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 4,101–4,200 of 8,519 · page 42 of 86

SiteScore GatedPages read Report
First National Bank of Lake Jackson fnblj.comFDIC 18895 · Lake Jackson, Texas 45 No 29
Lakeview Bank lakeview.bankFDIC 57785 · Lakeville, Minnesota 50 No 32
Plaquemine Bank & Trust Company plaqbank.comblockedFDIC 19800 · Plaquemine, Louisiana; not measured: HTTP 403 — No —
H E B hebfcu.orgNCUA 15650 · San Antonio, TX 64 No 32
Valley Bank of Kalispell valleybankmt.comFDIC 1980 · Kalispell, Montana 49 Gated 30
Valley Bank of Ronan valleybankronan.comFDIC 24966 · Ronan, Montana 42 Gated 1
Foundation Bank foundationbank.orgFDIC 13955 · Mc Kenzie, Tennessee 47 No 32
Success successcreditunion.comNCUA 12808 · Blytheville, AR 60 No 32
Stark starkcu.orgNCUA 14120 · Canton, OH 66 No 32
Mount Vernon Bank mountvernon.bankFDIC 8028 · Mount Vernon, Georgia 56 No 32
Nevada Bank and Trust Company nevadabankandtrust.comFDIC 22669 · Caliente, Nevada 54 Gated 31
Iron Workers Savings Bank iwsb.comFDIC 28908 · Aston, Pennsylvania 47 No 26
Bank bank.bankFDIC 14291 · Wapello, Iowa 48 No 1
Parda parda.comNCUA 21686 · Auburn Hills, MI 56 No 32
Citizens Bank & Trust Co. of Jackson citizensbankjackson.bankblockedFDIC 18620 · Jackson, Kentucky; not measured: HTTP 403 — No —
United Consumers uccumo.comNCUA 68410 · Independence, MO 46 No 1
First Texas National Bank firsttexasnb.comFDIC 3197 · Floydada, Texas 53 Gated 32
Crossbridge Community Bank crossbridge.bankFDIC 30516 · Tomahawk, Wisconsin 66 No 32
Bank of Commerce bocrawlins.comFDIC 22639 · Rawlins, Wyoming 68 No 32
Commercial Bank commercialbankky.bankFDIC 9310 · West Liberty, Kentucky 59 No 32
Billings billingsfcu.orgNCUA 887 · Billings, MT 75 No 32
First Bank of Coastal Georgia firstbankofcg.comFDIC 15580 · Pembroke, Georgia 33 Gated 1
Tri County Area tcafcu.orgNCUA 6269 · Pottstown, PA 54 No 32
Farmers and Merchants Bank fmbmilligan.comFDIC 14275 · Milligan, Nebraska 64 No 31
Farmers Savings Bank fsbmy.bankFDIC 18284 · Fostoria, Iowa 51 No 24
Milledgeville State Bank milledgevillebank.comFDIC 15873 · Milledgeville, Illinois 69 No 32
Towpath towpathcu.comNCUA 96658 · Fairlawn, OH 61 No 32
Santa Fe santafefcu.comNCUA 9971 · Amarillo, TX 56 No 32
Okunity okcommunitycu.comNCUA 18965 · Stillwater, OK 50 Gated 31
Beacon beaconfed.orgNCUA 6062 · La Porte, TX 50 Gated 32
1St Liberty 1stliberty.orgNCUA 10375 · Great Falls, MT 48 No 31
Burling Bank burlingbank.comFDIC 27556 · Chicago, Illinois 47 Gated 32
American Bank of the Carolinas abc-nc.comFDIC 59157 · Monroe, North Carolina 49 No 32
Aroostook County Federal Savings and Loan Association yourhomebank.comFDIC 29743 · Caribou, Maine 48 Gated 32
Alabama Central alabamacentral.orgNCUA 60712 · Birmingham, AL 57 No 32
TriCentury Bank tricentury.bankFDIC 18109 · De Soto, Kansas 43 Gated 32
Surety Bank surety.bankFDIC 33026 · Deland, Florida 49 No 30
Denver Fire Department dfdfcu.comNCUA 2881 · Denver, CO 33 Gated 1
U. S. Employees O. C. usecreditunion.orgNCUA 2744 · Oklahoma City, OK 60 No 32
The Farmers and Merchants Bank fmbank.orgblockedFDIC 1843 · Boswell, Indiana; not measured: HTTP 403 — No —
Iowa State Bank myisb.bankFDIC 10497 · Sac City, Iowa 51 No 32
Producers Bank & Trust producers.bankFDIC 11242 · Mcgehee, Arkansas 47 Gated 32
Members Choice of Central Texas choicefcu.comNCUA 199 · Waco, TX 55 No 32
Farmers Savings Bank & Trust fsb-traer.comFDIC 10122 · Traer, Iowa 62 No 31
The Perryton National Bank perrytonbank.comblockedFDIC 3388 · Perryton, Texas; not measured: HTTP 403 — No —
First State Bank of Odem fsbodem.comblockedFDIC 16334 · Odem, Texas; not measured: HTTP 403 — No —
Exchange Bank and Trust Company, Natchitoches, Louisiana exchange-bank.comblockedFDIC 10528 · Natchitoches, Louisiana; not measured: HTTP 403 — No —
The Lyon County State Bank mylcsb.comFDIC 14952 · Emporia, Kansas 56 No 32
Union State Bank unionstate.netFDIC 5602 · Pell City, Alabama 52 Gated 32
AAC goaac.comNCUA 62217 · Grand Rapids, MI 53 Gated 32
Palisades palisadesfcu.orgNCUA 4480 · Pearl River, NY 69 No 32
