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mystate.com.au website review

Visit site (opens in a new tab)Reviewed 2 November 202641 issues · 91 checks

This review found 41 issues worth fixing on mystate.com.au, 15 of them high impact, across 91 checks. The most urgent: use efficient cache lifetimes. Your full playbook turns these into prioritised fixes alongside reviews, competitors and channels.

  1. Homepage
  2. Phone render
  3. Links and pages
  4. Google PageSpeed

Google PageSpeed Insights (opens in a new tab), mobile

Real-visitor load time (LCP)75th percentile, phones
4.0 s3.1 sMay 16Oct 313.4 s
Show as table
DateReal-visitor load time (LCP)
May 16, 20263.9 s
May 23, 20263.5 s
May 30, 20263.4 s
Jun 6, 20263.4 s
Jun 13, 20263.5 s
Jun 20, 20263.6 s
Jun 27, 20263.7 s
Jul 4, 20263.7 s
Jul 11, 20263.6 s
Jul 18, 20263.5 s
Jul 25, 20263.4 s
Aug 1, 20263.2 s
Aug 8, 20263.2 s
Aug 15, 20263.2 s
Aug 22, 20263.2 s
Aug 29, 20263.2 s
Sep 5, 20263.2 s
Sep 12, 20263.2 s
Sep 19, 20263.3 s
Sep 26, 20263.3 s
Oct 3, 20263.3 s
Oct 10, 20263.3 s
Oct 17, 20263.3 s
Oct 24, 20263.3 s
Oct 31, 20263.4 s
Real-visitor tap response (INP)75th percentile, phones
247 ms224 msMay 16Oct 31244 ms
Show as table
DateReal-visitor tap response (INP)
May 16, 2026233 ms
May 23, 2026234 ms
May 30, 2026234 ms
Jun 6, 2026238 ms
Jun 13, 2026236 ms
Jun 20, 2026235 ms
Jun 27, 2026230 ms
Jul 4, 2026227 ms
Jul 11, 2026228 ms
Jul 18, 2026227 ms
Jul 25, 2026228 ms
Aug 1, 2026229 ms
Aug 8, 2026229 ms
Aug 15, 2026229 ms
Aug 22, 2026230 ms
Aug 29, 2026233 ms
Sep 5, 2026235 ms
Sep 12, 2026231 ms
Sep 19, 2026235 ms
Sep 26, 2026231 ms
Oct 3, 2026229 ms
Oct 10, 2026231 ms
Oct 17, 2026230 ms
Oct 24, 2026238 ms
Oct 31, 2026244 ms

Chrome UX Report (opens in a new tab): real Chrome visitors over rolling 28-day periods.

One score from every part of this review. How it works

Full-page screenshot of mystate.com.au (phone) rendered by Google PageSpeed Insights

How it loaded on a phone

  1. mystate.com.au at 0.6 s0.6 s
  2. mystate.com.au at 1.2 s1.2 s
  3. mystate.com.au at 1.8 s1.8 s
  4. mystate.com.au at 2.4 s2.4 s
  5. mystate.com.au at 3.1 s3.1 s
  6. mystate.com.au at 3.7 s3.7 s
  7. mystate.com.au at 4.3 s4.3 s
  8. mystate.com.au at 4.9 s4.9 s

Speed

9 to fix49
  • Use efficient cache lifetimes

    4.4 s · 2.2 MB

    64 files are served with short cache lifetimes, so returning visitors download them again (2.2 MB).

  • Improve image delivery

    2.1 s · 1.2 MB

    8 images could be 1.2 MB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen. Google estimates it would make the page about 2.1 s faster on a phone.

  • Render-blocking requests

    1.6 s

    11 files block the first paint until they finish downloading. Deferring or inlining them could save about 1.6 s.

  • Mobile performance score: 49

    49/100

    Your mobile performance score is 49. Under 50 is Google's “poor” band: many phone visitors leave before the page is usable.

  • Reduce unused JavaScript

    750 ms · 806 KiB

    About 806 KiB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 750 ms faster on a phone.

