Incident Score: Analysis & Impact (FROCOICHACARCHAGOOFIR1782786669)
The details regarding individual company incidents & reports gives you full view from every side.
Rankiteo Score Impact Analysis
Key Highlights From The Incident Analysis
- Timeline of Charter Bank's Breach and lateral movement inside company's environment.
- Overview of affected data sets, including SSNs and PHI, and why they materially increase incident severity.
- How Rankiteo’s incident engine converts technical details into a normalized incident score.
- How this cyber incident impacts Charter Bank Rankiteo cyber scoring and cyber rating.
- Rankiteo’s MITRE ATT&CK correlation analysis for this incident, with associated confidence level.
Full Incident Analysis Transcript
In this Rankiteo incident briefing, we review the Charter Bank breach identified under incident ID FROCOICHACARCHAGOOFIR1782786669.
The analysis begins with a detailed overview of Charter Bank's information like the linkedin page: https://www.linkedin.com/company/charter-bank, the number of followers: 0, the industry type: Banking and the number of employees: 151 employees
After the initial compromise, the video explains how Rankiteo's incident engine converts technical details into a normalized incident score. The incident score before the incident was 824 and after the incident was 709 with a difference of -115 which is could be a good indicator of the severity and impact of the incident.
In the next step of the video, we will analyze in more details the incident and the impact it had on Charter Bank and their customers.
Citizens Bank recently reported "Cybercrime Surges in 2025–2026: The Shift from Hacking to 'Logging In'", a noteworthy cybersecurity incident.
In 2025, the U.S.
The disruption is felt across the environment, affecting Salesforce, Microsoft 365 and corporate sales software, and exposing 1.5 billion records (ShinyHunters), 275 million records (Canvas) and 11.7 million ID records (ANTS), with nearly ['1.5 billion (ShinyHunters)', '275 million (Canvas)', '11.7 million (ANTS)', '1.8 million (NYC Health + Hospitals)', '6 million (Carnival)'] records at risk, plus an estimated financial loss of $20.9 billion (U.S. in 2025).
Formal response steps have not been shared publicly yet.
The case underscores how teams are taking away lessons such as The weakest link is no longer technology but human trust. Attackers exploit credentials, AI, and supply chains to bypass defenses. Proactive measures like incident-response plans, AI/automation, and zero trust architecture significantly reduce breach costs and detection times, and recommending next steps like Implement multi-factor authentication (MFA) to mitigate credential theft, Adopt zero trust architecture to limit lateral movement and Test and update incident-response plans regularly.
Finally, we try to match the incident with the MITRE ATT&CK framework to see if there is any correlation between the incident and the MITRE ATT&CK framework.
The MITRE ATT&CK framework is a knowledge base of techniques and sub-techniques that are used to describe the tactics and procedures of cyber adversaries. It is a powerful tool for understanding the threat landscape and for developing effective defense strategies.
MITRE ATT&CK® Correlation Analysis
Rankiteo's analysis has identified several MITRE ATT&CK tactics and techniques associated with this incident, each with varying levels of confidence based on available evidence. Under the Initial Access tactic, the analysis identified Valid Accounts (T1078) with high confidence (90%), supported by evidence indicating stolen credentials accounted for 53% of breaches in 2025, Trusted Relationship (T1199) with moderate to high confidence (80%), supported by evidence indicating third-party breaches doubled in 2025, costing $4.91M per incident, Phishing (T1566) with moderate to high confidence (85%), supported by evidence indicating aI-driven phishing boosted success rates by 54% in 2025, and Phishing: Spearphishing Voice (T1566.004) with moderate to high confidence (70%), supported by evidence indicating voice phishing (vishing) enabled attacks on Charter, CarGurus. Under the Execution tactic, the analysis identified User Execution (T1204) with moderate to high confidence (70%), supported by evidence indicating attackers signing in as legitimate users with stolen credentials. Under the Persistence tactic, the analysis identified Valid Accounts (T1078) with moderate to high confidence (80%), supported by evidence indicating average breach detection took 328 days (nearly a year of undetected access). Under the Privilege Escalation tactic, the analysis identified Valid Accounts (T1078) with moderate to high confidence (75%), supported by evidence indicating stolen credentials used to access high-value systems (e.g., Salesforce, Microsoft 365). Under the Defense Evasion tactic, the analysis identified Valid Accounts (T1078) with moderate to high confidence (85%), supported by evidence indicating attackers bypass traditional hacking by logging in as legitimate users and Application Access Token: Token Impersonation/Theft (T1550.001) with moderate confidence (60%), supported by evidence indicating shinyHunters exploited corporate sales software (Salesforce, Microsoft 365). Under the Credential Access tactic, the analysis identified Compromise Accounts (T1586) with high confidence (90%), supported by evidence indicating stolen credentials accounted for 53% of breaches in 2025, Brute Force (T1110) with moderate confidence (50%), supported by evidence indicating weak credential management cited as vulnerability exploited, and Unsecured Credentials: Credentials In Files (T1552.001) with moderate confidence (60%), supported by evidence indicating shinyHunters scraped 1.5B records from corporate sales software. Under the Discovery tactic, the analysis identified Account Discovery (T1087) with moderate to high confidence (70%), supported by evidence indicating attackers accessed high-value targets (healthcare, financial services). Under the Collection tactic, the analysis identified Data from Local System (T1005) with moderate to high confidence (80%), supported by evidence indicating 1.5B records scraped by ShinyHunters from Salesforce, Microsoft 365 and Data from Information Repositories (T1213) with moderate to high confidence (85%), supported by evidence indicating shinyHunters exploited corporate sales software for data scraping. Under the Exfiltration tactic, the analysis identified Exfiltration Over C2 Channel (T1041) with moderate to high confidence (80%), supported by evidence indicating data exfiltration confirmed in ShinyHunters and ransomware attacks and Transfer Data to Cloud Account (T1537) with moderate confidence (60%), supported by evidence indicating shinyHunters exploited Salesforce and Microsoft 365 for data theft. Under the Impact tactic, the analysis identified Data Encrypted for Impact (T1486) with moderate to high confidence (70%), supported by evidence indicating ransomware appeared in 44% of breaches, with 50% involving encryption, Defacement (T1491) with lower confidence (40%), supported by evidence indicating ransomware groups skipped encryption to steal and leak data, and Data Manipulation: Stored Data Manipulation (T1565.001) with moderate confidence (50%), supported by evidence indicating irrevocable biometric data exposed in ANTS breach (France). These correlations help security teams understand the attack chain and develop appropriate defensive measures based on the observed tactics and techniques.
Sources & References
- Charter Bank Rankiteo Cyber Incident Details: https://www.rankiteo.com/company/charter-bank/incident/FROCOICHACARCHAGOOFIR1782786669
- Charter Bank CyberSecurity Rating page: https://www.rankiteo.com/company/charter-bank
- Charter Bank Rankiteo Cyber Incident Blog Article: https://blog.rankiteo.com/frocoichacarchagoofir1782786669-citizens-bank-frost-bank-google-chanel-carnival-coinbase-charter-breach-january-2025/
- Charter Bank CyberSecurity Score History: https://www.rankiteo.com/company/charter-bank/history
- Charter Bank CyberSecurity Incident Source: https://memeburn.com/cybersecurity-data-breach-statistics-2026/
- Rankiteo A.I CyberSecurity Rating methodology: https://www.rankiteo.com/Images/rankiteo_algo.pdf
- Rankiteo TPRM Scoring methodology: https://static.rankiteo.com/model/rankiteo_tprm_methodology.pdf