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Is freelandstatebank.com a Scam? Security Check Results - Thumb Bank & Trust

freelandstatebank.com Security Report Summary

freelandstatebank.com received a security score of 66 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Thumb Bank & Trust's website security posture. Thumb Bank & Trust operates in the Finance industry in United States.

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.

The security scan identified 28 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery, jQuery UI, Google Maps API, Cookiebot, Google Tag Manager, ASP.NET Web Forms.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and business-context intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is freelandstatebank.com Safe? Security Analysis for Thumb Bank & Trust

https://www.freelandstatebank.com/

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FinanceUnited Statesmedium
jQueryjQuery UIGoogle Maps APICookiebotGoogle Tag Manager+1 more
Analyzed Completed
66
Security Score
MEDIUM RISK

Below Finance avg (78)

GDPR-aligned

Data handling

EU

Hosting region

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AI Summary

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.

Detected Technologies

jQueryjQuery UIGoogle Maps APICookiebotGoogle Tag ManagerASP.NET Web Forms

8 urgent findings need attention

8 high

Continuous monitoring

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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

6 findings

40/100

GDPR Compliance

2 findings

83/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

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 Analysis

Comprehensive Security Assessment

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.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and verify comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.

Observations

Comprehensive website and business-context analysis.

AI-Enhanced Website Analysis

Business Insights

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 SavingsLoans (Mortgage, Consumer, Student)Business Deposits and LoansTreasury ManagementAgribusiness LoansInvestment and Trust Services
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQueryjQuery UIGoogle Maps APICookiebotGoogle Tag ManagerASP.NET Web Forms
Frameworks:
ASP.NET
Platforms:
Windows Server (implied by ASP.NET)
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • CSRF token present in forms (__RequestVerificationToken)
  • Cookie consent mechanism implemented
  • Fraud alert prominently displayed

Analytics & Tracking

Services:
Google AnalyticsCrazyEgg
Tracking Level:extensive
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
AdswizzBeachfrontBidswitchDatonicsOpenxSimpli.fiTapadThe Nielsen CompanyTriplelift
Tracking Pixels:
GoogleCrazyEggCookiebotIovationTwitter Inc.EyeotaIntentIQ
Marketing Tools:
Cookiebot
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is a professional banking site with comprehensive personal and business banking services.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

40/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

83/100
Score

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phoneform

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 ip4:167.89.11.238/32 ip4:64.85.163.26/32 ip4:128.136.79.219/32 ip4:66.35.37.82/32 ip4:63.87.197.23/32 ip4:63.193.65.55/32 ip4:104.190.148.42/32 ip4:208.99.239.210/32 include:_custspf.sageworks.com include:spf.smtp2go.com include:spf.cashedge.com in clude:_spf.psm.knowbe4.com include:thumb-bank.spf.smtp25.com -all
DNS Lookups:4/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:[email protected]
Forensic Reports:[email protected]

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

57/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

HSTS Not Enabled

MEDIUM

HTTP Strict Transport Security (HSTS) is not configured

Mixed Content Detected

MEDIUM

2 resources loaded over insecure HTTP

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Domain Age
8 years(mature)
Expiry Risk
low(138 days)
Protection Level
basicDNSSEC OFF

DNS Records

A Records:20.49.97.2
Name Servers:
ns1.encircadns.bank
ns2.encircadns.bank
MX Records:
0: thumb-bank.mail.protection.outlook.com
SOA:Serial: 2408261649, TTL: 1800s

DNSSEC Status

DNSSEC Enabled(Algorithm: 13)

DNS Performance

Resolution Time:37ms

SPF Analysis

SPF Record:
v=spf1 ip4:167.89.11.238/32 ip4:64.85.163.26/32 ip4:128.136.79.219/32 ip4:66.35.37.82/32 ip4:63.87.197.23/32 ip4:63.193.65.55/32 ip4:104.190.148.42/32 ip4:208.99.239.210/32 include:_custspf.sageworks.com include:spf.smtp2go.com include:spf.cashedge.com in clude:_spf.psm.knowbe4.com include:thumb-bank.spf.smtp25.com -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does freelandstatebank.com compare?

See how freelandstatebank.com stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

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.
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Optional add-ons

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Full Report
PDF · email delivery · lifetime access
39.90
Total
Incl. 21% VAT
39.90
Already purchased? Enter unlock code
VisaMastercardApple PayGoogle Payvia EveryPay
SEQ SIA
Reg. No. 40203410806 · VAT LV40203410806

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