  • 8 third-party services on the page

    8 third-party services load with your homepage (Google Tag Manager, Optimizely and Facebook and others), adding 1.8 MB and 1.1 s of main-thread time.

  • Google Tag Manager adds 865 ms

    865 ms

    Google Tag Manager costs a phone 865 ms of main-thread work and 1.4 MB of downloads while your page loads. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • Reduce unused CSS

    600 ms · 119 KiB

    About 119 KiB of CSS is downloaded but never applied on this page. Google estimates it would make the page about 600 ms faster on a phone.

  • Main-thread work: 2.0 s

    A phone's processor spends 2.0 s on main-thread work while loading, 1.2 s of it running JavaScript. Above 2 s, taps and scrolls feel sluggish.

  • 10 long tasks on the main thread

    10 long tasks block the main thread while loading, the longest for 151 ms. During a long task the page ignores taps.

  • Document request latency

    125 KiB

    The HTML itself could arrive sooner: redirects, a slow server response or missing compression delay everything after it.

  • Legacy JavaScript

    13 KiB

    Polyfills for old browsers add 13 KiB JavaScript that modern phones do not need.

  • Minify JavaScript

    13 KiB

    13 KiB could be saved by minifying JavaScript.

  • Minify CSS

    8 KiB

    8 KiB could be saved by minifying CSS.

  • Chained critical requests

    Critical files load one after another instead of in parallel (3 chains). Preconnecting to key origins and preloading the hero image shortens the chain.

1 checks passed
  • Server response: 569 ms

    569 ms

    Your server sent the HTML in 569 ms, well inside Google's 600 ms guideline.

Core Web Vitals

11 to fix33
  • Fails Core Web Vitals for real visitors

    Real Chrome users on phones do not pass Google's Core Web Vitals on this page (28-day field data from the Chrome UX Report (opens in a new tab)). Google uses this in ranking.

  • Real-user FCP: 3.2 s

    3.2 s

    Real visitors see the first content after 3.2 s (75th percentile). Good is under 1.8 s.

  • Largest Contentful Paint: 8.9 s

    8.9 s

    Your largest element takes 8.9 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the image.

  • Time to Interactive: 20.9 s

    20.9 s

    The page becomes fully interactive after 20.9 s. Good is under 3.8 s.

  • Speed Index: 8.9 s

    8.9 s

    Visually, the page fills in at 8.9 s (Speed Index). Good is under 3.4 s.

  • First Contentful Paint: 3.9 s

    3.9 s

    The first text or image appears after 3.9 s on a phone. Good is under 1.8 s.

  • Real-user LCP: 3.1 s

    3.1 s

    Real visitors wait 3.1 s for the largest content to appear (75th percentile). Good is under 2.5 s.

  • Real-user INP: 214 ms

    214 ms

    Real visitors wait 214 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.

  • Real-user TTFB: 1.1 s

    1.1 s

    Real visitors wait 1.1 s for your server to start answering (75th percentile). Good is under 800 ms.

  • Total Blocking Time: 371 ms

    371 ms

    Scripts block taps and scrolling for 371 ms in total while the page loads. Good is under 200 ms.

  • 13 images without width and height

    13 images have no width and height attributes, so the layout jumps as each one loads.

  • Tap response (INP) held steady for real visitors

    +3%

    Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' tap response (inp) went from 233 ms to 244 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).

  • Largest content (LCP) held steady for real visitors

    -9%

    Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' largest content (lcp) went from 3.9 s to 3.4 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).

2 checks passed
  • Real-user CLS: 0.10

    0.10

    For real visitors the layout shifts by 0.10 (75th percentile). Good is under 0.1.

  • Cumulative Layout Shift: 0.089

    0.089

    The layout barely moves while loading (CLS 0.089, good is under 0.1).

Images and page weight

1 to fix85
  • Page weight: 4.0 MB in 112 requests

    4.0 MB

    Your homepage downloads 4.0 MB in 112 requests on a phone: scripts 1.9 MB (39), images 1.6 MB (40) and HTML 195 KiB (4). Under 2 MB keeps phones on slow connections fast.

