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 3,901–4,000 of 8,519 · page 40 of 86

SiteScore GatedPages read Report
Lewisburg Banking Company lewisburgbank.comblockedFDIC 297 · Lewisburg, Kentucky; not measured: HTTP 403 — No —
Meritus merituscu.netNCUA 9643 · Lafayette, LA 55 No 32
First Federal Savings and Loan Association firstfeddelta.bankFDIC 29345 · Delta, Ohio 51 No 27
Farmers & Merchants State Bank fandmstbk.comFDIC 13242 · Waterloo, Wisconsin 53 No 30
Mi Bank mi.bankFDIC 59138 · Bloomfield Township, Michigan 56 No 32
Bank of Abbeville & Trust Company bankofabbeville.comFDIC 11782 · Abbeville, Louisiana 56 No 1
Bossier bossierfcu.orgNCUA 9300 · Bossier City, LA 34 Gated 32
Investex investexcu.orgNCUA 97112 · Humble, TX 60 No 30
Main Bank main.bankblockedFDIC 22086 · Albuquerque, New Mexico; not measured: HTTP 403 — No —
Pioneer Appalachia pioneerafcu.orgNCUA 3576 · Charleston, WV 63 No 32
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC hslc.bankFDIC 29571 · Kenton, Ohio 44 Gated 32
Luso lusofederal.comNCUA 20600 · Ludlow, MA 60 Gated 32
Community South communitysouth.netNCUA 67434 · Chipley, FL 61 No 32
Security Bank, s.b. securitybk.comFDIC 27723 · Springfield, Illinois 67 No 31
C E S cescu.comNCUA 62352 · Mount Vernon, OH 47 No 32
Capon Valley Bank caponvalleybank.comFDIC 9998 · Wardensville, West Virginia 48 No 1
New Dimensions newdimensionsfcu.comNCUA 11253 · Waterville, ME 52 No 32
Homeland Community Bank homelandcb.comFDIC 57632 · Mcminnville, Tennessee 63 No 31
Novation novation.orgNCUA 65063 · Oakdale, MN 56 No 32
State Nebraska Bank & Trust statenebank.comFDIC 5490 · Wayne, Nebraska 59 No 32
Taylor County Bank taylorcountybank.comFDIC 15590 · Campbellsville, Kentucky 58 No 29
Corazo corazocu.comNCUA 68356 · El Centro, CA 54 Gated 32
Ohio Valley Community ohiovalleycu.orgNCUA 24909 · Clarington, OH 40 Gated 25
The Turbotville National Bank ttnb.comunreachableFDIC 7789 · Turbotville, Pennsylvania — No —
First Pioneer National Bank fpnb.bankFDIC 3063 · Wray, Colorado 55 No 32
Citizens Progressive Bank cpbonline.comFDIC 10531 · Winnsboro, Louisiana 42 Gated 32
BankChampaign, National Association bankchampaign.comFDIC 22434 · Champaign, Illinois 73 No 32
Skypoint skypointfcu.comNCUA 18917 · Germantown, MD 52 No 32
Mutual Savings mutualsavings.orgNCUA 60501 · Birmingham, AL 65 No 32
First Farmers & Merchants National Bank ffmbank.comFDIC 5186 · Luverne, Minnesota 56 No 32
Center National Bank centernationalbank.comFDIC 10976 · Litchfield, Minnesota 49 No 32
Southbridge southbridgecu.comNCUA 66374 · Southbridge, MA 28 Gated 1
Citizens Bank & Trust Company bankwithcitizens.comFDIC 5469 · Saint Paul, Nebraska 62 No 27
The Idabel National Bank idabelnational.comFDIC 4241 · Idabel, Oklahoma 56 No 32
Waycross Bank & Trust wbt.bankFDIC 27254 · Waycross, Georgia 33 Gated 1
Arcadian Bank arcadian.bankblockedFDIC 10561 · Hartland, Minnesota; not measured: HTTP 403 — No —
The Commercial Bank of Grayson cbgrayson.comblockedFDIC 10137 · Grayson, Kentucky; not measured: HTTP 403 — No —
National Bank & Trust nbt-texas.comblockedFDIC 3289 · La Grange, Texas; not measured: HTTP 403 — No —
Financial Plus financialpluscu.comNCUA 62965 · West Des Moines, IA 48 No 1
Security Savings Bank securitysavings.comFDIC 28925 · Monmouth, Illinois 54 No 32
FirstOak Bank firstoakbank.comFDIC 4660 · Independence, Kansas 47 No 32
Nebraska Bank of Commerce thenbcbank.comFDIC 58724 · Lincoln, Nebraska 48 No 32
Method Bank method.bankFDIC 2317 · Wyandotte, Oklahoma 66 No 15
Adams County Bank adamscountybank.netFDIC 14311 · Kenesaw, Nebraska 58 Gated 32
Bank of Grandin bankofgrandin.netFDIC 9392 · Grandin, Missouri 56 Gated 11
First Bank Hampton fbh.bankFDIC 4464 · Hampton, Iowa 58 No 32
Valley Bank of Nevada valleybanknv.comFDIC 57933 · North Las Vegas, Nevada 46 No 29
Campbell County Bank, Inc. campbellcountybank.comFDIC 16161 · Herreid, South Dakota 62 No 10
Encompass encompasscu.orgNCUA 8548 · Tipton, IN 67 No 32
Peoples Trust and Savings Bank peoplestrust.bankFDIC 13113 · Boonville, Indiana 49 No 31
