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 5,201–5,300 of 8,519 · page 53 of 86

SiteScore GatedPages read Report
Heritage Bank Minnesota heritagebankmn.comFDIC 8865 · West Concord, Minnesota 53 Gated 32
Logan County Bank logancountybank.netFDIC 5632 · Scranton, Arkansas 46 Gated 32
Custer Federal State Bank custerfederal.comFDIC 28543 · Broken Bow, Nebraska 64 No 32
Nova novacu.comNCUA 63425 · Charlotte, NC 56 No 26
Illinois Educators iecumember.orgNCUA 65305 · Springfield, IL 53 Gated 32
Community Resource communityresourcefcu.comNCUA 770 · Latham, NY 58 No 32
The First National Bank of Williamson yourfnbonline.comFDIC 6805 · Williamson, West Virginia 53 No 11
Community communitycreditunion.comNCUA 63447 · Lewiston, ME 51 No 32
United Bank & Trust Co. bankubt.comFDIC 57391 · Marshalltown, Iowa 63 No 32
Global Innovations Bank gibank.comFDIC 5175 · Kiester, Minnesota 65 No 12
CGR cgrcu.orgNCUA 67367 · Macon, GA 48 Gated 32
Estacado estacadofcu.comNCUA 8299 · Hobbs, NM 61 No 1
CentreBank centrebank.netFDIC 15532 · Veedersburg, Indiana 52 No 20
First American firstamerican.orgNCUA 64412 · Casa Grande, AZ 45 No 1
Peoples Bank, Mt. Washington peoplesbankmtw.comblockedFDIC 5847 · Mount Washington, Kentucky; not measured: HTTP 403 — No —
Farmers & Merchants Bank of North Dakota fmbnd.comblockedFDIC 8640 · Tolna, North Dakota; not measured: HTTP 403 — No —
The Hamilton Bank thehamiltonbank.bankFDIC 15606 · Hamilton, Missouri 33 Gated 1
Fredonia Valley Bank fredoniavalleybank.comblockedFDIC 9669 · Fredonia, Kentucky; not measured: HTTP 403 — No —
First Community Bank of Moultrie County firstmoco.comFDIC 3745 · Sullivan, Illinois 56 No 31
Community Savings Bank bankwith-csb.comFDIC 32286 · Bethel, Ohio 54 No 32
Lone Oak Bank, National Association loneoakbank.comblockedFDIC 3184 · Eldorado, Texas; not measured: HTTP 403 (CloudFront) — No —
River Valley rvcu.orgNCUA 61664 · Ames, IA 64 No 30
United Local unitedlocal.orgNCUA 60408 · Fresno, CA 51 No 32
Landmark landmarkcreditunion.comNCUA 60532 · Danville, IL 56 No 32
Salt City saltcityfcu.orgNCUA 8512 · Solvay, NY 54 Gated 32
Expree expree.orgNCUA 62431 · Frankfort, KY 71 No 32
American Metro Bank americanmetrobank.comblockedFDIC 34334 · Chicago, Illinois; not measured: HTTP 403 — No —
Community Bank cbbristow.comFDIC 8975 · Bristow, Oklahoma 60 No 31
Valley vfcu.netunreachableNCUA 850 · Brownsville, TX — No —
Security State Bank ssbiowa.comFDIC 18448 · Radcliffe, Iowa 48 No 1
Centex Citizens centexcitizenscu.comNCUA 67416 · Mexia, TX 42 Gated 31
Richland richlandfederalcredituniNCUA 3391 · Sidney, MT 33 Gated 1
A.a.e.c. aaeccu.comNCUA 60648 · Arlington Heigh, IL 49 Gated 23
Sea Air seaairfcu.orgNCUA 7817 · Seal Beach, CA 42 Gated 32
Prestige Community prestigecu.orgNCUA 67507 · Dallas, TX 37 Gated 32
McIntosh County Bank makeitmcb.comFDIC 13794 · Ashley, North Dakota 42 Gated 32
The Farmers and Merchants National Bank of Fairview fairview.bankFDIC 4097 · Fairview, Oklahoma 56 No 32
Valley valleycu.orgNCUA 64169 · Salem, OR 34 No 32
Countryside Bank countrysidebank.comFDIC 1438 · Unadilla, Nebraska 60 No 23
Kalamazoo County State Bank kcsbank.comFDIC 5892 · Schoolcraft, Michigan 50 No 32
Hancock hancockfcu.comNCUA 2815 · Findlay, OH 32 Gated 1
Two Harbors thfcu.orgNCUA 5721 · Two Harbors, MN 46 Gated 18
The Granville National Bank gnbonline.comFDIC 13983 · Granville, Illinois 33 Gated 1
Twin Cedars Bank twincedars.bankFDIC 1556 · Bussey, Iowa 63 No 32
First Bank yourfirst.bankFDIC 4092 · Erick, Oklahoma 46 No 1
Omaha omahafcu.orgNCUA 135 · Omaha, NE 55 Gated 32
SMW 104 smw104fcu.orgNCUA 14934 · Livermore, CA 57 No 2
Brewer brewerfcu.orgunreachableNCUA 13682 · Brewer, ME — No —
Henderson Federal Savings Bank hendersonfederal.comFDIC 29241 · Henderson, Texas 48 Gated 32
Union State Bank usbwestsalem.comFDIC 14560 · West Salem, Wisconsin 48 Gated 31
