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))
License	Works of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105).
How we filtered it	Active 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.
Built	2026-10-11

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

Grade	Sites	Share
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.

Dimension	Mean 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

Test	What it asks	Failing	Of
EXT-12	Do you tell search engines the moment a page changes?	100.0%	7198
EXT-14	Does your site offer its actions to AI browsers as tools?	100.0%	6856
EXT-16	Do you publish a card or a skills list for the agents you run?	100.0%	7198
EXT-17	Do you list your agents in your domain's DNS records?	100.0%	7060

Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more

Test	What it asks	Failing	Of	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

Test	What it asks	Failing	Of	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 4,601–4,700 of 8,519 · page 47 of 86

Site	Score	Gated	Pages read
Equitable Savings and Loan Association equitable-savings.comFDIC 30707 · Sterling, Colorado	57	Gated	30
Hopewell hopewellfcu.orgNCUA 15307 · Heath, OH	53	Gated	32
Commerce Bank commerce-bank.comFDIC 34938 · Corinth, Mississippi	48	No	1
Rivertrust rivertrustfcu.comNCUA 473 · Pearl, MS	52	Gated	27
Riverwind Bank riverwindbank.comFDIC 15035 · Augusta, Arkansas	33	Gated	1
Riegel riegelfcu.orgNCUA 13944 · Milford, NJ	59	No	1
The Brady National Bank bradynational.bankFDIC 3109 · Brady, Texas	50	No	32
Space Age spaceagefcu.coopNCUA 68737 · Aurora, CO	33	Gated	1
The First National Bank of Eagle Lake fnbeaglelake.bankFDIC 3179 · Eagle Lake, Texas	48	No	27
UNB Bank unb.bankFDIC 7631 · Mount Carmel, Pennsylvania	66	No	32
Farmers State Bank of Western Illinois fsbwil.comblockedFDIC 11680 · Alpha, Illinois; not measured: HTTP 403 (CloudFront)	—	No	—
Impact Bank impact-bank.comFDIC 17399 · Wellington, Kansas	69	No	1
Pioneer Valley pvcu.orgNCUA 24443 · Springfield, MA	46	No	32
Heritage Grove ourgrovecu.comNCUA 16113 · Salem, OR	48	No	1
The First National Bank of Quitaque fnbquitaque.comblockedFDIC 3401 · Quitaque, Texas; not measured: HTTP 403	—	No	—
Jarrettsville Federal Savings and Loan Association jarrettsvillefederal.comblockedFDIC 31083 · Jarrettsville, Maryland; not measured: HTTP 403	—	No	—
Security Bank and Trust Company sbtmiami.comFDIC 9881 · Miami, Oklahoma	56	Gated	32
Utah Heritage utahheritagecu.orgNCUA 67076 · Moroni, UT	48	No	1
Carson Community Bank carsoncommunity.bankFDIC 2320 · Stilwell, Oklahoma	55	No	31
Tulare County tularefcu.orgNCUA 3218 · Tulare, CA	58	No	32
Westmoreland Federal Savings and Loan Association wfsavings.comFDIC 30551 · Latrobe, Pennsylvania	44	Gated	26
Buckeye State buckeyecu.orgNCUA 96672 · Akron, OH	51	No	32
Jefferson Parish Employees jpefcu.orgNCUA 13271 · Harahan, LA	47	Gated	32
Bank 1st bank1stia.comFDIC 13816 · West Union, Iowa	68	No	32
Cent centcu.orgNCUA 65238 · Mason City, IA	64	Gated	32
North Central Bank northcentralbank.comFDIC 17241 · Hennepin, Illinois	65	No	32
