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 401–500 of 8,519 · page 5 of 86

SiteScore GatedPages read Report
First National Bank Texas 1stnb.comFDIC 3285 · Killeen, Texas 43 Gated 1
Stanford sfcu.orgblockedNCUA 13392 · Palo Alto, CA; not measured: HTTP 403 (Cloudflare) — No —
Consumers myconsumers.orgNCUA 68588 · Lake Forest, IL 67 No 32
PeoplesBank bankatpeoples.comFDIC 90213 · Holyoke, Massachusetts 61 No 32
Sunward gosunward.orgNCUA 5851 · Albuquerque, NM 64 No 32
VeraBank, National Association verabank.comFDIC 3250 · Henderson, Texas 33 Gated 1
Northwest nwfcu.orgNCUA 5500 · Herndon, VA 58 Gated 32
Jovia Financial jovia.orgblockedNCUA 2760 · Westbury, NY; not measured: HTTP 403 (Cloudflare) — No —
International Bank of Commerce ibc.comFDIC 25679 · Brownsville, Texas 58 Gated 32
Hingham Institution for Savings hinghamsavings.comFDIC 90211 · Hingham, Massachusetts 46 Gated 32
Technology techcu.comNCUA 68383 · San Jose, CA 61 No 32
First State Community Bank fscb.comFDIC 17323 · Farmington, Missouri 64 No 32
Texas Exchange Bank txexbank.comFDIC 20099 · Crowley, Texas 46 No 19
First Federal Bank ffbf.comFDIC 31313 · Lake City, Florida 60 No 32
Oneaz oneazcu.comNCUA 61315 · Phoenix, AZ 33 Gated 1
Metro City Bank metrocitybank.bankFDIC 58181 · Doraville, Georgia 58 No 32
Arrow Bank National Association arrowbank.comFDIC 7074 · Glens Falls, New York 48 No 10
ChoiceOne Bank choiceone.bankFDIC 1014 · Sparta, Michigan 31 Gated 1
Capital City Bank ccbg.comFDIC 9622 · Tallahassee, Florida 65 No 32
HomeTrust Bank htb.comFDIC 27677 · Asheville, North Carolina 62 No 32
United unitedfcu.comNCUA 6288 · St Joseph, MI 57 No 32
Safe safecu.orgNCUA 68366 · Folsom, CA 66 No 1
American Business Bank americanbb.bankFDIC 34788 · Los Angeles, California 55 No 7
Michigan Schools and Government msgcu.orgNCUA 62049 · Clinton Townshi, MI 54 Gated 32
First Business Bank firstbusiness.bankFDIC 15229 · Madison, Wisconsin 64 No 32
Sunwest Bank sunwestbank.comblockedFDIC 20164 · Sandy, Utah; not measured: HTTP 403 (Cloudflare) — No —
Affinity affinityfcu.comNCUA 857 · Basking Ridge, NJ 63 No 32
Credit Human credithuman.comNCUA 24382 · San Antonio, TX 50 No 32
Texas Bank and Trust Company texasbankandtrust.comFDIC 17842 · Longview, Texas 59 No 32
Empower empowerfcu.comNCUA 3025 · Syracuse, NY 65 No 32
Primis Bank primisbank.comFDIC 57968 · Tappahannock, Virginia 57 No 32
Rogue roguecu.orgNCUA 68660 · Medford, OR 53 No 32
Goldenwest gwcu.orgNCUA 24693 · Ogden, UT 52 No 32
National Cooperative Bank, N.a. ncb.coopFDIC 32612 · Hillsboro, Ohio 64 No 31
Numerica numericacu.comNCUA 66841 · Spokane Valley, WA 66 No 32
State Bank of India no website on recordFDIC 33664 · Chicago, Illinois; no web address reported to the FDIC — No —
Civista Bank civista.bankFDIC 12982 · Sandusky, Ohio 50 Gated 32
Navigant navigantcu.orgNCUA 62882 · Smithfield, RI 49 Gated 32
The First Bank and Trust Company firstbank.comFDIC 22918 · Lebanon, Virginia 49 No 32
University ufcu.orgNCUA 1367 · Austin, TX 57 No 32
Royal Business Bank royalbusinessbankusa.comFDIC 58816 · Los Angeles, California 69 No 32
Inwood National Bank inwoodbank.comblockedFDIC 19080 · Dallas, Texas; not measured: HTTP 403 — No —
Peak peakcu.orgNCUA 68271 · Olympia, WA 62 No 32
The Bank of Missouri bankofmissouri.comblockedFDIC 1617 · Perryville, Missouri; not measured: HTTP 403 (Cloudflare) — No —
Georgia's Own georgiasown.orgNCUA 67390 · Atlanta, GA 62 Gated 32
General Electric gecreditunion.orgblockedNCUA 68574 · Cincinnati, OH; not measured: HTTP 403 (Cloudflare) — No —
Covantage covantagecu.orgNCUA 66848 · Antigo, WI 26 Gated 1
Bessemer Trust Company, National Association bessemertrust.comFDIC 21868 · New York, New York 62 No 32
Meritrust pmcu.orgNCUA 62574 · Broomfield, CO 61 No 1
Connexus connexuscu.orgNCUA 66538 · Wausau, WI 52 Gated 32
United Community Bank ucbbank.comFDIC 19459 · Chatham, Illinois 50 No 32
Woori America Bank wooriamericabank.comFDIC 24920 · New York, New York 47 Gated 32
First Bank myfirstbank.comFDIC 58481 · Hamilton, New Jersey 64 No 32