Collinsville Building and Loan Association collinsvillebuildingandloan.comFDIC 28103 · Collinsville, Illinois 57 Gated 30
Fergus fergusfcu.comNCUA 8881 · Lewistown, MT 61 No 24
Members memberscreditunion.comblockedNCUA 67649 · Cleburne, TX; not measured: HTTP 403 — No —
Circle circlefcu.orgNCUA 22114 · Niles, MI 49 Gated 32
First State Bank of Bigfork fsbbigfork.comFDIC 10991 · Bigfork, Minnesota 64 No 32
Metz Banking Company metzbank.bankFDIC 1945 · Nevada, Missouri 55 No 8
State Bank of Bottineau statebankofbottineau.comFDIC 9121 · Bottineau, North Dakota 58 No 32
Mid-Central National Bank midcentralbank.comFDIC 30943 · Wadena, Minnesota 55 Gated 32
Marquette Community marquettecomm.orgNCUA 7873 · Marquette, MI 48 Gated 32
Tacoma Longshoremen tlcu23.comNCUA 68229 · Tacoma, WA 59 No 31
Bank of Brookfield - Purdin, National Association bankbp.comFDIC 9385 · Brookfield, Missouri 66 No 1
Desert Rivers desertriverscu.comNCUA 24918 · Moab, UT 60 No 32
LA Loma llfcu.orgNCUA 10351 · Loma Linda, CA 53 Gated 32
Bank of New Madrid bankofnewmadrid.comFDIC 14701 · New Madrid, Missouri 51 Gated 32
The Farmers State Bank of Brush fsbbrushakron.comFDIC 10407 · Brush, Colorado 56 No 32
Wahoo State Bank wahoostatebank.comFDIC 1163 · Wahoo, Nebraska 60 No 32
Southwest Oklahoma swofcu.comNCUA 12271 · Lawton, OK 40 Gated 31
Portage Bank portage.bankFDIC 8197 · Bellevue, Washington 43 Gated 32
The State Bank of Geneva sbgeneva.comFDIC 925 · Geneva, Illinois 62 No 32
North Star northstarcreditunion.orgNCUA 60689 · Cook, MN 57 No 1
Corry corryfcu.orgNCUA 12643 · Corry, PA 45 No 1
Peoples Bank of Graceville peoplesgraceville.comFDIC 21692 · Graceville, Florida 50 No 17
First Community Bank fcb4u.comFDIC 14904 · Newell, Iowa 33 Gated 1
Neighbors Bank neighborsbank.comFDIC 16247 · Clarence, Missouri 46 Gated 29
Wichita Falls Teachers wftfcu.comNCUA 2112 · Wichita Falls, TX 56 No 32
Peoples Bank of Greensboro peoplesbankofgreensboro.comFDIC 1730 · Greensboro, Alabama 59 No 23
Sound mysoundcu.orgNCUA 24705 · Norwalk, CT 47 Gated 13
The Baldwin State Bank baldwinstatebank.comFDIC 10906 · Baldwin City, Kansas 60 No 22
Weyco Community weycocreditunion.comNCUA 66324 · Plymouth, NC 59 No 20
White Rose whiterosecu.comNCUA 68296 · York, PA 68 No 32
State Bank statebankwy.comFDIC 34441 · Green River, Wyoming 58 No 12
City Employees cecuknox.comblockedNCUA 67778 · Knoxville, TN; not measured: HTTP 403 — No —
Peoples Advantage peoplesadvfcu.orgNCUA 17464 · Petersburg, VA 45 No 1
The Commercial Bank Of Ozark cbozark.comFDIC 17975 · Ozark, Alabama 56 No 32
The Lyndon State Bank lyndonstatebank.comFDIC 12135 · Lyndon, Kansas 55 No 31
L G & W lgwfcu.comNCUA 3796 · Memphis, TN 33 Gated 32
Home Savings Bank homesavingschanute.comFDIC 28246 · Chanute, Kansas 47 No 17
Grand Junction grandjunctionfcu.orgNCUA 11718 · Grand Junction, CO 49 Gated 32
Rushford State Bank (Incorporated) rushfordstatebank.comFDIC 11411 · Rushford, Minnesota 40 No 1
Mercer County Community mercomfcu.orgNCUA 11891 · Hermitage, PA 48 No 1
The National Bank of Adams County of West Union nbaconline.comFDIC 6728 · West Union, Ohio 54 No 17
The Commercial Bank tcbmason.comFDIC 19595 · Mason, Texas 65 No 11
The Lytle State Bank of Lytle, Texas lytlestatebank.comFDIC 15501 · Lytle, Texas 63 No 31
Blissfield State Bank blissfieldstate.comFDIC 976 · Blissfield, Michigan 33 Gated 1
B2 Bank National Association b2.bankFDIC 5105 · Holladay, Utah 48 No 1
The First National Bank of Sparta fnbsparta.comFDIC 3837 · Sparta, Illinois 71 No 1
Morganton Savings Bank, S.S.B. morgantonsavings.comFDIC 30434 · Morganton, North Carolina 48 No 1
Security State Bank of Aitkin ssbmn.comFDIC 16656 · Aitkin, Minnesota 60 No 32
One Credit Union of NY onecreditunion.orgNCUA 60716 · Cheektowaga, NY 38 No 32
White River whiterivercu.comunreachableNCUA 67201 · Enumclaw, WA — 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