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Security report for ctbi.com

Community Trust Bancorp, Inc. · Finance · United States

Low risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

78/100

Risk levelLow

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

Community Trust Bancorp, Inc. operates Community Trust Bank, a regional financial institution primarily serving Kentucky and surrounding areas. The bank offers a comprehensive suite of personal, business, mortgage, and investment banking services, supported by online and mobile banking platforms. The company is publicly traded on NASDAQ under the symbol CTBI, indicating a mature market presence and regulatory compliance. The website reflects a professional banking institution with clear navigation, investor relations information, and multiple service offerings tailored to retail and commercial customers. Technically, the website is built on the DNN CMS platform, leveraging modern web technologies such as Bootstrap, jQuery, and FontAwesome. It integrates Google Analytics and Google Tag Manager for tracking and marketing purposes. The site is mobile responsive and provides secure online banking access via embedded iframes. However, some security best practices like explicit security headers and cookie consent mechanisms could be improved. From a security perspective, the site enforces HTTPS and provides security policy information, but lacks visible incident response or vulnerability disclosure policies. The absence of WHOIS data is a concern but may be due to query limitations or privacy protection. Overall, the site demonstrates a solid security posture with room for enhancement in transparency and compliance. The overall risk assessment is moderate to low, with recommendations to improve privacy compliance, publish incident response details, and enhance security headers. These steps will strengthen trust and regulatory adherence, supporting the bank's reputation and customer confidence.

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

4 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 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

  3. 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

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

Keep watching ctbi.com

This scan found 17 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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Full report

€39.90one-time

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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
82
Security headers
70
Email security
85
DNS health
80
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

Community Trust Bancorp, Inc. holds a strong regional position as a community bank with diversified financial services including personal and business banking, mortgage lending, wealth management, and financial advisory. Its NASDAQ listing and investor relations presence indicate a publicly accountable entity with growth ambitions. The bank leverages partnerships for credit card services and check ordering, enhancing its product offerings. The target market includes individuals, families, small businesses, and institutions primarily in Kentucky. The business model focuses on traditional banking complemented by digital services, aiming to balance personalized local service with modern convenience. Growth indicators include active promotions, employment opportunities, and a comprehensive online presence. The partnership ecosystem includes financial service providers and technology vendors supporting online banking and payments.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and secure login mechanisms for online banking. The presence of a dedicated security policy page and third-party website disclaimers reflects awareness of security and privacy concerns. However, the lack of explicit security headers such as Content Security Policy, HSTS, and X-Frame-Options reduces defense-in-depth. No incident response or vulnerability disclosure information is publicly available, which limits transparency and readiness perception. The absence of a security.txt file and cookie consent banner indicates gaps in compliance with modern privacy regulations like GDPR. No vulnerabilities or exposed sensitive data were detected in the content. Overall, the security maturity is good but could be improved by adopting additional security headers, publishing incident response procedures, and enhancing privacy compliance.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options to strengthen browser security.
  2. Add a cookie consent banner and detailed cookie policy to improve GDPR and privacy compliance.
  3. Publish an incident response plan and vulnerability disclosure policy to increase transparency and trust.
  4. Create and host a security.txt file to facilitate responsible vulnerability reporting.
  5. Enhance accessibility features to meet WCAG standards and improve user experience for all users.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Community Trust Bancorp, Inc.
Description
Community Trust Bank is a financial institution offering personal, business, and mortgage banking services including online banking, loans, and local customer support primarily serving Kentucky and surrounding areas.
Key services
Personal Banking, Business Banking, Mortgage Loans, Online Banking, Wealth & Trust Management, Financial Services
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap 4.6, FontAwesome, Google Analytics, Google Tag Manager, DNN (DotNetNuke) CMS
Frameworks
Bootstrap
Platforms
Windows Server (likely), ASP.NET
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login iframe for online banking
  • Security policy page available
  • Third party website disclaimers

Analytics and tracking

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

Advertising

Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and navigation
  2. No WAF or blocking mechanisms detected
  3. Uses modern web technologies and analytics
  4. Strong branding and trust indicators present
  5. No explicit privacy cookie consent banner found
  6. WHOIS data unavailable, which is unusual for a financial institution
  7. Multiple external trusted partner domains linked
  8. Security headers not explicitly detected in provided data
Technical notes

Notes

The website is built on the DotNetNuke (DNN) CMS platform, utilizing Bootstrap 4.6 for responsive design and jQuery for interactive elements. FontAwesome icons are used for UI consistency. Google Analytics and Google Tag Manager are integrated for analytics and marketing tracking. The site uses embedded iframes for secure online banking login, indicating separation of sensitive authentication processes. Performance is moderate with standard web technologies, and mobile optimization is good. SEO is supported by proper meta tags and structured navigation. However, the absence of detected security headers and cookie consent mechanisms suggests areas for technical improvement. Hosting details are not explicitly identified but likely involve Windows-based infrastructure given the ASP.NET framework. Overall, the technical infrastructure supports a professional banking website with opportunities for modernization and enhanced security.
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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