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 801–900 of 8,519 · page 9 of 86

SiteScore GatedPages read Report
Maspeth Federal Savings and Loan Association maspethfederal.comFDIC 30303 · Maspeth, New York 58 No 32
Lbs Financial lbsfcu.orgNCUA 68460 · Long Beach, CA 58 No 32
Texas Community Bank tx-communitybank.comFDIC 24563 · Laredo, Texas 62 No 32
Franklin Mint fmfcu.orgblockedNCUA 20042 · Chadds Ford, PA; not measured: HTTP 403 (Cloudflare) — No —
Chain Bridge Bank, National Association chainbridgebank.comFDIC 58595 · Mclean, Virginia 71 No 32
Jeanne D'arc jdcu.orgNCUA 67352 · Lowell, MA 55 Gated 32
IQ iqcu.comNCUA 60438 · Vancouver, WA 65 No 32
Financial Partners fpcu.orgblockedNCUA 68457 · Downey, CA; not measured: HTTP 403 (Cloudflare) — No —
Citizens National Bank of Texas cnboftexas.comFDIC 5574 · Waxahachie, Texas 54 No 32
Thomasville National Bank tnbank.comFDIC 34068 · Thomasville, Georgia 33 Gated 1
Clearview clearviewfcu.orgNCUA 9007 · Moon Township, PA 53 Gated 32
Security State Bank & Trust ssbtexas.comFDIC 15809 · Fredericksburg, Texas 73 No 32
Hanscom hfcu.orgNCUA 9095 · Hanscom Afb, MA 63 No 32
Kennebunk Savings Bank kennebunksavings.comFDIC 13063 · Kennebunk, Maine 61 No 32
Self-Help self-help.orgblockedNCUA 66258 · Durham, NC; not measured: HTTP 403 (Cloudflare) — No —
Isabella Bank isabellabank.comFDIC 1005 · Mount Pleasant, Michigan 48 No 1
CFBank, National Association cf.bankblockedFDIC 28263 · Columbus, Ohio; not measured: HTTP 403 — No —
Central Bank cbutah.comFDIC 9204 · Provo, Utah 68 No 32
Seven Seventeen 717cu.comNCUA 61077 · Warren, OH 55 No 32
United Bank accessunited.comFDIC 172 · Zebulon, Georgia 59 No 32
Potlatch No. 1 Financial p1fcu.orgNCUA 68700 · Lewiston, ID 52 No 32
Norway Savings Bank norwaysavings.bankblockedFDIC 17658 · Norway, Maine; not measured: HTTP 403 (Cloudflare) — No —
Canyon View canyonviewcu.comNCUA 24710 · Salt Lake City, UT 53 Gated 32
Mizuho Bank (USA) no website on recordFDIC 21843 · New York, New York; no web address reported to the FDIC — No —
The Lyons National Bank bankwithlnb.comFDIC 7151 · Lyons, New York 61 Gated 32
Purdue purduefed.comblockedNCUA 19307 · West Lafayette, IN; not measured: HTTP 403 (Cloudflare) — No —
Oakworth Capital Bank oakworth.comFDIC 58783 · Birmingham, Alabama 48 No 1
Opportunity Bank of Montana opportunitybank.comFDIC 30182 · Helena, Montana 59 No 31
The First National Bank in Sioux Falls fnbsf.comFDIC 4016 · Sioux Falls, South Dakota 63 Gated 32
Community Choice communitychoicecu.comNCUA 64880 · Farmington Hill, MI 50 Gated 32
First Entertainment firstent.orgNCUA 68373 · Hollywood, CA 65 No 32
Texas Trust texastrustcu.orgblockedNCUA 68434 · Mansfield, TX; not measured: HTTP 403 (Cloudflare) — No —
Meriwest meriwest.comblockedNCUA 68394 · San Jose, CA; not measured: HTTP 403 — No —
NorthEast Community Bank necommunitybank.comblockedFDIC 29147 · White Plains, New York; not measured: HTTP 403 — No —
First Fed Bank ourfirstfed.comFDIC 28405 · Port Angeles, Washington 59 No 32
IncredibleBank incrediblebank.comFDIC 19772 · Wausau, Wisconsin 58 No 3
Dupont Community mydccu.comNCUA 62474 · Waynesboro, VA 65 No 1
Starion Bank starionbank.comblockedFDIC 33758 · Bismarck, North Dakota; not measured: HTTP 403 (Cloudflare) — No —
Caltech Employees cefcu.orgNCUA 6681 · La Canada, CA 65 No 1
Marquette Bank emarquettebank.comFDIC 16250 · Chicago, Illinois 33 Gated 1
Suffolk suffolkcu.orgblockedNCUA 17914 · Medford, NY; not measured: HTTP 403 (Cloudflare) — No —
Indiana University iucu.orgNCUA 68577 · Bloomington, IN 53 No 32
SRP srpfcu.orgNCUA 24410 · North Augusta, SC 72 No 32
Kish Bank mykish.comblockedFDIC 14969 · Belleville, Pennsylvania; not measured: HTTP 403 — No —
Cyprus cypruscu.comNCUA 24688 · West Jordan, UT 60 No 32
Peoples National Bank , N.A. peoplesnationalbank.comFDIC 3809 · Mount Vernon, Illinois 67 No 31
Lafayette lfcu.orgNCUA 619 · Rockville, MD 67 No 32
Alabama alabamacu.comNCUA 60823 · Tuscaloosa, AL 47 No 32
First Bank fbvirginia.comFDIC 6917 · Strasburg, Virginia 28 Gated 1
American Commercial Bank & Trust, National Association acbandt.comFDIC 3719 · Ottawa, Illinois 60 No 31
