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 6,101–6,200 of 8,519 · page 62 of 86

SiteScore GatedPages read Report
United Employees unitedecu.comNCUA 60263 · Albert Lea, MN 46 Gated 2
The First National Bank of Okawville fnbokaw.comFDIC 3826 · Okawville, Illinois 48 Gated 22
Postal Family Credit Union, Inc. urmycu.comNCUA 97079 · Cincinnati, OH 33 Gated 1
Gp Louisiana gplafcu.comNCUA 19320 · Zachary, LA 51 No 28
United Equity uecu.comNCUA 81688 · Decatur, IL 54 No 32
Moline Municipal molinecu.orgNCUA 60186 · Moline, IL 49 No 23
Great Falls Regional greatfallsfcu.comNCUA 10221 · Lewiston, ME 49 Gated 32
Shell Western States swsfcu.orgNCUA 5484 · Martinez, CA 65 No 32
Summit National Bank summitnb.comFDIC 25054 · Hulett, Wyoming 62 No 32
Spokane City sccu.netNCUA 68283 · Spokane, WA 56 No 32
Florence ffcuonline.comNCUA 13167 · Florence, AL 48 Gated 32
Versailles Savings and Loan Company versaillessavingsbank.comFDIC 28703 · Versailles, Ohio 60 No 15
Dfcu Tulsa dfcutulsa.comNCUA 19355 · Tulsa, OK 54 No 5
Latimer State Bank no website on recordFDIC 22839 · Wilburton, Oklahoma; no web address reported to the FDIC — No —
City city-cu.comNCUA 67924 · Independence, MO 47 Gated 32
Southeastern Ohio southeasternohiocu.orgNCUA 96674 · Cambridge, OH 56 Gated 32
Emerald Coast emeraldcoastfcu.comNCUA 3388 · Port St Joe, FL 49 Gated 30
Superior Credit Union superiorcu.orgNCUA 60215 · Collegeville, PA 42 Gated 32
Destinations Credit Union destinationscu.orgNCUA 66333 · Baltimore, MD 73 No 32
1st Community Bank 1stcommunitybanks.comFDIC 11706 · Sherrard, Illinois 61 No 18
Evergreen evergreencu.comNCUA 66395 · Neenah, WI 55 Gated 32
First Security Bank firstsecuritybanks.comFDIC 251 · Mapleton, Iowa 68 No 32
One Vision onevisionfcu.orgNCUA 9097 · Clarksville, IN 64 No 32
Eastern National Bank enbfl.comFDIC 20026 · Miami, Florida 46 Gated 31
Banner bannerfcu.orgNCUA 11680 · Phoenix, AZ 59 No 30
Fairview Savings and Loan Association fairviewsavings.comblockedFDIC 28652 · Fairview, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
Madison madisoncu.comNCUA 66431 · Madison, WI 53 Gated 32
St. Josephs Canton Parish stjfcu.orgNCUA 4884 · Canton, OH 45 No 1
Morehead Community moreheadcommunity.comNCUA 23070 · Morehead, KY 66 No 32
Farmers and Merchants Bank of Mound City, Kansas fmbankmc.comFDIC 14024 · Mound City, Kansas 44 Gated 32
Millard County millardccu.comNCUA 60494 · Fillmore, UT 65 No 32
Santa Barbara County sbcreditunion.comNCUA 6711 · Santa Barbara, CA 38 Gated 18
Stanton State Bank stantonstatebank.comFDIC 5478 · Stanton, Nebraska 65 No 12
The Security State Bank thesecuritystatebank.comunreachableFDIC 15749 · Emery, South Dakota — No —
Lion's Share lionsharecu.orgNCUA 24813 · Salisbury, NC 48 No 32
Fellowship fellowshipcreditunion.coNCUA 64852 · Lamar, CO 26 Gated 1
Credit Union of Richmond Incorporat curich.orgNCUA 66929 · Richmond, VA 44 No 32
Sacred Heart Parish Hallettsville sacredheartcu.comNCUA 3946 · Hallettsville, TX 52 Gated 26
Grand Timber Bank grandtimberbank.comFDIC 18719 · Mcgregor, Minnesota 49 No 21
Doches dochescu.comNCUA 62446 · Nacogdoches, TX 64 No 1
State Bank of Industry statebankofindustry.comblockedFDIC 10820 · Industry, Illinois; not measured: HTTP 403 (CloudFront) — No —
South Bend Firefighters sbfcu.orgNCUA 13279 · South Bend, IN 36 No 30
River Valley Community myrvcu.comNCUA 8812 · Camden, AR 48 No 32
Fort Billings fortbillings.orgblockedNCUA 1167 · Paulsboro, NJ; not measured: HTTP 403 — No —
State Bank of Lakota statebankoflakota.comFDIC 16477 · Lakota, North Dakota 62 No 7
Toledo Metro toledometro.comNCUA 9189 · Toledo, OH 45 No 1
Palmetto First palmettofirst.comNCUA 24491 · Florence, SC 52 Gated 31
America's Community Bank amcommbank.comFDIC 8893 · Blue Springs, Missouri 68 No 15
