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 4,801–4,900 of 8,519 · page 49 of 86

SiteScore GatedPages read Report
Citizens Savings Bank bankingwithcsb.comFDIC 12128 · Spillville, Iowa 59 No 32
Grand Missouri Bank grandmissouri.bankFDIC 11003 · Bolivar, Missouri 47 No 1
Bank of Hartington bankofhartington.comFDIC 13962 · Hartington, Nebraska 60 No 32
First State Bank fsbshallowater.comFDIC 18301 · Shallowater, Texas 42 Gated 32
Increase Bank twincitybank.comFDIC 35261 · Longview, Washington 44 Gated 28
Moultrie Bank & Trust mbtga.comFDIC 59285 · Moultrie, Georgia 57 No 32
Farmers State Bank fsbiowa.comFDIC 8760 · Algona, Iowa 55 No 32
Great Plains Bank greatplainsbank.comFDIC 505 · Eureka, South Dakota 28 Gated 1
State Bank of Table Rock tablerockbank.comFDIC 9822 · Table Rock, Nebraska 33 Gated 1
The First National Bank of Litchfield fnbl.comFDIC 3807 · Litchfield, Illinois 70 No 1
Sweet Water State Bank sweetwaterstbk.comFDIC 9615 · Sweet Water, Alabama 55 No 32
Heritage Bank of Schaumburg hbschaumburg.comFDIC 21721 · Schaumburg, Illinois 57 No 32
The Sacramento Deposit Bank sdbweb.comblockedFDIC 8762 · Sacramento, Kentucky; not measured: HTTP 403 — No —
Act 1St act1stfcu.orgNCUA 6679 · Lavale, MD 67 No 32
Consumers Professional cpcu.coNCUA 60947 · Lansing, MI 51 Gated 32
Great Erie greateriefcu.comNCUA 7925 · Orchard Park, NY 58 Gated 32
Iron Mountain Kingsford Community pcbranch.comNCUA 5660 · Kingsford, MI 67 No 31
Town of Hempstead Employees tohefcu.orgblockedNCUA 15539 · North Baldwin, NY; not measured: HTTP 403 (Cloudflare) — No —
North Star Community nsccu.orgNCUA 62638 · Cherokee, IA 48 Gated 32
Franklin-Somerset f-sfcu.comNCUA 15159 · Madison, ME 28 Gated 1
The Pineries Bank pineries.comFDIC 9526 · Stevens Point, Wisconsin 61 No 12
Community First cffcu.bizNCUA 24199 · Lakeview, MI 44 Gated 32
Carmine State Bank carminestatebank.comFDIC 19278 · Carmine, Texas 48 No 16
Hyden Citizens Bank hydencitizensbank.comFDIC 281 · Hyden, Kentucky 60 No 30
Upstate upstatefcu.orgNCUA 24484 · Anderson, SC 57 No 29
Peoples Bank of Wyaconda, Missouri pbwbank.comFDIC 15415 · Kahoka, Missouri 51 Gated 19
The District districtcreditunion.comNCUA 14369 · Aurora, CO 37 Gated 32
Miami Savings Bank miamisavings.bankFDIC 32293 · Miamitown, Ohio 55 Gated 32
Readlyn Savings Bank readlynsavingsbank.comFDIC 9300 · Readlyn, Iowa 55 No 20
The Farmers Bank farmbk.comFDIC 5709 · Greensboro, Georgia 52 No 14
Du Quoin State Bank duquoinstatebank.comFDIC 10804 · Du Quoin, Illinois 44 No 22
Farmers Trust & Savings Bank ftnsbank.netFDIC 8510 · Earling, Iowa 48 No 1
Hawaii County Employees hawaiicountyfcu.comNCUA 1784 · Hilo, HI 48 Gated 30
Cheney cheneyfcu.comNCUA 7101 · Cheney, WA 47 Gated 32
River City rcityfcu.orgNCUA 926 · San Antonio, TX 33 Gated 1
Bank19 firstmemphis.comFDIC 3335 · Memphis, Texas 45 Gated 7
Peoples Bank Co. peoplesbankco.comFDIC 12226 · Altenburg, Missouri 33 Gated 1
First Independent Bank fibaurora.comblockedFDIC 18380 · Aurora, Missouri; not measured: HTTP 403 — No —
Mason Bank masonbank.comblockedFDIC 3327 · Mason, Texas; not measured: HTTP 403 (CloudFront) — No —
First State Bank of Roscoe no website on recordFDIC 9005 · Roscoe, South Dakota; no web address reported to the FDIC — No —
First New Mexico Bank of Silver City fnmbsc.comFDIC 24865 · Silver City, New Mexico 62 No 16
Syracuse Fire Department Employees syrfirecu.comNCUA 6627 · Syracuse, NY 51 No 32
Financialedge finedgecu.orgNCUA 61619 · Bay City, MI 52 Gated 32
Xplore xplorefcu.comNCUA 23017 · Metairie, LA 66 No 32
Bank of Pensacola bankpensacola.comFDIC 21284 · Pensacola, Florida 33 Gated 1
Bank of Salem thebankofsalem.bankFDIC 14349 · Salem, Missouri 28 Gated 1
Metrowest Community mwcfcu.comNCUA 4731 · Framingham, MA 58 No 1
Johnson City Bank j-cbank.comblockedFDIC 16176 · Johnson City, Texas; not measured: HTTP 403 — No —
Security Bank of Southwest Missouri sbswmo.comFDIC 26520 · Cassville, Missouri 53 No 1
