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 5,001–5,100 of 8,519 · page 51 of 86

SiteScore GatedPages read Report
Healthcare Systems healthcarefcu.orgNCUA 24564 · Falls Church, VA 38 No 32
ACB Bank acbbank.netFDIC 4061 · Cherokee, Oklahoma 56 No 32
Integra First integrafirstfcu.comNCUA 5748 · Powers, MI 61 No 32
Worthington Federal Savings Bank, FSB worthingtonfederalsavings.comFDIC 29426 · Worthington, Minnesota 67 No 1
Wailuku wailukufcu.comNCUA 9924 · Kahului, HI 59 No 31
Okaloosa County Teachers okaloosafcu.orgNCUA 13534 · Crestview, FL 42 Gated 32
The Peoples Bank thepeoplesbank-ky.comFDIC 16603 · Marion, Kentucky 59 No 32
F&M Bank fmbankfc.bankblockedFDIC 5401 · Falls City, Nebraska; not measured: HTTP 403 — No —
Chillicothe State Bank gostatebank.comblockedFDIC 15546 · Chillicothe, Missouri; not measured: HTTP 403 (CloudFront) — No —
Stoughton Co-operative Bank stoughtoncoop.bankFDIC 26513 · Stoughton, Massachusetts 28 Gated 1
Liberty Savings lsfcu.orgNCUA 7184 · Jersey City, NJ 61 No 32
Greater Cincinnati School gccu.orgNCUA 96722 · Cincinnati, OH 61 No 29
Workmen's Circle Incorporated workmenscirclecu.comNCUA 67892 · Savannah, GA 37 Gated 31
Pillar pillarcu.comNCUA 61324 · Marion, OH 44 Gated 32
Interfaith interfaithfcu.orgNCUA 5816 · Montclair, CA 57 No 32
The Miners State Bank theminersstatebank.comFDIC 10928 · Iron River, Michigan 51 Gated 32
Rushville State Bank rushvillestatebank.comFDIC 9265 · Rushville, Illinois 62 No 30
Lesco lescofcu.comNCUA 6785 · Latrobe, PA 44 No 1
The State Bank of Toledo banktoledo.comFDIC 4514 · Toledo, Iowa 48 No 1
Bank of Halls bankofhalls.comFDIC 10315 · Halls, Tennessee 54 No 32
Preferred Bank mypfbank.comblockedFDIC 10628 · Rothville, Missouri; not measured: HTTP 403 — No —
St. Clair State Bank (Incorporated) stclairstatebank.comFDIC 1903 · Saint Clair, Minnesota 28 Gated 1
Texas Health thcu.orgblockedNCUA 67452 · Austin, TX; not measured: HTTP 429 — No —
State Bank of Missouri gostatebank.comblockedFDIC 10623 · Concordia, Missouri; not measured: HTTP 403 (CloudFront) — No —
First National Bank of Dublin bankingfnb.comFDIC 26228 · Dublin, Texas 51 Gated 26
Treadwell treadwellcu.comNCUA 97105 · Dayton, OH 46 Gated 32
Bank of Hazlehurst bankofhazlehurst.comFDIC 149 · Hazlehurst, Georgia 47 Gated 19
Members 1St of Nj membersonenj.orgNCUA 2574 · Vineland, NJ 54 Gated 32
United Community myuccu.comNCUA 60095 · Quincy, IL 66 No 32
Bank of Kampsville thebankofkampsville.comblockedFDIC 11750 · Kampsville, Illinois; not measured: HTTP 403 — No —
Pheple pheplefcu.orgNCUA 7297 · Greensburg, PA 48 Gated 32
Finex finexcu.orgNCUA 68662 · East Hartford, CT 59 No 32
Connected connectedcreditunion.orgNCUA 62976 · Augusta, ME 48 Gated 32
The First National Bank of Aspermont fnbaspermont.comFDIC 3079 · Aspermont, Texas 49 Gated 16
Aflac aflacfcu.netNCUA 16096 · Columbus, GA 48 No 1
Broward Healthcare bhcfcu.orgNCUA 11746 · Fort Lauderdale, FL 57 No 32
The Citizens National Bank of Quitman cnbquitman.comFDIC 14731 · Quitman, Georgia 57 No 32
The First National Bank of Moose Lake firstmooselake.comFDIC 5214 · Moose Lake, Minnesota 41 Gated 32
County Bank countybankonline.comFDIC 12220 · Brunswick, Missouri 60 No 32
Pioneer State Bank pioneerstate.bankFDIC 29517 · Deer Lodge, Montana 64 Gated 31
Sunrise Family sunrisefamilycu.orgNCUA 61995 · Bay City, MI 54 Gated 32
Community Bank of Pleasant Hill cbphonline.netFDIC 58423 · Pleasant Hill, Missouri 55 No 32
First Community Bank of Hillsboro fcbhillsboro.comFDIC 34752 · Hillsboro, Illinois 28 Gated 1
The Southern Bank Company sobanco.comFDIC 29731 · Gadsden, Alabama 55 Gated 32
The Iuka State Bank iukabank.comblockedFDIC 11317 · Salem, Illinois; not measured: HTTP 403 — No —
Zenith Bank & Trust zenithprivate.comblockedFDIC 59318 · Scottsdale, Arizona; not measured: HTTP 403 — No —
Firefighters myfirecu.orgNCUA 66423 · Onalaska, WI 54 No 32
The First National Bank of Ely fnbely.comFDIC 2273 · Ely, Nevada 49 Gated 32
