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Security report for cortlandbank.com

Farmers National Bank · Finance · United States

Low risk. 3 critical or high findings in SSL/TLS and GDPR outside view.

Security score

78/100

Risk levelLow

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

Farmers National Bank is a well-established community bank founded in 1887, offering a broad range of personal and business financial services including loans, mortgages, investments, and wealth management. The bank emphasizes local decision-making and personalized customer service, positioning itself as a trusted regional financial institution. The website reflects this with comprehensive service information, community focus, and investor relations transparency. Technically, the site uses modern web technologies such as jQuery, Google Tag Manager, and reCAPTCHA, and is hosted with reputable providers. Accessibility and mobile optimization are well addressed, enhancing user experience. Security posture is generally good with HTTPS enforced and secure login portals; however, DNSSEC is not enabled and security headers are not evident, representing areas for improvement. Privacy compliance is partial, with a privacy policy present but lacking a cookie consent mechanism. Overall, the site is professional, trustworthy, and functional, supporting the bank's business credibility effectively.

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

3 findings rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

  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 cortlandbank.com

This scan found 19 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

€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
69
Security headers
80
Email security
80
DNS health
85
Network security
100
GDPR outside view
53
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

The bank operates in the finance sector with a medium-sized footprint, serving individuals and businesses primarily in local communities. Its business model focuses on community banking with local loan decisions and personalized service, which is a competitive advantage in regional markets. Revenue streams likely include interest from loans, fees from banking services, and investment products. The bank maintains a strong partnership ecosystem including payment processing via paybill.com and marketing support from BrownBoots Interactive. The presence of investor relations and NMLS registration indicates regulatory compliance and transparency. Growth indicators include merger updates and community engagement through blogs and financial literacy resources.

Security posture

The website demonstrates a moderate to good security maturity level. HTTPS is properly implemented, and online banking portals use secure login forms with reCAPTCHA to mitigate automated attacks. The site warns users about phone scams, indicating awareness of social engineering threats. However, the absence of DNSSEC and security headers like Content Security Policy or HSTS reduces the overall security posture. No incident response or security policy pages were found, which could hinder rapid response to security events. Privacy compliance is incomplete due to missing cookie consent mechanisms. No exposed sensitive data or vulnerable libraries were detected in the HTML content. Overall, the security posture is adequate but could be enhanced with additional technical controls and transparency.

Recommendations

  1. Enable DNSSEC on the domain to protect against DNS spoofing and improve DNS security.
  2. Implement and configure security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), X-Frame-Options, and X-Content-Type-Options.
  3. Add a cookie consent banner or mechanism to comply with privacy regulations and improve user transparency.
  4. Publish a dedicated security policy and incident response contact information to enhance trust and preparedness.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerabilities are introduced.

Contact details published on the site

Legal name
Farmers National Banc Corp.
Registration number
NMLS #645623
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Farmers National Bank
Description
Farmers National Bank is a community-focused bank established in 1887, providing personal and business banking services including loans, mortgages, investments, and wealth management.
Key services
Personal Checking & Debit Cards, Savings Accounts, Credit Cards, Personal Loans, Retirement Accounts, Mortgage Center, Home Equity Loans, Business Checking, Business Savings, Business Loans
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, Google Analytics, reCAPTCHA, UserWay Accessibility Widget, Slick Carousel
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Secure online banking login forms
  • Use of reCAPTCHA for forms
  • Warnings about phone scams
  • ClientDeleteProhibited domain status

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Brandcdn
Tracking pixels
Brandcdn, Iesnare
Marketing tools
Brandcdn marketing tags
Transparency
basic

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-structured.
  2. Strong focus on community banking and personalized service.
  3. Multiple secure online banking login portals for consumer and business customers.
  4. Presence of scam alert and updated terms & conditions notifications.
  5. Use of modern web technologies and accessibility tools.
  6. No evidence of security headers in provided data; DNSSEC not enabled.
  7. No explicit cookie consent mechanism detected.
  8. Social media presence on major platforms.
  9. No exposed sensitive data or credentials found in HTML.
Technical notes

Notes

The website is built using a combination of jQuery, Google Tag Manager, Google Analytics, and reCAPTCHA, indicating a modern but not cutting-edge tech stack. It uses BrownBoots CMS, a specialized banking website platform, which supports accessibility and responsive design. Hosting and DNS are managed by reputable providers, though DNSSEC is not enabled. Performance is moderate, with some external dependencies that may affect load times. The site is mobile optimized and includes accessibility features such as skip links and ARIA labels. SEO is supported by proper meta tags, Open Graph, and JSON-LD structured data. Technical risks include missing security headers and lack of cookie consent, which could impact compliance and security posture.
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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