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 5,101–5,200 of 8,519 · page 52 of 86

SiteScore GatedPages read Report
The State Bank of Bern statebankofbern.comFDIC 10919 · Bern, Kansas 36 Gated 14
Meijer meijercreditunion.comNCUA 62393 · Grand Rapids, MI 55 Gated 32
Commonwealth cwcu.comNCUA 97095 · Bourbonnais, IL 41 No 1
Texoma Educators texomaeducators.comNCUA 11670 · Sherman, TX 30 Gated 32
United Community unitedccu.comNCUA 68369 · Houston, TX 52 No 32
North Iowa Community niccu.comNCUA 64191 · Mason City, IA 47 No 32
FNB Coweta fnbcoweta.comFDIC 4071 · Coweta, Oklahoma 59 No 18
Brainerd B. N. bbncu.orgNCUA 60436 · Brainerd, MN 56 No 32
Allentown allentownfcu.comNCUA 10015 · Allentown, PA 41 Gated 32
Hodge Bank & Trust Company hodgebank.netFDIC 19354 · Hodge, Louisiana 62 No 1
Conservation First Bank conservationfirstbank.comFDIC 14316 · Benton, Wisconsin 49 No 1
Illinois State Police ispfcu.orgNCUA 17335 · Springfield, IL 52 No 31
Brantley Bank and Trust Company brantleybank.comblockedFDIC 16386 · Brantley, Alabama; not measured: HTTP 403 — No —
Spectra Bank spectra.bankFDIC 26708 · Fort Worth, Texas 39 Gated 6
Commercial State Bank csbpalmer.comFDIC 10330 · Palmer, Texas 54 Gated 10
Rocky Mountain Bank & Trust rmbt.comFDIC 3019 · Florence, Colorado 60 No 32
Community First Bank communityfirstbankmn.comFDIC 5197 · Menahga, Minnesota 63 No 24
Auburn Community auburnfcu.comNCUA 988 · Auburn, NY 65 No 32
Eagle Louisiana eaglefederal.orgNCUA 24661 · Baton Rouge, LA 58 Gated 32
Dalhart Federal Savings & Loan Association, SSB dalhartfederal.comFDIC 29208 · Dalhart, Texas 48 No 1
Department of Corrections doccu.orgNCUA 62808 · Baton Rouge, LA 59 No 32
Crow Wing Power cwpcu.orgNCUA 68389 · Brainerd, MN 42 Gated 32
Cedar Valley Bank & Trust cedarvalleybank.comFDIC 14694 · La Porte City, Iowa 58 No 32
Garden Island gardenislandfcu.comNCUA 24796 · Lihue, HI 51 Gated 32
Plus pluscu.orgNCUA 86756 · Las Vegas, NV 57 No 32
Coconino coconinofcu.orgNCUA 10335 · Flagstaff, AZ 45 Gated 32
Flora Bank & Trust fbandtbank.comFDIC 22598 · Flora, Illinois 58 Gated 1
N A E naefcu.orgNCUA 16706 · Chesapeake, VA 66 No 31
First State Bank fsb-britt.comFDIC 8522 · Britt, Iowa 55 No 19
Nesc nescfcu.orgNCUA 12334 · Methuen, MA 61 No 32
Tomah Area tacuonline.comNCUA 66615 · Tomah, WI 65 No 32
Bison State Bank bisonstatebank.comFDIC 14083 · Bison, Kansas 62 No 24
Hershey hersheyfcu.orgNCUA 6095 · Hummelstown, PA 59 No 32
Eastern International Bank eibankca.comFDIC 32277 · Los Angeles, California 46 No 15
The Health & Education thefcu.comNCUA 10800 · Lexington, KY 51 No 23
Chester National Bank chesternationalbank.comFDIC 30220 · Chester, Illinois 56 No 32
Truenergy truenergyfcu.orgNCUA 3323 · Springfield, VA 56 No 32
Gulf Coast Community gulfcoastcommunityfcu.orNCUA 242 · Gulfport, MS 33 Gated 1
Kansas Teachers Community kstcu.orgNCUA 67995 · Pittsburg, KS 52 No 32
Powernet powernetcu.orgNCUA 68042 · Tampa, FL 54 No 32
The Hamler State Bank hamlerstatebank.comFDIC 14920 · Hamler, Ohio 52 No 32
HomePride Bank homepridebank.comFDIC 11466 · Mansfield, Missouri 54 No 32
Brotherhood brotherhoodcreditunion.oNCUA 66350 · Lynn, MA 33 Gated 1
Scottsdale Community Bank scottsdalecommunitybank.comFDIC 59203 · Scottsdale, Arizona 58 No 32
Citizens Bank of Rogersville cbofr.comFDIC 8572 · Rogersville, Missouri 57 No 31
Adventhealth ahcu.ccNCUA 67349 · Altamonte Sprin, FL 74 No 1
United Savings unitedsavingscu.orgNCUA 65578 · Fargo, ND 57 No 32
First Missouri 1stmocu.orgNCUA 62716 · Saint Louis, MO 44 Gated 32
Lincoln State Bank lsbhank.comFDIC 8390 · Hankinson, North Dakota 46 No 18
Mutual First mutualfirst.comNCUA 24540 · Omaha, NE 61 No 32
Lanco lancofcu.comNCUA 16657 · Lancaster, PA 29 Gated 32
Adelphi Bank adelphibank.comFDIC 59292 · Columbus, Ohio 56 No 18
