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 3,601–3,700 of 8,519 · page 37 of 86

SiteScore GatedPages read Report
Fairfax State Savings Bank thebankhere.comFDIC 8083 · Fairfax, Iowa 33 Gated 1
Catalyst Bank catalystbank.comFDIC 29804 · Opelousas, Louisiana 28 Gated 1
Nekoosa Port Edwards State Bank npesb.bankFDIC 2482 · Nekoosa, Wisconsin 48 Gated 32
Peoples State Bank psbohio.comFDIC 6659 · New Lexington, Ohio 56 No 32
Har-Co harcocu.orgNCUA 68639 · Bel Air, MD 58 No 32
United Citizens Bank of Southern Kentucky ucbsky.comFDIC 57867 · Columbia, Kentucky 52 No 32
First Federal Bank of Wisconsin ffbwi.comFDIC 30422 · Waukesha, Wisconsin 30 Gated 1
The Fort Jennings State Bank fjsb.comFDIC 13209 · Fort Jennings, Ohio 47 No 32
Bank of Rantoul bankofrantoul.bankblockedFDIC 11711 · Rantoul, Illinois; not measured: HTTP 403 — No —
Glacier Hills glacierhills.comNCUA 67238 · West Bend, WI 54 No 32
Nebraska State Bank and Trust Company nesb.bankFDIC 8322 · Broken Bow, Nebraska 59 No 32
Northwestern Mutual mynmcu.comNCUA 66555 · Milwaukee, WI 63 No 32
Cottonwood Community ccfcu.coNCUA 4960 · Cottonwood, ID 56 Gated 31
Goodfield State Bank goodfieldstatebank.comFDIC 11699 · Goodfield, Illinois 50 No 32
Voyage voyagefcu.orgNCUA 3458 · Sioux Falls, SD 39 Gated 32
One American Bank oneamericanbank.comFDIC 6078 · Centerville, South Dakota 55 No 30
North Shore northshorefcu.orgNCUA 18473 · Silver Bay, MN 63 No 32
Victory Bank victory.bankFDIC 18677 · Lubbock, Texas 67 No 32
Sawyer Savings Bank sawyersavings.bankFDIC 16039 · Saugerties, New York 48 No 1
Community Savings mycommunitysavings.comFDIC 27969 · Caldwell, Ohio 63 No 32
The Commercial Bank thecommercialbanksc.comblockedFDIC 14642 · Honea Path, South Carolina; not measured: HTTP 403 — No —
The New Orleans Firemen's noffcu.orgNCUA 6 · Metairie, LA 57 Gated 32
First Flight efirstflight.comNCUA 7870 · Cary, NC 49 No 1
Heritage Community heritageccu.comNCUA 68395 · Rancho Cordova, CA 49 No 32
Bank of Edmonson County bankofedmonson.comblockedFDIC 296 · Brownsville, Kentucky; not measured: HTTP 403 — No —
Lormet Community lormet.comNCUA 24637 · Amherst, OH 58 Gated 32
General Electric Employees mygecreditunion.comNCUA 4043 · Milford, CT 59 No 32
The Jacksboro National Bank mybanktexas.comFDIC 3275 · Jacksboro, Texas 63 No 32
Commercial Bank mycbstl.bankFDIC 27409 · Saint Louis, Missouri 68 No 32
First Federal Bank of Ohio firstfederalbankofohio.bankFDIC 27643 · Galion, Ohio 41 Gated 19
Pioneer Bank pioneerbanks.comFDIC 19540 · Sergeant Bluff, Iowa 55 No 32
The Farmers Bank myfarmersbank.netFDIC 14894 · Nicholasville, Kentucky 46 Gated 32
First Federal Savings Bank of Kentucky ffsbky.bankFDIC 29937 · Frankfort, Kentucky 68 No 32
O.a.s. Staff oasfcu.orgblockedNCUA 15000 · Washington, DC; not measured: HTTP 403 (Cloudflare) — No —
HNB First Bank hnbfirst.comFDIC 2805 · Headland, Alabama 45 Gated 30
FNB Picayune Bank fnbop.comFDIC 16612 · Picayune, Mississippi 49 No 30
Unity Bank of Mississippi unityms.bankFDIC 11446 · Holly Springs, Mississippi 57 No 14
The Pennsville National Bank pennsvillenb.comFDIC 19978 · Pennsville, New Jersey 34 Gated 23
Sonata Bank sonatabank.comFDIC 21342 · Brentwood, Tennessee 61 No 32
Fairfield Federal Savings and Loan Association of Lancaster fairfieldfederal.comFDIC 27806 · Lancaster, Ohio 56 Gated 24
Allegent Community allegentfcu.orgNCUA 205 · Pittsburgh, PA 54 No 32
Fusion Bank fusion.bankFDIC 15899 · Larned, Kansas 38 Gated 32
Blue Eagle blueeaglecreditunion.comNCUA 68629 · Roanoke, VA 47 Gated 32
Western Vista wvista.comNCUA 3972 · Cheyenne, WY 61 No 32
Wichita wichitafcu.comNCUA 3907 · Wichita, KS 41 Gated 32
Penn East penneastfcu.orgNCUA 2742 · Scranton, PA 53 Gated 32
Grand Bank for Savings, FSB grand.bankFDIC 31864 · Hattiesburg, Mississippi 64 No 31
Bank of Wolcott bankofwolcott.comFDIC 16201 · Wolcott, Indiana 57 No 32
U S Postal Service uspsfcu.orgNCUA 16402 · Clinton, MD 49 No 32
Alltrust alltrustcu.orgNCUA 67481 · Fairhaven, MA 40 Gated 32
Norstate norstatefcu.orgNCUA 4261 · Madawaska, ME 54 No 32
