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Security report for freelandstatebank.com

Thumb Bank & Trust · Finance · United States

Medium risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

74/100

Risk levelMedium

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

Thumb Bank & Trust is a well-established regional financial institution based in Michigan, with over 120 years of history providing personal and business banking services. The website reflects a mature business with a comprehensive suite of banking products including deposits, loans, treasury management, investments, and trust services. The bank targets both individual consumers and businesses, emphasizing community banking values and financial literacy. Technically, the site is built on a mature ASP.NET/DNN platform with modern JavaScript libraries and integrates third-party services for analytics, advertising, and cookie consent management. Security posture is solid with HTTPS, CSRF protections, and a visible fraud alert, though some security headers could be improved. Privacy compliance is strong with clear policies and consent mechanisms. Overall, the site projects professionalism and trustworthiness appropriate for a financial institution.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

3 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 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. 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 freelandstatebank.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.

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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

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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
57
Security headers
40
Email security
85
DNS health
80
Network security
100
GDPR outside view
83
Average
74

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 and a long-standing market presence. Its business model is traditional community banking with diversified revenue streams from deposits, loans, and investment services. The website indicates strategic partnerships for mortgage processing and online banking platforms. The target customer segments include local individuals, businesses, and agricultural clients. The presence of extensive cookie and privacy disclosures suggests a mature compliance posture. The bank's competitive advantage lies in its local heritage, FDIC insurance, and comprehensive service offerings. Growth indicators include digital banking capabilities and educational resources. The partnership ecosystem includes mortgage and secure banking service providers.

Security posture

The website demonstrates a good security maturity level with HTTPS enforced, CSRF tokens in forms, and a cookie consent mechanism aligned with GDPR. The prominently displayed fraud alert indicates active risk awareness. However, the absence of explicit security headers like Content-Security-Policy and X-Frame-Options suggests room for improvement. No vulnerabilities or exposed sensitive data were detected in the analysis. Incident response and security policy information are not publicly available, which is a common gap but recommended for enhancement. Overall, the security posture is adequate for the banking sector but could benefit from additional hardening and transparency.

Recommendations

  1. Implement and verify comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and trust.
  3. Conduct regular third-party script audits to ensure no vulnerable or outdated libraries are used.
  4. Enhance accessibility features to meet WCAG standards for broader user inclusivity.
  5. Maintain and update privacy and cookie policies regularly to reflect evolving regulations and practices.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Thumb Bank & Trust
Description
For over 120 years, Thumb Bank & Trust has committed to providing state-of-the-art banking products to its customers in downtown Pigeon, Michigan.
Key services
Personal Checking and Savings, Loans (Mortgage, Consumer, Student), Business Deposits and Loans, Treasury Management, Agribusiness Loans, Investment and Trust Services
Content quality
good
Branding
consistent

Technology

Stack
jQuery, jQuery UI, Google Maps API, Cookiebot, Google Tag Manager, ASP.NET Web Forms
Frameworks
ASP.NET
Platforms
Windows Server (implied by ASP.NET)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • CSRF token present in forms (__RequestVerificationToken)
  • Cookie consent mechanism implemented
  • Fraud alert prominently displayed

Analytics and tracking

Services
Google Analytics, CrazyEgg
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Adswizz, Beachfront, Bidswitch, Datonics, Openx, Simpli.fi, Tapad, The Nielsen Company, Triplelift
Tracking pixels
Google, CrazyEgg, Cookiebot, Iovation, Twitter Inc., Eyeota, IntentIQ
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is a professional banking site with comprehensive personal and business banking services.
  2. Strong cookie consent and privacy policy presence indicating GDPR compliance.
  3. Use of multiple third-party advertising and tracking services with clear disclosure.
  4. Secure login portals for personal and business customers with CSRF protection.
  5. No WHOIS data publicly available, typical for privacy protection in banking sector.
  6. No WAF or blocking detected; site fully accessible.
  7. Good mobile optimization and navigation structure.
  8. Fraud alert prominently displayed indicating active security awareness.
Technical notes

Notes

The website is built on the DotNetNuke CMS platform using ASP.NET Web Forms technology, supported by jQuery and Google Maps API. It integrates Cookiebot for cookie consent and Google Tag Manager for analytics and marketing tags. The site shows moderate performance and good mobile optimization. The technical stack is mature but not cutting-edge, suitable for a stable banking environment. There is some technical debt implied by legacy ASP.NET Web Forms usage, but the site is functional and professionally maintained. Opportunities exist for modernization and improved accessibility compliance.
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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