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 4,401–4,500 of 8,519 · page 45 of 86

SiteScore GatedPages read Report
Savannah Bank National Association savannahbankny.comFDIC 14619 · Savannah, New York 48 Gated 29
The First National Bank of Raymond fnbraymond.comFDIC 3830 · Raymond, Illinois 49 Gated 32
Omega omegafcu.comNCUA 3711 · Wexford, PA 61 No 32
Valley Central Bank valleycentral.orgFDIC 28555 · Liberty Township, Ohio 63 No 25
Lincoln County lincolncountycu.comNCUA 63199 · Libby, MT 65 No 32
Southwind Bank southwindbank.comFDIC 4735 · Natoma, Kansas 53 Gated 31
Gulf Coast Business Bank gcbbswfl.comFDIC 59281 · Fort Myers, Florida 59 No 32
Journey journeyfcu.orgNCUA 20943 · Saint Johns, MI 49 Gated 32
Sebasticook Valley svfcume.comNCUA 8936 · Pittsfield, ME 64 Gated 32
Liberty Trust & Savings Bank mylibertytrust.comFDIC 10121 · Durant, Iowa 55 Gated 30
Farmers State Bank farmersstateonline.comFDIC 879 · Lincolnton, Georgia 53 Gated 27
Citizens Federal Savings and Loan Association citizensfederalsl.comFDIC 28060 · Bellefontaine, Ohio 33 Gated 1
Infirst infirstfcu.orgNCUA 233 · Alexandria, VA 49 Gated 32
Bank of Richmondville bankrich.comFDIC 12956 · Cobleskill, New York 61 No 30
Xcel xcelfcu.orgNCUA 16218 · Bloomfield, NJ 59 No 32
United Republic Bank unitedrepublic.bankFDIC 58359 · Elkhorn, Nebraska 50 Gated 27
Magnolia magfedcu.orgNCUA 224 · Jackson, MS 60 No 32
State Bank of Bement bankbement.comFDIC 10855 · Bement, Illinois 63 No 32
The Home National Bank of Thorntown thehomenationalbank.comblockedFDIC 14225 · Thorntown, Indiana; not measured: HTTP 403 — No —
Employee Resources ercu.orgNCUA 67789 · Lawrenceburg, TN 61 No 32
Tensas State Bank tensas.comFDIC 8533 · Newellton, Louisiana 28 Gated 1
Peoples Bank pbparis.comFDIC 27398 · Paris, Texas 52 No 32
Alden aldencu.comNCUA 67951 · Chicopee, MA 64 No 32
Pine River State Bank pineriverstatebank.comFDIC 10194 · Pine River, Minnesota 45 No 32
Horizon Utah myhorizoncu.comNCUA 24746 · Farmington, UT 72 No 32
Members' Advantage membersadvantagecu.comNCUA 66633 · Wisconsin Rapid, WI 49 No 32
Citizens' Bank of Charleston citizensbankinfo.bankFDIC 17830 · Charleston, Missouri 57 No 32
First State Bank of Ben Wheeler, Texas fsbbenwheeler.comFDIC 11904 · Ben Wheeler, Texas 28 Gated 1
Mission Bank missionbankaz.comFDIC 57137 · Kingman, Arizona 45 Gated 32
South Metro southmet.comNCUA 24482 · Prior Lake, MN 36 Gated 1
Heritage Community Bank hcbonline.usblockedFDIC 57656 · Greeneville, Tennessee; not measured: HTTP 403 — No —
Miami Postal Service mpscu.orgNCUA 67330 · Miami, FL 46 Gated 32
First Nebraska firstnebraska.orgNCUA 65398 · Omaha, NE 48 No 1
First State Bank fsbtx.comblockedFDIC 1218 · Spearman, Texas; not measured: HTTP 403 — No —
Chemcel chemcel.orgNCUA 7129 · Bishop, TX 57 No 32
Safe Harbor safeharborcu.orgNCUA 61988 · Ludington, MI 60 No 32
State Bank of Southwest Missouri state.bankFDIC 26358 · Springfield, Missouri 57 No 32
Citizens Bank & Trust Company cbtbanking.comblockedFDIC 16417 · Covington, Louisiana; not measured: HTTP 403 — No —
First Choice Financial fcfinancialcu.orgNCUA 21012 · Gloversville, NY 48 No 1
Heritage South myhscu.comNCUA 68586 · Sylacauga, AL 51 No 32
Lincone linconefcu.orgNCUA 10585 · Lincoln, NE 47 Gated 32
Home Bank and Trust Company homebank-trust.comFDIC 4664 · Eureka, Kansas 28 Gated 1
La Salle State Bank elsb.comblockedFDIC 12410 · La Salle, Illinois; not measured: HTTP 403 — No —
Members First m1st.orgNCUA 67658 · Corpus Christi, TX 55 Gated 32
First Security State Bank fssbtexas.comblockedFDIC 11932 · Cranfills Gap, Texas; not measured: HTTP 403 — No —
First Security Bank - Sleepy Eye firstsecuritybanks.comFDIC 5252 · Sleepy Eye, Minnesota 68 No 32
Appalachian Community myacfcu.orgNCUA 24495 · Kingsport, TN 35 No 32
UBank ubank.bankFDIC 1693 · Knoxville, Tennessee 28 Gated 1
The Putnam County National Bank of Carmel pcnb.bizFDIC 6990 · Carmel, New York 56 No 32
The Solomon State Bank no website on recordFDIC 4773 · Solomon, Kansas; no web address reported to the FDIC — No —
Danville State Savings Bank danvillebank.comFDIC 14772 · New London, Iowa 66 No 32
