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Security report for mtb.com

M&T Bank · Finance · United States

Low risk. 1 critical or high finding in GDPR outside view.

Security score

87/100

Risk levelLow

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

M&T Bank is a large regional financial institution focused on providing personal, business, and commercial banking services with a community bank approach. The website reflects a mature digital presence with comprehensive banking, mortgage, loan, and investment services targeted at individuals and businesses primarily in the United States. The company maintains a consistent brand image and active social media channels, reinforcing its market position as a trusted banking partner. Technically, the website leverages modern technologies including Adobe Experience Manager CMS, Google Tag Manager, reCAPTCHA, and various marketing and analytics tools such as Quantum Metric and Tealium. The site is well-optimized for mobile devices and accessibility, with good SEO practices and fast loading times. Security best practices are observed with HTTPS enforcement, security headers, and form protections, although explicit security policies and incident response information are not publicly detailed. The security posture is strong with no evident vulnerabilities or exposed sensitive data. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. However, the WHOIS data for the domain is missing or unavailable, which is unusual for a major bank and warrants monitoring. Overall, the website presents a low risk profile with strong business credibility and technical maturity. Strategic recommendations include publishing detailed security and incident response policies, adding a vulnerability disclosure program, enhancing transparency on data protection officer contacts, and continuous auditing of third-party scripts to maintain security integrity.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 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

1 finding 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.

    • 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

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Keep watching mtb.com

This scan found 11 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
100
Security headers
90
Email security
72
DNS health
85
Network security
100
GDPR outside view
73
Average
87

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention mtb.com, from OffSeq Breach.

Total records
41,474
Employees
4
Customers
27,248
Third parties
14,222
Weak passwords
5%

Latest record dated 2026-06-18 · 71 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for mtb.com.

Select it in the checkout above.

Masked preview

  • –mtb.com2026-06-18
  • –mtb.com2026-06-15
  • –mtb.com2025-08-31
  • –www3.mtb.com2025-07-03

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Open in Breach(opens in a new tab)Monitor on Breach(opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

M&T Bank operates as a community-focused regional bank offering a broad range of financial services including personal and business banking, mortgages, loans, and investments. The bank targets retail and commercial customers, emphasizing a community banking model that differentiates it from larger national banks. Its digital presence supports customer acquisition and service delivery with a professional website and active social media engagement. The business model relies on traditional banking revenue streams supplemented by digital channels. The company appears well-positioned in its market with a strong brand and consistent messaging. Partnerships and subdomains such as investor relations and location finders support operational transparency and customer convenience.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and multiple security headers implemented, including Content Security Policy and Strict-Transport-Security. Forms are protected with Google reCAPTCHA to mitigate automated abuse. No exposed credentials or sensitive data were detected in the HTML content. However, the absence of a publicly available security policy or incident response plan reduces transparency. There is no evidence of a vulnerability disclosure program or security.txt file, which are recommended best practices. Overall, the security maturity is good, but improvements in policy transparency and formal vulnerability handling would strengthen the posture.

Recommendations

  1. Publish a comprehensive security policy and incident response plan on the website.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear contact information for the Data Protection Officer or security team.
  4. Regularly audit and update third-party scripts and libraries to avoid vulnerabilities.
  5. Enhance transparency around data retention and privacy compliance practices.

Contact details published on the site

Addresses
Legal name
M&T Bank Corporation
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
M&T Bank
Description
With a community bank approach, M&T Bank helps people reach their personal and business goals with banking, mortgage, loan and investment services.
Key services
Personal banking, Business banking, Commercial banking, Mortgage services, Loans, Investment services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Google reCAPTCHA, Facebook Pixel, Quantum Metric, Bing Ads, LinkedIn Insight Tag, Ketch Consent Management
Frameworks
Bootstrap
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA for forms
  • Content Security Policy implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Quantum Metric, Tealium
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Bing Ads, Facebook Ads, LinkedIn Ads
Tracking pixels
Facebook Pixel, Quantum Metric, Tealium
Marketing tools
Tealium, Quantum Metric, Ketch Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge
  2. Professional banking website with comprehensive services
  3. Strong use of modern analytics and marketing technologies
  4. Good privacy and cookie policies with consent mechanisms
  5. No explicit security policy or incident response info found
  6. WHOIS data missing or unavailable, which is unusual for a major bank domain
  7. No suspicious or malicious content detected
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, indicating a robust enterprise-grade content management platform. It uses Bootstrap for responsive design and integrates multiple third-party analytics and marketing tools such as Google Tag Manager, Quantum Metric, Tealium, and Facebook Pixel. The site is optimized for mobile devices and accessibility, with good SEO metadata and structured data markup. Performance is moderate with asynchronous loading of scripts to improve speed. The technical infrastructure supports a secure and user-friendly banking experience, though hosting provider details are not explicitly identified. Continuous monitoring and modernization of the tech stack will help maintain performance and 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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