankandtrust.comFDIC 11785 · Columbia, Louisiana 71 No 32
Minnesota National Bank mn-bank.bankFDIC 5249 · Sauk Centre, Minnesota 48 Gated 32
Grant County Bank gcbks.bankFDIC 10918 · Ulysses, Kansas 71 No 1
Leighton State Bank leightonbank.comFDIC 10118 · Pella, Iowa 55 Gated 32
Redstone Bank redstone.bankFDIC 58826 · Centennial, Colorado 50 Gated 32
Homebase homebasecu.orgNCUA 7722 · Prince George, VA 40 Gated 32
First Security Bank of Nevada fsbnv.comblockedFDIC 58443 · Las Vegas, Nevada; not measured: HTTP 403 — No —
Merchants and Farmers Bank mfbanknet.comFDIC 8735 · Dumas, Arkansas 56 No 32
Farmers Bank farmersbank-weld.comFDIC 57335 · Ault, Colorado 32 Gated 10
Community Banking Company communitybankingcompany.comblockedFDIC 34160 · Fitzgerald, Georgia; not measured: HTTP 403 — No —
St. Johns Bank and Trust Company stjohnsbank.comFDIC 8898 · Saint Louis, Missouri 62 No 32
SSB Community Bank ssbonline.comFDIC 29858 · Strasburg, Ohio 66 No 31
First National Bank Of Commerce firstnb.bankFDIC 3896 · Walnut Ridge, Arkansas 59 No 32
Laona State Bank laonastatebank.comFDIC 11601 · Laona, Wisconsin 47 Gated 32
Greater Community greaterccu.comNCUA 61624 · Dawson, MN 57 No 32
Natbank, National Association natbank.comFDIC 33959 · Hollywood, Florida 46 No 1
The Brattleboro Savings and Loan Association brattbank.comFDIC 28837 · Brattleboro, Vermont 59 No 32
Holyoke holyokecu.comNCUA 67875 · Holyoke, MA 27 Gated 1
The Bank of Forest bkforest.comblockedFDIC 898 · Forest, Mississippi; not measured: HTTP 403 — No —
Rnb State Bank rnbonline.comFDIC 2228 · Rawlins, Wyoming 75 No 32
United Bank united-bk.comFDIC 32025 · Springdale, Arkansas 62 No 32
State Bank sbw.bankFDIC 12706 · Waterloo, Illinois 52 Gated 32
Kaw Valley State Bank and Trust Company kvsb.comFDIC 17832 · Wamego, Kansas 46 No 32
TCT tctfcu.orgNCUA 12957 · Ballston Spa, NY 42 Gated 32
Alive alivecu.coopNCUA 67316 · Jacksonville, FL 65 No 32
The Commercial Bank commercialbankms.comFDIC 9356 · De Kalb, Mississippi 57 No 1
Arrowhead Bank arrowheadbanktexas.comblockedFDIC 1198 · Llano, Texas; not measured: HTTP 403 — No —
Coleman County State Bank colemanbank.comblockedFDIC 15480 · Coleman, Texas; not measured: HTTP 403 — No —
St. Landry Bank and Trust Company stlandrybank.comblockedFDIC 8534 · Opelousas, Louisiana; not measured: HTTP 403 — No —
The Upstate National Bank upstatebank.comFDIC 13748 · Ogdensburg, New York 55 No 32
Crawford County Trust and Savings Bank crawfordcountybank.comFDIC 8511 · Denison, Iowa 66 No 32
First Kansas Bank firstkansasbank.comFDIC 18474 · Hoisington, Kansas 48 No 1
Guardian guardiancu.orgNCUA 66638 · Oak Creek, WI 60 Gated 32
Partners Bank of Wisconsin partnersbankwi.comFDIC 12513 · Marshfield, Wisconsin 69 No 31
McClain Bank mcclainbank.comFDIC 4187 · Purcell, Oklahoma 60 No 32
The First National Bank & Trust fnbec.comFDIC 4086 · Elk City, Oklahoma 60 No 1
Community 1st Bank Las Vegas cfblv.comFDIC 16854 · Las Vegas, New Mexico 62 No 13
First Federal Savings and Loan Association firstfedohio.comFDIC 29090 · Newark, Ohio 47 Gated 15
