US Banks and Credit Unions
banks-credit-unions
Every active FDIC-insured bank and federally insured credit union, largest by total assets first.
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 | Share of the cohort | 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
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-12 | Do you tell search engines the moment a page changes? | 7198 | 0 | |
| EXT-14 | Does your site offer its actions to AI browsers as tools? | 6856 | 0 | |
| EXT-16 | Do you publish a card or a skills list for the agents you run? | 7198 | 0 | |
| EXT-17 | Do you list your agents in your domain's DNS records? | 7060 | 0 |
Near-universal — 95% and above
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| EXT-11 | Have you marked the part of a page that answers a spoken question? | 7198 | 0 | |
| EXT-7 | If you run real question-and-answer pages, are they marked as such? | 326 | 0 | |
| PST-2 | Have you posted a Content Signals statement about what AI may do with your content? | 7198 | 0 | |
| EXT-18 | Do you tell AI shoppers how they can pay? | 516 | 0 | |
| RED-12 | If a machine asks for Markdown, does your site give it? | 7198 | 2 | |
| EXT-2 | Do you list your APIs and agent tools where agents look for them? | 603 | 0 | |
| RED-10 | Do you offer a plain-text (Markdown) copy of your pages? | 5669 | 2 | |
| UND-1 | Does your site say clearly who you are? | 7198 | 2 | |
| UND-5 | Does the author label in your page code point to that person? | 5095 | 1 | |
| RED-5 | Do your PDFs and images have their own rules for search and quoting? | 5472 | 1 | |
| EXT-1 | Do you publish an llms.txt file for coding assistants? | 7198 | 0 |
Common — 90 to 95%
| Test | What it asks | Failing | Of | Points |
|---|---|---|---|---|
| RED-11 | Does each page tell machines where its Markdown copy is? | 59 | 1 | |
| UND-2 | Does your site use the page labels that search engines still read for what you publish? | 7197 | 3 | |
| PST-4 | Have you reserved your text and data mining rights in a form machines can read? | 7198 | 0 | |
| EXT-13 | Can an assistant ask your site a question directly? | 7198 | 0 | |
| EXT-4 | Can an AI assistant connect to your site as a tool? | 7198 | 0 | |
| UND-3 | Do the prices and availability in your page code match what the page shows? | 516 | 3 | |
| UND-10 | Does your page code link to your official profiles elsewhere? | 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 301–400 of 8,519 · page 4 of 86
| Site | Score | Gated | Pages read | Report |
|---|---|---|---|---|
| Choice Financial Group bankwithchoice.comFDIC 9423 · Fargo, North Dakota | 66 | No | 9 | |
| Spokane Teachers stcu.orgNCUA 68203 · Liberty Lake, WA | 65 | No | 2 | |
| Northbrook Bank and Trust Company, National Association northbrookbank.comblockedFDIC 57082 · Northbrook, Illinois; not measured: HTTP 406 | — | No | — | |
| Five Star Bank five-starbank.comFDIC 659 · Rochester, New York | 61 | No | 32 | |
| Mercantile Bank mercbank.comFDIC 34598 · Grand Rapids, Michigan | 54 | Gated | 32 | |
| Coastal coastal24.comblockedNCUA 18297 · Raleigh, NC; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| First International Bank & Trust fibt.comFDIC 10248 · Watford City, North Dakota | 57 | No | 32 | |
| First Financial Bank, National Association first-online.bankFDIC 4382 · Terre Haute, Indiana | 59 | No | 32 | |
| Middlesex Savings Bank middlesexbank.comblockedFDIC 90183 · Natick, Massachusetts; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Shore United Bank, National Association shoreunitedbank.comFDIC 4832 · Easton, Maryland | 60 | No | 32 | |
| CFG Bank cfg.bankFDIC 34294 · Lutherville, Maryland | 50 | Gated | 32 | |
| Tinker tinkerfcu.orgNCUA 24524 · Oklahoma City, OK | 74 | No | 32 | |
| SmartBank smartbank.comFDIC 58463 · Pigeon Forge, Tennessee | 59 | No | 32 | |
| Bradesco Bank bradescobank.comFDIC 21265 · Coral Gables, Florida | 45 | Gated | 22 | |
| Trustone Financial trustonefinancial.orgNCUA 68722 · Plymouth, MN | 64 | Gated | 32 | |
