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 5,301–5,400 of 8,519 · page 54 of 86

SiteScore GatedPages read Report
Turtle Mountain State Bank tmstatebank.comFDIC 58586 · Belcourt, North Dakota 61 No 19
Richland County Bank richlandcountybank.comFDIC 15092 · Richland Center, Wisconsin 62 No 32
Monroe Savings Bank monroesavings.comFDIC 30103 · Williamstown, New Jersey 48 No 1
Madison County madcofcu.orgNCUA 306 · Anderson, IN 30 Gated 32
Farmers State Bank of Underwood farmerstbank.comFDIC 10174 · Underwood, Minnesota 33 Gated 1
Great Nations Bank greatnationsbank.comFDIC 58680 · Norman, Oklahoma 57 No 32
Cleveland Selfreliance clevelandselfreliance.cNCUA 24516 · Parma, OH 33 Gated 1
Farmers and Mechanics Federal Savings Bank farmersandmechanicsfederal.comFDIC 28478 · Bloomfield, Indiana 42 No 1
Spring Valley Bank springvalleybank.comblockedFDIC 34386 · Wyoming, Ohio; not measured: HTTP 403 — No —
Deepwater Industries deepwaterind.orgNCUA 430 · Deepwater, NJ 67 No 32
Riverview riverviewcu.comNCUA 24904 · Belpre, OH 54 No 32
New Alliance newalliancefcu.comNCUA 373 · Ambridge, PA 37 Gated 32
Credit Union of the Rockies cu-rockies.orgNCUA 67226 · Golden, CO 53 No 1
Mobile Educators yourmecu.comNCUA 61286 · Mobile, AL 46 Gated 12
The Peoples Bank thepeoplesbankoftn.comFDIC 6110 · Sardis, Tennessee 58 No 31
Northridge Community nrccu.orgNCUA 61257 · Virginia, MN 51 Gated 32
Valley valleycreditunion.netNCUA 60930 · Tuscumbia, AL 62 No 26
Monument Bank okfnb.comFDIC 4111 · Poteau, Oklahoma 66 No 1
Legacy Bank legacybankca.comFDIC 59204 · Murrieta, California 50 Gated 32
Bank of Commerce and Trust Company bankofcommerce.wsFDIC 4796 · Wellington, Kansas 57 No 23
Exchange State Bank lanarkbank.comFDIC 12402 · Lanark, Illinois 68 No 31
Ibew & United Workers ibewuwfcu.comNCUA 9483 · Portland, OR 61 No 32
Security State Bank of Wanamingo ssbwanamingo.comFDIC 18378 · Wanamingo, Minnesota 57 Gated 32
Southern Lakes southernlakescu.orgNCUA 66707 · Kenosha, WI 60 Gated 32
Southwest 66 southwest66.comNCUA 67550 · Odessa, TX 62 No 1
First State Bank of Beecher City fsbbc.comblockedFDIC 10871 · Beecher City, Illinois; not measured: HTTP 403 — No —
Muskogee mfcuonline.orgNCUA 946 · Muskogee, OK 45 Gated 28
The First National Bank of Coleraine colerainebank.comFDIC 5117 · Coleraine, Minnesota 53 No 1
TPNB Bank tpnbbank.comFDIC 4556 · Paris, Missouri 54 No 32
Central Savings, f.s.b. no website on recordFDIC 27910 · Chicago, Illinois; no web address reported to the FDIC — No —
Chiphone chiphone.orgNCUA 5422 · Elkhart, IN 35 Gated 32
Trunorthern trunorthernfcu.orgNCUA 21026 · Malone, NY 46 Gated 21
Integrity Bank for Business integritybankva.comFDIC 59262 · Virginia Beach, Virginia 33 Gated 1
Santa Ana safcu.orgNCUA 24520 · Santa Ana, CA 66 No 32
Anna State Bank annastate.comFDIC 11682 · Anna, Illinois 60 No 21
Members "First" Community membersfirstccu.comNCUA 63368 · Quincy, IL 61 No 32
Metrum Community metrumcu.orgNCUA 62422 · Centennial, CO 53 No 32
Explorers explorerscu.comNCUA 14874 · Yankton, SD 60 No 32
American Broadcast Employees abefcu.orgNCUA 18273 · Rockville Centr, NY 52 No 32
The State Bank of Wynnewood sbwok.comFDIC 4232 · Wynnewood, Oklahoma 49 Gated 21
Total Community tccu.usNCUA 62245 · Taylor, MI 51 Gated 32
Local Bank mylocal.bankFDIC 9614 · Tuscaloosa, Alabama 60 No 32
Midland Federal Savings and Loan Association midlandfederalsavings.comFDIC 29980 · Bridgeview, Illinois 33 Gated 1
Carver State Bank carverstatebank.comFDIC 16584 · Savannah, Georgia 28 Gated 1
Friends and Family Credit Union Inc friendsandfamilycu.comNCUA 96750 · Massillon, OH 69 No 32
Katahdin katahdinfcu.orgNCUA 9348 · Millinocket, ME 61 No 1
Pikes Peak National Bank ppnb.comFDIC 17782 · Colorado Springs, Colorado 57 Gated 32
The Bank of Grain Valley bankofgrainvalley.comFDIC 8564 · Grain Valley, Missouri 57 No 32
