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 5,801–5,900 of 8,519 · page 59 of 86

SiteScore GatedPages read Report
Bayou bayoufcu.orgNCUA 9931 · Baton Rouge, LA 52 No 1
Odin State Bank odinstatebank.comFDIC 14574 · Odin, Minnesota 53 No 1
Washington Area Teachers watfcu.orgNCUA 13035 · Washington, PA 48 Gated 32
Sunnyside Federal Savings and Loan Association of Irvington sunnysidefederal.comFDIC 28805 · Irvington, New York 73 No 32
Armstrong Associates myaafcu.comNCUA 12438 · Ford City, PA 55 No 32
Kemba Indianapolis mykemba.orgNCUA 82793 · Indianapolis, IN 59 No 32
Valley Oak valleyoak.orgNCUA 64122 · Three Rivers, CA 39 No 32
Westport westport.orgNCUA 7652 · Westport, MA 53 No 32
Baton Rouge Fire Department brfdfcu.comNCUA 1257 · Baton Rouge, LA 48 No 1
First State Bank fsbtahlequah.comFDIC 22448 · Tahlequah, Oklahoma 56 No 32
Forrit forritcu.orgNCUA 64103 · Clackamas, OR 69 No 32
Uark uarkfcu.comNCUA 16946 · Fayetteville, AR 68 No 32
Allcom allcomcu.orgNCUA 67599 · Worcester, MA 49 Gated 32
American State Bank of Grygla asbgrygla.comFDIC 22263 · Grygla, Minnesota 45 No 1
B-M S bmsfcu.orgNCUA 9146 · New Brunswick, NJ 53 No 32
State Bank of Cold Spring statebankcoldspring.comFDIC 12444 · Cold Spring, Minnesota 59 No 12
Atascosa Bank atascosabank.comblockedFDIC 24064 · Pleasanton, Texas; not measured: HTTP 403 — No —
Farmers State Bank of Canton cantonfarmersstatebank.comFDIC 11133 · Canton, South Dakota 46 No 1
The Bank of Bourbonnais bankofbourbonnais.bankFDIC 21635 · Bourbonnais, Illinois 33 Gated 1
Nikkei nikkeicu.orgNCUA 65059 · Gardena, CA 54 Gated 32
Lake Huron lhcu.orgNCUA 61638 · Saginaw, MI 62 No 32
The Bank of Commerce bkofcommerce.comFDIC 1374 · White Castle, Louisiana 66 No 32
Pittsburgh Firefighters' pghffcu.orgNCUA 234 · Pittsburgh, PA 56 Gated 27
Clarkson Bank clarksonbank.comblockedFDIC 14581 · Clarkson, Nebraska; not measured: HTTP 403 — No —
Nashville Post Office npocu.orgblockedNCUA 67922 · Nashville, TN; not measured: HTTP 403 — No —
First Federal Savings and Loan Association firstfederalhazard.comFDIC 31197 · Hazard, Kentucky 53 No 1
The Atlanta National Bank theatlantanationalbank.comFDIC 3601 · Atlanta, Illinois 58 Gated 32
CerescoBank cerescobank.comFDIC 1993 · Ceresco, Nebraska 54 No 1
First Security Bank of Deer Lodge 1stsecuritydl.comFDIC 20657 · Deer Lodge, Montana 47 Gated 9
Fannin fannincu.comNCUA 17254 · Bonham, TX 46 Gated 31
Muskegon muskfedcu.comNCUA 7509 · Muskegon, MI 71 No 32
Rio Grande riograndefcu.orgNCUA 3963 · Grand Junction, CO 46 Gated 22
Citizens State Bank csbanton.comFDIC 16581 · Anton, Texas 50 Gated 32
Rails West railswestcu.orgNCUA 490 · Pocatello, ID 57 No 15
Baylor Health Care System bhcscu.comNCUA 67544 · Dallas, TX 56 Gated 32
CBW Bank cbwbank.comFDIC 13959 · Weir, Kansas 65 No 1
Timberline timberlinefcu.orgNCUA 11678 · Crossett, AR 52 No 32
Hustisford State Bank hustisfordstatebank.comFDIC 12354 · Hustisford, Wisconsin 42 Gated 1
Farmers and Merchants Bank fmbankarnett.comFDIC 13415 · Arnett, Oklahoma 58 Gated 18
Camc camcfcu.comNCUA 22657 · Charleston, WV 64 No 32
State Bank of Eagle Butte statebankofeaglebutte.comFDIC 18145 · Eagle Butte, South Dakota 67 No 19
The Howard State Bank, Howard, Kansas howardstatebank.comFDIC 4693 · Howard, Kansas 46 No 16
Cal State L.a. calstatela-fcu.orgNCUA 14499 · Los Angeles, CA 60 No 32
The Citizens State Bank at Mohall csbmsl.comFDIC 8632 · Mohall, North Dakota 61 No 1
Kinmundy Bank kinmundybank.comFDIC 3805 · Kinmundy, Illinois 53 No 1
The City National Bank of San Saba cnbss.comblockedFDIC 5518 · San Saba, Texas; not measured: HTTP 403 (CloudFront) — No —
Metro mcu.orgNCUA 21326 · Arlington Heigh, IL 63 No 32
Sonoma sonomafed.comNCUA 14415 · Santa Rosa, CA 47 No 7
Railroad Employees recu.orgNCUA 62841 · Belen, NM 57 No 1
Castparts Employees castpartsfcu.orgNCUA 11905 · Portland, OR 57 No 32