| River City Bank rivercitybank.comFDIC 18983 · Sacramento, California | 62 | Gated | 32 | |
| Banesco USA banescousa.comFDIC 57815 · Miami, Florida | 37 | Gated | 32 | |
| Wilson Bank and Trust wilsonbank.comFDIC 26962 · Lebanon, Tennessee | 60 | No | 32 | |
| Fremont Bank fremontbank.comFDIC 19222 · Fremont, California | 61 | No | 32 | |
| Bank First, N.A. bankfirst.comFDIC 5304 · Manitowoc, Wisconsin | 50 | No | 32 | |
| Royal rcu.orgNCUA 66834 · Eau Claire, WI | 56 | No | 32 | |
| CTBC Bank Corp. (USA) ctbcbankusa.comFDIC 19416 · Los Angeles, California | 54 | No | 32 | |
| Travis traviscu.orgNCUA 68429 · Vacaville, CA | 40 | No | 32 | |
| Farmers & Merchants Bank of Central California fmbonline.comFDIC 1331 · Lodi, California | 58 | No | 32 | |
| State Employees Cu of Maryland, Inc secumd.orgNCUA 66330 · Linthicum, MD | 52 | Gated | 32 | |
| Nasa nasafcu.comNCUA 6328 · Upper Marlboro, MD | 56 | Gated | 32 | |
| Everwise everwisecu.comNCUA 60060 · South Bend, IN | 53 | No | 32 | |
| Westamerica Bank westamerica.comblockedFDIC 3430 · San Rafael, California; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| State Farm statefarmfcu.comNCUA 1273 · Bloomington, IL | 39 | Gated | 32 | |
| Apple applefcu.orgblockedNCUA 11307 · Fairfax, VA; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Emigrant Bank emigrant.comFDIC 57083 · Miami, Florida | 53 | No | 2 | |
| Independent Bank independentbank.comFDIC 27811 · Grand Rapids, Michigan | 51 | No | 32 | |
| Langley langleyfcu.orgNCUA 1261 · Newport News, VA | 51 | No | 32 | |
| Firstrust Savings Bank firstrust.comFDIC 26647 · Conshohocken, Pennsylvania | 61 | No | 32 | |
| The Cape Cod Five Cents Savings Bank capecodfive.comFDIC 23287 · Hyannis, Massachusetts | 60 | No | 32 | |
| Truliant truliantfcu.orgNCUA 7840 · Winston Salem, NC | 62 | No | 31 | |
| Orrstown Bank orrstown.comFDIC 713 · Harrisburg, Pennsylvania | 47 | Gated | 32 | |
| Institution for Savings in Newburyport and Its Vicinity institutionforsavings.comFDIC 90250 · Newburyport, Massachusetts | 62 | No | 32 | |
| Visions visionsfcu.orgNCUA 17429 · Endicott, NY | 71 | No | 32 | |
| First Internet Bank of Indiana firstib.comFDIC 34607 · Fishers, Indiana | 62 | No | 32 | |
| Great Southern Bank greatsouthernbank.comFDIC 29546 · Reeds Spring, Missouri | 51 | No | 32 | |
| The American National Bank of Texas anbtx.comFDIC 23474 · Terrell, Texas | 62 | No | 32 | |
| Coastal Community Bank coastalbank.comFDIC 34403 · Everett, Washington | 55 | No | 32 | |
| Green Dot Bank DBA Bonneville Bank bonnevillebank.comblockedFDIC 22653 · Provo, Utah; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Peoples Security Bank and Trust Company psbt.comFDIC 7514 · Dunmore, Pennsylvania | 40 | Gated | 32 | |
| California ccu.comNCUA 24980 · Glendale, CA | 71 | No | 32 | |
| Broadway National Bank broadway.bankblockedFDIC 15797 · San Antonio, Texas; not measured: HTTP 403 | — | No | — | |
| Stride Bank, National Association stridebank.comFDIC 4091 · Enid, Oklahoma | 54 | Gated | 32 | |
| The Canandaigua National Bank and Trust Company cnbank.comFDIC 6985 · Canandaigua, New York | 39 | Gated | 32 | |
| City Bank city.bankblockedFDIC 25103 · Lubbock, Texas; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Bridgewater Bank bridgewaterbankmn.comblockedFDIC 58210 · Saint Louis Park, Minnesota; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Five Star Bank fivestarbank.comFDIC 35361 · Roseville, California | 61 | No | 32 | |
| Educational Employees myeecu.orgNCUA 60520 · Fresno, CA | 64 | No | 32 | |
| Chevron chevronfcu.orgNCUA 24326 · Concord, CA | 52 | No | 32 | |
| American Heritage americanheritagecu.orgNCUA 5621 · Philadelphia, PA | 52 | No | 32 | |
| Morton Community Bank hometownbanks.comblockedFDIC 18429 · Morton, Illinois; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Fairwinds fairwinds.orgNCUA 68417 · Orlando, FL | 64 | No | 32 | |
| Celtic Bank celticbank.comFDIC 57056 · Salt Lake City, Utah | 63 | No | 1 | |
