US Banks and Credit Unions

banks-credit-unions

Every active FDIC-insured bank and federally insured credit union, largest by total assets first.

Index 12.1 · 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 55 across 7198 sites

Middle half 48–61 spread around the median

Full range 16–78 lowest to highest

Gated 2722 of 7198 block AI crawlers outright

Middle of 16 cohorts. All cohorts 53 · best cohort 60.

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).
Cite as	FDIC, BankFind Suite institutions API, index of 2026-10-09; NCUA, Credit Union and Corporate Call Report Data, 2026-06.
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	2139	29.7%
Weak	4190	58.2%
Not ready	843	11.7%
Strong	26	0.4%

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?		50%
#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 10 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%	7194	2
UND-5	Does the author label in your page code point to that person?	97.6%	5095	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%	7194	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 1,401–1,500 of 8,519 · page 15 of 86

Site	Score	Gated	Pages read
Marine marinefederalhb.orgblockedNCUA 12977 · Jacksonville, NC; not measured: HTTP 403 (Cloudflare)	—	No	—
T Bank, National Association tbank.comFDIC 57703 · Dallas, Texas	65	No	1
Utah Power utahpowercu.orgNCUA 67132 · Murray, UT	38	Gated	11
Kirtland kirtlandcu.orgNCUA 12199 · Albuquerque, NM	63	No	32
First Palmetto Bank firstpalmetto.comFDIC 28396 · Camden, South Carolina	57	Gated	32
HFS hfsfcu.orgNCUA 1829 · Hilo, HI	76	No	32
Pioneer Bank pioneer.bankFDIC 27872 · Roswell, New Mexico	62	No	32
Raiz raiz.usNCUA 1409 · El Paso, TX	67	No	32
The Converse County Bank conversecountybank.comFDIC 12591 · Douglas, Wyoming	59	No	32
Blupeak blupeak.comNCUA 60801 · San Diego, CA	61	No	32
Generations Bank mygenerations.bankblockedFDIC 88 · Rogers, Arkansas; not measured: HTTP 403	—	No	—
Velocity velocitycu.comNCUA 68359 · Austin, TX	53	Gated	32
1St Advantage 1stadvantage.orgNCUA 7448 · Newport News, VA	52	Gated	32
Family Security myfscu.comNCUA 60605 · Decatur, AL	51	Gated	32
Winchester Savings Bank winchestersavings.comFDIC 90308 · Winchester, Massachusetts	48	No	1
First Bank of Berne firstbankofberne.comFDIC 9288 · Berne, Indiana	33	Gated	1
Partners Bank of New England partners.bankFDIC 17115 · Sanford, Maine	68	Gated	32
Prime Alliance Bank primealliance.bankFDIC 57920 · Woods Cross, Utah	45	Gated	7
AuburnBank auburnbank.comFDIC 35 · Auburn, Alabama	33	Gated	1
Amerasia Bank amerasiabankny.comFDIC 27267 · Flushing, New York	57	No	1
First Resource Bank myfrbank.comFDIC 58039 · Lino Lakes, Minnesota	52	No	20
MountainOne Bank mountainone.comFDIC 90253 · North Adams, Massachusetts	28	Gated	1
First Command Bank firstcommand.comFDIC 34415 · Fort Worth, Texas	51	Gated	32
The Federal Savings Bank thefederalsavingsbank.comFDIC 35518 · Chicago, Illinois	62	Gated	32