Cranston Municipal Employees cmecreditunion.orgNCUA 60780 · Cranston, RI 44 Gated 32
Dillon dilloncu.comNCUA 67730 · Hutchinson, KS 49 Gated 32
Clearway diamondlakesfcu.orgNCUA 13762 · Malvern, AR 54 No 29
Eastmill eastmillfcu.orgNCUA 9518 · East Millinocke, ME 46 No 31
Harvester Financial harvesterfcu.orgNCUA 68584 · Indianapolis, IN 28 Gated 1
Beardstown Savings s.b. beardstownsavings.comFDIC 30043 · Beardstown, Illinois 49 No 27
The First National Bank in Falfurrias fnbfal.comFDIC 14095 · Falfurrias, Texas 61 No 16
Enbright enbrightcu.comNCUA 68148 · Nashville, TN 52 No 32
Thornapple thornapplecu.comNCUA 62196 · Hastings, MI 55 No 31
Westedge westedgecu.orgNCUA 8113 · Bellingham, WA 58 No 32
Your Legacy yourlegacyfcu.comNCUA 7674 · Tiffin, OH 26 Gated 1
Credit Union of Atlanta cuatlanta.orgNCUA 67383 · Atlanta, GA 63 No 32
Washington State Bank washingtonstatebank.comFDIC 16667 · Washington, Illinois 56 No 27
Bank of Ontario myvernoncountybank.comFDIC 21085 · Ontario, Wisconsin 44 No 28
Zavala County Bank no website on recordFDIC 15105 · Crystal City, Texas; no web address reported to the FDIC — No —
G.A.P. gapfcu.orgNCUA 2405 · Johnstown, PA 55 Gated 32
Highland Federal Savings and Loan Association highlandfederal.comFDIC 31232 · Crossville, Tennessee 46 Gated 30
McClave State Bank mcclavebank.comFDIC 11261 · Mcclave, Colorado 33 Gated 1
Sloan State Bank sloanstatebank.comFDIC 8507 · Sloan, Iowa 47 Gated 32
Hawaii Schools hawaiischoolsfcu.orgNCUA 1785 · Honolulu, HI 67 No 31
Postcity Financial postcitycu.orgNCUA 86063 · Long Beach, CA 71 No 32
Kahului kahuluifcu.comNCUA 10399 · Kahului, HI 53 Gated 23
Amory First Savings And Loan Bank, Ssb amoryfederal.comFDIC 28949 · Amory, Mississippi 55 No 1
Norstar norstarfcu.comNCUA 4951 · Britton, SD 48 Gated 27
Select Employees selectcu.comNCUA 60531 · Sterling, IL 55 No 31
Commonwealth National Bank ecommonwealthbank.comFDIC 22229 · Mobile, Alabama 64 No 23
Galion Building and Loan Bank gblbank.comFDIC 32307 · Galion, Ohio 52 Gated 32
First Tri County Bank ftcb1.comFDIC 8333 · Swanton, Nebraska 52 No 32
First State Bank of Olmsted firststatebank-olmsted.comblockedFDIC 10437 · Olmsted, Illinois; not measured: HTTP 403 — No —
Pavillion Bank pavillionbank.comblockedFDIC 24303 · Richardson, Texas; not measured: HTTP 403 — No —
The First National Bank of Ava fnbava.bankFDIC 3761 · Ava, Illinois 62 No 17
First National Bank of South Padre Island fnbspi.comFDIC 24902 · South Padre Island, Texas 63 No 32
Five Rivers Bank fiveriversbank.comFDIC 59345 · Paramus, New Jersey 59 No 32
A.c.p.e. acpefcu.comNCUA 11867 · Laramie, WY 41 Gated 32
Bank of Evergreen thebankofevergreen.comFDIC 49 · Evergreen, Alabama 62 No 23
Blair County blairctyfcu.orgNCUA 8831 · Altoona, PA 57 Gated 32
Sherwood Community Bank sherwoodbank.comFDIC 1612 · Creighton, Missouri 53 No 31
Citizens Savings Bank citizenssavingsbank.comblockedFDIC 14785 · Marshalltown, Iowa; not measured: HTTP 403 — No —
Columbine columbinefcu.orgNCUA 11548 · Centennial, CO 62 Gated 32
Des Moines Metro dmmcu.orgNCUA 64380 · Des Moines, IA 45 Gated 32
The First National Bank of Blanchester fnbblanchester.comFDIC 6530 · Blanchester, Ohio 56 Gated 24
Educational Community educationalccu.orgNCUA 62589 · Springfield, MO 48 No 1
New York University nyufcu.comNCUA 23958 · New York, NY 66 No 32
Citizens National Bank of Crosbyton cnbcrosbyton.comblockedFDIC 3158 · Crosbyton, Texas; not measured: HTTP 403 (CloudFront) — No —
Marseilles Bank marseillesbank.comFDIC 16318 · Marseilles, Illinois 66 No 24
Bay Cities baycities.orgNCUA 68316 · Hayward, CA 46 Gated 32
Eaton Family eatonfamilycu.comNCUA 68354 · Euclid, OH 55 No 32
Redemption Bank redemptionbank.comFDIC 21448 · Salt Lake City, Utah 48 Gated 14
Miami University Community muccu.orgNCUA 19678 · Oxford, OH 55 No 17
Ficare ficarefcu.orgNCUA 13902 · Wesley Chapel, FL 47 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