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Security report for neighborsbank.com

Neighbors Bank · Finance · United States

Medium risk. 4 critical or high findings in Security headers and GDPR outside view.

Security score

61/100

Risk levelMedium

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

Neighbors Bank is a medium-sized financial institution specializing in home loans and savings products, targeting underserved borrowers across the United States. With over 80 years of experience and a strong regional presence, the bank offers USDA, FHA, Conventional, and VA loans alongside competitive savings accounts. The website reflects a professional and trustworthy brand with clear navigation, comprehensive content, and strong trust indicators such as FDIC insurance and NMLS registration. Technically, the site employs a modern tech stack including jQuery, Google Analytics, Marketo, and Akamai service workers, hosted primarily on AWS infrastructure. However, the security posture is weakened by the absence of a valid SSL certificate, lack of security headers, and missing HSTS, which are critical issues that must be addressed to protect user data and maintain trust. Privacy compliance is well-handled with clear policies and consent mechanisms, though GDPR compliance is not explicitly indicated. Overall, the site is functional and professional but requires urgent security improvements to meet industry standards.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

4 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 X-Frame-Options header

      Prevents clickjacking attacks

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

    • 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. 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

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

Keep watching neighborsbank.com

This scan found 16 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

€25per month

  • 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
50
Security headers
15
Email security
50
DNS health
90
Network security
100
GDPR outside view
58
Average
61

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

Neighbors Bank operates in the competitive mortgage and savings market, focusing on accessibility and affordability for underserved customers. Its business model revolves around providing specialized loan products with low down payments and high-yield savings accounts. The bank leverages partnerships with mortgage research and veterans' loan providers to enhance its offerings. The presence of extensive customer testimonials and clear contact information supports strong customer engagement. The company is part of Columbia Bancshares, Inc., indicating a stable corporate structure. The website's content and marketing tools suggest a mature digital marketing strategy aimed at lead generation and customer conversion.

Security posture

The current security posture of neighborsbank.com is suboptimal due to the lack of a valid SSL certificate, which is a fundamental requirement for secure web communications. The absence of HTTP security headers and HSTS further exposes the site to risks such as man-in-the-middle attacks and clickjacking. DNSSEC is not enabled, and CAA records are malformed, reducing DNS security. While no critical vulnerabilities like Heartbleed or POODLE are detected, the invalid SSL undermines user trust and data protection. Forms are protected by 256-bit SSL encryption in principle, but the invalid certificate negates this benefit. The site uses reputable third-party analytics and marketing tools, which require careful privacy management. Incident response and vulnerability disclosure policies are not found, indicating potential gaps in security governance.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS and secure user data.
  2. Implement HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to mitigate common web attacks.
  3. Enable HSTS with includeSubDomains and preload to enforce secure connections.
  4. Correct DNS CAA records and enable DNSSEC to improve DNS security and certificate issuance control.
  5. Publish a vulnerability disclosure policy and incident response contact information to enhance security transparency and readiness.
  6. Regularly audit third-party scripts and marketing tools for privacy compliance and security risks.
  7. Enhance GDPR compliance disclosures and mechanisms if targeting EU residents.

Contact details published on the site

Addresses
Legal name
Columbia Bancshares, Inc.
Registration number
NMLS #491986
Technical notes

Notes

The website is built on a modern and diverse technology stack including jQuery, Bootstrap, Google Analytics, Google Tag Manager, Marketo Munchkin, Akamai service workers, and Lottie animations. Hosting is on AWS infrastructure as indicated by DNS records. Performance is slow with a load time of over 24 seconds and a large page size (~788 KB) with 251 resources, indicating potential optimization opportunities. The site is mobile optimized and accessible with good SEO practices including meta tags and structured data. However, the invalid SSL certificate and missing security headers represent significant technical debt and risk. The extensive use of third-party scripts requires ongoing management to avoid performance and security degradation.
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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