Parkside Financial Bank & Trust pfbt.comFDIC 58796 · Clayton, Missouri	59	No	32
Bank of Wisconsin Dells dellsbank.bankFDIC 15136 · Wisconsin Dells, Wisconsin	48	Gated	26
Commercial Bank & Trust Co. cbtcnet.comFDIC 8660 · Paris, Tennessee	66	No	32
InsBank insbank.comFDIC 35521 · Nashville, Tennessee	54	Gated	32
The First National Bank of Bemidji fnbbemidji.comFDIC 5093 · Bemidji, Minnesota	67	No	32
Frontier Bank of Texas frontierbankoftexas.comblockedFDIC 58509 · Elgin, Texas; not measured: HTTP 403	—	No	—
The First National Bank of McGregor tfnbtx.comFDIC 3330 · Mc Gregor, Texas	28	Gated	1
Ixonia Bank ixoniabank.comFDIC 12514 · Ixonia, Wisconsin	55	Gated	32
Ledyard National Bank ledyard.bankFDIC 33418 · Norwich, Vermont	49	Gated	32
MidCountry Bank midcountrybank.comFDIC 28865 · Minneapolis, Minnesota	59	No	1
Mazuma mazuma.orgNCUA 64084 · Overland Park, KS	58	No	32
Brooks Bank, National Association bankfnbt.comFDIC 4062 · Chickasha, Oklahoma	59	No	1
Cape Ann Savings Bank capeannsavings.bankFDIC 90203 · Gloucester, Massachusetts	28	Gated	1
Ideal idealcu.comblockedNCUA 62978 · Woodbury, MN; not measured: HTTP 403 (Cloudflare)	—	No	—
The Monticello Banking Company mbcbank.comFDIC 292 · Monticello, Kentucky	61	No	32
The Paducah Bank and Trust Company paducahbank.comFDIC 16664 · Paducah, Kentucky	62	No	32
Core Bank corebank.comFDIC 34363 · Omaha, Nebraska	40	Gated	32
CNB Bank ourcnb.bankblockedFDIC 2241 · Carlsbad, New Mexico; not measured: HTTP 403	—	No	—
Sound Community Bank soundcb.comFDIC 57451 · Seattle, Washington	68	No	32
Crescent Bank crescentbank.comFDIC 33492 · Metairie, Louisiana	67	No	3
Nebraskaland Bank nebraskalandbank.comFDIC 34811 · North Platte, Nebraska	54	Gated	32
CommerceOne Bank commerceonebank.comFDIC 59114 · Birmingham, Alabama	50	No	32
United Bank of Michigan unitedbank4u.comFDIC 11807 · Grand Rapids, Michigan	59	No	32
Point Breeze pbcu.comblockedNCUA 66585 · Hunt Valley, MD; not measured: HTTP 403 (Cloudflare)	—	No	—
Centennial Bank mycentennial.bankFDIC 8439 · Trezevant, Tennessee	49	No	32
Great Midwest Bank, S.S.B. greatmidwestbank.comFDIC 29657 · Brookfield, Wisconsin	48	No	1
Farm Bureau Bank FSB farmbureau.bankFDIC 35157 · Reno, Nevada	61	No	32
Zeal zealcu.orgNCUA 62426 · Livonia, MI	71	No	32
Border Bank border.bankFDIC 20776 · Fargo, North Dakota	37	Gated	32
Bank Cmg bankcmg.comFDIC 11623 · Madison, Wisconsin	63	No	32
Connex connexcu.orgNCUA 68511 · North Haven, CT	55	No	1
Farmers and Merchants Bank bankfmb.comFDIC 16810 · Milford, Nebraska	59	No	32
Farmers Bank & Trust farmersbankks.comFDIC 17614 · Great Bend, Kansas	52	Gated	32
Brightstar bscu.orgblockedNCUA 67347 · Fort Lauderdale, FL; not measured: HTTP 403 (Cloudflare)	—	No	—
United Texas Bank, National Association unitedtexasbank.comFDIC 26626 · Dallas, Texas	64	No	1
GNBank, National Association gn-bank.comFDIC 4673 · Girard, Kansas	57	No	30
OneLocal Bank onelocalbank.comFDIC 26555 · Norwood, Massachusetts	64	No	31
United Bankers' Bank ubb.bankFDIC 22180 · Richfield, Minnesota	54	No	32