Neighbors United mynucu.orgNCUA 24851 · Greenwood, SC 68 No 32
Rimrock rimrockcu.orgNCUA 63183 · Billings, MT 62 No 32
Unity Financial hcffcu.orgNCUA 68745 · New Haven, CT 61 No 1
Rolling F rollingf.orgNCUA 61128 · Turlock, CA 48 No 1
New Jersey Law and Public Safety njlpscu.orgNCUA 66130 · Trenton, NJ 64 No 31
Central Keystone ckfcu.orgNCUA 9213 · Sunbury, PA 46 Gated 4
Kress National Bank knbkress.comFDIC 18892 · Kress, Texas 62 No 17
Community Bank of Memphis communitybankofmemphis.comFDIC 35094 · Memphis, Missouri 60 No 7
Financial Security finseccu.comNCUA 62452 · Carlsbad, NM 33 Gated 1
First Western Federal Savings Bank fwfsb.comFDIC 31972 · Rapid City, South Dakota 28 Gated 1
Cosden cosden.orgNCUA 1750 · Big Spring, TX 48 No 31
Lincoln Park Community lpccu.coopNCUA 61701 · Lincoln Park, MI 65 No 31
TRU gm-fcu.orgNCUA 21628 · Greenwood, SC 73 No 1
Cranberry cranberryfcu.orgNCUA 14850 · West Wareham, MA 48 No 1
Kauai Ohana kauaiohanafcu.orgNCUA 2577 · Lihue, HI 59 No 16
Bopti boptifcu.comNCUA 10433 · San Pedro, CA 55 No 31
State Central Bank statecentralbank.comFDIC 5820 · Bonaparte, Iowa 56 No 32
Montrose Savings Bank no website on recordFDIC 8594 · Montrose, Missouri; no web address reported to the FDIC — No —
North County Savings Bank ncsbank.comFDIC 30656 · Red Bud, Illinois 63 No 20
First Bank of Thomas fnbthomas.comFDIC 4209 · Thomas, Oklahoma 58 No 1
Perfect Circle pccu.comNCUA 68719 · Hagerstown, IN 53 Gated 32
Baraga County baragafcu.secure.cusoluNCUA 7672 · Lanse, MI 33 Gated 1
Members Preferred memberspreferred.orgNCUA 82547 · Idaho Falls, ID 60 Gated 31
Calcasieu Teachers and Employees calteacherscu.comNCUA 63142 · Lake Charles, LA 49 Gated 32
Morton Lane mortonlanedirect.comNCUA 15021 · Buffalo, NY 57 No 32
Pine pinefcu.comNCUA 12601 · Pine Bluff, AR 55 Gated 23
Five Star of Maryland fivestarfcu.orgNCUA 19668 · Baltimore, MD 61 Gated 32
Topmark topmarkfcu.comNCUA 15438 · Cridersville, OH 38 Gated 32
Atlantic City Electric Co Emp acecefcu.orgNCUA 3755 · Mays Landing, NJ 61 No 32
Acme Continental acmecontinentalcu.comNCUA 61230 · Riverdale, IL 40 Gated 32
Panhandle panhandlefcu.comNCUA 12033 · Wellington, KS 51 Gated 10
Select Seven selectsevencu.orgNCUA 6079 · Johnson City, TN 55 No 32
The Bridgeway bridgewaycu.orgNCUA 13852 · Phenix City, AL 41 Gated 32
LA Joya Area lajoyacreditunion.coopNCUA 14734 · La Joya, TX 34 Gated 15
The First National Bank of Spearville fnbspearville.comFDIC 4774 · Spearville, Kansas 53 No 1
Cedar Security Bank onlinebanking.cedarsecurity.comFDIC 25591 · Fordyce, Nebraska 51 No 30
City National Bank mycnbtx.comFDIC 24367 · Corsicana, Texas 54 No 15
Farmers and Merchants State Bank of Appleton farmers-merchants.comFDIC 8845 · Appleton, Minnesota 53 No 1
Education 1St e1cu.orgNCUA 67127 · Ogden, UT 60 No 32
Morrisons Cove 1St mcove1stfcu.comNCUA 9681 · Roaring Spring, PA 38 Gated 32
Mohawk Valley mohawkvalleyfcu.orgNCUA 20823 · Marcy, NY 52 Gated 26
First Security Bank firstsecuritybankmo.comFDIC 1622 · Union Star, Missouri 52 Gated 19
Peoples Bank and Trust Company peoplesbankusa.comblockedFDIC 2331 · Ryan, Oklahoma; not measured: HTTP 403 (CloudFront) — No —
One Detroit onedetroitcu.orgNCUA 61495 · Detroit, MI 48 Gated 32
Eddy eddyfederalcu.comNCUA 9566 · Carlsbad, NM 56 No 23
Focus focus-cu.comNCUA 66451 · Menomonee Falls, WI 58 No 32
Fieldstone fieldstonecu.comNCUA 60325 · Bradley, IL 44 No 1
First National Bank in Frankfort fnbfrankfortks.comFDIC 4668 · Frankfort, Kansas 55 No 32
First State Bank fsbnoble.comblockedFDIC 9879 · Noble, Oklahoma; not measured: HTTP 403 — No —
University of Louisiana ulfcu.comNCUA 12570 · Lafayette, LA 68 No 32
Alco alcofcu.comNCUA 8975 · Wellsville, NY 55 Gated 31
Mohave Community mohavecommunityfcu.comNCUA 12000 · Kingman, AZ 38 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