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 4,501–4,600 of 8,519 · page 46 of 86

SiteScore GatedPages read Report
South Lafourche Bank & Trust Company slbank.comblockedFDIC 19755 · Larose, Louisiana; not measured: HTTP 403 — No —
Woodland Bank woodland.bankFDIC 8863 · Deer River, Minnesota 57 No 32
Hatch Bank hatchbank.comFDIC 25803 · San Marcos, California 48 Gated 24
Allegius allegius.orgNCUA 17389 · Burns Harbor, IN 52 No 32
Treasury Department tdfcu.orgNCUA 162 · Washington, DC 59 No 32
Cornerstone cornerstonecu.orgNCUA 60189 · Freeport, IL 48 No 1
Bank of the Southwest bankofsw.comFDIC 2247 · Roswell, New Mexico 55 No 29
New Republic Bank newrepublicbank.comFDIC 34860 · Roanoke Rapids, North Carolina 50 No 32
The Bank of Kaukauna bankofkaukauna.comFDIC 15228 · Kaukauna, Wisconsin 69 No 16
Naveo naveo.orgNCUA 68046 · Somerville, MA 59 Gated 32
Hercules First herculescu.comNCUA 24902 · Salt Lake City, UT 48 No 1
Mercer Savings Bank mercersavings.comFDIC 30084 · Celina, Ohio 45 Gated 32
First Financial firstffcu.comNCUA 1021 · Freehold, NJ 63 No 32
All Capital Bank banklg.comFDIC 16795 · Locust Grove, Oklahoma 28 Gated 1
Winnebago Community wincu.orgNCUA 66437 · Oshkosh, WI 60 No 32
Achieve Financial achievefinancialcu.comNCUA 61256 · Berlin, CT 46 No 32
Bank Michigan bankmichigan.bankFDIC 1008 · Brooklyn, Michigan 33 Gated 1
Security Bank of Texas secbank.netblockedFDIC 15731 · Crawford, Texas; not measured: HTTP 403 — No —
First National Bank and Trust Co. of Bottineau firstbottineau.comFDIC 3902 · Bottineau, North Dakota 47 No 32
Community State Bank csbnetbank.comFDIC 1839 · Royal Center, Indiana 56 No 32
Jackson County Bank jacksoncobank.comblockedFDIC 291 · Mc Kee, Kentucky; not measured: HTTP 403 — No —
Police policefcu.comNCUA 16401 · Upper Marlboro, MD 47 No 32
Genesee Valley geneseevalleyfcu.comNCUA 21658 · Geneseo, NY 51 Gated 29
Arize arizefcu.orgNCUA 24187 · State College, PA 36 Gated 32
Associated Healthcare ahcu.orgNCUA 60466 · Woodbury, MN 55 No 32
New Frontier Bank newfb.comFDIC 35597 · Saint Charles, Missouri 33 Gated 1
Code codecu.orgNCUA 66840 · Dayton, OH 56 No 32
Bank of Prairie Village bankofprairievillage.comFDIC 17671 · Prairie Village, Kansas 56 Gated 30
The First State Bank of Shelby fsbshelby.comFDIC 11013 · Shelby, Montana 51 Gated 22
Family Financial ff-cu.orgNCUA 61633 · Norton Shores, MI 44 Gated 32
Brunswick State Bank brunswickstatebank.comFDIC 13692 · Brunswick, Nebraska 42 No 32
Pbk Bank, Inc. pbkbank.comFDIC 9313 · Stanford, Kentucky 43 Gated 19
Libertyone libertyonecu.comNCUA 61604 · Arlington, TX 49 Gated 30
Northwoods northwoodscu.orgNCUA 62847 · Cloquet, MN 72 No 32
California Lithuanian clcu.orgNCUA 64834 · Santa Monica, CA 55 No 24
Farmers & Merchants Bank & Trust fmmarinette.comFDIC 10382 · Marinette, Wisconsin 41 Gated 32
Central State Bank csb123.comFDIC 8487 · Clayton, Illinois 39 Gated 30
Caro smartcaro.orgunreachableNCUA 24404 · Columbia, SC — No —
Cedar Rapids State Bank cedarrapidsstatebank.comFDIC 18820 · Cedar Rapids, Nebraska 48 No 1
San Joaquin Power Employees sjpecu.orgNCUA 66788 · Fresno, CA 33 Gated 1
Farmers State Bank & Trust Co. farmers24.comFDIC 16114 · Church Point, Louisiana 60 No 31
Frick Financial frickfin.orgNCUA 14775 · Uniontown, PA 62 No 32
Vida vidafcu.orgNCUA 14542 · Ontario, CA 70 No 32
Bank of South Texas bankofsouthtexas.comFDIC 26727 · Mcallen, Texas 51 Gated 32
First firstfedcu.comNCUA 24673 · Hiawatha, IA 64 No 32
Iroquois Farmers State Bank iroqbank.comFDIC 11746 · Iroquois, Illinois 45 Gated 7
RiverBank eriverbank.comFDIC 31711 · Pocahontas, Arkansas 49 Gated 32
Rock Valley rockvalleycreditunion.orNCUA 68687 · Loves Park, IL 33 Gated 1
First State Bank fsbpaintrock.comFDIC 17775 · Paint Rock, Texas 28 Gated 1
Mountain Laurel mlfcu.netNCUA 20053 · Saint Marys, PA 57 Gated 31
