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 5,401–5,500 of 8,519 · page 55 of 86

SiteScore GatedPages read Report
Citizens Bank & Trust cbtmo.comFDIC 14293 · Rock Port, Missouri 50 Gated 28
Platte Valley Bank pvbonline.comFDIC 9818 · North Bend, Nebraska 44 No 1
Membersfirst Ct membersfirstctfcu.comNCUA 1049 · Meriden, CT 51 No 32
Produce State Bank producestatebank.comFDIC 10178 · Hollandale, Minnesota 53 No 1
Community Unity Bank communityunity.bankblockedFDIC 59305 · Birmingham, Michigan; not measured: HTTP 403 — No —
North Carolina Community nccfcu.orgNCUA 12004 · Goldsboro, NC 60 No 32
Prairie Sun Bank bankwithpsb.comFDIC 8207 · Milan, Minnesota 33 Gated 1
Advanced Financial advfinfcu.comNCUA 16785 · New Providence, NJ 46 No 1
Valley 1St Community valley1st.orgNCUA 649 · Monessen, PA 54 No 32
Farmway farmwaycu.comNCUA 63374 · Beloit, KS 48 No 32
The Citizens Bank of Edina cbofe.comFDIC 12457 · Edina, Missouri 48 No 1
Winthrop Area winthropcreditunion.orgNCUA 2301 · Winthrop, ME 56 Gated 28
The Local thelocalcreditunion.comNCUA 63342 · Sterling Height, MI 67 No 32
Gainey Business Bank gaineybusinessbank.comFDIC 59273 · Scottsdale, Arizona 33 Gated 1
Onenebraska bankingwithyou.comNCUA 24402 · Columbus, NE 60 No 32
Advantage acuiowa.orgNCUA 64030 · Newton, IA 42 Gated 32
Beauregard Federal Savings Bank beauregardfederal.comFDIC 30339 · Deridder, Louisiana 59 No 21
Vue Community vueccu.comNCUA 64408 · Bismarck, ND 60 No 32
Cherokee Strip cherokeestrip.comNCUA 64281 · Ponca City, OK 56 No 32
Breda Savings Bank bredasavingsbank.comFDIC 5792 · Breda, Iowa 49 No 32
First State Bank Minnesota fsbminnesota.comFDIC 10162 · Le Roy, Minnesota 40 No 26
Consumers consumersfcu.comNCUA 16951 · Brooklyn, NY 41 Gated 1
Hometown Community Bank hcbmn.comFDIC 10197 · Cyrus, Minnesota 53 No 1
Northwest Christian mynccu.orgNCUA 97073 · Nampa, ID 45 No 1
First National Bank of Kansas fnbofks.bankFDIC 4794 · Burlington, Kansas 63 No 32
Money One moneyonefcu.orgNCUA 7264 · Largo, MD 48 No 1
America's First Network afncu.comNCUA 68680 · East Hartford, CT 55 Gated 32
Great Lakes First glffcu.comNCUA 6102 · Escanaba, MI 60 No 20
Bank of Erath bankoferath.comblockedFDIC 8532 · Erath, Louisiana; not measured: HTTP 403 — No —
Holley holleycreditunion.orgNCUA 68073 · Paris, TN 57 No 15
Investment Savings Bank investmentsb.bankFDIC 30121 · Altoona, Pennsylvania 53 No 32
The First National Bank of Anson fnbanson.comFDIC 3078 · Anson, Texas 28 Gated 1
Exchange State Bank esbks.comFDIC 14556 · Saint Paul, Kansas 53 No 1
Sheridan Community sheridancreditunion.comblockedNCUA 4374 · Sheridan, WY; not measured: HTTP 403 (Cloudflare) — No —
Civic Central goodcu.orgNCUA 62598 · Jefferson City, MO 55 No 31
Bank of Billings thebankofbillings.comFDIC 16959 · Billings, Missouri 56 No 8
First Watch myfwcu.orgNCUA 13290 · Abilene, TX 57 No 32
Route 31 route31cu.comNCUA 5982 · Muskegon, MI 59 No 32
The Corn City State Bank corncitystatebank.comFDIC 12980 · Deshler, Ohio 45 Gated 11
Sibley State Bank sibleystatebank.comFDIC 11764 · Sibley, Iowa 59 No 32
First National Bank in Fredonia fnbfredonia.comblockedFDIC 13798 · Fredonia, Kansas; not measured: HTTP 403 — No —
Clay County State Bank claycobank.comFDIC 10821 · Louisville, Illinois 47 No 21
Woodruff Federal Savings and Loan Association woodrufffederal.comFDIC 29238 · Woodruff, South Carolina 59 Gated 32
Strasburg State Bank strasburgstatebank.comFDIC 17922 · Strasburg, North Dakota 56 No 7
Ascent Bank ascentbank.comFDIC 20162 · Helena, Montana 59 No 31
Owingsville Banking Company bankobc.com;www.bankobc.netFDIC 9672 · Owingsville, Kentucky 33 Gated 1
Hawaii hawaiifcu.orgNCUA 2403 · Honolulu, HI 48 Gated 32
The Glen Burnie Mutual Savings Bank no website on recordFDIC 27567 · Glen Burnie, Maryland; no web address reported to the FDIC — No —
Ko`Olau koolaufcu.orgNCUA 8435 · Kailua, HI 61 No 32
The First National Bank of Lacon fnblacon.comFDIC 3688 · Lacon, Illinois 53 No 32
