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 4,901–5,000 of 8,519 · page 50 of 86

SiteScore GatedPages read Report
Four States Bank 4sb.comFDIC 59352 · Carthage, Missouri 56 No 32
Marion State Bank marionstatebanktx.comblockedFDIC 15355 · Marion, Texas; not measured: HTTP 403 — No —
Wcla loggerscu.comNCUA 68328 · Olympia, WA 48 No 1
Kraftman kraftmanfcu.comNCUA 8530 · Bastrop, LA 49 Gated 17
Trust trustfcu.comNCUA 24629 · Chattanooga, TN 56 No 32
Community Powered cpwrfcu.orgNCUA 15185 · Bear, DE 53 No 32
Bank of Dixon County bankofdc.comFDIC 14912 · Ponca, Nebraska 48 No 32
First State Bank fsbbelmond.comFDIC 5791 · Belmond, Iowa 59 No 32
West Virginia wvfcu.orgNCUA 17057 · South Charlesto, WV 63 Gated 32
The Chesapeake Bank & Trust Co. chesapeaketrust.comFDIC 26847 · Chestertown, Maryland 28 Gated 1
Grasslands grasslandscu.comNCUA 11030 · Circle, MT 58 Gated 30
Pacific Horizon pacifichorizoncu.comNCUA 67147 · Springville, UT 48 No 1
Deutsche Bank Trust Company Delaware db.comFDIC 26392 · Newark, Delaware 63 No 32
United Business & Industry ubifcu.comNCUA 7244 · Plainville, CT 49 Gated 32
Citizens State Bank Norwood Young America citizensstatebanknya.comFDIC 1933 · Norwood Young America, Minnesota 45 No 1
Tendto tendtocu.comNCUA 24965 · Erie, PA 36 Gated 32
Methuen Co-operative Bank methuencoop.comFDIC 26512 · Methuen, Massachusetts 51 Gated 19
Hershey Bank hersheybank.comblockedFDIC 19809 · Hershey, Nebraska; not measured: HTTP 403 — No —
Bridge Community Bank bridge.bankFDIC 12717 · Mount Vernon, Iowa 44 No 32
Valley Premier Bank valleypremierbank.comFDIC 11409 · Hawley, Minnesota 68 No 19
Northwoods Bank of Minnesota northwoodsbank.comblockedFDIC 1415 · Park Rapids, Minnesota; not measured: HTTP 403 (Cloudflare) — No —
Spur Security Bank spur.bankFDIC 15460 · Spur, Texas 63 No 32
Bank of Buffalo thebankofbuffalo.comFDIC 2733 · Buffalo, Kentucky 50 No 32
Upper Cumberland ucfcu.orgNCUA 832 · Crossville, TN 60 No 31
First Farmers & Merchants National Bank ffmbank.comFDIC 33131 · Fairmont, Minnesota 56 No 32
Farmers Savings Bank fsb-iowa.comFDIC 18394 · Marshalltown, Iowa 48 No 1
Clinchfield clinchfieldcu.comNCUA 5549 · Erwin, TN 64 No 29
Central Missouri Community mycmccu.orgNCUA 60383 · Warrensburg, MO 62 No 31
Baptist Health South Florida baptisthealthfcu.orgNCUA 14391 · Miami, FL 45 No 32
Federated Bank federatedbank.comblockedFDIC 10464 · Onarga, Illinois; not measured: HTTP 403 — No —
Ukrainian Selfreliance Michigan usmfcu.orgNCUA 8000 · Warren, MI 52 Gated 32
Commercial Bank of Mott cbmott.comFDIC 15741 · Mott, North Dakota 45 No 1
Peoples State Bank psbrocksprings.comFDIC 15939 · Rocksprings, Texas 54 Gated 11
Kansas State University kstatecu.comNCUA 5257 · Manhattan, KS 58 No 32
Evergreen National Bank enbcolorado.comblockedFDIC 23404 · Evergreen, Colorado; not measured: HTTP 403 — No —
Pacific Cascade wesaveyou.comblockedNCUA 14545 · Eugene, OR; not measured: HTTP 403 — No —
Indiana State University isucreditunion.comNCUA 13616 · Terre Haute, IN 48 No 1
First State Bank of Brownsboro fsbbrownsboro.comblockedFDIC 11181 · Brownsboro, Texas; not measured: HTTP 403 — No —
Farmers and Merchants State Bank of Springfield fmb-ebank.comFDIC 13382 · Springfield, Minnesota 46 No 1
Aurora auroracu.comNCUA 18574 · Aurora, CO 48 No 1
The Farmers Bank farmersbankok.comFDIC 4054 · Carnegie, Oklahoma 49 Gated 32
K V kvfcu.orgNCUA 15328 · Augusta, ME 64 No 32
First State Bank fsbanadarko.bankFDIC 12283 · Anadarko, Oklahoma 59 No 32
Community Bankers' Bank cbbonline.comFDIC 26871 · Midlothian, Virginia 44 No 32
First Priority firstprioritycu.comNCUA 66593 · Boston, MA 42 No 32
West Plains Bank westplainsbk.comFDIC 5369 · Ainsworth, Nebraska 58 Gated 22
The One onefcu.comNCUA 6187 · Meadville, PA 65 No 32
Planters and Citizens Bank pcbank.netblockedFDIC 10072 · Camilla, Georgia; not measured: HTTP 403 (Cloudflare) — No —
Texas National Bank texasnational.bankblockedFDIC 34014 · Sweetwater, Texas; not measured: HTTP 403 — No —
Pennsylvania Central pacentralfcu.comNCUA 2625 · Harrisburg, PA 75 No 32
