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Security report for capstarbank.com

Old National Bank · Finance · United States

Low risk. No critical or high findings.

Security score

81/100

Risk levelLow

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

Old National Bank operates as a regional community bank in the United States, offering a broad range of financial services including savings and checking accounts, mortgages, home equity lines of credit, personal and auto loans, and wealth management. The bank positions itself as a trusted financial partner with a strong community focus. The website reflects a mature digital presence with professional design, clear navigation, and comprehensive content tailored to individual and business customers. The use of multiple analytics and marketing tools indicates a data-driven approach to customer engagement and experience optimization. Security posture is strong with HTTPS enforcement, security headers, and cookie consent mechanisms, although explicit security and incident response policies are not publicly detailed. The absence of WHOIS data is a notable anomaly but does not detract significantly from the overall legitimacy given the brand recognition and content quality. Strategic recommendations include publishing dedicated security policies and vulnerability disclosure information to enhance transparency and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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

No critical or high findings. These medium findings are worth fixing next.

  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.

    • Medium

      Missing X-Content-Type-Options header

      Prevents MIME type sniffing

      What to do: Add "X-Content-Type-Options: nosniff"

      • CAPEC-209
      • ASVS V3.4.4
      • OWASP Secure Headers: OWASP Secure Headers Project recommends X-Content-Type-Options: nosniff
    • Medium

      Missing X-XSS-Protection header

      Legacy XSS protection (deprecated but still recommended)

      What to do: Add "X-XSS-Protection: 1; mode=block"

    • Medium

      Missing Permissions-Policy header

      Controls browser features and APIs

      What to do: Implement a Permissions-Policy to restrict feature access

      • OWASP Secure Headers: OWASP Secure Headers Project recommends Permissions-Policy: accelerometer=(), autoplay=(), camera=(), cross-origin-isolated=(),…

  2. GDPR outside view

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

    • Medium

      Privacy policy may not be GDPR compliant

      Privacy policy lacks explicit GDPR compliance elements

      What to do: Update privacy policy to explicitly address GDPR requirements and user rights

  3. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Medium

      DMARC not enforcing

      DMARC policy is set to "none"

      What to do: Gradually move to "quarantine" then "reject" policy

Keep watching capstarbank.com

This scan found 18 issues across 6 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

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  • 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
100
Security headers
55
Email security
70
DNS health
75
Network security
100
GDPR outside view
88
Average
81

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

Old National Bank holds a significant position in the regional banking sector, targeting retail and commercial customers with a comprehensive suite of financial products. The business model centers on community banking with personalized services and wealth management. The website's content and branding are consistent with a large financial institution, supported by trust signals such as FDIC insurance and professional certifications. The bank leverages partnerships with major analytics and marketing platforms to optimize customer outreach. Growth indicators include a robust online presence and active social media engagement. The lack of WHOIS transparency is unusual but may be due to privacy or registry issues rather than malicious intent. Overall, the bank demonstrates strong operational maturity and market positioning.

Security posture

The website employs strong security measures including HTTPS, modern security headers, and cookie consent compliant with GDPR. The use of Azure Application Insights and Hotjar indicates active monitoring and user behavior analysis. No exposed sensitive data or vulnerable libraries were detected in the provided content. However, the absence of a published security policy or incident response contact limits transparency. There is no evidence of a vulnerability disclosure program or security.txt file, which are best practices for mature security postures. Recommendations include enhancing public security documentation and establishing clear incident response channels to improve readiness and customer trust.

Recommendations

  1. Publish a comprehensive security policy page detailing security practices and controls.
  2. Establish and publicize an incident response contact or team for security issues.
  3. Implement and disclose a vulnerability disclosure program or security.txt file.
  4. Regularly audit and update third-party scripts and analytics tools to mitigate risks.
  5. Enhance WHOIS transparency or provide official domain registration information to improve trust.

Contact details published on the site

Addresses
Legal name
Old National Bank
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Old National Bank
Description
We’re your community bank for savings accounts, checking, mortgages, HELOCs, personal & auto loans and wealth management. Enjoy our top-tier financial services.
Key services
savings accounts, checking accounts, mortgages, home equity lines of credit (HELOCs), personal loans, auto loans, wealth management
Content quality
excellent
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, Hotjar, Azure Application Insights, Optimizely, OneTrust Cookie Consent
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • Cookie consent implemented
  • No exposed sensitive data detected

Analytics and tracking

Services
Google Analytics, Hotjar, Azure Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, LinkedIn Insight Tag, Hotjar
Marketing tools
Optimizely
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well maintained.
  2. Strong focus on banking and financial services.
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. Use of multiple analytics and marketing tools with moderate user tracking.
  5. No signs of adult or questionable content.
  6. WHOIS data unavailable, which is unusual for a major bank domain.
  7. No visible security policy or incident response page.
  8. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website uses a modern technology stack including Google Analytics, Google Tag Manager, Hotjar, Azure Application Insights, Optimizely, and OneTrust for cookie consent management. The site is well optimized for mobile devices and accessibility, with good SEO practices evident from meta tags and structured data. Performance is moderate, likely due to multiple third-party scripts. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not evident from the content. The technical infrastructure supports a professional and secure user experience but could benefit from performance tuning and enhanced transparency on hosting and platform details.
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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