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 501–600 of 8,519 · page 6 of 86

SiteScore GatedPages read Report
Colony Bank colony.bankFDIC 22257 · Fitzgerald, Georgia 62 Gated 32
First Community Bank firstcommunitybank.comFDIC 13012 · Bluefield, Virginia 53 No 32
Home Bank, National Association home24bank.comFDIC 28094 · Lafayette, Louisiana 58 No 32
Indiana Members imcu.orgNCUA 68259 · Indianapolis, IN 57 No 1
Southern Energy southernenergycu.orgNCUA 62728 · Birmingham, AL 56 Gated 32
Provident providentcu.orgNCUA 66343 · Redwood City, CA 47 Gated 32
Manasquan Bank manasquanbank.comFDIC 30470 · Manasquan, New Jersey 53 Gated 1
SouthEast Bank southeastbank.comFDIC 57348 · Farragut, Tennessee 55 No 32
Dupaco Community dupaco.comNCUA 64049 · Dubuque, IA 28 Gated 1
Old Plank Trail Community Bank, National Association oldplanktrailbank.comblockedFDIC 58314 · New Lenox, Illinois; not measured: HTTP 406 — No —
Elevations elevationscu.comblockedNCUA 68565 · Boulder, CO; not measured: HTTP 403 — No —
MVB Bank, Inc mvbbanking.comblockedFDIC 34603 · Fairmont, West Virginia; not measured: HTTP 403 — No —
Bank of Ann Arbor bankofannarbor.comblockedFDIC 34120 · Ann Arbor, Michigan; not measured: HTTP 403 (Cloudflare) — No —
First Farmers Bank & Trust Co. ffbt.comFDIC 12839 · Converse, Indiana 57 No 32
Coastal1 coastal1.orgblockedNCUA 67278 · Pawtucket, RI; not measured: HTTP 403 (Cloudflare) — No —
The Farmers & Merchants State Bank fm.bankFDIC 5969 · Archbold, Ohio 48 No 1
Cache Valley Bank cachevalleybank.comFDIC 22134 · Logan, Utah 66 No 32
Ponce Bank, National Association poncebank.comFDIC 31189 · Bronx, New York 53 No 32
California Coast calcoastcu.orgNCUA 66584 · San Diego, CA 54 No 32
Banco do Brasil Americas bbamericas.comFDIC 26725 · Miami, Florida 68 No 32
PCB Bank mypcbbank.comFDIC 57463 · Los Angeles, California 68 No 32
Bankwell Bank mybankwell.comFDIC 57368 · New Canaan, Connecticut 51 No 16
First Carolina Bank firstcarolinabank.comFDIC 35530 · Rocky Mount, North Carolina 70 No 32
Sound soundcu.comNCUA 66331 · Tacoma, WA 66 No 32
Whatcom Educational wecu.comNCUA 66373 · Bellingham, WA 42 No 32
Northrim Bank northrim.comFDIC 33216 · Anchorage, Alaska 26 Gated 1
First Dakota National Bank firstdakota.comFDIC 4028 · Yankton, South Dakota 62 No 32
Fox Communities foxcu.orgblockedNCUA 66731 · Appleton, WI; not measured: HTTP 403 (Cloudflare) — No —
Northern Bank & Trust Company nbtc.comFDIC 18266 · Woburn, Massachusetts 74 No 32
Banterra Bank banterra.bankFDIC 17514 · Marion, Illinois 48 Gated 32
Usalliance usalliance.orgNCUA 17587 · Rye, NY 60 No 32
Lake Ridge Bank lakeridge.bankFDIC 15091 · Middleton, Wisconsin 66 No 32
Libertyville Bank & Trust Company, National Association libertyvillebank.comblockedFDIC 34073 · Libertyville, Illinois; not measured: HTTP 406 — No —
Vantage West vantagewest.orgblockedNCUA 68558 · Tucson, AZ; not measured: HTTP 403 (Cloudflare) — No —
Austin Bank, Texas National Association austinbank.comFDIC 3276 · Jacksonville, Texas 57 No 32
Premier America premieramerica.comblockedNCUA 68428 · Chatsworth, CA; not measured: HTTP 403 (Cloudflare) — No —
Red River Bank redriverbank.netFDIC 34980 · Alexandria, Louisiana 65 No 32
BankFirst Financial Services bankfirstfs.comFDIC 8870 · Columbus, Mississippi 57 No 32
ACNB Bank acnb.comblockedFDIC 7506 · Gettysburg, Pennsylvania; not measured: HTTP 403 — No —
Metro metrocu.orgNCUA 66364 · Chelsea, MA 70 No 32
Union Savings Bank unionsavings.comFDIC 18190 · Danbury, Connecticut 77 No 32
Fidelity Bank, National Association fidelitybank.comFDIC 30895 · Wichita, Kansas 56 No 32
Oakstar Bank oakstarbank.comFDIC 58115 · Springfield, Missouri 61 No 32
Lone Star National Bank lonestarnationalbank.comFDIC 24347 · Pharr, Texas 60 Gated 32
WestStar Bank weststarbank.comFDIC 32941 · El Paso, Texas 59 No 32
Stearns Bank National Association stearnsbank.comFDIC 10988 · Saint Cloud, Minnesota 50 No 32
