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 4,701–4,800 of 8,519 · page 48 of 86

SiteScore GatedPages read Report
Bank of Monticello bankofmonticello.comFDIC 12232 · Monticello, Missouri 66 No 1
Farmers Bank & Trust farmersbank-trust.comFDIC 4621 · Atwood, Kansas 67 No 32
Brickyard Bank brickyardbank.netFDIC 22811 · Lincolnwood, Illinois 31 Gated 12
First Community Bank fcbmilton.comblockedFDIC 11225 · Milton, Wisconsin; not measured: HTTP 403 — No —
Citizens' Bank, Inc. citizensbankal.comblockedFDIC 23523 · Robertsdale, Alabama; not measured: HTTP 403 (CloudFront) — No —
GreenLeaf Bank greenleaf.bankFDIC 12661 · Greenleaf, Wisconsin 57 No 32
The First National Bank of Arenzville fnbarenzville.comFDIC 3599 · Arenzville, Illinois 64 No 32
Harbor Pointe hpcu.usNCUA 60207 · Duluth, MN 59 No 31
The Exchange Bank exb-ok.comFDIC 10672 · Skiatook, Oklahoma 28 Gated 1
First Southeast Bank firstsoutheastbank.comFDIC 10576 · Harmony, Minnesota 67 No 31
The First National Bank of Winnsboro fnbwinnsboro.comFDIC 5590 · Winnsboro, Texas 56 No 32
Perennial Bank perennialbank.comFDIC 1413 · Darwin, Minnesota 61 No 32
Chocolate Bayou Community chocolatebayou.orgblockedNCUA 15143 · Alvin, TX; not measured: HTTP 403 — No —
The Fayette County National Bank of Fayetteville fcnbonline.bankblockedFDIC 6762 · Fayetteville, West Virginia; not measured: HTTP 403 — No —
Bank of Monticello bankofmonticelloga.comblockedFDIC 2145 · Monticello, Georgia; not measured: HTTP 403 — No —
Legends West Bank legendswest.bankFDIC 5425 · Lewellen, Nebraska 40 No 21
Commonwealth Community Bank, Inc. cwcbankhb.comblockedFDIC 8126 · Hartford, Kentucky; not measured: HTTP 403 — No —
44 North 44northcu.orgNCUA 68739 · Lebanon, OR 59 Gated 32
Peoples Savings and Loan Company psalc.comFDIC 29813 · Bucyrus, Ohio 54 Gated 32
Freedom Bank freedombankmt.comFDIC 58010 · Columbia Falls, Montana 48 Gated 32
Boone Bank & Trust Co. boonebankiowa.comFDIC 33552 · Boone, Iowa 59 No 32
Hiawatha Bank and Trust Company hiawathabank.comFDIC 34488 · Hiawatha, Iowa 44 Gated 32
First National Bank, Cortez fnbcortez.comblockedFDIC 17872 · Cortez, Colorado; not measured: HTTP 403 — No —
Wave wavefcu.orgNCUA 24501 · Warwick, RI 42 No 32
Philo Exchange Bank philobank.comFDIC 5722 · Philo, Illinois 56 No 32
Ohio Educational ohecu.comNCUA 95107 · Cleveland, OH 46 Gated 32
Nova Ua novafcu.comNCUA 13439 · Clifton, NJ 70 No 32
Oakwood Bank oakwoodbank.netFDIC 13030 · Pigeon Falls, Wisconsin 57 No 17
Farmers State Bank farmersstate-online.netFDIC 19720 · Dublin, Georgia 60 No 31
Kerr County kerrcountyfcu.comNCUA 1558 · Kerrville, TX 52 No 32
4U 4ucu.orgNCUA 11067 · Gainesville, TX 54 Gated 32
Power powercu.orgNCUA 64037 · Pueblo, CO 55 No 32
Bank of Winnfield & Trust Company bankofwinnfield.comblockedFDIC 9323 · Winnfield, Louisiana; not measured: HTTP 403 (CloudFront) — No —
Trailhead trailheadcu.orgNCUA 644 · Portland, OR 57 No 32
Ironworkers USA ironworkersfcu.orgNCUA 13649 · Portland, OR 28 Gated 1
Federation Bank federationbankia.comblockedFDIC 14352 · Washington, Iowa; not measured: HTTP 403 (CloudFront) — No —
The First National Bank of Tom Bean fnbtb.comblockedFDIC 5557 · Tom Bean, Texas; not measured: HTTP 403 — No —
Icon Business Bank iconbusinessbank.comFDIC 59314 · Riverside, California 56 No 32
Green Country greencountryfcu.comNCUA 24613 · Sand Springs, OK 57 Gated 32
Citizens Bank & Trust Company ctznsbank.comFDIC 1972 · Big Timber, Montana 46 Gated 27
Audubon State Bank audubonstatebank.comFDIC 5814 · Audubon, Iowa 61 No 32
Del Norte Bank truelocalbank.comFDIC 29066 · Del Norte, Colorado 37 Gated 32
PNB Community Bank pnbcommunity.bankFDIC 26687 · Niceville, Florida 28 Gated 1
Ukrainian National ukrnatfcu.orgNCUA 17107 · New York, NY 33 Gated 1
Graham Savings and Loan, SSB grahamsl.comFDIC 29206 · Graham, Texas 50 Gated 28
Security Bank of the Ozarks sbozarks.comFDIC 18033 · Eminence, Missouri 28 Gated 1
Lakeview lakeviewfcu.comNCUA 14584 · Ashtabula, OH 49 No 14
Canton Co-operative Bank cantoncoopbank.comFDIC 26450 · Canton, Massachusetts 67 No 32