Valley Strong valleystrong.comblockedNCUA 68712 · Bakersfield, CA; not measured: HTTP 403 — No —
Advia adviacu.orgNCUA 61503 · Kalamazoo, MI 51 No 10
Utah Community uccu.comblockedNCUA 10709 · Provo, UT; not measured: HTTP 403 (Cloudflare) — No —
Campus USA campuscu.comNCUA 68391 · Gainesville, FL 48 No 1
Gate City Bank gatecity.bankFDIC 27774 · Fargo, North Dakota 56 Gated 32
Spencer Savings Bank, SLA spencersavings.comFDIC 30076 · Elmwood Park, New Jersey 48 No 1
West Bank westbankstrong.comFDIC 15614 · West Des Moines, Iowa 47 Gated 32
California Bank of Commerce, National Association californiabankofcommerce.comFDIC 57044 · San Diego, California 46 Gated 32
Union Savings Bank unionsavingsbank.comFDIC 32296 · Cincinnati, Ohio 56 No 32
River Bank & Trust riverbankandtrust.comFDIC 58255 · Prattville, Alabama 52 No 32
Central Bank & Trust Co. centralbank.comFDIC 15815 · Lexington, Kentucky 33 Gated 1
Credit Union of Southern Ca, A cusocal.orgNCUA 24983 · Anaheim, CA 67 No 32
Educators ecu.comNCUA 66448 · Racine, WI 58 Gated 32
Vallant Bank vallant.bankFDIC 14065 · Elberton, Georgia 50 Gated 32
RCB Bank rcbbank.bankFDIC 15399 · Claremore, Oklahoma 60 No 32
Commercial Bank of California cbcal.comFDIC 57417 · Irvine, California 55 Gated 31
Nuvision nuvisionfederal.orgNCUA 566 · Huntington Beac, CA 45 No 2
Arizona Financial azfcu.orgNCUA 68730 · Phoenix, AZ 34 Gated 1
Sumitomo Mitsui Trust Bank (U.S.A.) Limited no website on recordFDIC 27054 · Hoboken, New Jersey; no web address reported to the FDIC — No —
Grow Financial growfinancial.orgNCUA 9976 · Tampa, FL 60 No 32
First Guaranty Bank fgb.netFDIC 14028 · Hammond, Louisiana 52 No 32
Carrollton Bank carrolltonbanking.comFDIC 12383 · Carrollton, Illinois 61 No 32
Security Bank of Kansas City securitybankkc.comFDIC 4705 · Kansas City, Kansas 59 No 32
Gulf Coast Bank and Trust Company gulfbank.comFDIC 32974 · New Orleans, Louisiana 57 No 32
Bank of Marin bankofmarin.comFDIC 32779 · Novato, California 47 No 13
Investar Bank, National Association investarbank.comFDIC 58316 · Baton Rouge, Louisiana 49 Gated 32
Capital Bank, National Association capitalbankmd.comFDIC 35278 · Rockville, Maryland 62 No 32
Rockland rfcu.comblockedNCUA 24224 · Rockland, MA; not measured: HTTP 403 (Cloudflare) — No —
Independence Bank of Kentucky 1776bank.comblockedFDIC 8136 · Owensboro, Kentucky; not measured: HTTP 403 — No —
Bravera Bank bravera.bankFDIC 22559 · Dickinson, North Dakota 59 No 32
Addition Financial additionfi.comNCUA 68702 · Lake Mary, FL 55 No 32
Bank of Utah bankofutah.comFDIC 17159 · Ogden, Utah 37 Gated 32
All In allincu.comNCUA 17642 · Daleville, AL 60 No 32
Bank of the Sierra bankofthesierra.comFDIC 22597 · Porterville, California 63 No 32
Oregon Community myoccu.orgNCUA 65856 · Eugene, OR 57 No 32
Encore Bank bankencore.comunreachableFDIC 34562 · Little Rock, Arkansas — No —
D. L. Evans Bank dlevans.comFDIC 11666 · Burley, Idaho 45 Gated 32
Macatawa Bank, National Association macatawabank.comblockedFDIC 34618 · Holland, Michigan; not measured: HTTP 406 — No —
St. Charles Bank & Trust Company, National Association bankstcharles.comblockedFDIC 27052 · Saint Charles, Illinois; not measured: HTTP 406 — No —
Cornerstone Capital Bank, SSB cornerstonecapital.comFDIC 1213 · Houston, Texas 54 Gated 32
The Bank of East Asia Ltd. no website on recordFDIC 33646 · New York, New York; no web address reported to the FDIC — No —
Frandsen Bank & Trust frandsenbank.comFDIC 1399 · Lonsdale, Minnesota 54 No 32
Parkway Bank and Trust Company parkwaybank.comFDIC 19008 · Harwood Heights, Illinois 57 No 32
First PREMIER Bank firstpremier.comFDIC 6085 · Sioux Falls, South Dakota 71 No 32
Trumark Financial trumarkonline.orgNCUA 66158 · Fort Washington, PA 48 No 1
First Community Bank firstcommunity.netFDIC 34533 · Batesville, Arkansas 33 Gated 1
Village Bank and Trust, National Association bankatvillage.comblockedFDIC 34011 · Arlington Heights, Illinois; not measured: HTTP 406 — No —

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