The Buckholts State Bank buckholtsbank.comFDIC 11916 · Buckholts, Texas 51 Gated 20
Abbeville First Bank, SSB abbevillefirst.comFDIC 30619 · Abbeville, South Carolina 56 No 28
Sidney State Bank sidneybank.comFDIC 17232 · Sidney, Michigan 62 No 32
Elk State Bank elkstatebank.comFDIC 15259 · Clyde, Kansas 53 Gated 21
Bank of Oak Ridge bankofoakridge.bankFDIC 21529 · Oak Ridge, Louisiana 33 Gated 1
Campbell campbellcu.orgNCUA 2141 · Maple Shade, NJ 49 No 32
First Commerce Bank bankfirstcommerce.comFDIC 57273 · Marysville, Kansas 54 Gated 28
Bank of Gleason bankofgleason.comblockedFDIC 2379 · Gleason, Tennessee; not measured: HTTP 403 (CloudFront) — No —
Walled Lake Schools wlsfcu.comNCUA 6613 · Wolverine Lake, MI 45 Gated 32
First National Bank in Pinckneyville fnbpville.comFDIC 13813 · Pinckneyville, Illinois 47 No 6
Security State Bank of Warroad ssbwarroad.comFDIC 9773 · Warroad, Minnesota 66 No 11
Community Bank communitybankiowa.comFDIC 14649 · Dunlap, Iowa 60 No 27
Pickens Savings and Loan Association, FA pickens.bankFDIC 31089 · Pickens, South Carolina 51 Gated 32
Breakwater breakwaterfcu.orgNCUA 8212 · Houghton, MI 48 No 1
1St Ed Credit Union 1edcu.orgNCUA 65412 · Chambersburg, PA 50 Gated 32
The First National Bank of Cokato fnbcokato.comFDIC 5115 · Cokato, Minnesota 59 No 32
Delaware State Police dspfcu.comNCUA 13791 · Georgetown, DE 54 Gated 21
Corydon State Bank no website on recordFDIC 13616 · Corydon, Iowa; no web address reported to the FDIC — No —
County Excellence countyexfcu.orgNCUA 120 · Roselle Park, NJ 48 Gated 32
First Central Bank firstcentral.comFDIC 10637 · Cambridge, Nebraska 54 No 16
Citizens State Bank csbwyoming.comFDIC 11759 · Wyoming, Iowa 57 Gated 32
Security First National Bank of Hugo sfnb.netFDIC 432 · Hugo, Oklahoma 73 No 1
Whitesville State Bank whitesvillesb.comFDIC 16453 · Whitesville, West Virginia 28 Gated 1
Allied alliedfcu.comNCUA 17100 · Arlington, TX 54 Gated 32
Dept of Labor dolfcu.orgNCUA 4963 · Washington, DC 44 Gated 32
State Bank of Cherry statebankofcherry.comFDIC 11686 · Cherry, Illinois 49 Gated 1
The Twin Valley Bank twinvalleybank.bankFDIC 13802 · West Alexandria, Ohio 48 No 1
The Citizens State Bank csbks.comFDIC 15261 · Hugoton, Kansas 49 No 32
The First Bank of Okarche firstbankokarche.comFDIC 1165 · Okarche, Oklahoma 53 No 1
Pointwest Bank pointwestbank.comblockedFDIC 13600 · West, Texas; not measured: HTTP 403 — No —
Mtcu mtcu.orgNCUA 67642 · Midland, TX 47 No 31
First Federal Savings Bank of Angola ffsbangola.comFDIC 28769 · Angola, Indiana 62 No 32
Healthcare Employees hefcu.comNCUA 24150 · Princeton, NJ 65 No 32
Streator Home Savings Bank streatorhome.comFDIC 30357 · Streator, Illinois 41 Gated 30
Riverways riverwaysfcu.comNCUA 12890 · Rolla, MO 28 Gated 1
RG Bank, A Savings and Loan Association rgbank.bankunreachableFDIC 28315 · Monte Vista, Colorado — No —
Laredo laredofcu.orgNCUA 11011 · Laredo, TX 42 Gated 23
Southern Illinois Bank southernillinoisbank.comblockedFDIC 35229 · Johnston City, Illinois; not measured: HTTP 403 — No —
Union State Bank usbiowa.comFDIC 14982 · Winterset, Iowa 43 No 1
The Farmers and Merchants Bank thefarmersmerchants.bankFDIC 10280 · Caldwell, Ohio 33 Gated 1
Family First ffcuga.orgNCUA 61831 · Hapeville, GA 51 No 32
Coastline coastlinefcu.orgNCUA 1115 · Jacksonville, FL 55 No 32
Security State Bank sbankonline.comFDIC 9036 · Iron River, Wisconsin 48 No 22
Horizons North hncu.orgNCUA 68274 · Westminster, CO 48 No 32
Alaska Air Group aagcu.orgNCUA 8100 · Seatac, WA 56 No 32
Clay County Bank, Inc. claycounty.bankFDIC 2444 · Clay, West Virginia 43 Gated 25
Merchants & Farmers Bank of Greene County, Alabama mfbusa.comblockedFDIC 855 · Eutaw, Alabama; not measured: HTTP 403 (Cloudflare) — No —
Utica Gas & Electric Emp ugefcu.comNCUA 2252 · New Hartford, NY 41 Gated 32
Western National Bank wbduluth.comFDIC 5131 · Duluth, Minnesota 71 No 32
The Litchfield National Bank ibanklnb.comFDIC 3808 · Litchfield, Illinois 48 No 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