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 3,801–3,900 of 8,519 · page 39 of 86

SiteScore GatedPages read Report
USX usxfcu.orgNCUA 2740 · Cranberry Twp, PA 58 Gated 32
First National Bank of Kentucky fnbkentucky.comblockedFDIC 2735 · Carrollton, Kentucky; not measured: HTTP 403 — No —
Highmark highmarkfcu.comNCUA 4122 · Rapid City, SD 53 No 32
The Farmers State Bank of Westmoreland bankwithfarmers.comFDIC 15164 · Westmoreland, Kansas 66 No 32
Cendera Bank cenderabank.comFDIC 3098 · Bells, Texas 48 No 1
Union State Bank of Hazen betterstate.comFDIC 13195 · Hazen, North Dakota 51 No 32
Truchoice trufcu.comNCUA 10100 · Portland, ME 55 No 32
Western National Bank mywnb.comFDIC 4778 · Chester, Nebraska 51 Gated 29
Lee Bank and Trust Company leebank24.comFDIC 11582 · Pennington Gap, Virginia 56 No 32
Moog Employees moogfcu.comNCUA 15669 · East Aurora, NY 48 Gated 32
Cypress Bank & Trust cypressbanktrust.comFDIC 35506 · Melbourne, Florida 60 No 32
Bridge bridgecu.orgNCUA 62406 · Powell, OH 56 Gated 32
Red Crown redcrown.orgNCUA 2585 · Tulsa, OK 58 No 1
Hibernia Bank hibernia.bankFDIC 27752 · New Orleans, Louisiana 58 No 32
Tremont tremontcu.orgNCUA 68349 · Boston, MA 54 No 32
The Citizens First National Bank of Storm Lake citizensfnb.comFDIC 4511 · Storm Lake, Iowa 57 No 30
Alliant Bank alliantbank.comblockedFDIC 1946 · Madison, Missouri; not measured: HTTP 403 — No —
Connections connectidaho.orgNCUA 68257 · Pocatello, ID 50 Gated 32
Heartland Bank heartlandbanks.bankFDIC 14809 · Somers, Iowa 33 Gated 1
United Southeast usfcu.orgNCUA 4714 · Bristol, TN 59 No 32
Cacl caclfcu.orgNCUA 8523 · Pottsville, PA 52 Gated 32
Bankers' Bank of Kansas bbok.comFDIC 27351 · Wichita, Kansas 58 Gated 32
Idaho Trust Bank idahotrust.comFDIC 35103 · Boise, Idaho 65 No 32
North Jersey njfcu.orgNCUA 1015 · Totowa, NJ 61 No 32
Home Bank of California hbc.bankFDIC 26271 · San Diego, California 63 No 32
Truecore truecore.orgNCUA 4024 · Newark, OH 64 No 32
The Gunnison Bank and Trust Company gunnisonbank.comFDIC 11259 · Gunnison, Colorado 51 Gated 32
The Bank of Monroe mybankofmonroe.comblockedFDIC 6180 · Union, West Virginia; not measured: HTTP 403 — No —
Wayne Bank and Trust Co. waynebankonline.comFDIC 1849 · Richmond, Indiana 60 No 32
First Bank & Trust Company fbt.bankblockedFDIC 13946 · Perry, Oklahoma; not measured: HTTP 403 — No —
BNY Mellon Trust of Delaware bny.comFDIC 24867 · Wilmington, Delaware 43 Gated 31
Hometown Bank ht.bankFDIC 30219 · Kent, Ohio 33 Gated 1
Farmers State Bank fsbparkston.comFDIC 1686 · Parkston, South Dakota 48 No 1
Mountain Valley Bank mtnvalleybankonline.comFDIC 1705 · Dunlap, Tennessee 61 No 32
Merchants Bank merchantsbankrugby.comFDIC 8943 · Rugby, North Dakota 53 No 32
Raritan State Bank raritanstatebank.comFDIC 10438 · Raritan, Illinois 56 No 28
VisionBank bankwithvision.comFDIC 58063 · Saint Louis Park, Minnesota 63 No 32
Security Bank securityonlinebank.comFDIC 10015 · New Auburn, Wisconsin 48 No 22
Citizens Community citizenscu.comNCUA 66592 · Fort Dodge, IA 58 No 32
Union Bank and Trust Company ubtmn.comFDIC 22242 · Minneapolis, Minnesota 33 Gated 1
The Clay City Banking Co. claycitybanking.bankFDIC 10845 · Clay City, Illinois 60 No 32
The Family familycu.comNCUA 60728 · Davenport, IA 56 Gated 32
GenuBank genubank.comFDIC 58806 · Las Vegas, Nevada 70 No 32
Malvern Bank malvern.bankFDIC 14230 · Malvern, Iowa 56 Gated 32
Keys keysfcu.orgNCUA 4135 · Key West, FL 45 Gated 32
Gulf Atlantic Bank gulfatlanticbank.comFDIC 59181 · Key West, Florida 62 No 32
Bank of Perry County thebankonthego.comFDIC 1713 · Lobelville, Tennessee 63 No 32
Bank of Little Rock bankoflittlerock.comFDIC 91280 · Little Rock, Arkansas 61 No 32
GHS ghsfcu.comNCUA 3841 · Binghamton, NY 63 No 32
Community West communitywestcu.orgNCUA 61677 · Kentwood, MI 56 Gated 32
Smackover State Bank smackoverbank.comFDIC 5623 · Smackover, Arkansas 55 No 15