First State Bank of Le Center fsblecenter.comFDIC 9330 · Le Center, Minnesota 40 No 28
Bank of Louisiana bankoflouisiana.comblockedFDIC 17878 · New Orleans, Louisiana; not measured: HTTP 403 — No —
Red River State Bank redriverbank.comFDIC 15820 · Halstad, Minnesota 55 No 1
Thrive thrivecu.orgNCUA 3631 · Muncie, IN 63 No 32
The Peoples Savings and Loan Company peoplessavingsonline.comFDIC 30889 · West Liberty, Ohio 47 No 1
Port Washington pwfcu.orgNCUA 18635 · Port Washington, NY 43 Gated 31
Greater Pittsburgh Police gppfcu.comNCUA 240 · Pittsburgh, PA 60 No 28
First Mutual Bank, FSB firstmutual.bankFDIC 29617 · Belpre, Ohio 57 No 31
Security State Bank bankssb.comFDIC 15839 · Algona, Iowa 48 No 1
First California firstcalfcu.orgNCUA 23964 · Fresno, CA 41 Gated 32
Seaport seaportfcu.orgNCUA 19185 · Elizabeth, NJ 45 No 32
Weld Community weldccu.comNCUA 63122 · Greeley, CO 65 No 32
First Federal Savings and Loan Bank firstfederalolathe.comFDIC 28635 · Olathe, Kansas 62 No 6
First Eagle firsteaglefcu.orgNCUA 10958 · Owings Mills, MD 67 No 2
FNNB Bank fnnbbank.comFDIC 4482 · Newton, Iowa 46 No 1
The Peoples Bank thepeoplesbank.comFDIC 17073 · Willacoochee, Georgia 33 Gated 1
Membersown membersowncu.orgNCUA 66268 · Lincoln, NE 48 No 1
Palco Fcu palcofcu.orgNCUA 2959 · Muncy, PA 38 No 1
The United tufcu.orgNCUA 21305 · Morgantown, WV 64 No 32
Covington County Bank covcobank.comFDIC 21998 · Collins, Mississippi 61 No 20
White State Bank whitestatebank.comFDIC 8519 · South English, Iowa 56 Gated 23
Hibbing Cooperative hccu.netblockedNCUA 60164 · Hibbing, MN; not measured: HTTP 403 — No —
Anderson State Bank andersonstatebank.comFDIC 10858 · Oneida, Illinois 61 No 21
The First State Bank of Healy fsbhealy.comFDIC 17661 · Healy, Kansas 53 No 1
First Naturalstate Bank fnsbank.comFDIC 21379 · Mcgehee, Arkansas 45 Gated 8
Rancho ranchofcu.orgblockedNCUA 1204 · Downey, CA; not measured: HTTP 403 — No —
Citizens National Bank cnbcrockett.comFDIC 24085 · Crockett, Texas 54 Gated 11
Home Savings Bank hsbutah.comFDIC 26798 · Salt Lake City, Utah 28 Gated 1
The Cowboy Bank of Texas cowboybank.comblockedFDIC 12298 · Maypearl, Texas; not measured: HTTP 403 — No —
Warsaw Federal Savings and Loan Association warsawfederal.bankFDIC 28217 · Cincinnati, Ohio 57 No 32
Kaiperm kaipermcu.orgNCUA 11944 · Walnut Creek, CA 59 Gated 32
Bank of Bozeman bankofbozeman.comunreachableFDIC 57952 · Bozeman, Montana — No —
Maynard Savings Bank maynardsavingsbank.comFDIC 13736 · Maynard, Iowa 46 No 15
First Bank and Trust of Fullerton fbtfullerton.comFDIC 5405 · Fullerton, Nebraska 33 Gated 1
Ohio Healthcare ohiohealthcarefcu.comNCUA 24725 · Dublin, OH 47 Gated 32
Rockdale rockdalefcu.orgNCUA 19926 · Rockdale, TX 47 Gated 11
Ascension ascensioncu.orgNCUA 62018 · Gonzales, LA 41 Gated 32
Garfield County Bank garfieldcountybank.comFDIC 18164 · Jordan, Montana 44 Gated 10
Nashville Savings Bank nashvillesavingsbk.comFDIC 29677 · Nashville, Illinois 37 No 7
Bay Area bayareacu.comNCUA 63375 · Oregon, OH 67 Gated 32
The Bank of Magnolia Company bankofmagnolia.comFDIC 2300 · Magnolia, Ohio 48 No 1
American Partners apfcu.comNCUA 22119 · Reidsville, NC 56 No 31
Leatherstocking Region lsrfcu.orgNCUA 22625 · Cooperstown, NY 45 No 1
Next Step nextstepfcu.orgNCUA 9486 · Troy, NY 39 Gated 32
Raritan Bay rbfcu.coopNCUA 4726 · Sayreville, NJ 64 Gated 32
The Sherwood State Bank sherwood.bankFDIC 16222 · Sherwood, Ohio 40 Gated 23
Lassen County lassencreditunion.comNCUA 17232 · Susanville, CA 52 No 32
Roanoke Valley Community rvccu.orgNCUA 5604 · Roanoke, VA 60 No 32
Liberty Bank of New Jersey libertybanknj.comFDIC 59369 · Verona, New Jersey 28 Gated 1
Worcester worcestercu.comNCUA 64144 · Worcester, MA 55 No 32
Golden Circle goldencirclecu.comNCUA 61239 · Massillon, OH 49 Gated 9
First Capital Bank fcbqt.comFDIC 3399 · Quanah, Texas 57 No 17

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