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 4,301–4,400 of 8,519 · page 44 of 86

SiteScore GatedPages read Report
Adrian Bank adrianbank.comFDIC 8251 · Adrian, Missouri 48 Gated 20
Integro Bank integrobank.comFDIC 59283 · Phoenix, Arizona 28 Gated 1
Saco Valley sacovalley.orgNCUA 68324 · Saco, ME 51 Gated 32
Mount Vernon Bank and Trust Company mountvernonbank.comFDIC 10494 · Mount Vernon, Iowa 59 Gated 32
P & G Mehoopany Employees pgmfcu.orgNCUA 20861 · Tunkhannock, PA 48 No 1
ECO ecocu.orgNCUA 65464 · Birmingham, AL 52 No 31
Polish-American mypafcu.comNCUA 22280 · Troy, MI 57 Gated 32
The Seiling State Bank seilingsb.comFDIC 4193 · Seiling, Oklahoma 55 No 25
The First National Bank of Absecon fnbabsecon.comFDIC 6442 · Absecon, New Jersey 61 No 32
Conservation Employees cecuonline.orgNCUA 64199 · Jefferson City, MO 62 No 32
The Fidelity State Bank and Trust Company fidelitybankdc.comFDIC 10920 · Dodge City, Kansas 65 No 7
Beach Municipal beachmunicipal.orgNCUA 20394 · Virginia Beach, VA 50 Gated 32
Citizens State Bank csbsheldon.comFDIC 18356 · Sheldon, Iowa 42 No 32
Central Federal Savings and Loan Association centralfederalsavings.comFDIC 28425 · Cicero, Illinois 33 Gated 1
Great Rivers Bank greatriversbank.bankblockedFDIC 3762 · Barry, Illinois; not measured: HTTP 403 — No —
Big Island bigislandfcu.comNCUA 1607 · Hilo, HI 53 Gated 32
Community Bank of Elmhurst communityelmhurst.comblockedFDIC 33805 · Elmhurst, Illinois; not measured: HTTP 403 — No —
Bank of Cave City bankofcavecity.comFDIC 105 · Cave City, Arkansas 58 Gated 29
Northeast Community bemycu.orgunreachableNCUA 67021 · Elizabethton, TN — No —
The Farmers State Bank fsb1908.bankFDIC 404 · Quinton, Oklahoma 56 No 32
Riverfall riverfallcu.comNCUA 60942 · Tuscaloosa, AL 58 No 30
Liberty Bank liberty.bankFDIC 11719 · Liberty, Illinois 69 No 31
Peoples Bank pboflebanon.comFDIC 1562 · Lebanon, Kentucky 40 Gated 31
Security Savings Bank securitysavingsbank.comFDIC 14208 · Gowrie, Iowa 60 No 31
Northern Interstate Bank, N. A. banknib.comFDIC 13784 · Norway, Michigan 50 Gated 22
Mon Valley Community mvcfcu.comNCUA 1911 · Allenport, PA 67 No 8
Western Nebraska Bank westernnebraskabank.comFDIC 1983 · Curtis, Nebraska 35 Gated 32
Downriver Community downrivercu.comNCUA 4853 · Ecorse, MI 43 Gated 31
Farmers and Miners Bank farmersandminersbank.comblockedFDIC 22888 · Pennington Gap, Virginia; not measured: HTTP 403 — No —
Long Reach lrefcu.orgNCUA 22241 · Middlebourne, WV 33 Gated 1
Discovery discoveryfcu.orgNCUA 12935 · Wyomissing, PA 52 Gated 32
Community Neighbor Bank cnbal.netFDIC 2787 · Camden, Alabama 61 No 32
The Cincinnatus Savings & Loan Co. cincinnatussl.comFDIC 28157 · Cincinnati, Ohio 62 Gated 32
River Works rwcu.comNCUA 66346 · Lynn, MA 49 No 32
Kauai kauaicreditunion.orgNCUA 5487 · Lihue, HI 63 No 32
Wrentham Co-operative Bank wrenthamcoop.comFDIC 26576 · Wrentham, Massachusetts 43 Gated 32
Walden Mutual Bank waldenmutual.comFDIC 59289 · Concord, New Hampshire 67 No 32
First Federal Savings Bank of Champaign Urbana 356bank.comFDIC 28445 · Champaign, Illinois 58 No 32
Peoples Bank ourpeoplesbank.comFDIC 15216 · Lyons, Georgia 54 No 32
The Bank of the West botw.bankFDIC 25703 · Thomas, Oklahoma 33 Gated 1
Bank of Sunset and Trust Company bankofsunset.comblockedFDIC 11788 · Sunset, Louisiana; not measured: HTTP 403 (CloudFront) — No —
Bank of Anguilla bankofanguilla.comFDIC 8243 · Anguilla, Mississippi 38 No 31
South Central State Bank southcentralstatebank.comFDIC 16707 · Campbell, Nebraska 55 No 13
Texas Advantage Community Bank, National Association texasadvantagecommunitybank.comFDIC 58450 · Alvin, Texas 33 Gated 1
Georgetown Kraft gkcu.orgNCUA 60791 · Georgetown, SC 43 Gated 32
BankPacific, Ltd bankpacific.comFDIC 30692 · Hagatna, Guam 28 Gated 1
First Central firstcentralcu.comNCUA 67644 · Waco, TX 62 No 32
First Trust firsttrustcu.comNCUA 68596 · Michigan City, IN 62 No 31
Farmers Trust & Savings Bank ftsbia.comFDIC 14392 · Williamsburg, Iowa 68 No 32
Garden Plain State Bank gpsbank.comFDIC 19687 · Wichita, Kansas 57 No 28
