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 4,001–4,100 of 8,519 · page 41 of 86

SiteScore GatedPages read Report
Northern Skies nsfcu.orgNCUA 18204 · Anchorage, AK 51 No 32
Gateway Commercial Bank gcbaz.comFDIC 58678 · Mesa, Arizona 59 Gated 32
Westex Community wccu.netNCUA 67915 · Kermit, TX 43 Gated 32
The Citizens State Bank of Ouray csbcolorado.comFDIC 1779 · Ouray, Colorado 54 No 32
Bank of Columbia bankcolumbia.comFDIC 8775 · Columbia, Kentucky 58 No 31
The First National Bank of Anderson fnbanderson.comblockedFDIC 3075 · Anderson, Texas; not measured: HTTP 403 — No —
Chaffey chaffey.comNCUA 16030 · Upland, CA 71 No 32
Hawaii Law Enforcement hlefcu.comNCUA 1870 · Honolulu, HI 69 No 32
Greater Springfield grscu.orgNCUA 67902 · Springfield, MA 39 Gated 32
Metropolitan Bank met.bankFDIC 25869 · Oakland, California 71 No 32
The First National Bank of Manchester fnbmbank.comFDIC 2708 · Manchester, Kentucky 56 Gated 31
Maine Highlands mhfcu.comNCUA 17398 · Dexter, ME 61 No 32
Bank of Lincoln County bolconline.comblockedFDIC 57396 · Fayetteville, Tennessee; not measured: HTTP 403 — No —
Landmark Bank landmarkbankla.comFDIC 307 · Clinton, Louisiana 48 Gated 30
The Wanda State Bank wandastatebank.comFDIC 1908 · Wanda, Minnesota 28 Gated 1
Eagle Valley Bank eaglevalley.bankFDIC 10883 · Griggsville, Illinois 50 Gated 30
The First National Bank of Waynesboro fnbwaynesboro.comFDIC 2160 · Waynesboro, Georgia 66 No 32
The People's tpfcu.comNCUA 8290 · Amarillo, TX 73 No 32
The Citizens National Bank thecnb.bankFDIC 4678 · Greenleaf, Kansas 49 No 27
Town & Country Bank tcbank.bankFDIC 1434 · Ravenna, Nebraska 66 No 32
Community Spirit Bank communityspirit.bankFDIC 50 · Red Bay, Alabama 67 No 31
University ucumiami.orgNCUA 67348 · Miami, FL 48 No 32
Clearpath clearpathfcu.orgNCUA 9556 · Burbank, CA 49 No 32
New Cumberland ncfcuonline.orgNCUA 8110 · New Cumberland, PA 70 No 32
The Citizens Bank tcbanytime.comblockedFDIC 10520 · Morehead, Kentucky; not measured: HTTP 403 — No —
First Bank and Trust Company of Illinois firstbankillinois.comFDIC 18641 · Palatine, Illinois 57 Gated 32
Triad Bank, National Association triadbank.comFDIC 24677 · Tulsa, Oklahoma 48 Gated 32
Staley staleycu.comNCUA 81416 · Decatur, IL 46 No 1
United Bank and Trust Company ubtc.netFDIC 14247 · Hampton, Iowa 58 No 32
Bank of Wiggins bankofwiggins.comblockedFDIC 8250 · Wiggins, Mississippi; not measured: HTTP 403 — No —
Neighborhood National Bank mynnb.comFDIC 34548 · El Cajon, California 55 No 31
Embassy National Bank embassynationalbank.comFDIC 58413 · Lawrenceville, Georgia 33 Gated 1
Campco campcofcu.comNCUA 20727 · Gillette, WY 48 Gated 32
Charter Bank charterbanker.comFDIC 34686 · Johnston, Iowa 49 Gated 32
The Stockgrowers State Bank of Ashland, Kansas stockgrowersbank.comFDIC 17650 · Ashland, Kansas 56 No 32
Muenster State Bank muensterstate.bankblockedFDIC 15523 · Muenster, Texas; not measured: HTTP 403 — No —
Eagle Bank eaglebankmn.comFDIC 8824 · Glenwood, Minnesota 56 No 32
Community Bank of Cameron communitybankwi.comFDIC 12349 · Cameron, Wisconsin 64 No 29
Michigan Legacy michiganlegacycu.orgNCUA 62642 · Wyandotte, MI 55 Gated 32
Midwest Members midmembers.orgNCUA 68684 · Wood River, IL 51 No 32
First Farmers & Commercial Bank ffandcb.comblockedFDIC 4960 · Pikeville, Tennessee; not measured: HTTP 403 (CloudFront) — No —
First Security Bank and Trust Company fsbokc.comFDIC 17001 · Oklahoma City, Oklahoma 51 No 30
Cal-Com calcomfcu.orgNCUA 18935 · Port Lavaca, TX 51 No 32
The First Security Bank firstsecurityks.comFDIC 4752 · Overbrook, Kansas 56 Gated 31
I3 Bank i3.bankFDIC 8595 · Bennington, Nebraska 44 Gated 32
Blue Grass Savings Bank bluegrassbank.comFDIC 13753 · Blue Grass, Iowa 45 No 1
First Texoma National Bank ftnb.netFDIC 13905 · Durant, Oklahoma 50 Gated 31
Unity National Bank of Houston unitybanktexas.comFDIC 26351 · Houston, Texas 46 Gated 32
TBO Bank tbobank.comFDIC 10597 · Orrick, Missouri 68 No 32