  • About 1.1 g of CO₂ per visit

    1.13 g

    By the Sustainable Web Design model, a visit to your homepage emits about 1.13 g of CO₂e: 135.1 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.

3 checks passed
  • Images use modern formats

    Every sizeable image is WebP, AVIF or SVG.

  • Images load when needed

    Images below the first screen wait until the visitor scrolls to them.

  • Images are sized for phones

    No image is downloaded at more than three times the size it is drawn on a phone.

Accessibility

12 to fixGoogle 6887
  • 138 tap targets too small

    138 tap targets are too small or too close together to hit reliably with a finger.

  • 4 text elements with low contrast

    4 text elements don't have enough contrast against the background to read easily, especially outdoors on a phone.

  • 9 images without alt text

    9 images have no alt text, which hurts accessibility and image search.

  • All page content should be contained by landmarks (3 elements)

    All page content should be contained by landmarks: 3 elements on the page fail this check, rated moderate by axe-core.

  • Landmarks should have a unique role or role/label/title (i.e. accessible name) combination (2 elements)

    Landmarks should have a unique role or role/label/title (i.e. accessible name) combination: 2 elements on the page fail this check, rated moderate by axe-core.

  • Main landmark should not be contained in another landmark (1 element)

    Main landmark should not be contained in another landmark: 1 element on the page fails this check, rated moderate by axe-core.

  • Document should not have more than one banner landmark (1 element)

    Document should not have more than one banner landmark: 1 element on the page fails this check, rated moderate by axe-core.

  • Document should not have more than one main landmark (1 element)

    Document should not have more than one main landmark: 1 element on the page fails this check, rated moderate by axe-core.

  • Zoom is disabled

    The viewport tag blocks pinch-zoom, which low-vision visitors rely on.

  • 4 links without text

    4 visible links have no text or label, so screen readers cannot say where they go.

  • Malformed lists

    Some lists contain elements other than list items, which screen readers announce wrongly.

  • Orphan list items

    Some list items are not inside a list.

  • Headings skip levels

    Headings skip levels (h1 → h3, h3 → h5 and h3 → h5), which makes the page harder to scan with a screen reader.

1 checks passed
  • 44 automated accessibility rules passed

    axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 55 WCAG 2.2 A/AA and best-practice rules on the phone render: 44 passed and 11 failed. 2 mores need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.

SEO

1 to fixGoogle 8598
  • 28 links with vague text

    28 links use generic text like “click here” or “learn more”, which tells Google nothing about the page behind them.

  • 201 internal links, 14 external

    The homepage links to 201 pages on mystate.com.au and 14 external pages.

8 checks passed
  • Meta description: 139 characters

    Your meta description is 139 characters: “We're a bank that does both numbers & feelings, with smart tech and people that care. Our customers are human and that’…”.

  • One H1 headline

    Your main headline reads: “Hello Saver account”.

  • Title: 36 characters

    Your title is a healthy 36 characters: “MyState Bank - The Human Way to Bank”.

  • Canonical URL set

    The canonical URL is https://mystate.com.au/.

  • Structured data in place

    Structured data found: BreadcrumbList, Organization, WebPage and WebSite.

  • Open Graph tags complete

    Open Graph tags are complete, so shared links show a title, description and image.

  • robots.txt in place

    robots.txt is in place and points crawlers to your sitemap.

  • XML sitemap found

    Your XML sitemap is reachable at https://mystate.com.au/sitemap_index.xml.

AI search readiness

100
  • No llms.txt

    There is no https://mystate.com.au/llms.txt, a short Markdown guide to your key pages for AI tools (llmstxt.org). It is optional and few AI tools read it yet, so treat it as a cheap extra.

3 checks passed
  • AI answer engines may read the site

    Your robots.txt lets the crawlers behind ChatGPT search, Claude and Perplexity read the site and cite it in answers.

  • Organization data: 4 of 6 facts

    Your Organization JSON-LD gives name, url, logo and sameAs (social profiles); description and contact details would complete it.

  • Text is in the HTML

    Your server sends the page's text in the HTML (1,091 words), so crawlers that don't run JavaScript still read it.