The First National Bank and Trust Company of Miami fnbmiami.comFDIC 4148 · Miami, Oklahoma 60 No 32
Public Safety publicsafetycu.orgNCUA 62812 · Kansas City, MO 49 No 32
Priority Trust prioritytrustcu.orgNCUA 61457 · Houston, TX 52 Gated 32
CBL State Savings Bank mycbl.bankblockedFDIC 31900 · Greer, South Carolina; not measured: HTTP 403 — No —
Independence Bank no website on recordFDIC 22925 · Independence, Ohio; no web address reported to the FDIC — No —
Bristol Morgan Bank bristolmorganbank.comFDIC 9523 · Oakfield, Wisconsin 53 Gated 32
Pioneer Community Bank, Inc. pioneercommunitybank.comFDIC 2448 · Iaeger, West Virginia 41 Gated 32
United Pacific Bank upbnet.comblockedFDIC 23805 · City Of Industry, California; not measured: HTTP 403 (CloudFront) — No —
The Haverford Trust Company haverfordquality.comFDIC 26189 · Radnor, Pennsylvania 58 Gated 32
Progressive Ozark Bank progressiveozarkbank.comFDIC 31488 · Salem, Missouri 28 Gated 1
Citizens State Bank csbanktx.comblockedFDIC 11905 · Corrigan, Texas; not measured: HTTP 403 (CloudFront) — No —
Municipal Emps Cu of Oklahoma City mecuokc.orgNCUA 65503 · Oklahoma City, OK 58 Gated 32
First State Bank Shannon-Polo fsbshannon-polo.comFDIC 1781 · Shannon, Illinois 45 Gated 32
Peoples State Bank of Munising psbup.comblockedFDIC 15165 · Munising, Michigan; not measured: HTTP 403 — No —
Fowler State Bank fowlerstatebank.comFDIC 1821 · Fowler, Indiana 47 No 32
The Geo. D. Warthen Bank gdwbank.comblockedFDIC 2154 · Sandersville, Georgia; not measured: HTTP 403 — No —
Citizens Federal Savings Bank citizensfsb.bankFDIC 30150 · Leavenworth, Kansas 50 Gated 32
Jersey State Bank jerseystatebank.comblockedFDIC 12384 · Jerseyville, Illinois; not measured: HTTP 403 — No —
First Enterprise Bank febokc.comFDIC 4049 · Oklahoma City, Oklahoma 56 No 32
The First State Bank of Malta fsbmalta.comFDIC 1982 · Malta, Montana 56 No 29
Mil-Way milway.orgNCUA 24197 · Texarkana, AR 49 No 32
Kelly Community kellycommunity.orgNCUA 15467 · Tyler, TX 56 Gated 32
Sierra Pacific sierrapacificfcu.orgNCUA 1000 · Reno, NV 68 No 32
Government Employees gefcuaustin.orgNCUA 24465 · Austin, TX 66 No 1
The Peoples Savings Bank thepeoplessavingsbank.comFDIC 29975 · Urbana, Ohio 38 Gated 32
Nw Preferred nwpreferredfcu.comNCUA 3853 · Tigard, OR 75 No 32
Miami Firefighters mffcu.orgNCUA 872 · Miami, FL 45 Gated 32
Peoples Savings Bank bankpsb.comFDIC 14868 · Wellsburg, Iowa 42 Gated 32
First Federal Savings and Loan Association of Bath firstfederalbath.comFDIC 29636 · Bath, Maine 38 No 1
Highlands Community Bank hc.bankFDIC 57420 · Covington, Virginia 54 No 32
Beach Cities Commercial Bank beachcitiescb.comFDIC 59290 · Irvine, California 51 No 32
Community Bank cbtopeka.bankFDIC 34020 · Topeka, Kansas 57 No 32
Ripco ripco.orgNCUA 67183 · Rhinelander, WI 28 Gated 1
The Bank of Beaver City bankofbeaver.bankFDIC 11862 · Beaver, Oklahoma 41 No 24
Blue Coast mybcfcu.comNCUA 11154 · Perry, FL 39 No 1
Lone Star lonestarcu.orgNCUA 68449 · Dallas, TX 68 No 32
Democracy democracyfcu.orgNCUA 1407 · Alexandria, VA 57 No 32
Bank of Camilla bankofcamilla.netblockedFDIC 17190 · Camilla, Georgia; not measured: HTTP 403 — No —
Citizens Bank citizensbank.wsFDIC 22601 · Butler, Missouri 33 Gated 1
Citizens Savings Bank and Trust Company bankcbn.comFDIC 10319 · Nashville, Tennessee 51 No 31
Puerto Rico prfedcu.comNCUA 13939 · Caparra, PR 28 Gated 1
First State Bank socorrobanking.comFDIC 16600 · Socorro, New Mexico 54 No 25
First Federal Savings of Middletown firstfederalmiddletown.comFDIC 28712 · Middletown, New York 48 No 1
Cincinnati Ohio Police copfcu.comNCUA 389 · Cincinnati, OH 48 No 1
SJP sjpfcu.orgNCUA 3306 · Buffalo, NY 58 No 31
Bellevue State Bank bellevuestatebank.comFDIC 14415 · Bellevue, Iowa 53 No 1
The First National Bank in Tremont tremontbank.comFDIC 3749 · Tremont, Illinois 56 No 32
Farmers State Bank farmersstate-oh.comFDIC 8647 · West Salem, Ohio 47 Gated 32
Prairie Community Bank prairiecommunitybank.comFDIC 34526 · Marengo, Illinois 56 No 32
Priority First priorityfirstfcu.orgNCUA 19655 · Du Bois, PA 55 Gated 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