Central Bank Illinois: email security grade B

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Central Bank Illinois, Geneseo, Illinois, is the 745th largest FDIC-insured US bank by total assets ($1.5bn). On 4 November 2026 the public email records of central-bank.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Other.

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 central-bank.com

Check	Result	What was published
MX	Pass	`10 mx.usa.net`, `20 mx.ct.mbox.net`. Mail handled by Other
SPF	Pass	`v=spf1 mx include:gateways.apiture.com include:spf.usa.net include:spf.protection.outlook.com include:e2ma.net a:spfref.jackhenry.com a:monitor.ensenta.com ip4:167.89.11.238 ip4:66.179.179.85 ~all`. DNS lookups: 9 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:adminalerts@central-bank.com; ruf=mailto:adminalerts@central-bank.com; pct=5`. Policy p=none, applied to 5% of mail; 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 Central Bank Illinois ranks

Central Bank Illinois is the 745th largest FDIC-insured US bank by total assets, at $1.5bn as reported to the FDIC (certificate 11670; Geneseo, Illinois). Among the 999 graded banks, Central Bank Illinois ranks 842nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 701st of 846; among the 52 graded banks in Illinois, 50th. 66% of its band and 82.7% 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 (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: receivers are asked to do nothing with mail that fails. Reports are on, so you can see what fails.
DMARC, info: Reports go to adminalerts@central-bank.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 Central Bank Illinois

Central Bank Illinois's MX hosts belong to a provider we do not name from host names alone. Assume the inbound server checks SPF, DKIM and DMARC and scores reputation, as every major provider does. 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 central-bank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 11670.

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 Central Bank Illinois 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