Bank of Utica: email security grade A

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Bank of Utica, Utica, New York, is the 724th largest FDIC-insured US bank by total assets ($1.5bn). On 4 November 2026 the public email records of bankofutica.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Own mail servers.

Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.

What was found on bankofutica.com

Check	Result	What was published
MX	Pass	`10 mail.bankofutica.com`. Mail handled by Own mail servers
SPF	Pass	`v=spf1 a:bankofutica.com a:mail.bankofutica.com mx:bankofutica.com ip4:209.217.222.34 include:_spf.psm.knowbe4.com ~all`. DNS lookups: 4 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=quarantine; adkim=r; aspf=r; rua=mailto:dmarc_rua@onsecureserver.net;`. Policy p=quarantine; reports collected (rua= set)
DKIM	Reported, not graded	No key on any of 10 common selectors. This proves nothing: the bank's real selectors may be any name

Where Bank of Utica ranks

Bank of Utica is the 724th largest FDIC-insured US bank by total assets, at $1.5bn as reported to the FDIC (certificate 13397; Utica, New York). Among the 999 graded banks, Bank of Utica ranks 490th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 375th of 846; among the 49 graded banks in New York, 29th. 66% of its band and 73.5% 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.
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 4 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to dmarc_rua@onsecureserver.net.
DKIM, info: The DKIM lookups failed, so no selector could be checked. Try again in a minute.

What this means if you sell to Bank of Utica

Bank of Utica lists MX hosts under its own domain, so it runs or fronts its own mail servers. What filters sit behind them is not visible from DNS; assume they check SPF, DKIM and DMARC like everyone else, and that a bank-run gateway is at least as strict as a commercial one. 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 bankofutica.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 13397.

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 Utica 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