Valley Isle Community vicfcu.orgNCUA 3574 · Kahului, HI 51 No 32
Excel excelfcu.orgNCUA 7825 · Norcross, GA 63 No 31
The Warrington Bank warringtonbank.comFDIC 17193 · Pensacola, Florida 54 No 1
The First National Bank of Scott City fnbscott.comFDIC 4769 · Scott City, Kansas 53 No 1
Ussco Johnstown usscofcu.orgNCUA 12219 · Johnstown, PA 60 No 32
Waterman Bank watermanbank.comFDIC 10878 · Waterman, Illinois 32 Gated 32
E-Central ecentralcu.orgblockedNCUA 62323 · Pasadena, CA; not measured: HTTP 403 (Cloudflare) — No —
The Community Bank communitybankliberal.comFDIC 34666 · Liberal, Kansas 56 No 32
The Goose River Bank gooseriverbank.comFDIC 10236 · Mayville, North Dakota 65 No 32
Baybank baybank.usFDIC 1092 · Gladstone, Michigan 54 No 20
DeWitt Savings Bank dewittsavingsbank.comblockedFDIC 29535 · Clinton, Illinois; not measured: HTTP 403 — No —
Twin River Bank twinriver.bankFDIC 22993 · Lewiston, Idaho 61 No 32
Aspen aspenfcu.comNCUA 17224 · Rapid City, SD 58 No 32
The First National Bank of Hartford fnbhartford.comFDIC 2804 · Hartford, Alabama 57 No 32
Citizens Bank and Trust of Lebanon, Inc. cbtoflebanon.comFDIC 2753 · Lebanon, Kentucky 44 Gated 8
Wolverine State wolverinescu.comNCUA 62203 · Alpena, MI 55 Gated 32
Artesia artesiacu.orgNCUA 62783 · Artesia, NM 41 Gated 32
Sharon Bank sharonbank.comFDIC 28793 · Springfield, Pennsylvania 55 No 32
Farmers National Bank farmersnationalbankonline.comFDIC 4611 · Phillipsburg, Kansas 48 No 30
Sentry sentrycu.orgNCUA 66439 · Stevens Point, WI 69 No 32
Nuvista nuvista.orgNCUA 16476 · Montrose, CO 58 Gated 32
Atkins Savings Bank & Trust atkinssavingsbank.comFDIC 9096 · Atkins, Iowa 50 Gated 27
Santa Cruz Community scccu.orgNCUA 64029 · Santa Cruz, CA 59 No 32
Heartland heartlandcu.comNCUA 64168 · Inver Grove Hei, MN 53 No 32
First New Mexico Bank, Las Cruces firstnewmexicobanklc.comFDIC 58745 · Las Cruces, New Mexico 61 No 32
Bank of Estes Park bankofestespark.comblockedFDIC 19351 · Estes Park, Colorado; not measured: HTTP 403 — No —
Illini State Bank illinistatebank.comFDIC 10788 · Oglesby, Illinois 51 Gated 32
H.P.C. hpccu.comNCUA 62219 · Alpena, MI 39 Gated 32
The Peoples National Bank of Checotah peoplesok.comFDIC 4059 · Checotah, Oklahoma 55 Gated 26
Mission City missioncityfcu.orgNCUA 13131 · Santa Clara, CA 54 Gated 32
Community community-credit-union.oNCUA 61336 · New Rockford, ND 33 Gated 1
1St Gateway 1stgateway.orgNCUA 63124 · Camanche, IA 61 No 29
Utah Independent Bank uib.bankFDIC 22514 · Salina, Utah 51 Gated 28
Tonawanda Valley tvfcubatavia.comNCUA 22167 · Batavia, NY 49 Gated 30
Farmers and Merchants Bank fmbanksylvania.comFDIC 16440 · Sylvania, Georgia 33 Gated 1
Pinellas pinellasfcu.orgNCUA 10880 · Largo, FL 47 Gated 32
Homefield homefieldcu.comNCUA 68057 · North Grafton, MA 41 Gated 32
Latah latahcu.coopNCUA 97102 · Moscow, ID 44 Gated 32
American Bank of Baxter Springs americanbankbaxter.comFDIC 4624 · Baxter Springs, Kansas 48 No 19
Harborlight harborlightcu.orgNCUA 62066 · Whitehall, MI 44 Gated 32
Millville Savings Bank millvillesavings.comFDIC 30183 · Millville, New Jersey 48 No 1
Templeton Savings Bank templetonsavingsbank.comFDIC 969 · Templeton, Iowa 56 No 23
State Bank of Reeseville statebankofreeseville.comblockedFDIC 14960 · Reeseville, Wisconsin; not measured: HTTP 403 — No —
Valley State Bank valleystate.comFDIC 26021 · Russellville, Alabama 48 Gated 32
Princeton princetonfcu.orgNCUA 21009 · Princeton, NJ 61 No 32
New Bedford nbcu4u.comNCUA 66733 · New Bedford, MA 55 Gated 31
Union State Bank usbgfd.comFDIC 8499 · Greenfield, Iowa 33 Gated 1
Peoples Bank & Trust Company bankwithpeoples.comFDIC 1475 · Manchester, Tennessee 58 No 32
Red River redriverfcu.comNCUA 12082 · Altus, OK 61 No 32
Greater Woodlawn grwfcu.comNCUA 18800 · Blasdell, NY 45 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