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 5,501–5,600 of 8,519 · page 56 of 86

SiteScore GatedPages read Report
Currie State Bank curriestatebank.comFDIC 8833 · Currie, Minnesota 53 No 1
Peoples First Savings Bank peoplesfirstohio.comFDIC 30688 · Mason, Ohio 51 No 32
Community First cfcua.comNCUA 61094 · Ashtabula, OH 75 No 32
Integrity Bank integrityks.bankFDIC 13450 · Montezuma, Kansas 52 Gated 32
University of Toledo uoftfcu.comNCUA 16174 · Toledo, OH 71 No 30
Bank of Calhoun County bankofcalhouncounty.comFDIC 12549 · Hardin, Illinois 54 Gated 27
Universal universalfcu.comNCUA 785 · Huntington, WV 45 No 11
Concho Educators conchoeducators.orgNCUA 4684 · San Angelo, TX 57 No 32
Corner Post cornerpostfcu.orgNCUA 1172 · Wilkes Barre, PA 57 No 32
Texas Bridge txbcu.comNCUA 61306 · Corpus Christi, TX 49 No 32
Athol atholcreditunion.comNCUA 66819 · Athol, MA 72 No 32
Members Community memberscommunitycu.orgNCUA 62683 · Muscatine, IA 61 Gated 32
Sno Falls snofalls.comNCUA 68293 · North Bend, WA 50 Gated 32
Granco granco.orgNCUA 10904 · Ephrata, WA 57 No 28
Janesville State Bank janesvillestatebank.comFDIC 10960 · Janesville, Minnesota 47 Gated 20
VA Desert Pacific vadpfcu.orgNCUA 5530 · Long Beach, CA 58 No 32
Superior Savings Bank ss-bank.comFDIC 28790 · Superior, Wisconsin 48 No 1
Peoples Exchange Bank peb.bankFDIC 70 · Monroeville, Alabama 48 No 1
Citizens Bank & Trust Co. cbt-co.comFDIC 9777 · Marks, Mississippi 66 No 32
Bank of Walker County bankofwalkercounty.bankblockedFDIC 57640 · Jasper, Alabama; not measured: HTTP 403 — No —
Heritage USA heritage-usa.netNCUA 6434 · Midland, TX 44 No 32
Investors Community Bank my-investors.comFDIC 29093 · Chillicothe, Missouri 59 Gated 25
Bank419 metamorabank.comFDIC 16167 · Metamora, Ohio 42 Gated 3
The Farmers & Merchants Bank fmbal.comFDIC 1745 · Waterloo, Alabama 28 Gated 1
South Carolina National Guard scnationalguardfcu.orgNCUA 17636 · Columbia, SC 62 No 32
Tampa Postal tpcu.orgNCUA 4395 · Tampa, FL 54 No 5
Silex Banking Company silexbank.comFDIC 14178 · Silex, Missouri 52 Gated 31
Texas Dps txdpscu.orgNCUA 67511 · Austin, TX 40 Gated 32
Union Bank & Trust Company www,ubtconline.comFDIC 9179 · Livingston, Tennessee 33 Gated 1
Connects connectsfcu.orgNCUA 6670 · Richmond, VA 45 Gated 32
Ridgedale ridgedalefcu.orgNCUA 5419 · East Hanover, NJ 52 Gated 32
Unity Catholic unitycatholiccu.orgNCUA 4966 · Parma, OH 51 Gated 32
Edinburg Teachers etcu.coopNCUA 66366 · Edinburg, TX 63 No 20
Bank of Lindsay bankoflindsay.comblockedFDIC 19087 · Lindsay, Nebraska; not measured: HTTP 403 — No —
Tennessee Members 1St mymembersfirst.orgNCUA 5318 · Oak Ridge, TN 50 Gated 32
Fairfield fairfieldcreditunion.orgNCUA 12305 · Pine Bluff, AR 54 No 32
Journey journeycu.orgNCUA 64361 · Des Moines, IA 57 No 32
Community First Bank cfbwi.bankFDIC 12512 · Rosholt, Wisconsin 58 No 32
Afena afenafcu.orgNCUA 12153 · Marion, IN 52 No 32
The First National Bank of Osakis fnbosakis.comFDIC 5221 · Osakis, Minnesota 66 No 32
St. Pius X Church spxfcu.orgNCUA 18090 · Rochester, NY 56 No 32
Point West pointwestcu.comNCUA 63971 · Portland, OR 60 No 32
American Exchange Bank, Lindsay, Oklahoma no website on recordFDIC 2328 · Lindsay, Oklahoma; no web address reported to the FDIC — No —
United Security Bank unitedsecuritybankofmo.comFDIC 1427 · Fulton, Missouri 48 No 31
Genesis Bank no website on recordFDIC 15817 · Benoit, Mississippi; no web address reported to the FDIC — No —
Port Richmond Savings prsbank.comFDIC 27385 · Philadelphia, Pennsylvania 33 Gated 1
Bay Atlantic bayatlanticfcu.orgNCUA 3541 · Vineland, NJ 61 No 32
The First Central National Bank of St. Paris firststparis.comFDIC 15214 · St. Paris, Ohio 59 No 21
Bank47 bank-47.comFDIC 32968 · Huntsville, Alabama 59 No 32
Crossroads Community crcfcu.comNCUA 2508 · Cheektowaga, NY 59 Gated 32
Family First fam1st.comNCUA 61909 · Saginaw, MI 50 Gated 32
The Citizens State Bank of Cheney, Kansas csbcheneyks.comblockedFDIC 9658 · Cheney, Kansas; not measured: HTTP 403 — No —
