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))
License	Works of the United States federal government. Not subject to domestic copyright (17 U.S.C. § 105).
How we filtered it	Active 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.
Built	2026-10-11

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

Grade	Sites	Share
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.

Dimension	Mean 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

Test	What it asks	Failing	Of
EXT-12	Do you tell search engines the moment a page changes?	100.0%	7198
EXT-14	Does your site offer its actions to AI browsers as tools?	100.0%	6856
EXT-16	Do you publish a card or a skills list for the agents you run?	100.0%	7198
EXT-17	Do you list your agents in your domain's DNS records?	100.0%	7060

Near-universal — 95% and above 11 checks · 3 of them worth 2 points or more

Test	What it asks	Failing	Of	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

Test	What it asks	Failing	Of	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 6,801–6,900 of 8,519 · page 69 of 86

Site	Score	Gated	Pages read
The State Bank of Canton, Canton, Kansas statebankofcanton.comFDIC 13926 · Canton, Kansas	61	No	31
Comanche County comanchecountyfcu.comNCUA 16367 · Lawton, OK	45	No	1
Mid-Tex mtfcu.orgNCUA 24454 · Brownwood, TX	73	No	22
The First National Bank of Primghar fnbprimghar.comFDIC 4494 · Primghar, Iowa	42	Gated	32
Illinois Valley ivcu.comNCUA 62121 · Peru, IL	65	No	1
Matagorda County matagordaccu.comNCUA 67545 · Bay City, TX	69	No	31
Citizens Bank of Chatsworth bankatcbc.comFDIC 10843 · Chatsworth, Illinois	48	No	1
Shuford shufordcu.orgNCUA 24811 · Hickory, NC	55	No	7
Corrections corfed.comNCUA 13254 · Soledad, CA	65	No	28
Wichita Falls wffedcu.comNCUA 6317 · Wichita Falls, TX	48	No	1
The Farmers and Merchants State Bank wwwfmsbscotland.comFDIC 13999 · Scotland, South Dakota	33	Gated	1
The Finest thefinestfcu.orgNCUA 24862 · New York, NY	32	Gated	32
Wcu Credit Union wcucu.comNCUA 61150 · Decatur, AL	39	Gated	31
School District 3 sd3fcu.orgNCUA 13300 · Colorado Spring, CO	48	No	1
Mutual Savings and Loan Association mutualsavings.comFDIC 27716 · Metairie, Louisiana	48	No	1
Community Link communitylinkfcu.comNCUA 24770 · Huntington, IN	45	No	1
Meadowland meadowlandcu.orgNCUA 66618 · Sheboygan Falls, WI	45	Gated	32
Transport transportfcu.comNCUA 68016 · Tampa, FL	50	Gated	32
Steuben Citizens steubencitizensfcu.comNCUA 6225 · Bath, NY	65	No	13
Noda nodafcu.orgNCUA 4461 · Slidell, LA	45	No	1
Beaumont Community bmtccu.comNCUA 67574 · Beaumont, TX	68	No	30
Postal Employees pecu24.orgNCUA 64882 · Yardville, NJ	49	Gated	32
The First National Bank of Fairfax fnbfx.comFDIC 5142 · Fairfax, Minnesota	33	Gated	1
Alpena Community alpenacreditunion.comNCUA 62264 · Alpena, MI	40	Gated	27
Citizens State Bank carletonbank.comFDIC 18724 · Carleton, Nebraska	53	No	1
Brazos Star brazosstarcu.comNCUA 67408 · College Station, TX	56	Gated	29
Cincinnati Employees cintiecu.orgNCUA 65205 · Harrison, OH	44	Gated	8
The Marion National Bank bankwithmnb.comFDIC 4728 · Marion, Kansas	65	No	32
Farmers State Bank farmersstatebankwyoming.comFDIC 526 · Pine Bluffs, Wyoming	48	Gated	12
Hazleton School Employees hazletonsecu-dn.financiNCUA 64833 · Hazleton, PA	33	Gated	1
W S S C wsscfcu.orgblockedNCUA 16268 · Laurel, MD; not measured: HTTP 403	—	No	—
Montana Educators' mtedcu.orgNCUA 68190 · Missoula, MT	56	No	32
Northwestern Energy Employees nweefcu.orgNCUA 21609 · Butte, MT	48	No	1
Outreach outreachcu.comNCUA 8922 · Hermitage, TN	56	No	32
Reliance reliancefcu.comNCUA 4120 · King Of Prussia, PA	46	Gated	32
Finger Lakes Health Care flhc.comNCUA 21294 · Elmira, NY	52	Gated	31
NSP mynspcu.orgNCUA 62733 · Maplewood, MN	57	Gated	32
Alpha alphacu.comNCUA 67872 · Boston, MA	44	Gated	32
Milestones milestonesfcu.comblockedNCUA 5144 · Lewiston, ME; not measured: HTTP 403	—	No	—
Highway wwwhighwayfcu.orgNCUA 20691 · Hughestown, PA	33	Gated	1
New Haven County nhccu.comNCUA 65809 · North Haven, CT	47	No	25