Other pages

2 to fix70
  • 11 linked pages are broken

    Your homepage links to https://mystate.com.au/bank-accounts/transaction-accounts/basic-account, https://mystate.com.au/bank-accounts/saving-accounts, https://mystate.com.au/bank-accounts/saving-accounts/hello-saver-account, https://mystate.com.au/bank-accounts/term-deposits, https://mystate.com.au/bank-accounts/term-deposits/interest-rates and https://mystate.com.au/bank-accounts/online-banking and 5 others, which answer with an error. Visitors hit a dead end and search engines drop them.

  • 3 pages without a meta description

    https://mystate.com.au/help/accessibility-inclusion, https://mystate.com.au/bank-accounts and https://mystate.com.au/bank-accounts/transaction-accounts have no meta description, so Google writes the search snippet from whatever text it finds.

  • 1 page slow to respond

    https://mystate.com.au/bank-accounts/transaction-accounts/glide-account took over 3 s to send its HTML from our server.

  • 15 internal pages checked

    We fetched 15 pages linked from your homepage (of 104 found) and read each the way a search engine does.

5 checks passed
  • Canonical URLs point to themselves

    No page we checked hands its ranking to a different URL.

  • Titles are unique

    Every page we checked has its own title.

  • Every page has an H1

    Each page we checked has a main headline.

  • No linked page is hidden from search

    None of the pages we checked carries a noindex tag.

  • Every page has a title

    All 4 pages that loaded have a <title>.

Best practices

4 to fixGoogle 7370
  • 10 broken images

    10 images failed to load on a phone, for example https://mystate.com.au/wp-content/uploads/MyState_Logo_s.png.

  • 146 small tap targets

    146 of 146 tappable elements near the top of the page are smaller than 24 px, hard to hit with a thumb.

  • 2 third-party cookies

    2 third-party cookies are set on load; browsers are restricting these, so whatever relies on them breaks.

  • 1 JavaScript error while loading

    1 error was logged to the browser console while the page loaded, for example “Failed to load resource: the server responded with a status of 405 ()”.

  • Browser-reported issues

    Chrome logged issues while loading the page (“Cookie”).

1 checks passed
  • Mobile viewport set

    The page declares a mobile viewport.

Content and conversion

100
  • About 1,090 words of copy

    The homepage carries about 1,090 words of visible text.

7 checks passed
  • Clear next step on the first screen

    On a phone, the first screen shows a clear next step: “Buy my first home” and “Buy my next home”.

  • 20 calls to action

    The homepage has 20 calls to action, for example “Buy my first home”, “Buy my next home” and “Start a CGU claim”.

  • 1 short form

    A short form (1 field at most) is right on the homepage.

  • Social proof on the page

    Social proof on the homepage: 1 customer or partner logo and 1 trust badge.

  • Analytics in place

    Analytics detected: Google Tag Manager.

  • Direct contact links

    Visitors can reach you directly: 3 phone links and 0 email links.

  • Risk reducer mentioned

    A guarantee or risk reducer (money-back, free trial, no credit card or similar) is mentioned on the page.

Privacy and tracking

1 to fix
  • 6 trackers load before any consent

    6

    Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Hotjar and Meta Pixel and 1 more (measured from a US location before any click). No consent tool was detected. Visitors from the EU, UK and several US states must be asked first.

  • 14 cookies set on arrival

    14

    Opening the homepage sets 14 cookies, 1 of them by other companies (measured from a US location before any click).

  • No consent tool detected

    No known cookie consent tool loads with the page. Some sites build their own banner, and some only show one to visitors from the EU.

  • 23 other companies contacted

    Loading the homepage contacts 23 hosts run by other companies (fonts, scripts, analytics, ads), each of which sees the visitor's IP address.

Security, domain, email and software versions

The security, domain and email checks, software and plugin versions, and any app with a known security problem are visible only to people at mystate.com.au, because details like these could help someone attack a site. Every review keeps them private, whatever they found.

Upkeep, stack and company

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Upkeep, stack, hiring and company data from programmable.info

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