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 701–800 of 8,519 · page 8 of 86

SiteScore GatedPages read Report
Extraco Banks, National Association extracobanks.comFDIC 5551 · Temple, Texas 67 No 6
Cornerstone Bank cornerstonebank.comFDIC 90282 · Spencer, Massachusetts 56 Gated 32
United Business Bank unitedbusinessbank.comFDIC 57716 · Walnut Creek, California 65 No 1
Schaumburg Bank & Trust Company, National Association bankschaumburg.comblockedFDIC 57103 · Schaumburg, Illinois; not measured: HTTP 406 — No —
Horizon Bank, SSB horizon.bankFDIC 3256 · Austin, Texas 40 Gated 32
Associated Credit Union acuonline.orgNCUA 60484 · Norcross, GA 64 No 31
Community National Bank cnbtx.bankblockedFDIC 24897 · Midland, Texas; not measured: HTTP 403 — No —
Austin Telco atfcu.orgNCUA 4584 · Austin, TX 69 No 32
American National Bank & Trust amnat.comFDIC 22373 · Wichita Falls, Texas 61 No 32
Bank Five Nine bankfivenine.comFDIC 12517 · Oconomowoc, Wisconsin 58 No 32
Community National Bank & Trust mybankcnb.comFDIC 27046 · Chanute, Kansas 61 No 32
Georgia United gucu.orgNCUA 68607 · Duluth, GA 56 No 32
South Shore Bank southshorebank.comFDIC 90303 · South Weymouth, Massachusetts 72 No 32
Kitsap kitsapcu.orgNCUA 68576 · Bremerton, WA 28 Gated 1
Elements Financial elements.orgNCUA 22468 · Indianapolis, IN 51 No 32
Elga elgacu.comNCUA 61797 · Grand Blanc, MI 54 Gated 32
United Bank of Iowa unitedbk.bankFDIC 958 · Ida Grove, Iowa 63 No 31
Esquire Bank, National Association esquirebank.comFDIC 58140 · Jericho, New York 59 No 32
Workers wcu.comNCUA 24923 · Littleton, MA 48 No 32
Western State Bank westernbanks.comFDIC 9123 · Devils Lake, North Dakota 72 No 30
TexasBank texasbank.comFDIC 19559 · Fort Worth, Texas 51 No 32
Firefighters First firefightersfirstcu.orgNCUA 24877 · Los Angeles, CA 54 No 32
Kemba Financial kemba.orgNCUA 61623 · Gahanna, OH 65 No 32
Newtek Bank, National Association newtekbank.comFDIC 18734 · Miami, Florida 54 Gated 32
Somerset Trust Company somersettrust.comFDIC 11112 · Somerset, Pennsylvania 66 No 32
Barksdale bfcu.orgNCUA 9589 · Barksdale Afb, LA 50 No 32
Cogent Bank cogentbank.netFDIC 34908 · Orlando, Florida 58 No 1
Dort Financial dortonline.orgNCUA 68708 · Grand Blanc, MI 68 No 29
Traditional Bank, Inc. traditionalbank.comFDIC 2711 · Mount Sterling, Kentucky 44 Gated 32
Credit One Bank, National Association creditonebank.comFDIC 25620 · Las Vegas, Nevada 28 Gated 1
El Dorado Savings Bank, F.S.B. eldoradosavingsbank.comblockedFDIC 30953 · Placerville, California; not measured: HTTP 403 — No —
First County Bank firstcountybank.comunreachableFDIC 18204 · Stamford, Connecticut — No —
Center Parc mycenterparc.comNCUA 67389 · Atlanta, GA 53 Gated 32
Peoples Bank peoplesbank-wa.comFDIC 6158 · Bellingham, Washington 59 Gated 31
Coastal States Bank coastalstatesbank.comFDIC 57756 · Hilton Head Island, South Carolina 56 No 32
Self-Help self-helpfcu.orgblockedNCUA 24802 · Durham, NC; not measured: HTTP 403 (Cloudflare) — No —
First United Bank firstunited.bankFDIC 12769 · Dimmitt, Texas 48 No 1
Lge Community lgeccu.orgNCUA 68581 · Marietta, GA 48 No 1
John Marshall Bank johnmarshallbank.comFDIC 58243 · Reston, Virginia 50 Gated 32
Advancial advancial.orgNCUA 2285 · Dallas, TX 46 No 32
The Ephrata National Bank epnb.comFDIC 7493 · Ephrata, Pennsylvania 65 No 32
First Western Bank & Trust firstwestern.bankFDIC 19123 · Minot, North Dakota 33 Gated 1
Communication comfedcu.orgNCUA 3454 · Oklahoma City, OK 62 No 32
Guaranty Bank gbankmo.comFDIC 58892 · Springfield, Missouri 56 No 32
First Community Bank firstcommunitysc.comFDIC 34047 · Lexington, South Carolina 61 No 1
Anderson Brothers Bank abbank.comFDIC 9923 · Mullins, South Carolina 65 No 32
MAX mymax.comNCUA 68575 · Montgomery, AL 60 No 32
Ithink Financial ithinkfi.orgNCUA 68663 · Boca Raton, FL 63 No 32
Black Hills blackhillsfcu.orgblockedNCUA 4365 · Rapid City, SD; not measured: HTTP 403 (Cloudflare) — No —
Centra centra.orgNCUA 68287 · Columbus, IN 48 Gated 32