East County Schools eastcountyschools.orgNCUA 11099 · El Cajon, CA 62 No 32
Emporia State esfcu.comNCUA 2227 · Emporia, KS 44 No 32
Millbury National Bank mnbonline.comFDIC 2616 · Millbury, Massachusetts 59 No 32
Independent Farmers Bank farmbank.netFDIC 11462 · Maysville, Missouri 46 Gated 1
Tru Fi truficu.orgNCUA 68691 · Macclenny, FL 59 No 32
Warren Bank and Trust Company warrenbanktrust.comFDIC 81 · Warren, Arkansas 61 No 32
Maui mauifcu.comNCUA 2562 · Kahului, HI 51 No 32
Bank of Cashton bankofcashton.bankFDIC 12325 · Cashton, Wisconsin 55 No 32
The First State Bank of Rosemount fsbrosemount.comFDIC 9769 · Rosemount, Minnesota 63 No 32
The Merchants & Citizens Bank merchantsandcitizensbank.comFDIC 183 · Mcrae, Georgia 60 No 15
Exchange State Bank esb1.comFDIC 10132 · Ames, Iowa 60 No 32
Education First Credit Union, Inc. educu.orgNCUA 68447 · Columbus, OH 64 No 32
Jonesburg State Bank jonesburgstatebank.comFDIC 8896 · Jonesburg, Missouri 46 Gated 32
Union Federal Savings and Loan Association myunionfederal.comFDIC 27767 · Kewanee, Illinois 58 No 18
Vermilion Bank & Trust Company vermilionbank.comblockedFDIC 17841 · Kaplan, Louisiana; not measured: HTTP 403 — No —
Central Maine centralmainecu.comNCUA 6936 · Lewiston, ME 62 No 32
Security Bank Minnesota securitybankmn.comFDIC 10984 · Albert Lea, Minnesota 28 Gated 1
Lenco lenco.orgNCUA 60991 · Adrian, MI 37 Gated 32
Alton Bank altonbankmo.comFDIC 8276 · Alton, Missouri 52 No 32
The Peoples Bank tpbtaylorsville.comblockedFDIC 1566 · Taylorsville, Kentucky; not measured: HTTP 403 — No —
Centuryfirst centuryfirstfcu.comNCUA 24668 · Hattiesburg, MS 45 Gated 32
Kimberly Clark kimberlyclarkcu.orgNCUA 60928 · Memphis, TN 51 Gated 32
Bank of Moundville bankofmoundville.comFDIC 9057 · Moundville, Alabama 68 No 18
The American National Bank of Mount Pleasant anbmp.comFDIC 22942 · Mount Pleasant, Texas 56 No 32
Bank Plus bankplusiowa.comFDIC 16547 · Estherville, Iowa 62 No 32
Monroe Federal Savings and Loan Association monroefederal.comFDIC 29578 · Tipp City, Ohio 65 Gated 32
Siskiyou siskiyoucu.orgNCUA 61682 · Yreka, CA 62 No 32
Florida West Coast fwccu.comNCUA 67337 · Brandon, FL 49 Gated 32
Arcadia arcadiacu.comNCUA 66532 · Arcadia, WI 64 No 32
Meridia Community meridiacu.comNCUA 10684 · Hamburg, NY 54 No 32
Arkansas Best abfcu.orgNCUA 13737 · Fort Smith, AR 47 Gated 32
Celco Community celcofcu.orgNCUA 11254 · Narrows, VA 49 Gated 30
Buffalo Metropolitan bflometrocu.orgNCUA 2209 · Buffalo, NY 55 No 1
Community Bank of El Dorado Springs communitybankeldo.comblockedFDIC 23551 · El Dorado Springs, Missouri; not measured: HTTP 403 — No —
Members Exchange mecuanywhere.comNCUA 24952 · Jackson, MS 38 Gated 32
The First National Bank in Cimarron fnbcimarron.comFDIC 4638 · Cimarron, Kansas 58 Gated 32
Bank of Crocker bankofcrocker.comFDIC 1937 · Waynesville, Missouri 55 No 13
National Bank of St. Anne natbankil.comFDIC 16752 · St. Anne, Illinois 28 Gated 1
Heart of Louisiana heartcu.orgNCUA 10164 · Pineville, LA 52 Gated 32
Leading Edge leadingedgecu.orgNCUA 66867 · Worthington, MN 51 No 32
River Falls State Bank rfstatebankonline2.comFDIC 16840 · River Falls, Wisconsin 53 No 21
Farmers and Merchants State Bank fmbanklangdon.comblockedFDIC 21728 · Langdon, North Dakota; not measured: HTTP 403 — No —
Quantum theq.orgNCUA 67187 · Wichita, KS 59 No 32
North Alabama Educators naecu.orgNCUA 60500 · Huntsville, AL 53 Gated 26
Bank of Cadiz and Trust Company bankofcadiz.comblockedFDIC 20239 · Cadiz, Kentucky; not measured: HTTP 403 — No —
Bank of Winona bankofwinona.comFDIC 12207 · Winona, Mississippi 59 No 32
Citizens Community Bank ccb-online.netFDIC 12694 · Pilot Grove, Missouri 42 Gated 21
Ozark ozarkfcu.comNCUA 7641 · Poplar Bluff, MO 33 Gated 32
The Settlers Bank settlers.bankblockedFDIC 35060 · Marietta, Ohio; not measured: HTTP 403 — No —
Market USA marketusafcu.comNCUA 9003 · Laurel, MD 41 No 32
R T P rtpfcu.orgNCUA 18550 · Rtp, NC 56 No 1

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