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Security report for holmbank.ee

Holm Bank · Finance · Estonia

Medium risk. 6 critical or high findings in GDPR outside view and Security headers.

Security score

70/100

Risk levelMedium

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

Holm Bank is an Estonian financial institution with approximately 30 years of experience, headquartered in Haapsalu. The bank offers a range of retail and business banking services including loans, credit cards, leasing, and deposits with competitive interest rates. The website targets private individuals and business clients within Estonia, emphasizing personalized service and digital convenience. The site is built on modern web technologies such as Next.js and React, ensuring good mobile optimization and user experience. Security posture is strong with HTTPS enforced and cookie consent implemented, though explicit security headers and policies are not publicly visible. Contact information is clearly provided, enhancing business credibility. Overall, the website reflects a professional and trustworthy banking service with room for improvement in privacy and security disclosures.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

6 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.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

  2. 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

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

Keep watching holmbank.ee

This scan found 20 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

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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
95
Security headers
75
Email security
75
DNS health
65
Network security
100
GDPR outside view
10
Average
70

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

Holm Bank positions itself as a local Estonian bank focused on meeting the needs of individuals and businesses through competitive financial products and digital services. Its business model revolves around retail and business banking with an emphasis on customer proximity and tailored offerings. The bank leverages a modern web platform and maintains consistent branding. The absence of visible third-party advertising or tracking suggests a privacy-conscious approach. The bank's market presence is supported by a domain age consistent with its claimed history, and the website content aligns with its business focus. No parent or subsidiary companies are indicated, suggesting an independent operation.

Security posture

The website demonstrates a solid security foundation with HTTPS enabled and a cookie consent mechanism in place. However, the lack of explicit security headers such as Content Security Policy, HSTS, or X-Frame-Options reduces the overall security maturity. No incident response or security policy information is publicly available, which could hinder transparency and trust in security matters. No vulnerabilities or exposed sensitive data were detected in the analyzed content. The site uses modern frameworks and does not include known vulnerable libraries. Security best practices could be enhanced by publishing security policies and incident response contacts.

Recommendations

  1. Implement and publish explicit security headers (CSP, HSTS, X-Frame-Options) to strengthen browser security.
  2. Add a dedicated security policy page outlining security practices and incident response procedures.
  3. Publish a comprehensive privacy policy and terms of service to improve compliance and user trust.
  4. Enhance accessibility features to improve usability for all users.
  5. Consider integrating analytics with privacy-respecting configurations and disclose data retention policies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Holm Bank
Description
Holm is an Estonian bank from Haapsalu offering personal and business banking services including loans, credit cards, leasing, and deposits with competitive interest rates.
Key services
Loans, Small loans, Refinancing loans, Credit cards, Leasing, Deposits
Content quality
good
Branding
consistent

Technology

Stack
Next.js, React, WebP images, SVG icons, CSS modules, JavaScript ES6+
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent dialog
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is professionally designed and mobile optimized.
  2. Cookie consent mechanism is implemented and visible.
  3. Contact information including phone and email is clearly provided.
  4. No explicit privacy policy or terms of service pages found in the provided content.
  5. No security policy or incident response information is publicly available.
  6. No analytics or advertising scripts detected in the provided HTML.
  7. WHOIS data supports the legitimacy and consistency of the domain ownership.
Technical notes

Notes

The website is built using Next.js and React, indicating a modern and scalable web architecture. It uses WebP images and SVG icons for optimized performance and visual quality. The presence of preloading fonts and CSS suggests attention to performance optimization. The site is mobile responsive and provides a good user experience across devices. No major technical debt or outdated technologies were detected. Hosting and CDN details are not explicitly identified but the domain and content delivery appear stable. SEO is supported by proper meta tags and Open Graph data. Overall, the technical implementation is solid with opportunities to improve security headers and accessibility.
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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