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 5,701–5,800 of 8,519 · page 58 of 86

SiteScore GatedPages read Report
FNB Washington fnbwashington.comFDIC 4792 · Washington, Kansas 53 No 1
First State Bank of Michigan fsbdecatur.comFDIC 12893 · Decatur, Michigan 28 Gated 1
The First National Bank of Manning fnbmanning.comFDIC 4477 · Manning, Iowa 53 No 1
Bank of Stronghurst bankofstronghurst.comFDIC 16413 · Stronghurst, Illinois 61 No 29
Southwest Research Center swrcfcu.comNCUA 10913 · San Antonio, TX 42 No 32
First National Bank of Wauchula fnbwauchula.comblockedFDIC 18136 · Wauchula, Florida; not measured: HTTP 403 — No —
First Bank of Pike firstbankofpike.comFDIC 9070 · Zebulon, Georgia 53 No 32
Smw Financial smwfcu.comNCUA 68676 · Lino Lakes, MN 63 No 1
T M H tmhfcu.orgNCUA 15175 · Tallahassee, FL 45 Gated 32
Basile State Bank basilebank.comblockedFDIC 17621 · Basile, Louisiana; not measured: HTTP 403 — No —
Front Royal frontroyalfcu.orgNCUA 6084 · Front Royal, VA 58 No 32
F & M Bank and Trust Company fmbankandtrust.comblockedFDIC 16916 · Manchester, Georgia; not measured: HTTP 403 — No —
Riverbank riverbankfcu.comNCUA 3757 · Windsor Locks, CT 40 No 32
First Security State Bank fssbonline.comFDIC 18508 · Evansdale, Iowa 57 No 28
Bank of Elgin bankofelgin.comFDIC 16154 · Elgin, Nebraska 28 Gated 1
Radius radiusfcu.comNCUA 24715 · Kenmore, NY 58 No 32
First Education firstedfcu.comNCUA 5465 · Cheyenne, WY 61 No 32
Bank of Eufaula bankofeufaula.comFDIC 4094 · Eufaula, Oklahoma 54 Gated 20
The Four County Bank thefourcountybank.comblockedFDIC 15904 · Allentown, Georgia; not measured: HTTP 403 — No —
North Cambridge Co-operative Bank asknccb.comFDIC 26567 · Cambridge, Massachusetts 55 Gated 32
Scribner Bank scribnerbank.comblockedFDIC 14026 · Scribner, Nebraska; not measured: HTTP 403 — No —
Angelina Savings Bank, SSB angelinabank.comFDIC 32018 · Lufkin, Texas 58 Gated 1
Public Service #3 mypscu.comNCUA 64275 · Fort Wayne, IN 51 Gated 32
First State Bank of Randolph County no website on recordFDIC 2157 · Cuthbert, Georgia; no web address reported to the FDIC — No —
Susquehanna Valley svfcu.orgNCUA 18242 · Camp Hill, PA 64 Gated 31
The Watkins Savings Bank watkinsbank.comFDIC 18071 · Watkins, Iowa 65 No 7
Domino dominofcu.comNCUA 21383 · Texarkana, TX 56 No 28
Paramount Bank paramountbank.comFDIC 57884 · Hazelwood, Missouri 69 No 32
Tustin Community Bank tustin.bankFDIC 32908 · Tustin, California 52 Gated 9
Greater Kentucky Cu, Inc. gtkycu.comNCUA 62228 · Lexington, KY 57 No 32
Farmers and Merchants State Bank of Bushnell bushnellbank.comblockedFDIC 11324 · Bushnell, Illinois; not measured: HTTP 403 — No —
U. S. Employees usecuweb.comNCUA 66372 · Tomball, TX 60 No 32
Spokane Firefighters firecu.netNCUA 68205 · Spokane, WA 40 Gated 28
The First State Bank of Red Wing firststatebankredwing.comFDIC 8191 · Red Wing, Minnesota 48 No 1
Pwc Employees pwcecu.orgNCUA 24971 · Woodbridge, VA 51 Gated 28
The Farmers State Bank fsbks.bankFDIC 15258 · Holton, Kansas 64 No 31
Peoples Bank thepeoplesbankla.comblockedFDIC 9328 · Chatham, Louisiana; not measured: HTTP 403 (CloudFront) — No —
The First National Bank of Gilbert gilbertbank.comFDIC 5150 · Gilbert, Minnesota 56 No 32
Southwest Bank of Weatherford swnbank.comFDIC 4076 · Weatherford, Oklahoma 56 No 1
Forward Financial forwardfinancialcu.comNCUA 66798 · Niagara, WI 52 No 14
Villa Grove State Bank villagrovestatebank.comFDIC 9273 · Villa Grove, Illinois 65 No 32
Union Building Trades ubtfcu.orgNCUA 21244 · Parsippany, NJ 54 No 32
Irving City Employees icefcu.comNCUA 24481 · Irving, TX 50 Gated 31
Volt voltcu.orgNCUA 63389 · Springfield, MO 59 No 32
Rochelle State Bank rochellestatebank.comFDIC 16609 · Rochelle, Georgia 33 Gated 1
Power Co-Op Employees powercoopcu.comNCUA 61920 · Humboldt, IA 48 No 1
Western Dakota Bank westerndakotabank.comFDIC 492 · Timber Lake, South Dakota 41 Gated 10
Bank of Maple Plain bankofmapleplain.comblockedFDIC 9332 · Maple Plain, Minnesota; not measured: HTTP 403 (CloudFront) — No —