1st Advantage Bank 1stadvantagebank.comblockedFDIC 57899 · Saint Peters, Missouri; not measured: HTTP 403 — No —
Vidalia Federal Savings Bank vidfedonline.comblockedFDIC 29772 · Vidalia, Georgia; not measured: HTTP 403 — No —
The Community Bank onlinewithtcb.comblockedFDIC 58517 · Bridgeport, Texas; not measured: HTTP 403 — No —
Calhoun County Bank, Inc. calhounbanks.comblockedFDIC 9024 · Grantsville, West Virginia; not measured: HTTP 403 — No —
Madison County Community Bank mccbflorida.comblockedFDIC 35056 · Madison, Florida; not measured: HTTP 403 — No —
Railway railwaycu.comNCUA 60787 · Mandan, ND 42 No 32
The Corner Stone Bank thecornerstonebank.netFDIC 9388 · South West City, Missouri 59 No 32
Statewide statewidefcu.orgNCUA 6369 · Flowood, MS 54 No 32
Fitzsimons fitzsimonscu.comNCUA 10572 · Aurora, CO 74 No 32
Kendall Bank kendallbank.comFDIC 8110 · Overland Park, Kansas 62 No 32
F & M Community Bank, National Association fmcommunity.comFDIC 10967 · Preston, Minnesota 47 Gated 32
Access Community accesscreditunion.comNCUA 67178 · Amarillo, TX 60 No 32
The Jefferson Bank thejeffersonbank.comFDIC 11445 · Greenville, Mississippi 48 No 18
Sunlight sunlightfcu.comNCUA 8733 · Cody, WY 56 No 32
Iowa Trust and Savings Bank iowatrust.bankFDIC 1547 · Centerville, Iowa 66 No 32
U.p. State upscu.comNCUA 62085 · Escanaba, MI 62 No 32
Bank Northwest banknw.comFDIC 16601 · Hamilton, Missouri 48 No 1
Frontier Community frontierccu.orgNCUA 63201 · Leavenworth, KS 60 No 32
The Farmers State Bank and Trust Company fsbtco.comblockedFDIC 11747 · Jacksonville, Illinois; not measured: HTTP 403 — No —
Achieve achievecu.orgNCUA 97094 · Elyria, OH 56 No 32
The Portage County Bank portagecountybank.comFDIC 10012 · Almond, Wisconsin 56 No 32
Peoples State Bank of Velva psbvelva.comFDIC 10250 · Velva, North Dakota 47 No 19
Service First servicefirstfcu.orgNCUA 77 · Sioux Falls, SD 65 No 32
Lisbon Community lisboncu.orgNCUA 13190 · Lisbon, ME 38 No 1
Southern Hills Community Bank southernhillscommunitybank.bankblockedFDIC 29749 · Leesburg, Ohio; not measured: HTTP 403 (Cloudflare) — No —
Apollo Trust Company apollotrust.comFDIC 6051 · Apollo, Pennsylvania 58 Gated 32
Capitol National Bank capitolnational.comFDIC 24199 · Lansing, Michigan 40 Gated 32
Members First memfirstcu.comNCUA 67153 · Brigham City, UT 53 No 32
ESB Bank esbbanking.comFDIC 10980 · Caledonia, Minnesota 59 Gated 31
Alta Vista altavistacu.orgNCUA 64531 · Redlands, CA 63 No 32
Peru Federal Savings Bank perufederalsavings.comFDIC 29384 · Peru, Illinois 63 No 32
SEI Private Trust Company seic.comFDIC 35388 · Oaks, Pennsylvania 48 No 32
Ontario Shores osfcu.comNCUA 14462 · Newfane, NY 48 No 32
The Kansas State Bank mykansasstatebank.comFDIC 10505 · Ottawa, Kansas 58 No 32
Paper City Savings Bank, S.A. pcs.bankFDIC 29676 · Wisconsin Rapids, Wisconsin 47 Gated 32
Farmers & Merchants Bank & Trust fmbanktrust.bankFDIC 13737 · Burlington, Iowa 67 No 32
Accentra accentracu.orgNCUA 60798 · Austin, MN 65 No 32
Community State Bank csb-lamar.comFDIC 58732 · Lamar, Colorado 55 No 20
Century Bank of Kentucky, Inc. centurybankky.comblockedFDIC 35450 · Lawrenceburg, Kentucky; not measured: HTTP 403 — No —
Red Wing redwingcu.comNCUA 61778 · Red Wing, MN 52 Gated 32
Carroll County Trust Company of Carrollton, Missouri cctconline.comFDIC 1611 · Carrollton, Missouri 56 No 32
Merco merco.orgNCUA 64766 · Merced, CA 33 Gated 1
First FSB of Mascoutah firstfederalmascoutah.comFDIC 30969 · Mascoutah, Illinois 59 No 31
Grand Marais State Bank grandmaraisstatebank.comblockedFDIC 8842 · Grand Marais, Minnesota; not measured: HTTP 403 — No —
State Savings Bank statesavings.bankFDIC 14773 · Bedford, Iowa 42 No 20
First & Peoples Bank and Trust Company firstandpeoplesbank.comFDIC 8122 · Russell, Kentucky 57 No 31
The Citizens-Farmers Bank of Cole Camp citizensfarmersbank.comFDIC 11463 · Cole Camp, Missouri 64 No 32
Spring Valley City Bank svcb.comblockedFDIC 12087 · Spring Valley, Illinois; not measured: HTTP 403 — No —
Town & Country Bank tcbanknv.bankblockedFDIC 57312 · Las Vegas, Nevada; 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