American Exchange Bank americanexchange.bankFDIC 428 · Henryetta, Oklahoma 56 No 31
Four Seasons fourseasonsfcu.comNCUA 16479 · Opelika, AL 65 No 1
Citizens State Bank and Trust Company csbkansas.comFDIC 5830 · Hiawatha, Kansas 52 Gated 32
The International Bank of Amherst ibamherst.comFDIC 14907 · Amherst, Wisconsin 33 Gated 1
Windthorst windthorstfcu.orgNCUA 16373 · Windthorst, TX 26 Gated 32
Marin County marincu.orgNCUA 15659 · San Rafael, CA 60 No 32
Community Bank Owatonna cbowatonna.comFDIC 57468 · Owatonna, Minnesota 28 Gated 1
Auburn Savings Bank, FSB auburnsavings.comFDIC 28288 · Auburn, Maine 56 No 32
Bar Harbor Savings and Loan Association bhsla.comFDIC 30878 · Bar Harbor, Maine 45 Gated 29
Connect Credit Union connectcu.orgNCUA 67342 · Fort Lauderdale, FL 68 No 32
I AM iamfedcu.orgNCUA 24670 · New York, NY 48 No 1
Advantage Financial advfcu.orgNCUA 16416 · Washington, DC 59 No 32
Security State Bank bankwithsecurity.comFDIC 16448 · Alexandria, South Dakota 57 No 19
Archer Cooperative archerccu.comNCUA 66270 · Archer, NE 49 No 32
McBryde mcbrydefcu.orgNCUA 2713 · Eleele, HI 63 No 5
Community Star commstar.orgNCUA 95008 · Elyria, OH 61 No 32
Glendale glendalefcu.orgNCUA 7557 · Glendale, CA 59 No 32
Credit Union of Dodge City cudodge.comNCUA 67856 · Dodge City, KS 56 No 1
California Pacific Bank calpacificbank.comFDIC 23242 · Hayward, California 55 No 32
Crossroads Financial crossroadsfcu.orgNCUA 7002 · Portland, IN 58 No 32
Commodore Perry commodoreperryfcu.comNCUA 21873 · Oak Harbor, OH 33 Gated 1
Greater Chautauqua greatercfcu.comNCUA 3759 · Falconer, NY 60 No 32
Gunnison Savings and Loan Association gunnisonsl.comFDIC 30388 · Gunnison, Colorado 51 No 25
The Citizens National Bank of McConnelsville cnbmoco.comFDIC 6638 · Mcconnelsville, Ohio 54 Gated 31
Timberland timberlandfcu.orgNCUA 21413 · Dubois, PA 46 Gated 32
The First National Bank of Hebbronville fnbhebb.comFDIC 3248 · Hebbronville, Texas 48 No 1
Northern State Bank of Virginia nsbov.comFDIC 19589 · Virginia, Minnesota 52 No 32
Black River Country Bank brcbank.comFDIC 15152 · Black River Falls, Wisconsin 49 Gated 32
Cannon cannonfcu.orgblockedNCUA 7822 · Clovis, NM; not measured: HTTP 403 — No —
Sterling United sufcu.orgNCUA 11273 · Evansville, IN 48 No 1
Compass compassfcu.comNCUA 17665 · Oswego, NY 71 No 29
United Orient Bank no website on recordFDIC 23373 · New York, New York; no web address reported to the FDIC — No —
Serve servecu.orgNCUA 65150 · Des Moines, IA 51 Gated 32
The Kansas State Bank Overbrook Kansas theksb.comFDIC 1865 · Overbrook, Kansas 33 Gated 1
Indianhead indianheadcu.orgblockedNCUA 66434 · Spooner, WI; not measured: HTTP 401 (Cloudflare) — No —
Midland midlandcu.orgNCUA 61918 · Urbandale, IA 54 Gated 32
Century Bank of Florida centurybk.comblockedFDIC 35558 · Tampa, Florida; not measured: HTTP 403 — No —
The Bank of Milan bankofmilan.netFDIC 33851 · Milan, Tennessee 54 No 31
Compass compasscu.comNCUA 62040 · Sparta, MI; the reported address pointed at a page, the site root is scanned 51 Gated 32
One Community onecommunityfcu.netNCUA 12143 · Parkersburg, WV 51 Gated 1
Common Trust commontrustfcu.orgNCUA 17847 · Woburn, MA 55 No 32
The Gerber State Bank gerberstatebank.comFDIC 899 · Argenta, Illinois 48 Gated 32
Tewksbury tewksburyfcu.comNCUA 13926 · Tewksbury, MA 49 No 32
Gardiner gardinerfcu.orgNCUA 8367 · Gardiner, ME 57 Gated 32
Dedicated Community Bank dcbsc.comblockedFDIC 26588 · Darlington, South Carolina; not measured: HTTP 403 — No —
Railroad railroadccu.comNCUA 68688 · Irondale, AL 71 No 15
Healthcare First Credit Union healthcarefirstcu.comblockedNCUA 65013 · Johnstown, PA; not measured: HTTP 403 — No —
West Plains Savings and Loan Association westplainssavingsandloan.comFDIC 31329 · West Plains, Missouri 64 No 15
First State Bank fsbvalliant.comFDIC 12757 · Valliant, Oklahoma 57 No 31
Bank of the Mountains, Inc. bankofthemountains.comFDIC 21219 · West Liberty, Kentucky 51 Gated 1

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