First State Bank of Bedias bediasbank.comFDIC 16895 · Bedias, Texas 60 No 16
The Seymour Bank seymourbank.comFDIC 15701 · Seymour, Missouri 63 No 1
MCS Bank mcs.bankFDIC 28186 · Milroy, Pennsylvania 57 No 32
Franklin State Bank & Trust Company fsbnet.comblockedFDIC 11792 · Winnsboro, Louisiana; not measured: HTTP 403 — No —
Sanger Bank sangerbank.comblockedFDIC 27043 · Sanger, Texas; not measured: HTTP 403 — No —
WCF Financial Bank wcfbank.comFDIC 28989 · Webster City, Iowa 52 No 32
The Citizens National Bank of Hillsboro cnbhillsboro.comFDIC 3255 · Hillsboro, Texas 48 No 1
Carolina Foothills carolinafoothillsfcu.cooNCUA 13476 · Spartanburg, SC 33 Gated 1
Fort McClellan fortmcclellancu.orgNCUA 61800 · Anniston, AL 66 No 32
Security Bank bankatsecurity.comFDIC 2391 · Newbern, Tennessee 53 No 32
Urw Community urwfcu.orgNCUA 19867 · Danville, VA 76 No 32
The National Bank of Malvern natbankmal.comblockedFDIC 7590 · Malvern, Pennsylvania; not measured: HTTP 403 (CloudFront) — No —
Alatrust alatrustcu.comNCUA 60934 · Hoover, AL 48 Gated 32
Western Division westerndivision.orgNCUA 24731 · Williamsville, NY 39 Gated 32
Chrome chromefcu.orgNCUA 20558 · Canonsburg, PA 57 No 32
Expedition expeditioncu.comNCUA 62964 · Mendota Heights, MN 53 Gated 31
Harris County hcfcu.comNCUA 7552 · Houston, TX 32 Gated 32
Hometown hcuonline.comNCUA 61648 · Kulm, ND 47 No 31
Santa Rosa County srcfcu.orgNCUA 11780 · Milton, FL 66 No 32
State Bank Northwest statebanknorthwest.comFDIC 2945 · Spokane Valley, Washington 61 No 32
The Bank of Charlotte County bankofcharlotte.comFDIC 14491 · Phenix, Virginia 59 No 32
Catholic & Community candccu.comNCUA 65735 · Shiloh, IL 54 No 1
U S #1364 usfederalcu.orgNCUA 1364 · Merrillville, IN 58 No 32
Grand Altitude grandaltitude.comNCUA 16009 · Lander, WY 57 No 32
Tanager Bank tanagerbank.comFDIC 1167 · Jackson, Wyoming 52 Gated 32
Isabella Community iccuonline.comNCUA 61318 · Mt Pleasant, MI 49 Gated 32
Associated School Employees asecu.comNCUA 68587 · Youngstown, OH 46 Gated 32
First Federal Savings and Loan Association of San Rafael ffsavings.comFDIC 31406 · San Rafael, California 53 Gated 32
West Iowa Bank westiowabank.comFDIC 9105 · West Bend, Iowa 75 No 17
Canopy canopycu.comNCUA 11162 · Spokane, WA 59 No 32
Citizens Community Bank ccbga.bankFDIC 12079 · Hahira, Georgia 33 Gated 1
Farmers and Drovers Bank farmersanddrovers.comFDIC 12602 · Council Grove, Kansas 64 No 27
Ipava State Bank ipavastatebank.comFDIC 10473 · Lewistown, Illinois 42 Gated 25
Acipco acipcofcu.orgNCUA 16500 · Birmingham, AL 45 Gated 1
BankSouth no website on recordFDIC 77 · Dothan, Alabama; no web address reported to the FDIC — No —
Farmers State Bank fsbbanks.comFDIC 5797 · Northwood, Iowa 55 No 31
Bank of Milton bankofmilton.comFDIC 11232 · Milton, Wisconsin 46 Gated 27
Friend Bank friendbank.netFDIC 2828 · Slocomb, Alabama 47 Gated 32
The Hicksville Bank thb.bankFDIC 16370 · Hicksville, Ohio 58 No 2
Texasgulf texasgulffcu.orgNCUA 2322 · Wharton, TX 50 No 31
FCNB Bank fcnb.comblockedFDIC 1639 · Steelville, Missouri; not measured: HTTP 403 — No —
The Citizens Bank citizenshickman.comblockedFDIC 9306 · Hickman, Kentucky; not measured: HTTP 403 — No —
Autotruck Financial autotruckfcu.orgNCUA 68617 · Louisville, KY 44 Gated 32
Commerce Bank cbmn.bankFDIC 10212 · Geneva, Minnesota 55 No 8
Carson Bank carsonbank.comFDIC 17369 · Mulvane, Kansas 55 No 30
Naheola naheola.comNCUA 62661 · Pennington, AL 52 No 32
Merchants State Bank msb-sd.comFDIC 1125 · Freeman, South Dakota 56 Gated 30
First Peoples Bank of Tennessee firstpeoplesbank.netFDIC 21874 · Jefferson City, Tennessee 40 No 24
United Citizens Bank & Trust Company unitedcitizensbank.comFDIC 15249 · Campbellsburg, Kentucky 71 No 32
Eastern Utah Community euccu.comNCUA 24709 · Price, UT 44 No 32
Home State Bank hsbofmn.comFDIC 9745 · Litchfield, Minnesota 64 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