Jamestown Area Community jacfcu.orgNCUA 3551 · Jamestown, NY 45 No 1
Gundersen gundersencu.orgNCUA 66477 · La Crosse, WI 45 Gated 30
Credit Union for Robertson County tcurc.orgNCUA 67741 · Springfield, TN 44 Gated 32
Southwest Financial swfinancial.orgNCUA 15327 · Farmers Branch, TX 54 No 32
Bank of Hancock County bankofhancock.comblockedFDIC 10057 · Sparta, Georgia; not measured: HTTP 403 — No —
Postel Family postelcu.comNCUA 67554 · Wichita Falls, TX 54 No 22
Sabattus Regional srcu4u.comNCUA 64062 · Sabattus, ME 51 Gated 32
First Security Bank - Canby firstsecuritybanks.comFDIC 5107 · Canby, Minnesota 68 No 32
Carolina carolinafcu.orgNCUA 19788 · Cherryville, NC 44 No 1
Shore to Shore Community shore2shorecu.comNCUA 8349 · Trenton, MI 53 Gated 32
Gnc Community gncfcu.comNCUA 1542 · New Castle, PA 45 No 1
Vantage Bank vantagebankmn.comFDIC 9733 · Kent, Minnesota 59 No 32
Fond Du Lac fdlcu.comNCUA 67176 · Fond Du Lac, WI 47 No 32
The First National Bank of Peterstown fnbp.comFDIC 6787 · Peterstown, West Virginia 73 No 1
Lower East Side People's lespeoples.orgNCUA 24232 · New York, NY 46 Gated 32
The Pleasants County Bank pcbsm.comblockedFDIC 847 · Saint Marys, West Virginia; not measured: HTTP 403 — No —
The Farmers State Bank fsbwathena.comFDIC 16941 · Wathena, Kansas 51 No 1
South Central southcentralcu.orgNCUA 62143 · Jackson, MI 50 Gated 32
AllNations Bank allnations.bankblockedFDIC 4051 · Calumet, Oklahoma; not measured: HTTP 403 — No —
Honolulu Fire Department hfdfcu.orgNCUA 1880 · Honolulu, HI 56 No 32
Dakota Plains dakotaplainsfcu.comNCUA 11526 · Lemmon, SD 39 Gated 32
City cityfederalcu.comNCUA 5665 · Amarillo, TX 51 No 32
Curis Financial curisfinancial.orgNCUA 61260 · Columbia, SC 66 No 32
The First State Bank fsbnesscity.comFDIC 10503 · Ness City, Kansas 53 No 1
Independence State Bank independencestatebank.comFDIC 10741 · Independence, Wisconsin 61 No 32
Memorial memorialcu.orgNCUA 62571 · Houston, TX 46 No 1
Mayville Savings Bank mayvillesavings.comFDIC 30585 · Mayville, Wisconsin 28 Gated 1
Great Meadow greatmeadowfcu.orgNCUA 11402 · Hudson Falls, NY 54 Gated 32
Lowry State Bank lowrystate.bankFDIC 10202 · Lowry, Minnesota 57 No 32
The Covington Savings and Loan Association covingtonsavingsandloan.comFDIC 28063 · Covington, Ohio 40 Gated 32
State Police Credit Union Inc. cspcu.orgNCUA 60048 · Meriden, CT 46 No 31
Mid-Kansas mkcu.coopNCUA 60906 · Moundridge, KS 33 Gated 1
The Bank of Edison bankofedison.comblockedFDIC 5686 · Edison, Georgia; not measured: HTTP 403 — No —
Triboro Postal tpfcu.netNCUA 119 · Flushing, NY 56 No 11
Primesource primesourcecu.orgNCUA 67911 · Spokane, WA 47 Gated 31
Calcom calcomcu.orgNCUA 18623 · Long Beach, CA 52 Gated 1
The First Bank of Celeste fbceleste.comblockedFDIC 3133 · Celeste, Texas; not measured: HTTP 403 — No —
Farmers & Merchants State Bank of New York Mills, Incorporated fmbanknym.comFDIC 9340 · New York Mills, Minnesota 48 Gated 21
Dynamic dynamicfcu.comNCUA 6747 · Celina, OH 69 No 32
The First National Bank of Hope fnbks.comFDIC 4690 · Hope, Kansas 53 No 32
Peoples Bank of Moniteau County pbomc.comFDIC 15792 · Jamestown, Missouri 53 No 1
Limestone Financial limestonefcu.comNCUA 68743 · Manistique, MI 66 No 32
The First Bank and Trust Company of Murphysboro fb-t.comblockedFDIC 3818 · Murphysboro, Illinois; not measured: HTTP 403 — No —
Revity revityfcu.orgNCUA 24840 · Greensboro, NC 51 Gated 32
Farmers Bank of Lohman, Missouri farmersbankoflohman.comFDIC 8268 · Jefferson City, Missouri 45 No 1
1St Mississippi 1stms.comNCUA 21073 · Meridian, MS 54 No 32
Tri-Valley Bank tri-valleycenters.comFDIC 12417 · Randolph, Iowa 53 No 1
Rva Financial rvafinancial.comNCUA 6878 · Richmond, VA 60 No 32
Metro Medical mmcu.comNCUA 67517 · Dallas, TX 71 No 32
Technicolor technicolorfcu.orgNCUA 8230 · Burbank, CA 53 Gated 32
OU oufcu.comNCUA 9335 · Norman, OK 38 No 1
California Community caccu.orgNCUA 68321 · Sacramento, CA 48 Gated 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