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 4,201–4,300 of 8,519 · page 43 of 86

SiteScore GatedPages read Report
FWBank firstwomens.bankFDIC 59195 · Chicago, Illinois 33 Gated 1
Wadena State Bank wadenastatebank.comblockedFDIC 13430 · Wadena, Minnesota; not measured: HTTP 403 (Cloudflare) — No —
Summit Choice summitchoice.orgNCUA 21593 · Fort Wayne, IN 48 No 32
Union State Bank usbcc.comblockedFDIC 15908 · Clay Center, Kansas; not measured: HTTP 403 — No —
Murphy-Wall State Bank and Trust Company murphywall.comFDIC 10860 · Pinckneyville, Illinois 28 Gated 1
Badger Bank badgerbank.bankFDIC 2469 · Fort Atkinson, Wisconsin 67 No 32
Liberty Bank libertybanknw.comFDIC 58778 · Poulsbo, Washington 34 Gated 32
Cooperative Choice Network ccncu.comNCUA 63783 · Peoria, IL 51 Gated 32
Halstead Bank halsteadbank.comblockedFDIC 17451 · Halstead, Kansas; not measured: HTTP 403 (Cloudflare) — No —
Priority One priorityonecu.orgNCUA 60024 · South Pasadena, CA 50 No 32
Legacy State Bank legacystatebank.comFDIC 57882 · Loganville, Georgia 67 No 32
First Cahawba Bank firstcahawba.comFDIC 58636 · Selma, Alabama 48 No 1
Impact Credit Union, Inc. impactcu.orgNCUA 68150 · Clyde, OH 43 Gated 31
Bluestone bluestonefcu.orgNCUA 2874 · Sioux Falls, SD 54 Gated 32
Credit Union of Ohio cuofohio.orgNCUA 68561 · Hilliard, OH 64 No 31
Commonwealth Co-operative Bank commonwealthcoop.comFDIC 29842 · Hyde Park, Massachusetts 41 Gated 32
Northern Hills northernhillsfcu.orgNCUA 6986 · Sturgis, SD 46 Gated 32
Houghton State Bank houghtonstatebank.comFDIC 15405 · Red Oak, Iowa 66 No 32
Minnstar Bank National Association minnstarbank.comFDIC 13809 · Lake Crystal, Minnesota 69 No 32
Vicinity vicinitycreditunion.comNCUA 60041 · Chicago, IL 59 No 32
The First National Bank of Groton grotonbank.comFDIC 7085 · Groton, New York 63 No 32
The First National Bank of Dryden drydenbank.comFDIC 7031 · Dryden, New York 46 No 32
Greeneville Federal Bank, FSB greenevillefederalbank.comFDIC 31198 · Greeneville, Tennessee 43 Gated 19
Aurgroup aurgroup.orgNCUA 96761 · Fairfield, OH 66 No 32
Scott State Bank scottbancshares.comFDIC 8491 · Bethany, Illinois 28 Gated 1
Trunorth trunorthcu.orgNCUA 6332 · Ishpeming, MI 73 No 32
BOC Bank bocbanking.comFDIC 25328 · Mclean, Texas 68 No 14
Financial Trust financialtrustfederalcreNCUA 6870 · Cheektowaga, NY 33 Gated 1
Employees employeescu.comNCUA 63299 · Estherville, IA 33 Gated 1
Southwest Montana Community swmcfcu.orgNCUA 4401 · Anaconda, MT 60 No 32
Duke University dukefcu.orgNCUA 18616 · Durham, NC 66 No 31
Bank of Commerce bankboc.comFDIC 13274 · Chelsea, Oklahoma 69 No 32
Awakon awakonfcu.netNCUA 7465 · Onaway, MI 62 Gated 32
Buffalo Federal Bank buffalofed.bankFDIC 29696 · Buffalo, Wyoming 48 No 1
Central Bank and Trust centralbanktrust.comFDIC 529 · Lander, Wyoming 49 No 16
Verus Bank of Commerce verusboc.comFDIC 58025 · Fort Collins, Colorado 59 No 32
Lone Star Bank lsbtexas.comFDIC 58324 · Houston, Texas 56 No 32
Oklahoma Bank and Trust Company oklabank.comblockedFDIC 4067 · Clinton, Oklahoma; not measured: HTTP 403 — No —
Bank 21 bank21.comFDIC 8560 · Carrollton, Missouri 53 No 1
Citizens citizensfcu.comNCUA 10170 · Big Spring, TX 43 No 32
Mountain Valley Bank, N.A. mountainvalleybank.comblockedFDIC 6786 · Elkins, West Virginia; not measured: HTTP 403 — No —
First Community Bank and Trust firstcbt.bankFDIC 15913 · Beecher, Illinois 33 Gated 1
Iowa Falls State Bank ifsbank.comFDIC 15311 · Iowa Falls, Iowa 42 Gated 1
Long Beach Firemen S lbfcu.orgNCUA 67921 · Long Beach, CA 53 No 31
Minden Exchange Bank & Trust Company mindenexchange.comFDIC 5439 · Minden, Nebraska 62 No 13
The Citizens Bank of Cochran citizensbankcochran.comFDIC 16275 · Cochran, Georgia 33 Gated 1
Millennial Bank millennial.bankblockedFDIC 34460 · Leeds, Alabama; not measured: HTTP 403 — No —
The First National Bank of Louisburg go.ibankfirst.comFDIC 4722 · Louisburg, Kansas 38 Gated 1
AIM aimcreditunion.comNCUA 64886 · Dubuque, IA 48 No 1
PeoplesTrust Bank peoplestrustbk.comblockedFDIC 57569 · Hamilton, Alabama; not measured: HTTP 403 — No —
