CBI Bank & Trust: email security grade A

Home › Financial services › Bank Email Readiness Index › CBI Bank & Trust

CBI Bank & Trust, Muscatine, Iowa, is the 651st largest FDIC-insured US bank by total assets ($1.7bn). On 4 November 2026 the public email records of cbibt.bank graded A: MX pass, SPF pass, DMARC p=reject, mail handled by Microsoft 365.

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 cbibt.bank

Check	Result	What was published
MX	Pass	`0 cbibt-bank.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 include:_u.cbibt.bank._spf.dmarclj.com ~all`. DNS lookups: 6 or more of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; rua=mailto:dmarc_rua@encirca.com; ruf=mailto:dmarc_ruf@encirca.com`. Policy p=reject; 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 CBI Bank & Trust ranks

CBI Bank & Trust is the 651st largest FDIC-insured US bank by total assets, at $1.7bn as reported to the FDIC (certificate 1552; Muscatine, Iowa). Among the 999 graded banks, CBI Bank & Trust ranks 442nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 327th of 846; among the 27 graded banks in Iowa, 8th. 66% of its band and 51.9% 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: at least 6 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=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to dmarc_rua@encirca.com.
DKIM, info: No DKIM key at the 10 common selectors tried. That does not mean DKIM is missing. Your email provider picks the selector name, and DNS has no way to list them.

What this means if you sell to CBI Bank & Trust

CBI Bank & Trust 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 cbibt.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 1552.

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 CBI Bank & Trust 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