Citizens Tri-County Bank: email security grade B

Home › Financial services › Bank Email Readiness Index › Citizens Tri-County Bank

Citizens Tri-County Bank, Dunlap, Tennessee, is the 673rd largest FDIC-insured US bank by total assets ($1.6bn). On 4 November 2026 the public email records of ctcbonline.com graded B: MX pass, SPF pass, DMARC p=none, 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 ctcbonline.com

Check	Result	What was published
MX	Pass	`10 d227440a.ess.barracudanetworks.com`, `20 d227440b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	`v=spf1 ip4:66.11.240.0/21 ip4:216.116.80.0/24 ip4:216.116.87.0/24 ip4:74.200.60.0/24 ip4:74.200.63.122 ip4:208.75.120.0/22 include:_spf.mlsend.com include:netteller.com include:spf.ess.barracudanetworks.com ~all`. DNS lookups: 3 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1;p=none;pct=100;rua=mailto:postmaster@ctcbonline.com`. Policy p=none, applied to 100% 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 Citizens Tri-County Bank ranks

Citizens Tri-County Bank is the 673rd largest FDIC-insured US bank by total assets, at $1.6bn as reported to the FDIC (certificate 20818; Dunlap, Tennessee). Among the 999 graded banks, Citizens Tri-County Bank ranks 825th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 684th of 846; among the 31 graded banks in Tennessee, 22nd. 66% of its band and 54.8% 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 3 of the 10 allowed. 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 postmaster@ctcbonline.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 Tri-County Bank

Citizens Tri-County 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 ctcbonline.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 20818.

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 Tri-County 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