Bank of Central Florida: email security grade B

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Bank of Central Florida, Lakeland, Florida, is the 854th largest FDIC-insured US bank by total assets ($1.2bn). On 4 November 2026 the public email records of bankofcentralflorida.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Microsoft 365.

Grade B. One setting does less than it seems to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on bankofcentralflorida.com

Check	Result	What was published
MX	Pass	`10 bankofcentralflorida-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 a mx mx:res.cisco.com include:spf.protection.outlook.com include:spfhost.messageprovider.com include:spfhost.conversen.com include:48004080.spf04.hubspotemail.net ip4:206.71.18.20 ip4:206.71.18.21 ip4:199.200.24.213 ip4:206.71.18.25 ip4:64.235.144.0/20 ~all`. DNS lookups: 9 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none;`. Policy p=none; reports not collected (no rua=)
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where Bank of Central Florida ranks

Bank of Central Florida is the 854th largest FDIC-insured US bank by total assets, at $1.2bn as reported to the FDIC (certificate 58479; Lakeland, Florida). Among the 999 graded banks, Bank of Central Florida ranks 870th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 729th of 846; among the 30 graded banks in Florida, 27th. 66% of its band and 73.3% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 1 MX record. Replies have somewhere to land. Mail is handled by Microsoft 365.
SPF, pass: One SPF record, ending in ~all (softfail): mail from a server that is not on the list is treated as suspect.
SPF, info: DNS lookups: about 9 of the 10 allowed. One more sending service could push it over. This count is an estimate.
DMARC, warn: Policy p=none with no rua= address. The record asks receivers to do nothing and sends you no reports.
DKIM, pass: DKIM key found at selector1._domainkey.bankofcentralflorida.com, about 1024-bit RSA.

What this means if you sell to Bank of Central Florida

Bank of Central Florida receives mail through Microsoft 365, whose Exchange Online Protection checks every inbound message's SPF, DKIM and DMARC and scores the sender's reputation. A clean, warmed sending domain is the minimum; a failed check lands in junk or is dropped. Before you send, run your own domain through the email setup checker and publish a policy with the DMARC record generator. For how a bank buys, see the selling to banks playbook.

Check it live

The records above are from 4 November 2026. Run the same check on bankofcentralflorida.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 58479.

This page is one of 1,000 in the Bank Email Readiness Index Q4 2026, published 4 November 2026 and re-read every quarter; the next edition is due 2 February 2027. If you work at Bank of Central Florida and the records have changed, email moe@roimaxi.com and we will re-check and update this page.

ROI Maximizer is a trading name of M Ventures LTD, registered in England and Wales, company no. 15554493. Registered office: 4 Beau Street, Bath BA1 1QY, United Kingdom. moe@roimaxi.com