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 3,701–3,800 of 8,519 · page 38 of 86

Site	Score	Gated	Pages read
North Central Area ncacu.orgNCUA 61953 · Houghton Lake, MI	61	No	31
Farmers and Merchants State Bank fmstate.bankFDIC 15610 · Winterset, Iowa	40	Gated	32
Cherokee State Bank cherokeestatebank.comFDIC 951 · Cherokee, Iowa	56	No	29
Long Beach City Employees lbcefcu.orgNCUA 1438 · Signal Hill, CA	61	No	32
The Apple Creek Banking Company applecreekbank.comblockedFDIC 737 · Apple Creek, Ohio; not measured: HTTP 403	—	No	—
Lewis Clark lewisclarkcu.orgNCUA 68386 · Lewiston, ID	52	Gated	32
The Farmers and Merchants National Bank of Nashville bankwithfmb.comFDIC 3821 · Nashville, Illinois	59	No	31
FNB Bank fnb.comFDIC 14420 · Goodland, Kansas	54	No	32
North Shore Trust and Savings northshoretrust.comFDIC 27683 · Waukegan, Illinois	56	Gated	32
Citizens State Bank citizensstatebk.comblockedFDIC 15519 · Miles, Texas; not measured: HTTP 403	—	No	—
Mediapolis Savings Bank gomsb.bankFDIC 15772 · Mediapolis, Iowa	62	No	32
Border borderfcu.comNCUA 24304 · Del Rio, TX	69	No	32
South Coast Bank & Trust southcoast.bankFDIC 16283 · Brunswick, Georgia	33	Gated	1
Gold Coast gcfcu.orgNCUA 967 · Palm Springs, FL	63	No	32
Farmers and Merchants Bank fmbank-tx.comFDIC 3170 · De Leon, Texas	52	Gated	21
Castroville State Bank castrovillestatebank.comblockedFDIC 17979 · Castroville, Texas; not measured: HTTP 403 (CloudFront)	—	No	—
The Peoples Bank peoples1943.comFDIC 16152 · Eatonton, Georgia	47	No	1
South Georgia Bank southgabank.comFDIC 32532 · Glennville, Georgia	57	No	32
Community Bank of Georgia communitybankga.comFDIC 57579 · Baxley, Georgia	67	No	23
The First National Bank and Trust Company of Broken Arrow fnbba.comFDIC 4050 · Broken Arrow, Oklahoma	47	Gated	4
Freedom Financial Bank freedomfinancialbank.comFDIC 35031 · West Des Moines, Iowa	61	No	31
Service One socu.comNCUA 62484 · Bowling Green, KY	64	No	32
Arlo Bank arlo.bankFDIC 29143 · Springfield, Missouri	48	No	1
People's Community peoplescu.orgNCUA 24713 · Vancouver, WA	65	No	32
Lamar Bank and Trust Company lbt.comFDIC 1964 · Lamar, Missouri	53	No	32
Riverside Bank of Dublin riverside.bankFDIC 59199 · Dublin, Ohio	33	Gated	1
Patriots Bank patriotsbank.comFDIC 18019 · Garnett, Kansas	63	No	20
St. Francis X stfranciscu.orgNCUA 7219 · Petoskey, MI	68	No	28
Westside State Bank westsidestate.bankFDIC 18518 · Westside, Iowa	55	No	32
North Valley Bank nvbank.bankFDIC 18710 · Thornton, Colorado	65	No	25
Bank of Deerfield bankofdeerfield.bankFDIC 2477 · Deerfield, Wisconsin	33	Gated	1
Advantage One myaocu.comNCUA 68679 · Brownstown, MI	65	No	32
The Harrison Building and Loan Association bankhbl.comFDIC 28080 · Harrison, Ohio	54	No	21
Department of the Interior interiorfederal.orgNCUA 319 · Washington, DC	57	No	32
Auburn University myaucu.orgNCUA 68701 · Auburn, AL	47	Gated	27
The First National Bank of Dennison fnbdennison.bankFDIC 6574 · Dennison, Ohio	56	No	30
The Wilmington Savings Bank wilmingtonsavings.comFDIC 31539 · Wilmington, Ohio	56	No	32
Midwest Community midwestcommunity.orgNCUA 9522 · Defiance, OH	55	Gated	32
Midcoast midcoastfcu.meNCUA 10898 · Freeport, ME	69	No	32
Pillar Bank pillar.bankblockedFDIC 5336 · Baldwin, Wisconsin; not measured: HTTP 403	—	No	—
American Bank & Trust Company americanbankandtrust.netblockedFDIC 17906 · Opelousas, Louisiana; not measured: HTTP 403	—	No	—
Wells River Savings Bank wellsriversavings.comFDIC 14136 · Wells River, Vermont	59	No	32
Community First Bank of the Heartland cfbh.bankblockedFDIC 3846 · Mount Vernon, Illinois; not measured: HTTP 403	—	No	—
Community Bank of the South cbos.bankblockedFDIC 35212 · Merritt Island, Florida; not measured: HTTP 403	—	No	—
Security Trust & Savings Bank securitybanksl.comFDIC 968 · Storm Lake, Iowa	59	No	32
Anahuac National Bank anbank.netFDIC 22381 · Anahuac, Texas	53	No	32
Clackamas County Bank clackamascountybank.comFDIC 9486 · Sandy, Oregon	54	No	29