The Peoples Bank of Georgia peoplesbankofga.comblockedFDIC 170 · Talbotton, Georgia; not measured: HTTP 403 — No —
Lafayette State Bank lafayettestate.bankblockedFDIC 16396 · Mayo, Florida; not measured: HTTP 403 — No —
St. Paul stpaulfcu.orgNCUA 24358 · Saint Paul, MN 56 No 32
Tongass tongassfcu.comNCUA 15523 · Ketchikan, AK 30 Gated 32
Southern Security southernsecurity.orgNCUA 5974 · Collierville, TN 57 Gated 32
Cedar Falls Community cfccu.orgNCUA 65565 · Cedar Falls, IA 53 Gated 32
Security National Bank of South Dakota snbsd.comFDIC 34394 · Dakota Dunes, South Dakota 43 No 32
Auburn State Bank auburnstatebank.comFDIC 11477 · Auburn, Nebraska 54 No 32
Bank of Alapaha bankofalapaha.comFDIC 155 · Alapaha, Georgia 33 Gated 1
First National Bank of Burleson firstburleson.comFDIC 23430 · Burleson, Texas 48 Gated 32
Quoin Financial Bank quoinbank.comFDIC 15629 · Miller, South Dakota 60 No 1
Denver Savings Bank bankdsb.comFDIC 12857 · Denver, Iowa 44 Gated 32
The First National Bank in Trinidad fnbtrinidad.comFDIC 14584 · Trinidad, Colorado 45 No 6
Citizens Bank citizensbankrb.comblockedFDIC 262 · Mount Vernon, Kentucky; not measured: HTTP 403 — No —
The City National Bank of Taylor cnbt.bankFDIC 5548 · Taylor, Texas 63 No 32
Community Bank of Marshall ourcommunity.bankFDIC 22636 · Marshall, Missouri 54 No 32
Anthem Bank & Trust anthembank.comFDIC 29679 · Plaquemine, Louisiana 49 No 32
Building Trades buildingtradescu.comNCUA 24414 · Maple Grove, MN 62 No 32
Chief Financial chiefonline.comNCUA 4271 · Rochester Hills, MI 57 No 32
Shrewsbury shrewsburycu.comNCUA 13601 · Shrewsbury, MA 45 No 32
Bank of Grand Lake bankofgrandlake.comFDIC 57915 · Grove, Oklahoma 48 Gated 23
First National Bank USA fnbusa.comblockedFDIC 22046 · Boutte, Louisiana; not measured: HTTP 403 — No —
Bank of Easton bankofeaston.comFDIC 26554 · North Easton, Massachusetts 46 Gated 1
First State Bank of the Ozarks fsbozk.comFDIC 16162 · Purdy, Missouri 64 No 31
Peoples Bank peoplesbk.comFDIC 12230 · Cuba, Missouri 44 Gated 32
Illinois State itsmycreditunion.orgNCUA 64920 · Normal, IL 56 No 1
Currency Bank currency.bankblockedFDIC 35019 · Baton Rouge, Louisiana; not measured: HTTP 403 — No —
Charlevoix State Bank charlevoixstatebank.comFDIC 33926 · Charlevoix, Michigan 54 No 32
First Financial Bank ffbalabama.comFDIC 19440 · Bessemer, Alabama 49 Gated 32
Pyramid pyramidfcu.comNCUA 24826 · Tucson, AZ 28 Gated 1
Farmers Bank and Trust Company yournxtbank.comFDIC 2765 · Princeton, Kentucky 74 No 32
Nw Priority nwprioritycu.orgunreachableNCUA 63315 · Portland, OR — No —
Greater Alliance greateralliance.orgblockedNCUA 2182 · Paramus, NJ; not measured: HTTP 403 — No —
Drake Bank drake-bank.comFDIC 57336 · Saint Paul, Minnesota 59 Gated 32
Hendricks County Bank and Trust Company hendrickscountybank.comFDIC 13111 · Brownsburg, Indiana 36 Gated 1
Citizens Bank of Eldon cbeldon.comFDIC 1956 · Eldon, Missouri 28 Gated 1
Bodcaw Bank bodcaw.bankFDIC 5624 · Stamps, Arkansas 46 No 1
Geovista geovistacu.comNCUA 16168 · Hinesville, GA 56 No 32
1st National Bank bankwith1st.comFDIC 6646 · Lebanon, Ohio 55 No 32
MC mcfcu.orgNCUA 24929 · Danville, PA 33 Gated 1
PennCrest Bank penncrest.bankFDIC 30119 · Altoona, Pennsylvania 47 No 32
Union Bank myunion.bankFDIC 6088 · Jamestown, Tennessee 46 Gated 14
Cornerstone State Bank cornerstonestatebank.comFDIC 21525 · Montgomery, Minnesota 43 Gated 32
Sterling sterlingcreditunion.orgNCUA 2840 · Sterling, CO 47 Gated 32
Bridge City State Bank bridgecitybank.comblockedFDIC 18155 · Bridge City, Texas; not measured: HTTP 403 — No —
Bank of Weston bankofweston.comFDIC 1418 · Weston, Missouri 60 No 32
Cleveland State Bank clevelandstate.bankFDIC 9517 · Cleveland, Wisconsin 58 No 32
Seaboard seaboardfcu.comNCUA 4118 · Bucksport, ME 44 No 32
Jersey Shore jerseyshorefcu.orgNCUA 15483 · Northfield, NJ 62 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