First National Bank of Pasco fnbpasco.comFDIC 26829 · Dade City, Florida 42 Gated 26
PrimeBank of Texas prime.bankFDIC 57495 · Austin, Texas 57 Gated 32
Security State Bank ssbcheyenne.comFDIC 421 · Cheyenne, Oklahoma 51 Gated 1
The Farmers State Bank of Waupaca fsbwaupaca.comFDIC 13033 · Waupaca, Wisconsin 28 Gated 1
Town & Country Bank Midwest tcbankmidwest.comFDIC 10460 · Quincy, Illinois 48 Gated 30
Guthrie County State Bank gcsbank.comFDIC 226 · Panora, Iowa 55 No 32
First Federal Savings and Loan Association of Valdosta 1stfederalvaldosta.comFDIC 29164 · Valdosta, Georgia 50 No 32
SouthernTrust Bank southerntrustbank.comFDIC 57897 · Marion, Illinois 33 Gated 1
First Bank of Ohio firstbankofohio.comblockedFDIC 9450 · Tiffin, Ohio; not measured: HTTP 403 (CloudFront) — No —
Bank of the Federated States of Micronesia bofsm.bankFDIC 26539 · Kolonia, Federated States Of Micronesia 32 Gated 9
FNB Bank, Inc. fnbtoday.comblockedFDIC 6794 · Romney, West Virginia; not measured: HTTP 403 — No —
Incommons Bank, N.A. incommonsbank.comFDIC 3342 · Mexia, Texas 54 No 32
Top Tier toptierfcu.orgNCUA 3655 · Clarion, PA 53 Gated 31
Bank of The Rockies botr.bankFDIC 2205 · Helena, Montana 54 Gated 32
DeWitt Bank & Trust Co. dewittbank.comFDIC 14705 · Dewitt, Iowa 45 Gated 32
Ozarks Federal Savings and Loan Association ofsl.bankFDIC 28277 · Farmington, Missouri 48 No 1
Members First Credit Union of N.h. membersfirstnh.orgNCUA 65491 · Manchester, NH 44 No 32
Success Bank success.bankFDIC 10127 · Bloomfield, Iowa 33 Gated 1
First American State Bank fasbank.comFDIC 34040 · Greenwood Village, Colorado 42 No 2
Newport Federal Bank newportfederalbank.comFDIC 29089 · Newport, Tennessee 35 Gated 27
Reliance State Bank rsbiowa.comFDIC 9299 · Story City, Iowa 59 No 32
Old Glory Bank oldglorybank.comFDIC 18924 · Elmore City, Oklahoma 53 No 32
Ergo Bank ergobank.comFDIC 10004 · Markesan, Wisconsin 47 Gated 32
Edwards edwardsfcu.orgblockedNCUA 14830 · Edwards, CA; not measured: HTTP 403 (CloudFront) — No —
Logansport Savings Bank logansportsavings.bankFDIC 29907 · Logansport, Indiana 50 No 32
Iowa State Savings Bank issbbank.comFDIC 8751 · Creston, Iowa 65 No 32
Mission National Bank mnbsf.comFDIC 23749 · San Francisco, California 45 Gated 27
Bhcu propellcu.orgNCUA 61387 · Ridley Park, PA 45 No 1
Citizens State Bank and Trust Co., Ellsworth, Kansas csbanc.comFDIC 11778 · Ellsworth, Kansas 53 No 1
Unity One unityone.orgNCUA 68589 · Fort Worth, TX 45 No 29
First Federal Bank firstfederalbanknc.comblockedFDIC 31077 · Dunn, North Carolina; not measured: HTTP 403 — No —
The First National Bank of Ballinger fnbballinger.comFDIC 3087 · Ballinger, Texas 58 No 32
First New Mexico Bank firstnewmexicobank.comFDIC 18514 · Deming, New Mexico 59 No 17
Davis Trust Company davistrust.comblockedFDIC 2453 · Elkins, West Virginia; not measured: HTTP 403 (Akamai) — No —
Columbus Bank and Trust Company colbank.comFDIC 15010 · Columbus, Nebraska 66 No 32
FNB Bank fnbfontanelle.comFDIC 954 · Fontanelle, Iowa 70 No 1
First National Bank of Steeleville bankatfnb.comFDIC 1049 · Steeleville, Illinois 50 Gated 32
Penn State pennstatefederal.comNCUA 12729 · Bellefonte, PA 53 No 32
Applied Bank appliedbank.comFDIC 34193 · Wilmington, Delaware 67 No 20
Minnequa Works mymwcu.comNCUA 68240 · Pueblo, CO 56 Gated 32
Aneca aneca.orgNCUA 3212 · Shreveport, LA 40 No 32
Puget Sound Cooperative psccu.orgNCUA 68204 · Bellevue, WA 56 No 32
Cayuga Lake National Bank cayugalakenationalbank.comFDIC 6954 · Union Springs, New York 65 No 32
Members Trust of the Southwest mtfcu.coopNCUA 1584 · Houston, TX 60 No 32
Citizens Bank and Trust Company of Grainger County cbtgrainger.comblockedFDIC 10317 · Rutledge, Tennessee; not measured: HTTP 403 — No —
Primetrust Financial primetrustcu.comNCUA 489 · Muncie, IN 61 No 32
Marshland marshlandcu.comNCUA 68714 · Brunswick, GA 43 Gated 32
Weststar weststar.orgNCUA 68227 · Las Vegas, NV 55 No 32
Saint Lawrence stlawrfcu.comNCUA 9871 · Ogdensburg, NY 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