US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)
Regulated register market (fdic-insured banks, ncua federally insured credit unions). The Kin Score Market layer reads each provider in its market: who it integrates with, how deep those integrations go, and where the market publishes its own structure. Methodology.
Where this market publishes its structure
- FDIC BankFind institutions API (api.fdic.gov/banks/institutions?filters=ACTIVE:1; banks.data.fdic.gov 301s here) machine-readable, 4,219 active charters, 4,145 with a website; 61 linked (75 providers across both registers)
- FDIC BankFind inactive institutions + structure history (api.fdic.gov/banks/history) machine-readable, 2,408 charters inactive since 2015, 279 merger/failure events since 2024; status only, 1 linked (report-only)
- NCUA federally insured credit union list June 2025 (federally-insured-credit-union-list-june-2025.zip) machine-readable, 4,371 credit unions; XLSX with NO website column
- NCUA call report bulk data 2025-06 (call-report-data-2025-06.zip: FOICU, FS220D Acct_891 website, TradeNames) machine-readable, website for 3,922 of 4,371 FICUs; 14 linked
- FFIEC National Information Center / NPW (ffiec.gov/npw) not machine-readable: 403 to non-browser clients; not passed
Own = declares at least one integration itself; covered = visible only because an aggregator, standards body, regulator or partner contract names it; distribution-only = listed only on cloud marketplaces it sells through, a channel reported beside, never counted as its own declared integrations; undeclared = nothing we can read, so no number; declares_compatibility = providers with a `compatible` shape vote, report only (kin, 2026-10-13): never counted as own, never in depth or position.
Taxonomy how this market maps onto apis.io
Derived 2026-10-23 from the 85 providers in this market we could resolve in the catalog. The percentage is the share of those providers carrying each one; it describes the market, not the tag or industry. Tag groups have no page of their own yet, so they are listed unlinked.
| Tags | Banking 96%, Financial Services 85%, United States 76%, Open Finance 59%, Payments 34%, Treasury Management 25%, Commercial Banking 24%, Consumer Banking 22%, Regional Bank 22% |
|---|---|
| Tag groups | Fintech 100%, United States 82%, Finance 33% |
| Industries | Banking & Open Banking 99%, Financial Services 92%, Payments & Money Movement 35% |
share of resolved cohort carrying it; tags >=0.20 & >=3 members (max 12, junk dropped), tag_groups >=0.20 (cooccurrence, non-cross-cutting; max 8), industries >=0.20 (max 6), areas >=0.10 (max 6; areas are keyword-matched and sparse), capabilities L1 >=0.20 (max 8); derive-market-taxonomy.py
Leaders by position (provisional)
Provisional: grouped by position, depth compared within a position only. Distribution (cloud marketplaces) and iPaaS bridges are counted beside position, never inside it. Unknown-builder listings are left out of position shares and counted here.
gravity 1 · other companies invest to build on it
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Square | 52.9 | 80 | 33 / 47 | 0 | 4 | 35 | partner-built 44%, provider-built 1%, ipaas-bridge 43%, contract 2%, standard 2%, builds-on-platform 1%, distribution 5% |
regulated 72 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| East West Bancorp | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Flagstar | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Popular | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Texas Capital Bank | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Wells Fargo | 56.5 | 8 | 0 / 8 | 0 | 0 | 0 | contract 62%, standard 25%, builds-on-platform 12% |
| USAA | 55.8 | 4 | 0 / 4 | 0 | 0 | 0 | contract 50%, standard 25%, covered 25% |
| Axos Bank | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| BMO | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| Golden 1 Credit Union | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| PNC | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| US Bancorp | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| BNY Mellon | 51.4 | 4 | 0 / 4 | 0 | 1 | 0 | contract 75%, distribution 25% |
| Alliant Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Atlantic Union Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank of Hawaii | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank OZK | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| BOK Financial | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| City National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Columbia Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Cullen/Frost Bankers | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Customers Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| First Hawaiian Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| First Horizon | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| HSBC USA | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| MidFirst Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Northern Trust | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Old National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Prosperity Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Randolph-Brooks FCU | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Raymond James Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Sallie Mae Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| SchoolsFirst FCU | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| State Employees' Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Valley National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| VyStar Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| JPMorgan Chase | 37.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| BECU | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Citizens Financial Group | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Huntington Bancshares | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| M&T Bank | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Mountain America Credit Union | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Navy Federal Credit Union | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Regions Financial Corporation | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Varo Bank | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Column | 21.7 thin | 2 | 0 / 2 | 0 | 0 | 1 | ipaas-bridge 50%, contract 50% |