Community State Bank commbankonline.comFDIC 22567 · Shelbina, Missouri 31 Gated 1
Jackson River Community jrccu.orgNCUA 66967 · Covington, VA 53 No 21
Straits Area mi-safcu.orgNCUA 7428 · Cheboygan, MI 74 No 31
Premier Financial yourpfcu.comNCUA 66760 · New Holstein, WI 28 Gated 1
Oakdale oakdalecu.coopNCUA 67200 · Oakdale, WI 57 Gated 32
Cenla cenlafcu.orgNCUA 15602 · Alexandria, LA 54 Gated 32
Members Advantage macuonline.orgNCUA 68242 · Michigan City, IN 33 Gated 1
Gas and Electric gaselectriccu.comNCUA 65003 · Rock Island, IL 56 No 31
Bonduel State Bank bonduelbank.comFDIC 11235 · Bonduel, Wisconsin 28 Gated 1
American Interstate Bank americaninterstatebank.comFDIC 1439 · Elkhorn, Nebraska 61 No 30
The Riley State Bank of Riley, Kansas rileystatebank.comFDIC 16120 · Riley, Kansas 50 No 32
Pikes Peak pikespeakcu.comNCUA 68266 · Colorado Spring, CO 75 No 32
C-B-W Schools cbwsfcu.orgNCUA 11374 · Sidman, PA 46 Gated 31
Eastex eastexcu.orgNCUA 97098 · Evadale, TX 57 Gated 32
Trademark trademarkfcu.orgNCUA 1133 · Augusta, ME 48 No 1
Fidelity Federal Savings and Loan Association of Delaware fidfedsl.comFDIC 29521 · Delaware, Ohio 52 No 32
The Bendena State Bank bendenastatebank.comFDIC 17410 · Bendena, Kansas 46 No 1
Home Savings and Loan Association of Carroll County, F.A. norbornehsl.comFDIC 27898 · Norborne, Missouri 57 No 24
University of Nebraska nufcu.orgNCUA 2384 · Lincoln, NE 70 No 21
Heritage Valley heritagevalleyfcu.orgNCUA 303 · York, PA 60 No 31
Spencer County Bank spencercountybank.comFDIC 5786 · Santa Claus, Indiana 45 Gated 9
Bragg Mutual braggmutual.orgNCUA 7955 · Fayetteville, NC 59 Gated 32
Russell Country russellcountryfcu.orgNCUA 5387 · Great Falls, MT 59 No 32
F A A faafcu.orgNCUA 9639 · Cordova, TN 45 Gated 31
Stagepoint stagepointfcu.comNCUA 687 · Laramie, WY 56 No 32
Choice One Community choiceone.orgNCUA 4240 · Plains Township, PA 56 Gated 32
First State Bank of the South, Inc. firststatebanksouth.comFDIC 21050 · Sulligent, Alabama 58 No 1
Peoples peoplesfcu.comNCUA 16993 · Nitro, WV 40 Gated 32
Tri Boro triboro-fcu.orgNCUA 794 · Munhall, PA 47 Gated 32
Farmers Savings Bank fsbwever.comunreachableFDIC 10500 · Wever, Iowa — No —
California Business Bank californiabusinessbank.comFDIC 58037 · Irvine, California 61 No 13
Clean Energy cleanenergycu.orgNCUA 24889 · Englewood, CO 47 Gated 32
Farmers State Bank & Trust Co. fsb-tc.comFDIC 10458 · Mount Sterling, Illinois 55 No 19
1st Equity Bank 1stequitybank.netFDIC 34393 · Skokie, Illinois 61 No 1
Concordia Bank of Concordia, Missouri concordia-bank.comFDIC 13788 · Concordia, Missouri 53 No 28
SSB Bank spirostatebank.comFDIC 16908 · Spiro, Oklahoma 57 No 17
Minnesota Lakes Bank mnlb.bankFDIC 23986 · Delano, Minnesota 33 Gated 1
First State Bank stuartbank.comFDIC 16177 · Stuart, Iowa 55 No 31
The Baltic State Bank balticstatebank.comFDIC 17759 · Baltic, Ohio 53 Gated 32
KeySavings Bank keysavingsbank.comFDIC 29691 · Wisconsin Rapids, Wisconsin 47 Gated 32
SNB Bank, National Association snbbankna.comFDIC 4196 · Shattuck, Oklahoma 42 Gated 1
Firefighters & Company ffcocu.orgNCUA 395 · Dayton, OH 58 No 1
Community One Credit Union of Ohio c1cu.comNCUA 62628 · North Canton, OH 61 No 21
The Citizens Bank no website on recordFDIC 22358 · Greensboro, Alabama; no web address reported to the FDIC — No —
The First National Bank of Bagley fnbbagley.comFDIC 5087 · Bagley, Minnesota 33 Gated 1
United Community unitedcommunityfcu.orgNCUA 7415 · West Mifflin, PA 68 No 32
Triangle trianglefcu.comNCUA 13334 · Columbus, MS 57 No 32
SUN suncu.orgNCUA 67332 · Hollywood, FL 63 No 32
Energy energycreditunion.orgNCUA 66369 · West Roxbury, MA 69 No 13
Ufirst ufirstfcu.netNCUA 20613 · Plattsburgh, NY 63 No 32
Community Bank of Wichita, Inc. cbw.bankFDIC 35118 · Wichita, Kansas 50 No 26
The Stockgrowers State Bank stockgrowers.bizFDIC 18165 · Maple Hill, Kansas 55 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