Americhoice americhoice.orgNCUA 20041 · Mechanicsburg, PA 57 No 32
Michigan One Community m1ccu.orgNCUA 62169 · Ionia, MI 51 Gated 32
The First National Bank of Sterling City thefnbsc.comFDIC 5538 · Sterling City, Texas 55 No 22
Bank of Farmington bankoffarmington.comFDIC 11732 · Farmington, Illinois 56 No 32
Bankwest bankwestmn.comFDIC 16704 · Rockford, Minnesota 65 No 1
First Bank of Boaz firstbankofboaz.comFDIC 2784 · Boaz, Alabama 33 Gated 1
The First National Bank of Sycamore sycamore.bankblockedFDIC 6706 · Sycamore, Ohio; not measured: HTTP 403 (CloudFront) — No —
bankcda bankcda.bankFDIC 57074 · Coeur D Alene, Idaho 48 Gated 32
The First National Bank and Trust fnbandt.comFDIC 2779 · Atmore, Alabama 65 No 32
Spring Hill State Bank springhillbank.comFDIC 22526 · Longview, Texas 48 Gated 32
Citizens Bank of the Midwest cbmw.bankFDIC 16126 · Rolla, Missouri 58 No 32
Buckeye Community Bank buckeyebank.comFDIC 35101 · Elyria, Ohio 69 No 2
Bull Dog bdfcu.comNCUA 18868 · Hagerstown, MD 53 Gated 32
Citizens State Bank csbankcadott.comFDIC 2467 · Cadott, Wisconsin 52 No 11
Quest questfcu.comNCUA 19508 · Kenton, OH 56 Gated 32
Alpine Capital Bank alpinecapitalbank.comFDIC 35377 · New York, New York 55 No 27
F3 f3creditunion.comblockedNCUA 64835 · San Jose, CA; not measured: HTTP 403 (Cloudflare) — No —
Williamstown Bank, Inc. williamstownbank.comblockedFDIC 14744 · Williamstown, West Virginia; not measured: HTTP 403 — No —
First Service firstcu.comNCUA 11170 · Groveport, OH 61 No 32
True North truenorthfcu.orgNCUA 5892 · Juneau, AK 64 No 32
SRI srifcu.orgNCUA 11872 · Menlo Park, CA 52 Gated 32
Clarity claritycu.comNCUA 68295 · Nampa, ID 63 No 32
Cypress Bank, SSB cypressbanktx.comFDIC 31905 · Pittsburg, Texas 44 Gated 32
Loyal Trust Bank loyaltrustbank.comFDIC 59182 · Johns Creek, Georgia 66 No 32
Sabine sabinefcu.orgNCUA 5866 · Orange, TX 63 No 32
Home Loan State Bank hlsb.comFDIC 90040 · Grand Junction, Colorado 48 No 1
The Atlantic theatlanticfcu.comblockedNCUA 477 · Kenilworth, NJ; not measured: HTTP 403 — No —
First Federal Savings and Loan Association of Central Illinois, S.B. 1stfedci.comFDIC 29645 · Shelbyville, Illinois 65 No 31
The First National Bank of Izard County fnbizardcounty.comFDIC 11252 · Calico Rock, Arkansas 58 No 32
Crossroads Bank crossroadsbank.comblockedFDIC 21486 · Effingham, Illinois; not measured: HTTP 403 — No —
Warren-Boynton State Bank wbsb.comFDIC 11674 · New Berlin, Illinois 57 No 32
Anna-Jonesboro National Bank ajnational.comFDIC 3759 · Anna, Illinois 75 No 1
Capitol ccutx.orgNCUA 67865 · Austin, TX 52 No 32
United Farmers State Bank unitedfsb.comblockedFDIC 8821 · Adams, Minnesota; not measured: HTTP 403 — No —
Pantex pantexfcu.comNCUA 3571 · Borger, TX 69 No 1
Great North Bank greatnorthbank.comFDIC 15146 · Florence, Wisconsin 51 No 32
The Citizens Bank tcbenterprise.comFDIC 16369 · Enterprise, Alabama 47 Gated 32
Sunwest sunwestecu.comNCUA 65082 · Pueblo, CO 62 No 32
Farmers and Merchants State Bank, Bloomfield, Nebraska fandmstatebank.comFDIC 13662 · Bloomfield, Nebraska 66 No 32
CornerStone Bank cornerstonebankva.comFDIC 58859 · Lexington, Virginia 53 Gated 24
Community First Guam cfirstguam.comNCUA 15051 · Hagatna, GU 72 No 32
Farmers State Bank fsbankmctn.comFDIC 13775 · Mountain City, Tennessee 51 No 20
Security State Bank of Marine themarinebank.comFDIC 10163 · Marine On St. Croix, Minnesota 52 No 17
First State Bank fsbloomis.comFDIC 16333 · Loomis, Nebraska 66 No 32
Taylorsville Savings Bank, SSB taylorsvillesavings.comFDIC 32348 · Taylorsville, North Carolina 39 Gated 27
West Central Bank westcentralbank.comFDIC 10853 · Ashland, Illinois 56 No 32
Andover State Bank goasb.comFDIC 16410 · Andover, Kansas 59 Gated 32
Farmers State Bank of Hoffman fsbhoffman.comFDIC 9259 · Hoffman, Illinois 44 Gated 1
Peoples Bank of the South peoplesbanksouth.comFDIC 4945 · La Follette, Tennessee 51 No 32
St. Clair County State Bank sccsbank.comblockedFDIC 11002 · Osceola, Missouri; not measured: HTTP 403 — No —

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