An independent cybersecurity review across many of Pennsylvania’s largest banks reveals a wide range of results. These institutions hold customers’ deposits and financial data, yet many show meaningful gaps in basic email authentication.
Using data from audit.emailmenow.com, we evaluated each bank’s domain across email, website, and network security — including SPF, DKIM, DMARC, MTA-STS/TLS, and security headers.
Cybersecurity Scores of Major Pennsylvania Banks
Overall compliance scores from audit.emailmenow.com. Re-run any domain at the link to verify.
| Rank | Bank | Domain | Overall Score | Performance Level |
|---|---|---|---|---|
| 1 | S&T Bank | stbank.com | 71% | Strong |
| 2 | PNC Bank | pnc.com | 70% | Strong |
| 2 | Mid Penn Bank | midpennbank.com | 70% | Strong |
| 2 | Customers Bank | customersbank.com | 70% | Strong |
| 5 | First National Bank (FNB) | fnb-online.com | 65% | Good |
| 6 | Dollar Bank | dollar.bank | 64% | Good |
| 7 | Penn Community Bank | penncommunitybank.com | 62% | Above Average |
| 8 | Univest | univest.net | 60% | Above Average |
| 8 | Fulton Bank | fultonbank.com | 60% | Above Average |
| 10 | Citizens & Northern (C&N) | cnbankpa.com | 56% | Average |
| 11 | Northwest Bank | northwest.com | 54% | Average |
| 12 | First Keystone Community Bank | firstkeystone.com | 48% | Below Average |
What the Results Reveal
- Scores range from 71% (S&T) down to 48% — a tight cluster reaches the strong tier: S&T (71%), and PNC, Mid Penn, and Customers Bank all at 70%.
- Notably, no Pennsylvania bank in this review falls below 48% — the strongest floor of any state we measured, even though only four reach a strong (70%+) posture.
- Without an enforced DMARC policy, criminals can spoof the bank’s own domain to phish customers or to send fraudulent “wire update” instructions to commercial clients.
Why This Matters for Banks
Banks are bound by the GLBA Safeguards Rule, FFIEC examination guidance, and FDIC/OCC/state oversight. Email authentication (SPF, DKIM, and an enforced DMARC policy) is the single highest-impact control against the business email compromise (BEC) and wire fraud that target bank customers and commercial accounts.
Check any bank’s posture at audit.emailmenow.com/?industry=financial-advisors.
See also — national audit
Recommendations
- Enforce DMARC (
p=reject), strict SPF (-all), and DKIM signing. - Add MTA-STS and website security headers.
- Adopt verified call-back procedures for any change to wiring instructions, and train customer-facing and commercial staff.
Stop fraud before it starts. Run a free Instant Cybersecurity Audit at audit.emailmenow.com/?industry=financial-advisors.
Contact EmailMeNow IT Consulting for help with GLBA-aligned email security hardening.
Source & methodology: Overall compliance scores from the free scan at audit.emailmenow.com — each domain checked for email authentication (SPF, DKIM, DMARC), transport security (MTA-STS/TLS), website security headers, and network security. Re-run any domain at the link to verify.