Inner Lakes innerlakesfcu.orgNCUA 7717 · Westfield, NY	45	No	1
Citizens Savings Bank citizensbankia.comFDIC 10125 · Anamosa, Iowa	37	No	22
Foothills foothills-cu.comNCUA 67181 · Wheat Ridge, CO	51	Gated	32
First National Bank in Ord fnbord.comFDIC 5460 · Ord, Nebraska	48	No	1
First State Bank of Forsyth firststatebankforsyth.comblockedFDIC 8317 · Forsyth, Montana; not measured: HTTP 403 (Cloudflare)	—	No	—
Normangee State Bank normangeestatebank.comFDIC 3368 · Normangee, Texas	44	Gated	32
Movement Bank movementbank.comblockedFDIC 9502 · Danville, Virginia; not measured: HTTP 403	—	No	—
Four Points fourpointsfcu.orgNCUA 24753 · Omaha, NE	64	No	32
Freeport State Bank freeportstatebank.comFDIC 8210 · Freeport, Minnesota	52	Gated	32
Wymar wymarfcu.comNCUA 12330 · Geismar, LA	45	Gated	32
Big Bend Banks, N.A. marfanb.comblockedFDIC 3320 · Marfa, Texas; not measured: HTTP 403	—	No	—
State Bank & Trust Company sbtcajun.comFDIC 17169 · Golden Meadow, Louisiana	45	Gated	29
The Harrison County Bank hcbwv.comblockedFDIC 9030 · Lost Creek, West Virginia; not measured: HTTP 403	—	No	—
Northwestern Bank, National Association nwbanks.comFDIC 9746 · Dilworth, Minnesota	59	No	2
Epic epicfcu.comNCUA 404 · Metairie, LA	44	Gated	32
Beacon Business Bank, National Association beaconbusinessbank.comFDIC 25644 · San Francisco, California	60	No	32
Auburn Banking Company auburnbankingcompany.comFDIC 284 · Auburn, Kentucky	28	Gated	1
Northeast Missouri State Bank northeastmissouristatebank.comFDIC 13381 · Kirksville, Missouri	55	No	32
Bank of Maysville bankofmaysville.comblockedFDIC 9315 · Maysville, Kentucky; not measured: HTTP 403	—	No	—
Community Service cscutx.comNCUA 67974 · Huntsville, TX	59	No	32
Commercial Trust Company of Fayette commercialtrust.bankFDIC 9791 · Fayette, Missouri	52	No	32
Scenic Community mysccu.comNCUA 67747 · Hixson, TN	65	No	32
The Salyersville National Bank salyersvillebank.comFDIC 2723 · Salyersville, Kentucky	44	Gated	1
Best Reward bestrewardfcu.coopNCUA 24920 · Brook Park, OH	59	No	32
The Focus focusok.comNCUA 10283 · Oklahoma City, OK	60	No	32
Southern Chautauqua 665-7000.comNCUA 9107 · Lakewood, NY	64	No	32
The Farmers National Bank of Lebanon farmersnational.bankFDIC 2754 · Lebanon, Kentucky	53	No	29
Torrance Community torranceccu.orgNCUA 12543 · Torrance, CA	53	No	32
Security Bank of Pulaski County sbpc.comblockedFDIC 15347 · Saint Robert, Missouri; not measured: HTTP 403	—	No	—
Fidelity Bank of Texas fbot.comblockedFDIC 21455 · Waco, Texas; not measured: HTTP 403	—	No	—
Lincoln Maine lincolnmainefcu.comunreachableNCUA 17362 · Lincoln, ME	—	No	—
Trupartner trupartnercu.orgNCUA 95802 · Cincinnati, OH	57	No	32
Fd Community fdcommunityfcu.orgNCUA 42 · Waterbury, CT	41	No	32
Georgia Heritage gaheritagefcu.orgunreachableNCUA 3800 · Savannah, GA	—	No	—
Kings kingsfcu.comNCUA 10395 · Hanford, CA	65	No	32
First Bank first-bank.netFDIC 16473 · Sterling, Kansas	55	Gated	32
Naft naftfcu.coopNCUA 10994 · Pharr, TX	58	No	32
Bank of Dade bankofdade.comFDIC 17543 · Trenton, Georgia	59	No	32
