Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder
WB

Welcome Bank (Rural Bank), Inc.

welcomebank.com.ph

Regional and community banksBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,735 of 2,219
its rank by overall score
Place in its category
104th of 148 regional and community banks
Closing balance

Named in

2of 60 answers

by 1 of 4 assistants

Statement note

What this means for Welcome Bank (Rural Bank), Inc.

AI assistants rarely name this regional or community bank: it appears in 2 of 60 answers. Its overall score is 25 out of 100, ranking 1,735th of 2,219, which is lower than the typical company in its sector. The website passes 1 out of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Welcome Bank (Rural Bank), Inc. by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 136th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
25Overall score
  • Visibility13
  • Citations0
  • Sentiment50
  • Site quality60
  • AI readiness7
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
100.0%
of the mentions of it and its 5 peers
AI readiness
1/14
technical checks passed. Typical for its sector: 3
Rank in its sector
294 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Welcome Bank (Rural Bank), Inc. came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Do rural banks provide better interest rates on time deposits than bigger banks?0/4
  2. 02What should I do if my online banking account at a rural bank is locked?0/4
  3. 03Other options besides rural banks for digital checking accounts with low minimum balances?0/4
  4. 04What fees should I expect when opening and maintaining a savings account at a rural bank?0/4
  5. 05Why is my rural bank loan application taking longer than expected to process?0/4
  6. 06Alternatives to rural banks for getting affordable personal loans in rural areas?0/4
  7. 07How can I use a rural bank account to manage finances for a startup?0/4
  8. 08How does a rural bank differ from a commercial bank when it comes to business loan options?0/4
  9. 09Which rural banks offer reliable digital financial services for both individuals and businesses?0/4
  10. 10Pros and cons of opening a checking account at a rural bank vs a credit union?0/4
  11. 11Are there hidden charges associated with rural bank auto loans?1/4
  12. 12What are the best rural banks for personal and small business loans in the US?0/4
  13. 13Is it worth getting a salary loan from a rural bank for short-term financial needs?1/4
  14. 14What financial institutions offer similar services to rural banks for US residents?0/4
  15. 15Best types of rural bank loans for first-time small business owners?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 2/15All assistants: 2/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

An answer that names the company

Gemininamed the company

“Are there hidden charges associated with rural bank auto loans?”

… Processing or Handling Fees: These are charged by the bank or dealer. Welcome Bank, for instance, charges a processing fee of 3% of the approved loan amount [welcomebank.com.ph]. PSBank also has processing fees for various services.

Documentary Stamp Tax: Welcome Bank charges this based on the approved loan amount [welcomebank.com.ph].

Notarial Fees: Fees for notarizing documents are common. Welcome Bank charges P800 for loans below P1 million and P1,000 for P1 million and above [welcomebank.com.ph]. PSBank also has notarial fees for certain certifications [psbank.com …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Share of mentions

CompanyShare
  1. Welcome Bank (Rural Bank), Inc.
    100.0%
  2. Producers Bank
    0.0%
  3. Card SME Bank
    0.0%
  4. EastWest Rural Bank
    0.0%
  5. One Network Bank
    0.0%
  6. Cantilan Bank
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    7
  2. 02
    experian.com
    6
  3. 03
    crestmontcapital.com
    6
  4. 04
    fdic.gov
    5
  5. 05
    nerdwallet.com
    5
  6. 06
    consumerfinance.gov
    4
  7. 07
    stearnsbank.com
    4
  8. 08
    riversedge.bank
    4
  9. 09
    wsj.com
    4
  10. 10
    chime.com
    4

Welcome Bank (Rural Bank), Inc. is in the study as a regional or community bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
2/15
Claude
0/15
OpenAI
0/15
Perplexity
0/15
Market comparisonSection 06

How Welcome Bank (Rural Bank), Inc. compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
13

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
60

How well built the website's own pages are

AI readiness
7

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
25
Ranks 294 of 394. Typical company: 28
Named in answers
3.3%
Ranks 136 of 394. Typical company: 0.0%
AI readiness
7
Ranks 362 of 394. Typical company: 29
Against its categorySection 08

Compared with regional and community banks

148 companies in this category. The gold tick on each bar is the typical company.

Overall score
25
Ranks 103 of 148. Typical company: 27
Named in answers
3.3%
Ranks 38 of 148. Typical company: 0.0%
AI readiness
7
Ranks 140 of 148. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers
Can an AI agent check out here?

Not by itself. Welcome Bank (Rural Bank), Inc. publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
0 of 100
  • robots.txtNot met

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapNot met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
0 of 100
  • AI bot rulesNot met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 0 of 100 · 97% of checks could run · checked on October 9, 2026 · www.welcomebank.com.ph · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

1 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Not metrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
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End of statement
All 2,219 companiesHow we measured this
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