| InterBank interbank.comFDIC 27210 · Oklahoma City, Oklahoma | 72 | No | 32 | |
| Knoxville Tva Employees tvacreditunion.comunreachableNCUA 68085 · Knoxville, TN | — | No | — | |
| Southern Bank and Trust Company southernbank.comFDIC 15359 · Mount Olive, North Carolina | 49 | Gated | 32 | |
| Keesler kfcu.orgNCUA 5561 · Biloxi, MS | 55 | No | 32 | |
| Canvas canvas.orgNCUA 64778 · Lone Tree, CO | 40 | No | 1 | |
| Leader Bank, National Association leaderbank.comFDIC 57134 · Arlington, Massachusetts | 41 | No | 1 | |
| Alerus Financial, National Association alerus.comFDIC 3931 · Grand Forks, North Dakota | 54 | No | 32 | |
| Northeast Bank northeastbank.comFDIC 19690 · Portland, Maine | 44 | Gated | 32 | |
| Founders foundersfcu.comblockedNCUA 24063 · Lancaster, SC; not measured: HTTP 403 | — | No | — | |
| Southern Bank bankwithsouthern.comFDIC 28332 · Poplar Bluff, Missouri | 43 | Gated | 32 | |
| Municipal nymcu.orgNCUA 60153 · New York, NY | 49 | Gated | 32 | |
| Barrington Bank & Trust Company, National Association barringtonbank.comblockedFDIC 34395 · Barrington, Illinois; not measured: HTTP 406 | — | No | — | |
| Vantage Bank Texas vantage.bankFDIC 3405 · San Antonio, Texas | 51 | Gated | 9 | |
| First National Bank Alaska fnbalaska.comblockedFDIC 16130 · Anchorage, Alaska; not measured: HTTP 403 | — | No | — | |
| Community Bank of Mississippi communitybank.netunreachableFDIC 8879 · Flowood, Mississippi | — | No | — | |
| Washington State Employees wsecu.orgNCUA 60042 · Olympia, WA | 50 | Gated | 32 | |
| Affinity Plus affinityplus.orgNCUA 24362 · Saint Paul, MN | 64 | No | 32 | |
| First Community firstcommunity.comNCUA 67619 · Chesterfield, MO | 58 | No | 32 | |
| Community West Bank communitywestbank.comFDIC 23030 · Fresno, California | 48 | No | 1 | |
| Nusenda nusenda.orgNCUA 948 · Albuquerque, NM | 42 | Gated | 32 | |
| Texas Dow Employees tdecu.orgNCUA 60705 · Houston, TX | 54 | No | 32 | |
| Tower towerfcu.orgNCUA 8333 · Laurel, MD | 56 | No | 32 | |
| Bank of Stockton bankofstockton.comFDIC 1536 · Stockton, California | 62 | No | 32 | |
| Robins Financial robinsfcu.orgblockedNCUA 68670 · Warner Robins, GA; not measured: HTTP 403 | — | No | — | |
| Ornl ornlfcu.comNCUA 5797 · Oak Ridge, TN | 53 | No | 32 | |
| John Deere Financial, f.s.b. deere.comblockedFDIC 35237 · Middleton, Wisconsin; not measured: HTTP 403 (CloudFront) | — | No | — | |
| Dacotah Bank dacotahbank.comblockedFDIC 17437 · Aberdeen, South Dakota; not measured: HTTP 403 | — | No | — | |
| Eecu eecu.orgblockedNCUA 67928 · Fort Worth, TX; not measured: HTTP 403 | — | No | — | |
| Ascend ascend.orgNCUA 7397 · Tullahoma, TN | 65 | No | 32 | |
| Blaze blazecu.comNCUA 68651 · Falcon Heights, MN | 48 | No | 1 | |
| Liberty libertyfcu.orgNCUA 1682 · Evansville, IN | 56 | No | 32 | |
| Carter Bank & Trust carterbank.comblockedFDIC 58596 · Martinsville, Virginia; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Hills Bank and Trust Company hillsbank.comFDIC 14650 · Hills, Iowa | 48 | No | 32 | |
| Wheaton Bank & Trust, National Association wheatonbank.comblockedFDIC 33803 · Wheaton, Illinois; not measured: HTTP 406 | — | No | — | |
| First Bank & Trust bankeasy.comFDIC 3973 · Brookings, South Dakota | 48 | No | 32 | |
| Rally rallycu.comNCUA 68615 · Corpus Christi, TX | 49 | Gated | 32 | |
| Gecu gecu-ep.orgblockedNCUA 24941 · El Paso, TX; not measured: HTTP 403 (Cloudflare) | — | No | — | |
| Bar Harbor Bank & Trust barharbor.bankFDIC 11971 · Bar Harbor, Maine | 63 | No | 32 | |
| Town Bank, National Association townbank.usblockedFDIC 34717 · Hartland, Wisconsin; not measured: HTTP 406 | — | No | — | |
| Southern First Bank southernfirst.comFDIC 35295 · Greenville, South Carolina | 58 | No | 9 | |
| Erebor Bank, N.A. no website on recordFDIC 59378 · Columbus, Ohio; no web address reported to the FDIC | — | No | — | |
| The Fidelity Bank fidelitybanknc.comFDIC 11507 · Fuquay Varina, North Carolina | 65 | 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