First State Bank of Porter porterstatebank.comblockedFDIC 12836 · Porter, Indiana; not measured: HTTP 403	—	No	—
Park State Bank & Trust psbtrust.bankFDIC 19381 · Woodland Park, Colorado	62	No	32
Priorityone Credit Union of Florida priorityonefl.orgblockedNCUA 67444 · Sunrise, FL; not measured: HTTP 403 (Cloudflare)	—	No	—
Family Bank familybank.comFDIC 29357 · Pelham, Georgia	28	Gated	1
Minnesota Power Employees mpecu.comNCUA 60377 · Duluth, MN	57	No	32
First Security Bank fsbbyron.comFDIC 9728 · Byron, Minnesota	58	No	32
Advanz advanzcu.orgNCUA 19853 · Louisville, KY	50	No	32
Alternatives alternatives.orgNCUA 23283 · Ithaca, NY	72	No	32
The Antwerp Exchange Bank Company antwerpexchangebank.comFDIC 14523 · Antwerp, Ohio	48	Gated	16
Prime Financial primefinancialcu.orgNCUA 66449 · Cudahy, WI	60	No	32
First Choice firstchoicecu.orgNCUA 67725 · West Palm Beach, FL	69	No	32
Wayne-Westland wwfcu.orgNCUA 5928 · Westland, MI	63	No	32
Community State Bank communitystatebank.comblockedFDIC 8067 · Brook, Indiana; not measured: HTTP 403	—	No	—
Communities of Abilene coafcu.orgNCUA 10706 · Abilene, TX	56	No	32
Belmont Savings Bank, SSB belmontsavingsbank.comFDIC 28035 · Belmont, North Carolina	54	Gated	15
The Bank of Baker bankofbaker.comFDIC 352 · Baker, Montana	57	No	32
First Neighborhood Bank www,firstneighborhoodbank.comFDIC 6800 · Spencer, West Virginia	33	Gated	1
South Bay southbaycu.comNCUA 95052 · Redondo Beach, CA	59	Gated	32
Edward Jones Trust Company edwardjones.comblockedFDIC 28390 · Saint Louis, Missouri; not measured: HTTP 429 (rate limited) at every rate tried, after 4 attempts	—	No	—
Telco Triad Community telcotriad.orgNCUA 63218 · Sioux City, IA	59	No	32
West Central Georgia Bank wcgb.comblockedFDIC 21526 · Thomaston, Georgia; not measured: HTTP 403	—	No	—
Central Bank centralbanktn.comFDIC 31545 · Savannah, Tennessee	60	No	31
Bank of Greeleyville bog1.comFDIC 15113 · Greeleyville, South Carolina	55	No	32
Bank of Belle Glade bankofbelleglade.comFDIC 18930 · Belle Glade, Florida	66	No	10
First State Bank of Campbell Hill fsbch.comFDIC 10799 · Campbell Hill, Illinois	32	Gated	32
The First State Bank fsbboisecity.comblockedFDIC 2301 · Boise City, Oklahoma; not measured: HTTP 403	—	No	—
Shoreline shorelinecu.orgNCUA 66447 · Two Rivers, WI	65	No	32
Bank of Dawson bankofdawson.comFDIC 876 · Dawson, Georgia	45	No	32
Hello hellocu.comNCUA 63262 · Panama City, FL	59	No	32
Hartford hartfordfcu.comNCUA 14388 · Hartford, CT	58	No	32
Citizens Bank & Trust Company of Vivian, Louisiana cbtofvivian.comFDIC 19744 · Vivian, Louisiana	55	No	1
BFG bfgfcu.orgNCUA 511 · Akron, OH	57	No	32
First Federal Savings and Loan Association of Greensburg ffsg.netblockedFDIC 30058 · Greensburg, Indiana; not measured: HTTP 403 (Cloudflare)	—	No	—
Home Federal Savings and Loan Association of Niles homefedniles.comFDIC 28349 · Niles, Ohio	61	Gated	21
Fannin Bank fanninbank.comFDIC 5589 · Bonham, Texas	33	Gated	1
Liberty State Bank libertystateplnd.comFDIC 17096 · Powers Lake, North Dakota	51	Gated	13

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