Citizens National Bank of Texas: email security grade A

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Citizens National Bank of Texas, Waxahachie, Texas, is the 554th largest FDIC-insured US bank by total assets ($2.2bn). On 4 November 2026 the public email records of cnboftexas.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Proofpoint.

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 cnboftexas.com

Check	Result	What was published
MX	Pass	`10 mxa-002d4301.gslb.pphosted.com`, `10 mxb-002d4301.gslb.pphosted.com`. Mail handled by Proofpoint
SPF	Pass	`v=spf1 +a +mx include:spf1.cnboftexas.com include:spfhost.messageprovider.com include:spf-002d4301.pphosted.com include:_spf.btbpo.net include:_spf.salesforce.com -all`. DNS lookups: 8 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; fo=1; rua=mailto:ba83062143354392855b4e7513895643@dmarc-reports.cloudflare.net,mailto:dmarc_rua@emaildefense.proofpoint.com; ruf=mailto:dmarc_ruf@emaildefense.proofpoint.com`. 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 Citizens National Bank of Texas ranks

Citizens National Bank of Texas is the 554th largest FDIC-insured US bank by total assets, at $2.2bn as reported to the FDIC (certificate 5574; Waxahachie, Texas). Among the 999 graded banks, Citizens National Bank of Texas ranks 379th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 264th of 846; among the 86 graded banks in Texas, 37th. 66% of its band and 76.7% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, info: DNS lookups: at least 8 of the 10 allowed. One more sending service could push it over. 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, info: Reports go to ba83062143354392855b4e7513895643@dmarc-reports.cloudflare.net, dmarc_rua@emaildefense.proofpoint.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 Citizens National Bank of Texas

Citizens National Bank of Texas routes inbound mail through Proofpoint, 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 cnboftexas.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 5574.

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 Citizens National Bank of Texas 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