--- title: The 6th C of Credit description: Your business customers are a prime target for cyber criminals. If their operations are crippled due to ransomware or some other type of cyber attack, this will significantly impact their ability to repay your loan. image: https://insights.bankonitusa.com/hubfs/Blog/boi-pattern-02.jpg --- Sales: [405-653-1920](tel:4056531920) 24/7/365 Support: [1-800-498-8877](tel:18004988877) [Client Portal](https://portal.bankonitusa.com/) [![BankOnITUSA](https://insights.bankonitusa.com/hubfs/BOI-Logo-SVG.svg "BankOnITUSA")](https://www.bankonitusa.com/) - [About](https://www.bankonitusa.com/about/) - [Technology Tour](https://www.bankonitusa.com/about/technology-tour/) - [Solutions](https://www.bankonitusa.com/solutions/) - [Gain Competitive Advantage](https://www.bankonitusa.com/solutions/gain-competitive-advantage/) - [Acheive Operational Efficiency](https://www.bankonitusa.com/solutions/achieve-operational-efficiency/) - [Reduce Risk](https://www.bankonitusa.com/solutions/reduce-risk/) - [Client Stories](https://www.bankonitusa.com/client-stories/) - [Saint Louis Bank](https://www.bankonitusa.com/client-stories/saint-louis-bank/) - [Commercial National Bank of Texarkana](https://www.bankonitusa.com/client-stories/commercial-national-bank-of-texarkana/) - [Watermark Bank](https://www.bankonitusa.com/client-stories/watermark-bank/) - [Integrity Bank & Trust](https://www.bankonitusa.com/client-stories/integrity-bank-and-trust/) - [Valliance Bank](https://www.bankonitusa.com/client-stories/valliance-bank/) - [First National Bank of Oklahoma](https://www.bankonitusa.com/client-stories/first-national-bank-of-oklahoma/) - [Lisle Savings Bank](https://www.bankonitusa.com/client-stories/lisle-savings-bank/) - [Bank of Prairie Villiage](https://www.bankonitusa.com/client-stories/bank-of-prairie-village/) - [Insights](https://insights.bankonitusa.com/) - [Billion $ Playbook](https://www.bankonitusa.com/billion-playbook/) - [Careers](https://www.bankonitusa.com/careers/) [Let's Get Started](https://www.bankonitusa.com/lets-get-started/) Nov 10, 2025 # [Information Security Brief - November 2025](https://insights.bankonitusa.com/information-security-brief-november-2025) This Email is Making Me FEEL Something Scammers manipulate your emotions! IS AN EMAIL, TEXT, OR DM MAKING YOU FEEL SUDDEN, URGENT EMOTIONS? “You won o... [Read More](https://insights.bankonitusa.com/information-security-brief-november-2025) - - - - [mailto:url=https%3A%2F%2Finsights.bankonitusa.com%2Fthe-6th-c-of-credit](mailto:url=https%3A%2F%2Finsights.bankonitusa.com%2Fthe-6th-c-of-credit) [← Return to Blog](https://insights.bankonitusa.com) 5 Apr, 2019 ## The 6th C of Credit Lenders are taught to approve loans based on the 5 C’s of credit (character, capacity, capital, collateral and condition). But cybersecurity threats are increasing in speed and sophistication, and all businesses and industries are at risk. Has your bank considered the 6th C of credit - cybersecurity risk? Your business customers are a prime target for cyber criminals. If their operations are crippled due to ransomware or some other type of cyber attack, this will significantly impact their ability to repay your loan. This is such a large concern across the financial services industry that FICO has created a tool called the Assessment of Business Cyber Security, also known as (ABC). The score determines the cybersecurity risk of a business or industry using a score with a range similar to a credit report. While a credit scoring agency may not have the necessary information to calculate a cyber risk score for your borrowers, this is another important risk you should assess. [← Return to Blog](https://insights.bankonitusa.com) ##### Disclaimer This publication attempts to provide timely and accurate information concerning the subjects discussed. It is furnished with the understanding that it does not provide legal or other professional services. If legal or other expert assistance is required, the services of a qualified professional should be obtained. ### Search ### Subscribe Here! 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