Capital Bank: email security grade B

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Capital Bank, Rockville, Maryland, is the 335th largest FDIC-insured US bank by total assets ($3.8bn). On 4 November 2026 the public email records of capitalbankmd.com graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Barracuda.

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 capitalbankmd.com

Check	Result	What was published
MX	Pass	`10 d18152a.ess.barracudanetworks.com`, `20 d18152b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	`v=spf1 include:222u82cttf.powerspf.com -all`. DNS lookups: 4 or more of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=quarantine; sp=none; rua=mailto:hsmm8sofa1@rua.powerdmarc.com; ruf=mailto:hsmm8sofa1@ruf.powerdmarc.com; fo=s:0:d:1; t=n;`. Policy p=quarantine, subdomains sp=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2, s1, s2 (of 10 common selectors tried)

Where Capital Bank ranks

Capital Bank is the 335th largest FDIC-insured US bank by total assets, at $3.8bn as reported to the FDIC (certificate 35278; Rockville, Maryland). Among the 999 graded banks, Capital Bank ranks 742nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 601st of 846; among the 8 graded banks in Maryland, 6th. 66% of its band and 37.5% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 2 MX records. Replies have somewhere to land.
SPF, pass: One SPF record, ending in -all (fail): mail from a server that is not on the list should be rejected.
SPF, info: DNS lookups: at least 4 of the 10 allowed. This count is an estimate.
SPF, info: The record uses SPF macros, which only resolve for a real message, so the lookup count is a floor.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, warn: sp=none: mail claiming to come from a subdomain of capitalbankmd.com gets no policy, so the subdomains can be spoofed.
DMARC, info: Reports go to hsmm8sofa1@rua.powerdmarc.com.
DKIM, pass: DKIM key found at selector1._domainkey.capitalbankmd.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.capitalbankmd.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.capitalbankmd.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.capitalbankmd.com, about 2048-bit RSA.

What this means if you sell to Capital Bank

Capital Bank routes inbound mail through Barracuda, a filtering gateway. Expect strict inbound filtering: a message from a sender whose SPF, DKIM or DMARC fails, or whose domain has little sending history, is unlikely to reach a person. 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 capitalbankmd.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 35278.

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 Capital Bank 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