Fowler State Bank fowlerstate.bankFDIC 12372 · Fowler, Colorado 58 Gated 21
Prime Security Bank primesecurity.comFDIC 10971 · Karlstad, Minnesota 51 No 15
The Bank of Protection bankofprotection.comFDIC 23099 · Protection, Kansas 59 No 19
Spratt Savings Bank sprattsavingsbank.comblockedFDIC 30987 · Chester, South Carolina; not measured: HTTP 403 — No —
First Family firstfamilyfcu.comNCUA 11057 · Henryetta, OK 56 No 32
Affinity affinitycuia.orgNCUA 62829 · Des Moines, IA 49 Gated 32
Best Financial bestfinancialcu.orgNCUA 62027 · Muskegon, MI 51 Gated 32
State Bank of Fairmont sbof.comFDIC 8541 · Fairmont, Minnesota 64 No 12
Waldo State Bank waldostate.bankFDIC 8700 · Waldo, Wisconsin 33 Gated 1
Heartland State Bank hsbsd.comFDIC 9007 · Redfield, South Dakota 48 Gated 1
Arapahoe arapahoecu.orgNCUA 64110 · Littleton, CO 46 No 1
ARC arcfcu.orgunreachableNCUA 11304 · Altoona, PA — No —
The Citizens National Bank of Woodsfield cnbwoodsfield.comFDIC 6732 · Woodsfield, Ohio 45 Gated 23
Natco natcocu.orgNCUA 65208 · Richmond, IN 53 No 32
Nationwide Trust Company, FSB nationwide.comFDIC 34710 · Columbus, Ohio 49 Gated 32
R G rgfcu.comNCUA 11962 · Raymore, MO 53 No 32
First National Bank of Fort Stockton fnbfst.comblockedFDIC 17913 · Fort Stockton, Texas; not measured: HTTP 403 — No —
Priority Bank prioritybank.comFDIC 33818 · Fayetteville, Arkansas 64 No 32
Bay Port State Bank bayportstatebank.comFDIC 15585 · Bay Port, Michigan 32 Gated 32
American Heritage Bank ahbnm.comblockedFDIC 57025 · Clovis, New Mexico; not measured: HTTP 403 — No —
Citizens State Bank, of Arlington csbarlington.comFDIC 1118 · Arlington, South Dakota 67 No 26
Lake Region Bank lakeregion.comblockedFDIC 10965 · New London, Minnesota; not measured: HTTP 403 (Cloudflare) — No —
Eastbank, National Association eastbank-na.comFDIC 25749 · New York, New York 50 No 8
Star USA star.coopNCUA 911 · Charleston, WV 33 Gated 1
Mountaincrest mountaincrestcu.comNCUA 68253 · Arlington, WA 59 No 32
Bluff View Bank bluffviewbank.comFDIC 8693 · Galesville, Wisconsin 49 Gated 32
Grove City Area gcafcu.orgNCUA 6722 · Grove City, PA 49 Gated 32
Go Energy Financial goenergycu.comNCUA 68698 · Tucker, GA 47 Gated 32
Bank of Whittier, National Association whittierbank.comFDIC 24211 · Whittier, California 28 Gated 1
San Diego Firefighters sdffcu.orgNCUA 24110 · San Diego, CA 40 Gated 32
Oswego County oswegofcu.orgNCUA 21927 · Oswego, NY 56 No 32
Horizon horizonfcu.orgNCUA 10687 · Williamsport, PA 65 No 32
Guaranty Bank Inc. guarantybank.usblockedFDIC 22273 · Williamson, West Virginia; not measured: HTTP 403 — No —
Trius triusfcu.comNCUA 17999 · Kearney, NE 50 Gated 32
Colfax Banking Company colfaxbanking.comFDIC 8140 · Colfax, Louisiana 59 No 1
WSB Municipal Bank watertownsavingsbank.comFDIC 7274 · Watertown, New York 63 No 32
Citymark citymark.orgNCUA 14074 · Plains, PA 53 Gated 32
Farmers and Merchants Bank of Ashland fmnb.comunreachableFDIC 5377 · Ashland, Nebraska — No —
Green Mountain greenmountaincu.comNCUA 63859 · South Burlingto, VT 59 Gated 32
Security State Bank of Hibbing ssbhibbing.comFDIC 10175 · Hibbing, Minnesota 28 Gated 1
Fidelis Catholic fideliscu.orgNCUA 9810 · Arvada, CO 45 No 1
Agility Bank, National Association agility.bankFDIC 59239 · Houston, Texas 63 No 32
Core corecu.orgNCUA 67371 · Statesboro, GA 59 No 32
1st Federal Savings Bank of SC, Inc. 1stfederalofsc.comFDIC 31410 · Walterboro, South Carolina 44 No 29
Financial Builders financialbuilders.orgNCUA 16213 · Kokomo, IN 61 No 32
Independent Correspondent Bankers' Bank, Inc. icbb.bankFDIC 27219 · Frankfort, Kentucky 67 No 32
Medina County medfed.comNCUA 13794 · Wadsworth, OH 45 No 1
Schuyler Savings Bank schuylersavings.comFDIC 30072 · Kearny, New Jersey 54 No 23
GSL Savings Bank gslsavingsbank.comFDIC 28708 · Guttenberg, New Jersey 63 Gated 32
Greenfield Banking Company greenfieldbank.comFDIC 15255 · Greenfield, Tennessee 53 No 1
Jm Associates jmafcu.orgNCUA 23709 · Jacksonville, FL 48 No 1
First Security Bank fsb1.comFDIC 3698 · Mackinaw, Illinois 47 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