The Samson Banking Company, Inc. samsonbanking.comFDIC 16185 · Samson, Alabama 35 No 5
Princeville State Bank p-s-b.comblockedFDIC 16900 · Princeville, Illinois; not measured: HTTP 403 — No —
BP bpfcu.orgNCUA 24445 · Houston, TX 63 No 27
Northern Communities nccyou.comNCUA 64655 · Duluth, MN 48 Gated 32
Telco Plus telcoplus.orgNCUA 66351 · Longview, TX 50 Gated 32
Ingersoll-Rand ingersollrandfcu.comNCUA 14425 · Sayre, PA 51 No 32
State Bank of New Richland sbnr.bizFDIC 9735 · New Richland, Minnesota 48 No 1
Dnb National Bank dnbanks.comFDIC 3977 · Clear Lake, South Dakota 56 No 28
Stockmens National Bank in Cotulla snbcotulla.comFDIC 14864 · Cotulla, Texas 41 Gated 14
River Valley myrivervalleycu.orgNCUA 62123 · Ada, MI 66 No 32
One Source onesourcefcu.orgNCUA 2115 · El Paso, TX 65 No 32
Home Banking Company homebankingco.comFDIC 9196 · Selmer, Tennessee 55 No 23
Connect Bank connectbank.usFDIC 5634 · Star City, Arkansas 28 Gated 28
Tarrant County's Credit Union tccu-tx.comNCUA 60051 · Fort Worth, TX 51 Gated 32
First State Bank of Golva fsbofgolva.comFDIC 10243 · Golva, North Dakota 64 No 7
F R B frbfcu.orgNCUA 320 · Washington, DC 53 No 32
Woodsfield Savings Bank woodsfieldsavings.comFDIC 32292 · Woodsfield, Ohio 57 No 31
Missouri Central mocentral.orgNCUA 64036 · Lees Summit, MO 71 No 32
The Wilson State Bank wilsonstatebank.netFDIC 12136 · Wilson, Kansas 47 Gated 32
Metro metro.coopNCUA 61840 · Springfield, MO 48 No 1
Luso-American luso-american.comNCUA 67890 · Peabody, MA 48 No 1
Progressive National Bank progressivenational.comFDIC 24443 · Mansfield, Louisiana 36 Gated 17
Advance Financial advancefcu.orgNCUA 24078 · Schererville, IN 44 Gated 32
Farmers Building and Savings Bank no website on recordFDIC 34711 · Rochester, Pennsylvania; no web address reported to the FDIC — No —
Thinkwise thinkwisecu.orgNCUA 7770 · San Bernardino, CA 64 No 32
First Central Bank McCook firstcentral.comFDIC 34995 · Mccook, Nebraska 54 No 16
G. W. Jones Exchange Bank gwjonesbank.comFDIC 999 · Marcellus, Michigan 54 Gated 32
Guthrie Community guthriefcu.orgNCUA 23394 · Sayre, PA 59 Gated 31
Central Credit Union of Illinois centralcu.orgNCUA 60852 · Bellwood, IL 57 No 32
Midwest National Bank midwestnationalbank.comFDIC 3834 · Sandoval, Illinois 35 Gated 32
Pocahontas State Bank pocahontasstatebank.netFDIC 234 · Pocahontas, Iowa 61 No 1
Cleo State Bank cleostatebank.comFDIC 406 · Cleo Springs, Oklahoma 56 No 1
Farmers and Merchants Savings Bank fmbankonline.comFDIC 10492 · Iowa City, Iowa 52 No 18
Headwaters State Bank headwatersstatebank.comFDIC 9035 · Land O' Lakes, Wisconsin 47 No 31
Solon State Bank solonstatebank.comFDIC 232 · Solon, Iowa 56 No 19
The First National Bank of Nevada, Missouri fnbnevada.comFDIC 4598 · Nevada, Missouri 35 Gated 16
KSW kswfcu.orgNCUA 9943 · Waterville, ME 28 Gated 1
Kennett Trust Bank kennetttrustbank.comblockedFDIC 18879 · Kennett, Missouri; not measured: HTTP 403 — No —
Corebank corebankok.comblockedFDIC 18063 · Waynoka, Oklahoma; not measured: HTTP 403 — No —
Governmental Employees gecuwi.comNCUA 66529 · La Crosse, WI 44 No 32
Maple City Savings Bank, FSB maplecitysavings.comFDIC 28585 · Hornell, New York 56 No 30
Bedford Loan & Deposit Bank bedfordbank.comblockedFDIC 11355 · Bedford, Kentucky; not measured: HTTP 403 — No —
North Georgia ngcu.orgNCUA 67395 · Toccoa, GA 58 No 32
The First State Bank fsbabernathy.netFDIC 11175 · Abernathy, Texas 47 No 32
St. Michaels Fall River stmichaelsfcu.comNCUA 8915 · Fall River, MA 63 No 32
Casco cascofcu.comNCUA 9327 · Gorham, ME 60 No 32
Key Community Bank keycommunitybank.comFDIC 34644 · Inver Grove Heights, Minnesota 31 Gated 32
California International Bank, N.A. cali.bankFDIC 57974 · Westminster, California 59 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