QNB Bank qnbbank.comFDIC 7714 · Quakertown, Pennsylvania 64 No 32
Pibank, National Association pibank.comFDIC 25258 · Miami, Florida 55 No 32
Brightbridge brightbridge.comNCUA 68693 · Lawrence, MA 47 Gated 32
FVCbank fvcbank.comFDIC 58696 · Fairfax, Virginia 48 No 1
Bessemer Trust Company bessemertrust.comFDIC 20015 · Woodbridge, New Jersey 62 No 32
Omb Bank ombbank.comFDIC 8252 · Springfield, Missouri 48 No 1
Commercial Bank cbtn.comFDIC 22354 · Harrogate, Tennessee 60 No 32
Bank Iowa bankiowa.bankFDIC 14521 · West Des Moines, Iowa 48 No 1
Texas First Bank texasfirst.bankFDIC 23799 · Texas City, Texas 54 No 32
The Bank of Commerce bofc.bankFDIC 18059 · Ammon, Idaho 52 No 32
Luana Savings Bank luanasavingsbank.comFDIC 253 · Luana, Iowa 50 No 32
Pioneer Bank, National Association pioneerny.comFDIC 20741 · Albany, New York 60 No 32
Farmers and Merchants Trust Company of Chambersburg fmtrust.bankFDIC 8405 · Chambersburg, Pennsylvania 60 No 32
First Bank of the Lake fblake.bankFDIC 26960 · Osage Beach, Missouri 51 Gated 32
Hanover Community Bank hanoverbank.comFDIC 58675 · Garden City Park, New York 50 Gated 31
Crews Bank & Trust crews.bankFDIC 8021 · Wauchula, Florida 56 No 32
Security First Bank security1stbank.comFDIC 5415 · Lincoln, Nebraska 63 No 32
Cashmere Valley Bank cashmerevalleybank.comFDIC 1265 · Cashmere, Washington 52 No 2
Forum forumcu.comblockedNCUA 68248 · Indianapolis, IN; not measured: HTTP 403 (Imperva) — No —
Colorado Federal Savings Bank coloradofederalbank.comFDIC 33111 · Greenwood Village, Colorado 55 No 5
The First National Bank of Fort Smith fnbfs.comFDIC 3864 · Fort Smith, Arkansas 45 Gated 32
Blue Ridge Bank, National Association mybrb.comFDIC 35274 · Martinsville, Virginia 51 Gated 1
Blue bluefcu.comblockedNCUA 7361 · Cheyenne, WY; not measured: HTTP 403 — No —
Coast Central coastccu.orgNCUA 62367 · Eureka, CA 67 No 32
Parke Bank parkebank.comFDIC 34888 · Sewell, New Jersey 29 Gated 32
I. H. Mississippi Valley ihmvcu.orgNCUA 60337 · Moline, IL 54 No 32
Central Bank mycentral.bankFDIC 15555 · Storm Lake, Iowa 42 No 30
Builtwell Bank builtwell.bankblockedFDIC 10307 · Chattanooga, Tennessee; not measured: HTTP 403 (Cloudflare) — No —
Queensborough National Bank & Trust Company qnbtrust.bankFDIC 2138 · Louisville, Georgia 33 Gated 1
Golden Bank, National Association goldenbank-na.comFDIC 26223 · Houston, Texas 59 No 32
Plumas Bank plumasbank.comblockedFDIC 23275 · Quincy, California; not measured: HTTP 403 — No —
Empeople empeople.comNCUA 68598 · Moline, IL 54 Gated 32
Crystal Lake Bank and Trust Company, National Association crystallakebank.comblockedFDIC 34681 · Crystal Lake, Illinois; not measured: HTTP 406 — No —
South Central Bank, Inc. southcentralbank.comFDIC 5854 · Glasgow, Kentucky 57 No 1
WaterStone Bank, SSB wsbonline.comFDIC 28513 · Wauwatosa, Wisconsin 51 Gated 32
Bank of Tennessee bankoftennessee.comFDIC 21573 · Kingsport, Tennessee 72 No 32
The Bank of Princeton thebankofprinceton.comFDIC 58513 · Princeton, New Jersey 47 No 32
Falcon International Bank falconbank.comblockedFDIC 26856 · Laredo, Texas; not measured: HTTP 403 (Sucuri) — No —
American Bank & Trust abt.bankFDIC 1117 · Sioux Falls, South Dakota 44 Gated 32
Westconsin westconsincu.orgNCUA 66742 · Menomonie, WI 59 No 32
Five Points Bank 5pointsbank.comFDIC 20488 · Grand Island, Nebraska 34 Gated 32
Regent Bank regent.bankFDIC 4160 · Tulsa, Oklahoma 51 No 32
MainStreet Bank mstreetbank.comFDIC 57742 · Fairfax, Virginia 64 No 32
Country Bank for Savings countrybank.comFDIC 23992 · Ware, Massachusetts 33 Gated 1
Shinhan Bank America shbamerica.comFDIC 33188 · New York, New York 48 No 1
National Bank of Commerce nbcbanking.comFDIC 14266 · Superior, Wisconsin 48 No 1
Think Mutual Bank thinkbank.comFDIC 58536 · Rochester, Minnesota 62 No 32
First Bank Chicago firstbankchicago.comFDIC 17470 · Highland Park, Illinois 53 No 32
Lighthouse lighthousecu.orgNCUA 24964 · Dover, NH 51 Gated 32
LCNB National Bank lcnb.comFDIC 6623 · Lebanon, Ohio 48 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