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Security report for lukb.ch

Luzerner Kantonalbank · Finance · Switzerland

Low risk. 1 critical or high finding in SSL/TLS.

Security score

83/100

Risk levelLow

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

Luzerner Kantonalbank (LUKB) is a leading regional bank based in Luzern, Switzerland, providing a broad range of financial services including retail banking, mortgages, investment products, and personalized financial advisory. The website targets private customers primarily in the Luzern and Central Switzerland region, emphasizing personal service and innovative banking solutions. The bank maintains a strong market position as a trusted cantonal bank with a professional digital presence. Technically, the website employs modern web technologies such as Google Tag Manager, Cookiebot for consent management, and HTMX for dynamic content. It is well-optimized for mobile devices and accessibility, with good SEO practices and comprehensive metadata. The site uses HTTPS with strong security headers, ensuring secure communications and protecting user data. From a security perspective, the site demonstrates good practices including secure cookie handling, consent mechanisms, and no visible vulnerabilities or exposed sensitive data. However, explicit security policies and incident response information are not publicly detailed, representing an area for improvement. The privacy and cookie policies are comprehensive and GDPR compliant, reflecting a mature approach to data protection. Overall, the website is professional, trustworthy, and secure, with extensive content relevant to its audience. It integrates multiple analytics and marketing tools responsibly, maintaining transparency and user control over data. Strategic recommendations include publishing detailed security policies, vulnerability disclosure mechanisms, and enhancing transparency around data protection officers to further strengthen trust and compliance.

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

1 finding 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

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

Keep watching lukb.ch

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.

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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
77
Security headers
80
Email security
75
DNS health
80
Network security
100
GDPR outside view
83
Average
83

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

LUKB operates as a cantonal bank serving private customers with a focus on regional banking services in Switzerland. Its business model centers on retail banking, mortgage financing, investment management, and financial planning. The bank leverages digital channels effectively to provide e-banking and online account services. Its competitive advantage lies in its regional leadership, personalized advisory services, and comprehensive product offerings. The website reflects a mature digital strategy with integration of analytics and marketing platforms, supporting customer acquisition and engagement. Partnerships with platforms like LinkedIn, Facebook, and Google enhance its marketing reach. The bank's content strategy includes educational resources and market information, supporting customer retention and trust.

Security posture

The website exhibits a strong security posture with enforced HTTPS, robust security headers, and secure cookie practices. Use of Cookiebot ensures compliance with cookie consent regulations. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of publicly available security policies, incident response contacts, or vulnerability disclosure programs indicates room for maturity improvement. The site uses third-party analytics and marketing scripts, which are common but require ongoing monitoring for security risks. Overall, the security maturity is good but could be enhanced by formalizing security governance disclosures and incident management transparency.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and commitments.
  2. Implement and publicize a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  3. Provide clear contact information for a Data Protection Officer or security incident response team.
  4. Regularly audit and update third-party scripts to mitigate supply chain risks.
  5. Enhance transparency around data retention and processing practices to strengthen GDPR compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Luzerner Kantonalbank
Description
Entdecken Sie die vielfältigen Finanzdienstleistungen Ihrer Bank in Luzern und der Zentralschweiz. Persönliche Beratung, innovative Banklösungen und erstklassiger Service.
Key services
Zahlen & Sparen (Payments & Savings), Vorsorgen (Pension & Insurance), Immobilienfinanzierung (Real Estate Financing), Anlegen (Investments), E-Banking, Personalized financial advisory
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Cookiebot, HTMX, JavaScript, CSS, HTML5
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent management
  • No exposed sensitive data in HTML
  • Use of session cookies for security
  • Use of secure cookies (implied by HTTPS and cookie types)

Analytics and tracking

Services
Google Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, LinkedIn Insight Tag, Facebook Pixel
Tracking pixels
LinkedIn Insight Tag, Facebook Pixel, YouTube tracking
Marketing tools
Cookiebot
Transparency
good

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. Comprehensive cookie consent and privacy management implemented.
  3. Multiple social media channels actively linked.
  4. No signs of phishing or malware.
  5. Use of modern web technologies and analytics.
  6. Clear contact and support information provided.
  7. No security or content blocking detected.
Technical notes

Notes

The website uses a modern tech stack including HTML5, CSS, JavaScript, Google Tag Manager, and Cookiebot for consent management. It employs HTMX for dynamic content loading, indicating a progressive enhancement approach. The site is mobile-optimized with responsive design and accessibility features. Performance appears moderate with asynchronous loading of scripts and optimized images. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. The site uses multiple subdomains for specialized services, indicating a modular infrastructure. Technical risks are minimal but include reliance on multiple third-party analytics and marketing services which require ongoing security vigilance.
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

Earlier scans of this domain

  1. 83/100Low24 findingsView report
  2. 83/100Low25 findingsView report
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