The Miners National Bank of Eveleth mnbeveleth.comFDIC 5141 · Eveleth, Minnesota 57 No 32
Johnson State Bank johnsonstatebank.comFDIC 15237 · Johnson, Kansas 54 No 32
Mutual Federal Bank mutualfederalbank.comFDIC 28302 · Chicago, Illinois 45 No 19
Washington County Teachers wctfcu.netNCUA 6353 · Hagerstown, MD 53 No 32
First National Bank fnbrotan.comblockedFDIC 34455 · Rotan, Texas; not measured: HTTP 403 — No —
First Farmers & Merchants State Bank ffmbank.comFDIC 1600 · Brownsdale, Minnesota 56 No 32
The First National Bank of Germantown fnbgermantown.comFDIC 6592 · Germantown, Ohio 54 Gated 32
The Citizens State Bank and Trust Company extramilebank.comFDIC 15254 · Council Grove, Kansas 53 No 1
Wnc Community Cu wncccu.orgNCUA 66854 · Waynesville, NC 62 No 24
Lake Chem Community lakechemfcu.orgNCUA 20641 · Benton, KY 62 No 32
Santee Cooper Credit Union santeecoopercreditunion.NCUA 60745 · Moncks Corner, SC 33 Gated 1
First Class Community gofirstclass.orgNCUA 64231 · West Des Moines, IA 62 No 32
Lower Columbia Longshoremen lclfcu.orgNCUA 9289 · Longview, WA 51 Gated 12
The First National Bank of Johnson fnbjohnson.comFDIC 5422 · Johnson, Nebraska 47 Gated 32
Kingsport Press Cu kpcu.orgNCUA 68104 · Kingsport, TN 35 Gated 1
Policemen's policemensfcu.orgNCUA 18393 · South Bend, IN 49 Gated 32
The State wvpecu.orgNCUA 67222 · Charleston, WV 49 No 28
Lufthansa Emp. lhcu.comNCUA 20341 · Westbury, NY 56 No 20
Lawrenceburg Federal Bank lawrenceburgfederal.comblockedFDIC 29186 · Lawrenceburg, Tennessee; not measured: HTTP 403 — No —
Huron State Bank huronstatebank.comFDIC 23126 · Rogers City, Michigan 69 No 1
Armstrong County Building and Loan Association acbla.comFDIC 29471 · Ford City, Pennsylvania 33 Gated 1
Community Bank of Oelwein bankoelwein.comFDIC 34857 · Oelwein, Iowa 57 No 31
Baylands Family baylandsfcu.orgNCUA 68686 · West Point, VA 48 No 32
Home National Bank homenatlbank.comblockedFDIC 6680 · Racine, Ohio; not measured: HTTP 406 — No —
Citizens Bank of Cumberland County, Inc. cbcconline.comblockedFDIC 35442 · Burkesville, Kentucky; not measured: HTTP 403 — No —
Omaha Police opfcu.netNCUA 12319 · Omaha, NE 47 Gated 32
Farmers Bank farmers-bank.comFDIC 8661 · Parsons, Tennessee 52 No 32
Postal & Community yourpccu.orgNCUA 64145 · Saint Joseph, MO 56 No 13
Mayville State Bank mayvillestatebank.comFDIC 12899 · Mayville, Michigan 54 Gated 30
First State Bank of Harvey firstharvey.comFDIC 8383 · Harvey, North Dakota 59 No 16
Foothills foothillsfcu.orgNCUA 15015 · Loudon, TN 62 No 18
Riverside Savings Bank, SSB riversidesavings.comblockedFDIC 28314 · Roanoke Rapids, North Carolina; not measured: HTTP 403 — No —
First Security Bank of Roundup 1stsecurityroundup.comFDIC 20479 · Roundup, Montana 47 Gated 18
First Choice firstchoicefcu.comNCUA 8229 · New Castle, PA 33 Gated 32
Zellco zellcofcu.orgNCUA 871 · Bogalusa, LA 63 No 13
First Federal Savings Bank of Washington firstfederalwashington.comFDIC 29710 · Washington, Indiana 56 No 32
Ferguson fergusonfcu.orgNCUA 18515 · Monticello, MS 48 No 1
Freedom United freedomunitedfcu.comNCUA 3487 · Rochester, PA 57 No 1
Community Bank of Missouri communitybankmissouri.comFDIC 57141 · Richmond, Missouri 57 No 32
Williamsville State Bank & Trust wsbt.netFDIC 12388 · Williamsville, Illinois 28 Gated 1
Cooperative Teachers coopteachers.comNCUA 67576 · Tyler, TX 46 No 32
The Ottoville Bank Company ottovillebank.comFDIC 8403 · Ottoville, Ohio 65 No 31
Irco Community ircocu.comNCUA 17395 · Phillipsburg, NJ 65 No 1
MassMutual Private Wealth & Trust, FSB massmutualtrust.comFDIC 35394 · Springfield, Massachusetts 33 Gated 1
Members Choice Wv memberschoicewv.comNCUA 4969 · Charleston, WV 52 Gated 31
Torrington Municipal and Teachers tmtfcu.orgNCUA 14003 · Torrington, CT 45 Gated 14
Independent independentfcu.orgNCUA 24171 · Anderson, IN 64 No 32
Salem VA Medical Center salemvafcu.orgblockedNCUA 1127 · Salem, VA; not measured: HTTP 403 — 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