| Alliance Data Systems (Bread Financial Holdings) | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Ally Financial | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| America First Credit Union | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Associated Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| BankUnited | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| BB&T Corp (Truist) | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Commerce Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| DCU (Digital Federal Credit Union) | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| EverBank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Fifth Third Bancorp | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| First Tech Federal Credit Union | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| F.N.B. Corporation | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| KeyCorp | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Lead Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Live Oak Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Nave Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| PenFed Credit Union | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Pinnacle Financial | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Security Service Federal Credit Union | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| SoFi Technologies | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| South State | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Suncoast Credit Union | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| UBS Bank USA | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| UMB Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Western Alliance Bancorporation | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| WSFS Financial | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Zions Bancorporation | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
standard 4 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Bank of America | 56.7 | 7 | 0 / 7 | 0 | 0 | 0 | contract 43%, standard 57% |
| Citigroup | 56.2 | 3 | 0 / 3 | 0 | 0 | 0 | standard 100% |
| Capital One | 53.7 | 5 | 0 / 5 | 0 | 0 | 0 | contract 20%, standard 60%, builds-on-platform 20% |
| TD Bank | 53.2 | 4 | 0 / 4 | 0 | 0 | 0 | contract 25%, standard 75% |
mixed 1 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| American Express | 54.6 | 11 | 0 / 11 | 0 | 0 | 0 | contract 45%, standard 45%, builds-on-platform 9% |
undeclared 7 · declares nothing we can read: no number
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Cadence Bank | undeclared | - | - | - | - | - | |
| Comerica | undeclared | - | - | - | - | - | |
| Heartland Financial USA | undeclared | - | - | - | - | - | |
| Protego Trust Bank | undeclared | - | - | - | - | - | |
| Santander US | undeclared | - | - | - | - | - | |
| Synovus Financial | undeclared | - | - | - | - | - | |
| Webster Bank | undeclared | - | - | - | - | - |
Top workflows by market votes
Workflows (Arazzo) and their phrasing are generated by API Evangelist, ranked by market votes (integration edges in the graph, weighted by channel).
In-market workflows only: a step on the market provider's side maps to this market's business capabilities (), and the partner is not a generic export/notify app. Other workflows are counted as bridges (including any whose steps do not resolve to a capability yet). Methodology. In-market: 10; bridges: 0.
| Workflow | Between | Votes | Weighted | Arazzo |
|---|---|---|---|---|
| Create clients in Trainerize when new customers are added in Square Create clients in Trainerize when new customers are added in Square |
Square ↔ ABC Trainerize | 2 | 0.8 | workflow generated by API Evangelist |
| Create contacts in Constant Contact from new Square customers Create contacts in Constant Contact from new Square customers |
Square ↔ Constant Contact | 2 | 0.8 | workflow generated by API Evangelist |
| Shopify |
Square ↔ Shopify | 2 | 0.8 | workflow generated by API Evangelist |
| Add new Square customers to Mailchimp Add new Square customers to Mailchimp |
Square ↔ Mailchimp | 1 | 0.4 | workflow generated by API Evangelist |
| Airtable |
Square ↔ Airtable | 1 | 0.4 | workflow generated by API Evangelist |
| Brevo |
Square ↔ Brevo | 1 | 0.4 | workflow generated by API Evangelist |
| Create Square customers from new Acuity Scheduling appointments Create Square customers from new Acuity Scheduling appointments |
Square ↔ Acuity Scheduling | 1 | 0.4 | workflow generated by API Evangelist |
| Notion |
Square ↔ Notion | 1 | 0.4 | workflow generated by API Evangelist |
| Save new Square transactions to Google Sheets rows Save new Square transactions to Google Sheets rows |
Square ↔ Google Sheets | 1 | 0.4 | workflow generated by API Evangelist |
| WooCommerce |
Square ↔ WooCommerce | 1 | 0.4 | workflow generated by API Evangelist |
Generated 2026-10-24 from API Evangelist's own files; nothing on this page is a model's judgement. Provisional and unweighted; not part of the Kin Score composite or agent readiness. Read the Market layer methodology. Disagree with an edge? Every edge cites its evidence and can be corrected through the normal correction path.