First Federal Bank, A FSB 1stfed.comFDIC 31127 · Tuscaloosa, Alabama 60 No 32
Southwest Louisiana swlacu.comNCUA 62756 · Lake Charles, LA 44 Gated 32
F&M Bank and Trust Company bankfm.comblockedFDIC 30595 · Hannibal, Missouri; not measured: HTTP 403 — No —
First National Bank of Bosque County no website on recordFDIC 5564 · Valley Mills, Texas; no web address reported to the FDIC — No —
Foundation One Bank foundationonebank.comFDIC 18761 · Waterloo, Nebraska 48 No 25
42 North Private Bank 42northprivate.comFDIC 27015 · Canton, Massachusetts 59 No 16
St. Ansgar State Bank stansgarbank.comFDIC 17259 · Saint Ansgar, Iowa 33 Gated 1
Union Savings Bank unionsavingsbank.comFDIC 29121 · Freeport, Illinois 56 No 32
Century centurycu.orgNCUA 60435 · Saint Louis, MO 53 No 32
First National Bank of Nokomis fnbnokomis.comFDIC 15763 · Nokomis, Illinois 59 No 32
Continental Bank cbankus.comblockedFDIC 57571 · Salt Lake City, Utah; not measured: HTTP 403 — No —
Mid Carolina midcarolinacu.comNCUA 60735 · Lugoff, SC 57 No 32
Aspire Community aspire.creditunionNCUA 1888 · Minot, ND 52 Gated 32
Western Sun wsfcu.comNCUA 4202 · Broken Arrow, OK 71 No 32
Ufcw Community ufcwpa.orgNCUA 10973 · Wyoming, PA 42 Gated 32
Peoples State Bank psbtexas.comblockedFDIC 10345 · Shepherd, Texas; not measured: HTTP 403 — No —
Greenville Heritage greenvilleheritage.comNCUA 4400 · Greenville, SC 45 Gated 32
Gateway Bank gatewaybank.bankFDIC 8730 · Rison, Arkansas 57 No 31
LNB Community Bank lnbbanking.comblockedFDIC 4398 · Lynnville, Indiana; not measured: HTTP 403 — No —
Slovenian Savings and Loan Association of Franklin-Conemaugh sloveniansavings.comFDIC 31994 · Conemaugh, Pennsylvania 60 Gated 32
Bank of Hydro bankofhydro.comFDIC 10674 · Hydro, Oklahoma 57 No 7
Battle Bank, National Association battlebank.comblockedFDIC 9336 · Upsala, Minnesota; not measured: HTTP 403 (Cloudflare) — No —
Johnsonville Tva Employees jtvaecu.orgNCUA 60345 · Camden, TN 63 No 29
Town Center Bank towncenterbank.netFDIC 58214 · Frankfort, Illinois 41 Gated 1
The Farmers State Bank fsb-online.comblockedFDIC 13883 · Mcpherson, Kansas; not measured: HTTP 403 — No —
Farmers and Merchants State Bank fmsbonline.comunreachableFDIC 501 · Plankinton, South Dakota — No —
Feliciana Bank & Trust Company felicianabank.comFDIC 1380 · Clinton, Louisiana 44 Gated 32
Greater State Bank greaterstate.bankFDIC 31762 · Mcallen, Texas 57 Gated 30
Rio Grande Valley Credit Union rgvcu.coopNCUA 61734 · Harlingen, TX 61 No 27
State Bank of Whittington statebankofwhittington.comFDIC 19689 · Benton, Illinois 67 No 32
Regional regionalfcu.orgNCUA 15072 · Winfield, IN 50 Gated 32
Americana Community Bank americanafinancial.comblockedFDIC 8205 · Sleepy Eye, Minnesota; not measured: HTTP 403 — No —
Calhoun Liberty calhounlibertycu.comNCUA 67431 · Blountstown, FL 67 No 32
The Farmers State Bank of Aliceville, Kansas fsbaliceville.comFDIC 18120 · Westphalia, Kansas 55 No 14
Trailnorth trailnorth.comNCUA 9219 · Ticonderoga, NY 46 Gated 32
Eagle Bank eaglebankmt.comFDIC 58282 · Polson, Montana 51 No 17
Health Advantage healthadvantagecu.comNCUA 20007 · Saginaw, MI 46 Gated 32
Ulster ulsfedcu.orgNCUA 21694 · Kingston, NY 57 No 32
Compass Community compassccu.orgNCUA 61933 · Eureka, CA 43 Gated 32
Putnam 1st Mercantile Bank 1stmerc.netblockedFDIC 58079 · Cookeville, Tennessee; not measured: HTTP 403 — No —
Diamond Valley diamondvalleyfcu.orgNCUA 14135 · Evansville, IN 59 No 31
Camino caminofcu.orgNCUA 4633 · Montebello, CA 34 Gated 1
North Alabama Bank northalabamabank.comblockedFDIC 27560 · Hazel Green, Alabama; not measured: HTTP 403 — No —
N.E.W. newcu.orgNCUA 67017 · Oconto Falls, WI 63 Gated 32
The State Savings Bank of Manistique statesavingsbank.comblockedFDIC 13249 · Manistique, Michigan; not measured: HTTP 403 — No —
Bank of Clarkson bankofclarkson.comFDIC 13167 · Clarkson, Kentucky 48 Gated 32
United Trust Bank utbhome.comFDIC 35393 · Palos Heights, Illinois 57 No 32
The First National Bank of Le Center fnblecenter.comFDIC 5180 · Lonsdale, Minnesota 46 Gated 30
Ellafi ellafifcu.orgNCUA 854 · Middletown, CT 56 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