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Security report for bankofmontana.com

Bank of Montana · Finance · United States

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

64/100

Risk levelMedium

0–100, higher is better. How it is calculated

Bank of Montana is a well-established regional financial institution specializing in business and private banking services, with a strong market position in Montana and surrounding states. The bank offers a range of specialized loan products including multifamily financing, aviation financing, and small business loans, supported by government-enhanced loan programs. Recognized as one of MSN Money's safest banks, it targets entrepreneurs and business clients seeking tailored financial solutions. The website reflects a professional and consistent brand image with clear navigation and relevant content for its audience. Technically, the website is built on WordPress with modern technologies such as jQuery and Modernizr, and integrates accessibility tools like AudioEye. Hosting and DNS are managed via Cloudflare, ensuring good performance and security. SEO and accessibility optimizations are evident, though some improvements in cookie consent and security headers could enhance compliance and security posture. Security-wise, the site enforces HTTPS and uses clientTransferProhibited domain status, but lacks DNSSEC and some security headers. There is no visible security policy or incident response contact information, which could be improved to bolster trust and compliance. No critical vulnerabilities or WAF blocking were detected, indicating a stable security baseline. Overall, the website and domain demonstrate high business credibility and a solid technical foundation, with moderate privacy compliance and security posture. Strategic enhancements in privacy mechanisms and security policies would further strengthen the bank's digital trustworthiness and regulatory adherence.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

Need hands-on remediation? Email guard@offseq.com

Keep watching bankofmontana.com

This scan found 22 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
37
Security headers
15
Email security
100
DNS health
80
Network security
100
GDPR outside view
53
Average
64

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Bank of Montana operates as a medium-sized essential entity in the banking sector, focusing on business and private banking services with niche expertise in multifamily and aviation financing. Its competitive advantage lies in specialized government-backed loan programs and personalized private banking services. The bank's revenue streams likely include interest income from loans, fees from banking services, and premium private banking memberships. Target customers are entrepreneurs, small to medium businesses, and private clients in Montana and nearby regions. The company maintains a strong partnership ecosystem, including government agencies and export-import bank programs. Growth indicators include recognition as a safe bank and expansion of specialized loan offerings. The website supports these insights with detailed service descriptions and client testimonials.

Security posture

The security maturity level of Bank of Montana's website is moderate to good. HTTPS is enforced, and domain registration practices are consistent and transparent. The use of Cloudflare DNS and CDN adds a layer of protection, though DNSSEC is not enabled, representing a potential risk. The site integrates accessibility compliance tools but lacks explicit security headers and documented security policies or incident response contacts. No exposed sensitive data or vulnerable libraries were detected. Compliance with GDPR and other privacy regulations is partial, with a privacy policy present but no cookie consent mechanism. The absence of a vulnerability disclosure policy and security.txt file indicates room for improvement in transparency and incident management readiness. Overall, the security posture is adequate for a financial institution's public website but could be enhanced with additional controls and disclosures.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
  2. Implement comprehensive security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Add a cookie consent banner/mechanism to comply with privacy regulations like GDPR and CCPA.
  4. Publish a clear security policy and incident response contact information on the website.
  5. Consider adding a vulnerability disclosure policy or security.txt file to improve transparency and security culture.

Contact details published on the site

Addresses
Legal name
Bank of Montana
Registration number
NMLS #403574
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Bank of Montana
Description
Bank of Montana is a Montana-based bank specializing in business banking, private banking, multifamily financing, aviation financing, small business loans, and export-import bank guaranteed lending. It is recognized as one of MSN Money's 359 Safest Banks in America and the only one in Missoula.
Key services
Private Banking, Multifamily Financing, Aviation Financing, Small Business Loans, Export Import Bank Guaranteed Lending
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.12.4, Modernizr 2.7.0, Google Analytics (ga.js), AudioEye accessibility scripts, Yoast SEO plugin
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • ClientTransferProhibited domain status
  • Accessibility compliance via AudioEye

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Marketing tools
Yoast SEO
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and content rich for a regional bank.
  2. Strong focus on business banking and specialized loan products.
  3. Good accessibility compliance with AudioEye integration.
  4. No explicit privacy cookie banner found, which may be a compliance gap.
  5. No visible security.txt or vulnerability disclosure policy.
  6. No explicit security policy or incident response contact information.
  7. Domain is well established and consistent with business claims.
Technical notes

Notes

The website is built on WordPress CMS using a modern tech stack including jQuery and Modernizr, with SEO optimized via Yoast plugin. Hosting and DNS are managed through Cloudflare, providing CDN and security benefits. Performance is moderate with good mobile optimization and accessibility features via AudioEye integration. The site uses Google Analytics for user tracking but lacks advanced privacy controls like cookie consent. Technical debt appears low, but enabling DNSSEC and adding security headers would modernize the security posture. The site structure and navigation are clear and professional, supporting a positive user experience. Opportunities exist to enhance privacy compliance and security transparency.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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