Capital Bank and Trust Company americanfunds.comFDIC 35164 · Irvine, California	53	No	1
Alliance Bank alliancebank.usFDIC 12511 · Mondovi, Wisconsin	47	Gated	32
First Bank of Manhattan fnbmanhattan.comFDIC 3702 · Manhattan, Illinois	55	No	31
SPC spccu.orgNCUA 60686 · Hartsville, SC	48	No	1
East Wisconsin Savings Bank eastwis.bankFDIC 30313 · Kaukauna, Wisconsin	28	Gated	1
PeopleFirst Bank peoplefirstbank.comFDIC 58597 · Joliet, Illinois	65	No	31
Niagara's Choice niagaraschoice.orgNCUA 8693 · Niagara Falls, NY	51	Gated	32
Jim Thorpe Neighborhood Bank jtnb.comFDIC 7599 · Jim Thorpe, Pennsylvania	42	No	31
Bank of DeSoto, National Association bankdesoto.comFDIC 26542 · De Soto, Texas	56	No	32
Texas Financial Bank texasfinancial.comFDIC 26738 · Eden, Texas	60	No	17
Summit Bank summitbanking.comFDIC 23864 · Oakland, California	59	No	32
Commercial State Bank wausabank.comFDIC 13819 · Wausa, Nebraska	60	No	32
Illiana Financial illiana.orgNCUA 68425 · Calumet City, IL	51	No	32
Greenville Federal greenvillefederal.comFDIC 27965 · Greenville, Ohio	45	Gated	32
Security Bank USA securitybankusa.comFDIC 1604 · Bemidji, Minnesota	33	Gated	1
Bank of Jamestown bankofjamestown.comFDIC 8118 · Jamestown, Kentucky	73	No	1
Madison Valley Bank madisonvalleybank.comblockedFDIC 19544 · Ennis, Montana; not measured: HTTP 403	—	No	—
FBT Bank & Mortgage fbtbank.comblockedFDIC 1028 · Fordyce, Arkansas; not measured: HTTP 403	—	No	—
ONE onecu.orgNCUA 63923 · Springfield, VT	69	No	32
Somerset somersetfcu.comNCUA 24239 · Somerset, MA	61	Gated	32
Landings landingscu.orgNCUA 62937 · Tempe, AZ	43	No	32
Marblehead Bank marblebank.comFDIC 90234 · Marblehead, Massachusetts	63	No	32
Wyoming Community Bank wyomingcommunity.bankFDIC 35220 · Riverton, Wyoming	60	No	31
Edifi edificu.comNCUA 12679 · Rancocas, NJ	60	No	32
Filer filercu.comNCUA 62010 · Manistee, MI	56	Gated	32
Bank of Brookhaven bankofbrookhaven.comFDIC 35439 · Brookhaven, Mississippi	55	No	30
Union Savings and Loan Association uslabank.comFDIC 29933 · Connersville, Indiana	56	No	32
Bank of Holland bankofhollandny.comFDIC 1464 · Holland, New York	60	No	32
Clarion County Community Bank clarionbank.comFDIC 57624 · Clarion, Pennsylvania	67	No	32
Bank of Salem bksalem.netblockedFDIC 11243 · Salem, Arkansas; not measured: HTTP 403	—	No	—
Energy Capital eccu.netNCUA 61936 · Houston, TX	59	No	32
YNB ynbok.comFDIC 4235 · Yukon, Oklahoma	54	No	32
AB&T abtgold.comFDIC 35029 · Albany, Georgia	48	No	21
Guadalupe Bank guadalupebank.comblockedFDIC 58768 · Kerrville, Texas; not measured: HTTP 403	—	No	—
Grand Rapids State Bank grsb.bankFDIC 10962 · Grand Rapids, Minnesota	61	Gated	32
Marathon Bank marathonbank.comFDIC 29745 · Wausau, Wisconsin	41	Gated	32
First Bank of Central Ohio fbcentralohio.comFDIC 59249 · Worthington, Ohio	51	Gated	32
Southwest Heritage swhcu.comNCUA 60533 · Odessa, TX	33	Gated	1
Commercial State Bank, of Wagner commercialstate.comFDIC 9932 · Wagner, South Dakota	41	No	26
Elevate elevatecu.comNCUA 9163 · Brigham City, UT	62	No	32
Petit Jean State Bank pjsb.comFDIC 35084 · Morrilton, Arkansas	28	Gated	29
Gulf Coast ccgcfcu.comNCUA 4060 · Corpus Christi, TX	48	Gated	32
Bank of Hindman bankofhindman.comFDIC 289 · Hindman, Kentucky	28	Gated	1
Community Point Bank ourcpb.bankFDIC 14604 · Russellville, Missouri	68	No	32
First Texas Bank firsttexasbank.bankblockedFDIC 3293 · Lampasas, Texas; not measured: HTTP 403	—	No	—
Gerber gerberfcu.comNCUA 6832 · Fremont, MI	45	No	32
Finger Lakes flfcu.orgNCUA 18022 · Geneva, NY	48	No	32
Knoxville Teachers ktfcu.orgblockedNCUA 24464 · Knoxville, TN; not measured: HTTP 403 (Cloudflare)	—	No	—
Community First Bank communityfirstbank.netFDIC 10595 · Butler, Missouri	50	No	17
Hidden River hdriver.orgNCUA 64932 · Pottsville, PA	57	Gated	31
Liberty Bank libertybankal.comFDIC 20429 · Geraldine, Alabama	54	Gated	28
Mygeorgia mygacu.comNCUA 68602 · Gainesville, GA	33	Gated	32
Central State centralstatecu.orgNCUA 60363 · Stockton, CA	66	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