State Bank & Trust of Kenmare sbtk.comFDIC 2057 · Kenmare, North Dakota 61 No 1
Keen Bank, National Association keen.bankFDIC 5270 · Waseca, Minnesota 48 Gated 32
Horizon Financial Bank horizonfinancialbank.comFDIC 15598 · Munich, North Dakota 58 No 31
Bank of Delight bankofdelight.comunreachableFDIC 99 · Delight, Arkansas — No —
Keystone Savings Bank keystonesavings.bankFDIC 17993 · Marengo, Iowa 33 Gated 1
SmartBiz Bank, National Association smartbizbank.comFDIC 58158 · Northbrook, Illinois 58 No 32
Spirit of Alaska spiritofak.comNCUA 13583 · Fairbanks, AK 61 No 32
The Valley State Bank valleystatebank.comFDIC 15038 · Belle Plaine, Kansas 33 Gated 1
The First National Bank of McConnelsville first-national.comFDIC 6637 · Mcconnelsville, Ohio 52 Gated 30
York State Bank yorkstatebank.comFDIC 16079 · York, Nebraska 66 No 32
Abbey abbeycu.comNCUA 97111 · Vandalia, OH 53 Gated 32
First National Bank in Taylorville fnbtaylorville.comFDIC 17572 · Taylorville, Illinois 43 No 24
New Haven Bank newhavenbank.comFDIC 58952 · New Haven, Connecticut 51 Gated 32
Area areafcu.orgNCUA 274 · Aberdeen, SD 38 Gated 32
Massena Savings and Loan massenasavingsloan.comFDIC 30429 · Massena, New York 52 Gated 32
First State Bank 1ststatebank4me.comblockedFDIC 12244 · Farnam, Nebraska; not measured: HTTP 403 — No —
Blue Ridge Bank blueridge.bankFDIC 17773 · Walhalla, South Carolina 57 No 32
The First National Bank of Evant fnbevant.comblockedFDIC 3190 · Evant, Texas; not measured: HTTP 403 — No —
Sentinel sentinelfcu.orgNCUA 10257 · Box Elder, SD 43 Gated 32
Chattanooga Area Schools casfcu.comNCUA 690 · Chattanooga, TN 43 No 32
Elkton Bank & Trust Company elktonbankandtrust.comFDIC 12162 · Elkton, Kentucky 48 No 32
Merchants and Planters Bank mpbank.netFDIC 327 · Raymond, Mississippi 42 No 22
Oklahoma okfcu.comNCUA 7151 · Oklahoma City, OK 52 Gated 1
Gouverneur Savings and Loan Association gouverneurbank.comFDIC 30976 · Gouverneur, New York 49 No 32
Magnolia State Bank bankmsb.comFDIC 877 · Eastman, Georgia 57 No 32
Fidelity Bank fidelity-bank.comFDIC 5753 · Savanna, Illinois 61 No 32
Service 1 service1fcu.comNCUA 4038 · Muskegon, MI 61 No 32
White Eagle whiteeaglecu.comNCUA 63189 · Augusta, KS 62 No 32
Simmesport State Bank simmesportstatebank.netblockedFDIC 17587 · Simmesport, Louisiana; not measured: HTTP 403 — No —
Farmers State Bank of Hamel fsboh.comFDIC 8214 · Hamel, Minnesota 53 No 1
Vermilion Valley Bank vermilionvalleybank.comFDIC 11667 · Piper City, Illinois 50 Gated 1
Firestone fofcu.comNCUA 14066 · Akron, OH 46 Gated 26
Commerce Bank & Trust cbt-fl.comFDIC 57429 · Winter Park, Florida 55 No 1
Central Virginia cvfcu.comNCUA 22307 · Lynchburg, VA 61 No 32
Lineage Bank lineagebank.comFDIC 6100 · Franklin, Tennessee 43 Gated 1
State Bank & Trust Co. banksbt.comFDIC 15651 · Nevada, Iowa 63 No 21
Lyons Federal Bank lyonsfed.comFDIC 27727 · Lyons, Kansas 60 No 1
First Federal Savings and Loan Association of Van Wert 1stfedvw.comblockedFDIC 29135 · Van Wert, Ohio; not measured: HTTP 403 — No —
SKY skyfcu.orgNCUA 761 · Livingston, MT 67 No 1
Chelsea Savings Bank chelseasavingsbank.comFDIC 15427 · Belle Plaine, Iowa 33 Gated 1
Membersource membersourcecu.orgNCUA 68440 · Houston, TX 57 No 32
Endurance endurancefcu.orgNCUA 13898 · Duncan, OK 68 No 32
Coloramo coloramo.orgNCUA 8725 · Grand Junction, CO 46 Gated 32
Oklahoma Capital Bank oklahomacapitalbank.comFDIC 18856 · Tulsa, Oklahoma 60 No 1
The First National Bank of Waverly thefirstnational.comblockedFDIC 6725 · Waverly, Ohio; not measured: HTTP 403 — No —
Frederick Community Bank, The tfcbanks.comFDIC 10446 · Paxton, Illinois 47 Gated 32
Farmers State Bank farmersstatebanktexas.comblockedFDIC 15367 · Groesbeck, Texas; not measured: HTTP 403 — No —
New Market Bank newmarket.bankFDIC 1931 · Elko New Market, Minnesota 47 Gated 32
The Peoples Bank pbmag.comblockedFDIC 12531 · Magnolia, Arkansas; not measured: HTTP 403 — No —
Schools schoolsfcu.orgNCUA 3526 · Torrance, CA 59 Gated 31

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