First County firstcountyfcu.orgNCUA 14163 · Muncie, IN	48	Gated	32
Holy Ghost Parish no website on recordNCUA 65243 · Dubuque, IA; no web address reported on the NCUA call report	—	No	—
Koin koincu.orgNCUA 68172 · Brentwood, TN	33	Gated	1
Chen-Del-O chendelo.orgNCUA 9517 · Franklin, NY	66	No	24
Eweb Employees myewebcu.orgNCUA 9777 · Eugene, OR	48	No	32
Flagship Community flagship.orgNCUA 13391 · Port Huron, MI	49	Gated	27
Omaha Public Power Dist Emp oppd-efcu.orgNCUA 2507 · Omaha, NE	52	No	24
Service Plus service-pluscu.orgNCUA 65770 · Moline, IL	51	No	32
Ed-Medical edmedfcu.comNCUA 13186 · Ogdensburg, NY	51	Gated	7
Ct Firefighters ctffcu.orgNCUA 6498 · Hartford, CT	47	Gated	32
The First State Bank of Dongola no website on recordFDIC 12098 · Dongola, Illinois; no web address reported to the FDIC	—	No	—
Metropolitan District Employees mdecu.orgNCUA 65817 · Hartford, CT	46	No	1
O and R Utilities Employees orutilfcu.orgNCUA 23700 · Monroe, NY	63	No	1
1St Street 1streetcu.comNCUA 67309 · Sarasota, FL	56	No	32
Columbia como-cu.comNCUA 62930 · Columbia, MO	51	Gated	32
Pfd Firefighters Credit Union Inc. pfdcu.comNCUA 66942 · Portsmouth, VA	56	No	1
El Monte Community elmonteccu.orgNCUA 95072 · El Monte, CA	56	No	32
Greater Valley greatervalleycu.orgNCUA 64660 · Fresno, CA	46	Gated	29
Audubon audubonfcu.netNCUA 11168 · Owensboro, KY	63	No	21
Knox County Teachers kctfcu.orgNCUA 10676 · Knoxville, TN	31	Gated	1
Meridian mymeridiancu.orgNCUA 64212 · Ottumwa, IA	56	No	32
Union Trades uniontradesfcu.comNCUA 21100 · Parkersburg, WV	60	No	14
First American Bank fabstonewall.comFDIC 15762 · Stonewall, Oklahoma	47	Gated	12
Oteen V. A. oteencreditunion.comNCUA 932 · Asheville, NC	43	No	7
U.p. Connection upconnection.orgNCUA 4098 · Omaha, NE	56	No	32
Members Trust Company memberstrust.comFDIC 57470 · Tampa, Florida	47	Gated	32
Canals & Trails canals-trailscu.orgNCUA 68508 · Lockport, IL	60	No	1
Common Cents commoncentscu.comNCUA 15788 · Beaumont, TX	61	No	32
Greater Central Texas gctfcu.netNCUA 11995 · Killeen, TX	36	No	32
Utility District udcu.orgNCUA 61085 · Oakland, CA	49	Gated	32
ECU ecucreditunion.comNCUA 67336 · Seminole, FL	43	Gated	32
Jessop Community jessopfcu.orgNCUA 7724 · Washington, PA	58	No	32
Christiansted cfcuvi.orgNCUA 7989 · Christiansted, VI	41	No	30
Signia signiacu.orgNCUA 7423 · Wahiawa, HI	71	No	32
The First National Bank of Proctor proctorbank.comFDIC 5232 · Proctor, Minnesota	53	No	1
U S P L K Employees usplkefcu.orgNCUA 4427 · Leavenworth, KS	64	No	1
Northwest Adventist mynwcu.comNCUA 14786 · Portland, OR	54	Gated	32
Alhambra alhambracu.comNCUA 60165 · Phoenix, AZ	48	Gated	32
Antioch Community antiochcommfcu.orgNCUA 13261 · Antioch, CA	57	Gated	31
Evansville Firefighters evffcu.infoNCUA 1263 · Evansville, IN	33	Gated	1
First Summit Bank fsbwford.comFDIC 399 · Ryan, Oklahoma	63	No	1
Area Educational myaecu.comNCUA 62500 · Mattoon, IL	48	No	26
Academic academicfcu.orgNCUA 23425 · Briarcliff Mano, NY	56	No	31
Chhe chhe.orgNCUA 23545 · Huntington, WV	39	Gated	7
Marquette Farmers State Bank of Marquette mfsb.comFDIC 18094 · Marquette, Kansas	55	No	1
Greater Wayne Community gwcfcu.comNCUA 4369 · Rittman, OH	45	No	1
Gowanda Area gafcu.orgNCUA 818 · Gowanda, NY	42	No	16
Rome romefcu.comNCUA 1810 · Rome, NY	43	Gated	32
SEI seius.orgNCUA 517 · Pocatello, ID	45	No	1
New Castle County Delaware Em nccdefcu.comNCUA 17687 · New Castle, DE	41	Gated	32
Medisys Employees medisysefcu.orgNCUA 20885 · Jamaica, NY	52	Gated	6
First Carolina People's fcpcu.comNCUA 62673 · Goldsboro, NC	55	No	32
Central Soya centralsoyafcu.orgNCUA 4152 · Decatur, IN	60	No	31
Logan Medical loganmedicalfcu.orgNCUA 14571 · Logan, UT	54	Gated	29
Allwealth allwealth.orgNCUA 5845 · Hamilton, OH	58	No	31
Lehigh County Employees lehighcountycu.comNCUA 16746 · Allentown, PA	65	No	6
Sunflower Community sunflowerrocks.comNCUA 7610 · Marysville, KS	55	No	26
Northeast Texas Teachers nettfcu.comNCUA 14170 · Paris, TX	60	No	1
Norfolk Community norfolkcommunityfcu.orgNCUA 8828 · Norfolk, MA	57	No	31

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