Castle Rock Bank castlerockbank.netFDIC 1913 · Castle Rock, Minnesota 57 Gated 32
Home Town hometowncu.coopNCUA 21669 · Owatonna, MN 39 No 32
Bangor bangorfederal.comNCUA 10939 · Bangor, ME 61 No 32
The First National Bank of Milaca fnbmilaca.comFDIC 5198 · Milaca, Minnesota 61 No 32
Security First Bank of North Dakota securityfirstbank.bankFDIC 11519 · New Salem, North Dakota 49 No 25
Three Rivers Bank of Montana threeriversbankmontana.comFDIC 21557 · Kalispell, Montana 66 No 32
Advantage Plus advantagepluscreditunionNCUA 8428 · Pocatello, ID 33 Gated 1
Bronco broncofcu.comNCUA 4616 · Franklin, VA 48 No 1
Charter Bank charterbankcc.comFDIC 18660 · Corpus Christi, Texas 58 No 32
22nd State Banking Company 22ndstatebank.comFDIC 16910 · Mobile, Alabama 62 No 32
Huron Valley State Bank hvsb.comFDIC 57990 · Milford, Michigan 33 Gated 1
State Savings Bank ssb.bankFDIC 248 · West Des Moines, Iowa 53 Gated 32
Kalsee kalsee.comNCUA 61219 · Kalamazoo, MI 62 No 32
Lake Central Bank lakecentral.bankblockedFDIC 10989 · Annandale, Minnesota; not measured: HTTP 403 (Cloudflare) — No —
First Colony Bank of Florida firstcolonybank.netblockedFDIC 58644 · Maitland, Florida; not measured: HTTP 403 — No —
Bank of Dickson bankofdickson.bankFDIC 17327 · Dickson, Tennessee 66 No 32
Citizens State Bank of Roseau citizensros.comFDIC 10167 · Roseau, Minnesota 51 No 17
Sundance State Bank sundancestate.bankblockedFDIC 1169 · Sundance, Wyoming; not measured: HTTP 403 (Cloudflare) — No —
Georgia First Bank georgiafirst.bankFDIC 889 · Soperton, Georgia 48 Gated 24
Somerville Bank somervillebank.netFDIC 6700 · Eaton, Ohio 52 No 28
Liberty Bank Minnesota libertybankmn.comFDIC 26891 · Saint Cloud, Minnesota 48 No 26
United State Bank usb1.comFDIC 12214 · Lewistown, Missouri 57 No 31
One World Bank oneworldbank.comFDIC 57901 · Dallas, Texas 51 No 22
United Community Bank unitedcommunitybank.comFDIC 13656 · Milford, Iowa 54 No 32
Farmers & Merchants Bank ibankfmb.comFDIC 9069 · Eatonton, Georgia 47 No 32
Century Heritage chfcu.orgNCUA 1352 · Pittsburgh, PA 56 Gated 31
Nantahala Bank & Trust Company nantahalabank.comblockedFDIC 57784 · Franklin, North Carolina; not measured: HTTP 403 — No —
Farmers Bank gofarmersbank.comFDIC 1296 · Greenwood, Arkansas 63 No 32
Vintage Bank Kansas vintagebankks.comFDIC 17927 · Leon, Kansas 46 Gated 32
Interstate Bank isbtexas.bankblockedFDIC 31043 · Perryton, Texas; not measured: HTTP 403 — No —
Community Partners Savings Bank communitypartnerssb.comblockedFDIC 30819 · Salem, Illinois; not measured: HTTP 403 — No —
Gateway Bank, F.S.B. gatewayfsb.comFDIC 33103 · Oakland, California 48 No 1
Maine Family mainefamilyfcu.comNCUA 2644 · Lewiston, ME 64 No 32
The Home Trust & Savings Bank hometrustbank.comFDIC 963 · Osage, Iowa 62 No 28
1St Community 1stccu.comNCUA 67012 · Sparta, WI 51 Gated 32
First Whitney Bank and Trust firstwhitneybank.comFDIC 254 · Atlantic, Iowa 61 No 21
Manhattan Bank manhattanbank.bankFDIC 11823 · Manhattan, Montana 56 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