Belmont Bank & Trust Company belmontbank.comFDIC 58165 · Chicago, Illinois	62	No	32
Cornhusker Bank cornhusker.bankFDIC 14264 · Lincoln, Nebraska	61	No	32
FirsTier Bank firstierbanks.comFDIC 17478 · Kimball, Nebraska	48	Gated	32
Magyar Bank magbank.comFDIC 30704 · New Brunswick, New Jersey	48	No	1
Brazos Valley Schools bvscu.orgNCUA 66353 · Katy, TX	63	No	32
The Police thepolicecu.orgblockedNCUA 60968 · San Bruno, CA; not measured: HTTP 403 (Cloudflare)	—	No	—
UBank u.bankFDIC 18344 · Huntington, Texas	49	Gated	31
Brentwood Bank brentwoodbank.comFDIC 27943 · Bethel Park, Pennsylvania	52	No	32
BNC National Bank bncbank.comFDIC 57197 · Glendale, Arizona	48	No	1
First Southern Bank firstsouthernbank.netFDIC 15565 · Marion, Illinois	67	No	32
Superior National Bank snb-t.comFDIC 5058 · Hancock, Michigan	48	No	1
Latino Community latinoccu.orgNCUA 68430 · Durham, NC	61	No	32
Security Financial Bank sfbank.comFDIC 14222 · Durand, Wisconsin	28	Gated	1
People First peoplefirst.comNCUA 6885 · Allentown, PA	58	No	32
Mirastar mirastarfcu.orgNCUA 24299 · San Jose, CA	67	Gated	32
4Front 4frontcu.comNCUA 61365 · Traverse City, MI	69	No	32
The Freedom Bank of Virginia freedom.bankFDIC 57184 · Fairfax, Virginia	69	No	32
Security State Bank ssbscott.comblockedFDIC 18374 · Scott City, Kansas; not measured: HTTP 403	—	No	—
Bank of the James bankofthejames.bankFDIC 35207 · Lynchburg, Virginia	64	No	31
R Bank r.bankFDIC 58935 · Round Rock, Texas	70	No	32
Heritage heritagefederal.orgNCUA 16626 · Newburgh, IN	51	Gated	32
First Federal Savings and Loan Association of Greene Co ffgc.bankFDIC 28706 · Waynesburg, Pennsylvania	48	No	1
Power Financial powerfi.orgblockedNCUA 68445 · Pembroke Pines, FL; not measured: HTTP 403 (Cloudflare)	—	No	—
Royal Banks of Missouri royalbanksofmo.comblockedFDIC 19512 · Saint Louis, Missouri; not measured: HTTP 403	—	No	—
Grand Savings Bank grandsavingsbank.comFDIC 32084 · Grove, Oklahoma	62	No	32
Brannen Bank brannenbanks.comFDIC 5676 · Inverness, Florida	48	Gated	31
American Pride Bank americanpride.bankFDIC 58584 · Macon, Georgia	55	No	32
Sturgis Bank & Trust Company sturgis.bankFDIC 28593 · Sturgis, Michigan	58	No	1
Prevail Bank prevail.bankFDIC 29294 · Medford, Wisconsin	33	Gated	1
Clear Mountain Bank clearmountain.bankFDIC 2443 · Bruceton Mills, West Virginia	65	No	32
St. Mary's stmaryscu.orgNCUA 67864 · Marlborough, MA	54	No	32
Clear Fork Bank, National Association clearfork.bankFDIC 3067 · Albany, Texas	73	No	32
First Central Savings Bank firstcentralsavings.comFDIC 34969 · Glen Cove, New York	59	No	32
Westby Co-Op wccu.coopNCUA 67208 · Westby, WI	46	Gated	32
First Service Bank firstservicebank.comFDIC 18519 · Greenbrier, Arkansas	60	No	25
McCoy mccoyfcu.orgNCUA 9915 · Orlando, FL	58	No	32
Water and Power Community wpccu.orgNCUA 68493 · Los Angeles, CA	59	No	32
Walden Savings Bank waldensavings.bankFDIC 15987 · Montgomery, New York	49	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