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Security report for celticbank.com

Celtic Bank · Finance · United States

Low risk. 2 critical or high findings in GDPR outside view.

Security score

78/100

Risk levelLow

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

Celtic Bank is a medium-sized financial institution specializing in commercial financing and SBA loans, positioning itself as a top ten SBA Preferred Lender in the United States. The company offers a broad range of loan products tailored to small and medium business needs, including SBA 7(a), 504 loans, construction financing, equipment financing, and specialty loans such as renewable energy and supply chain financing. Their market position is strengthened by detailed customer testimonials, case studies, and a professional online presence. Technically, the website leverages modern frameworks like React and Next.js with a headless WordPress backend, hosted behind Cloudflare, ensuring a contemporary digital infrastructure. However, the SSL certificate is invalid and no TLS protocols are enabled, which is a critical security flaw. Security headers are well implemented but some security best practices need improvement, including enabling OCSP stapling and session resumption. Privacy compliance is basic, with no cookie consent mechanism despite the use of tracking and advertising scripts. Overall, the website is professional and credible but requires urgent security fixes to protect user data and maintain trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
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

2 findings rated critical or high. Fix these first.

  1. 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 celticbank.com

This scan found 11 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
100
Security headers
90
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
Average
78

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

Celtic Bank targets small to medium-sized business owners seeking commercial financing solutions, with a strong focus on SBA loan products. Their business model revolves around in-house underwriting and approval, enabling faster loan processing. The company maintains a diverse loan portfolio addressing various business needs such as acquisitions, working capital, construction, and equipment financing. Their content strategy includes educational blog posts, detailed loan descriptions, and customer testimonials, which enhance credibility and customer engagement. Partnerships with technology and marketing platforms like Podium, Wistia, and Google services support their digital marketing efforts. The company’s strategic use of social media and case studies indicates a mature marketing approach aimed at building trust and expanding market reach.

Security posture

The website demonstrates a moderate security maturity level with several positive indicators such as a comprehensive Content Security Policy, strict transport security headers, and permissions policies restricting sensitive device features. However, the invalid SSL certificate and absence of enabled TLS protocols represent critical vulnerabilities that expose users to potential data interception and man-in-the-middle attacks. The lack of OCSP stapling and session resumption further weakens the SSL/TLS security posture. The disabled X-XSS-Protection header suggests reliance on modern browser protections but may leave some older browsers vulnerable. No explicit incident response or security policy information is found, indicating potential gaps in security governance and readiness. Privacy compliance is limited, with no cookie consent mechanism despite active tracking technologies, which may pose regulatory risks.

Recommendations

  1. Immediately fix and renew the SSL certificate and enable TLS 1.2 and 1.3 protocols to secure all communications.
  2. Implement a cookie consent banner and mechanism to comply with privacy regulations and inform users about tracking.
  3. Enable OCSP stapling and session resumption to improve SSL performance and security.
  4. Review and enable appropriate XSS protection headers or implement Content Security Policy enhancements.
  5. Develop and publish a formal security policy and incident response plan accessible on the website to improve transparency and preparedness.

Contact details published on the site

Addresses
Legal name
Celtic Bank
Technical notes

Notes

The website is built on a modern technology stack including React and Next.js for frontend rendering, with a headless WordPress CMS backend hosted on WP Engine. Cloudflare provides CDN and security services. The site uses multiple third-party services for analytics, marketing, and video hosting such as Google Analytics, Google Tag Manager, Podium, Wistia, and Facebook SDK. Despite modern frameworks, performance data is missing, preventing full assessment of load times and resource efficiency. The site is mobile optimized with responsive images and layouts. SEO is well implemented with meta tags, Open Graph, and JSON-LD structured data. Accessibility features are basic but present. The invalid SSL certificate and disabled TLS protocols represent significant technical debt and risk that must be addressed urgently to maintain operational integrity and user trust.
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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