Bristol County Savings Bank bristolcountysavings.comblockedFDIC 23622 · Taunton, Massachusetts; not measured: HTTP 403 (Cloudflare) — No —
Georgia Banking Company georgiabanking.comFDIC 57071 · Atlanta, Georgia 64 No 32
Rivermark Community rivermarkcu.orgNCUA 65644 · Oregon City, OR 61 No 32
Tennessee Valley tvfcu.comNCUA 1520 · Chattanooga, TN 61 No 32
Achieva Credit Union achievacu.comNCUA 60087 · Dunedin, FL 53 Gated 32
First Western Trust Bank myfw.comFDIC 57607 · Denver, Colorado 57 No 32
Bank of Guam bankofguam.comFDIC 20884 · Hagatna, Guam 68 No 32
Eastrise eastrise.comNCUA 19263 · Williston, VT 72 No 32
STAR Financial Bank starfinancial.comFDIC 27235 · Fort Wayne, Indiana 56 No 32
Chartway chartway.comNCUA 13242 · Virginia Beach, VA 66 No 32
Academy Bank, National Association academybank.comFDIC 19600 · Kansas City, Missouri 63 No 32
Community First Credit Union of Flo communityfirstfl.orgNCUA 67290 · Jacksonville, FL 28 Gated 1
North American Savings Bank, F.S.B. nasb.comFDIC 29708 · Grandview, Missouri 63 No 16
First Citizens Community Bank firstcitizensbank.comFDIC 7593 · Mansfield, Pennsylvania 62 No 32
Exchange Bank exchangebank.comFDIC 8468 · Santa Rosa, California 73 No 32
Bank of Greene tbogc.comFDIC 21591 · Catskill, New York 50 Gated 1
Unity Bank unitybank.comFDIC 33503 · Clinton, New Jersey 28 Gated 1
First National Bank thefirst.comFDIC 4256 · Damariscotta, Maine 60 No 32
1st Security Bank of Washington fsbwa.comFDIC 57633 · Mountlake Terrace, Washington 57 Gated 32
Monet Bank monet.bankFDIC 32574 · Plano, Texas 58 No 23
Arkansas afcu.orgblockedNCUA 10920 · Little Rock, AR; not measured: HTTP 403 — No —
Farmers Bank & Trust Company myfarmers.bankFDIC 1291 · Magnolia, Arkansas 51 No 32
F & A fafcu.orgNCUA 1493 · Monterey Park, CA 67 No 32
Centreville Bank centrevillebank.comFDIC 17764 · West Warwick, Rhode Island 57 No 32
Citizens & Northern Bank cnbankpa.comblockedFDIC 7799 · Wellsboro, Pennsylvania; not measured: HTTP 403 (Cloudflare) — No —
Altra altra.orgNCUA 24077 · Onalaska, WI 57 No 1
Harborstone harborstone.comNCUA 66399 · Tacoma, WA 70 No 32
Amboy Bank amboybank.comFDIC 6423 · Old Bridge, New Jersey 51 Gated 32
BCB Community Bank bcb.bankFDIC 35541 · Bayonne, New Jersey 57 No 32
GTE gtefinancial.orgNCUA 196 · Tampa, FL 64 No 32
UniBank for Savings unibank.comFDIC 90290 · Whitinsville, Massachusetts 48 Gated 32
Eglin eglinfcu.orgNCUA 9788 · Fort Walton Bea, FL 56 No 32
Orange County's orangecountyscu.orgNCUA 24981 · Santa Ana, CA 43 Gated 32
First Community fccu.orgNCUA 66818 · Houston, TX 46 No 1
Civic civicfcu.orgNCUA 24003 · Raleigh, NC 28 Gated 1
Penn Community Bank penncommunitybank.comFDIC 30401 · Doylestown, Pennsylvania 48 No 1
CB&S Bank, Inc. cbsbank.comFDIC 15310 · Russellville, Alabama 39 Gated 1
Midwest BankCentre midwestbankcentre.comFDIC 1058 · Lemay, Missouri 45 No 32
Guaranty Bank and Trust Company gbtonline.comFDIC 15953 · Belzoni, Mississippi 59 Gated 32
BankNewport banknewport.comFDIC 18129 · Middletown, Rhode Island 64 No 32
Lawrence Bank volunteer.bankFDIC 22451 · Nashville, Tennessee 51 No 32
The National Bank of Indianapolis nbofi.comFDIC 33860 · Indianapolis, Indiana 53 No 32
Mascoma Bank mascoma.bankFDIC 18013 · Lebanon, New Hampshire 62 Gated 32
Americu americu.orgNCUA 68433 · Rome, NY 54 No 32
The Bank of Tampa bankoftampa.comFDIC 21031 · Tampa, Florida 70 No 32
U. S. Century Bank uscentury.comFDIC 57369 · Doral, Florida 54 No 32
Southern Bancorp Bank banksouthern.comFDIC 1528 · Arkadelphia, Arkansas 54 Gated 32
Selco Community selco.orgNCUA 63196 · Springfield, OR 59 No 32
Northwest Bank nw.bankFDIC 32647 · Spencer, Iowa 56 No 32
Nelnet Bank nelnetbank.comFDIC 59205 · Draper, Utah 59 Gated 32
Susser Bank susserbank.comFDIC 34885 · Dallas, Texas 54 No 32
Hapo Community hapo.orgblockedNCUA 68239 · Richland, WA; not measured: HTTP 403 (Imperva) — No —
Maine Community Bank maine.bankFDIC 17741 · Portland, Maine 55 No 32
First Fidelity Bank ffb.comFDIC 23473 · Oklahoma City, Oklahoma 47 No 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