Interra interracu.comNCUA 82794 · Goshen, IN 31 Gated 1
The Village Bank village-bank.comFDIC 26336 · Newton, Massachusetts 68 No 32
Gateway First Bank gatewayfirst.comFDIC 15118 · Jenks, Oklahoma 73 No 32
Timberland Bank timberlandbank.comFDIC 28453 · Hoquiam, Washington 65 No 32
Whitefish Credit Union Association whitefishcu.comblockedNCUA 61949 · Whitefish, MT; not measured: HTTP 403 (Cloudflare) — No —
Westerra westerracu.comNCUA 65788 · Denver, CO 66 No 32
Square Financial Services, Inc. squareup.comFDIC 59177 · Salt Lake City, Utah; the reported address pointed at a page, the site root is scanned 54 No 32
First United Bank & Trust mybank.comFDIC 4857 · Oakland, Maryland 61 No 32
Shell shellfcu.orgNCUA 1941 · Deer Park, TX 52 Gated 32
Self Reliance Financial selfrelianceny.orgNCUA 7217 · New York, NY 59 No 1
Peoples Bank ibankpeoples.comFDIC 29523 · Munster, Indiana 57 No 32
Philadelphia pfcu.comblockedNCUA 7238 · Philadelphia, PA; not measured: HTTP 403 (Cloudflare) — No —
First Financial Bank ffb1.comFDIC 28905 · El Dorado, Arkansas 59 No 32
Blackhawk Bank & Trust choosethechief.comFDIC 18402 · Milan, Illinois 57 No 32
First National Bank firstnationalbanks.comFDIC 14712 · Fort Pierre, South Dakota 28 Gated 1
Beneficial State Bank beneficialstatebank.comFDIC 58490 · Oakland, California 75 No 32
Mabrey Bank mabreybank.comFDIC 10667 · Bixby, Oklahoma 46 Gated 32
Montecito Bank & Trust montecito.bankFDIC 21956 · Santa Barbara, California 65 No 32
TruNorth Bank bankesb.comFDIC 90188 · Easthampton, Massachusetts 39 No 1
The Farmers & Merchants Bank gofm.bankFDIC 16216 · Stuttgart, Arkansas 55 No 32
Florence Bank florencebank.comFDIC 23293 · Florence, Massachusetts 61 No 32
Mission Bank missionbank.bankFDIC 34805 · Bakersfield, California 50 No 32
Oak Valley Community Bank ovcb.comFDIC 33457 · Oakdale, California 63 No 32
Bank of Springfield bankwithbos.comFDIC 19506 · Springfield, Illinois 57 No 32
The Conway National Bank conwaynationalbank.comFDIC 2102 · Conway, South Carolina 56 No 32
Yakima Federal Savings and Loan Association yakimafed.comFDIC 28116 · Yakima, Washington 48 No 1
Heritage Bank, Inc. ourheritage.bankFDIC 33119 · Burlington, Kentucky 55 No 32
South Atlantic Bank southatlantic.bankFDIC 58689 · Myrtle Beach, South Carolina 59 Gated 32
Horizon hzcu.orgNCUA 67264 · Spokane Valley, WA 70 No 32
Commonwealth Business Bank cbb-bank.comFDIC 57873 · Los Angeles, California 56 No 31
Safe safefed.orgNCUA 9988 · Sumter, SC 48 No 1
First Commerce Bank firstcommercebk.comFDIC 58054 · Lakewood, New Jersey 65 No 32
Superior Credit Union, Inc superiorcu.comNCUA 68665 · Lima, OH 50 No 32
Planters Bank, Inc. plantersbankonline.comFDIC 34254 · Hopkinsville, Kentucky 42 Gated 32
Citizens National Bank cnbtn.comblockedFDIC 20954 · Sevierville, Tennessee; not measured: HTTP 403 — No —
Tri City National Bank tcnb.comFDIC 18922 · Oak Creek, Wisconsin 28 Gated 1
Monterra monterra.orgblockedNCUA 62736 · Redwood City, CA; not measured: HTTP 403 (Cloudflare) — No —
Climate First Bank climatefirstbank.comFDIC 59257 · Saint Petersburg, Florida 41 Gated 32
Thomaston Savings Bank thomastonsavingsbank.comFDIC 18258 · Thomaston, Connecticut 57 No 32
BankWest, Inc. bankwest-sd.comblockedFDIC 4009 · Pierre, South Dakota; not measured: HTTP 403 (Cloudflare) — No —
Great Plains National Bank gpbankok.com.FDIC 34207 · Elk City, Oklahoma 61 No 21
Whitaker Bank whitakerbank.comFDIC 32912 · Lexington, Kentucky 46 Gated 32
First Northern Bank of Dixon thatsmybank.comFDIC 3440 · Dixon, California 60 No 32
Tyndall tyndall.orgNCUA 10754 · Panama City, FL 60 No 32
Fairfield County Bank fairfieldcountybank.comFDIC 18213 · Ridgefield, Connecticut 48 Gated 32
First American Bank firstamericanbanknm.comblockedFDIC 2240 · Artesia, New Mexico; not measured: HTTP 403 (Cloudflare) — No —
Bank 7 bank7.comFDIC 4147 · Oklahoma City, Oklahoma 32 Gated 32
BTC Bank btcbank.bankFDIC 10618 · Bethany, Missouri 61 No 32
Bank of Bird-in-Hand bihbank.comFDIC 59074 · Bird In Hand, Pennsylvania 53 No 32
BAY bayfed.comNCUA 12067 · Capitola, CA 64 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