Colony Bank: email security grade D

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Colony Bank, Fitzgerald, Georgia, is the 350th largest FDIC-insured US bank by total assets ($3.6bn). On 4 November 2026 the public email records of colony.bank graded D: MX fail, SPF pass, DMARC p=reject, no MX records.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on colony.bank

Check	Result	What was published
MX	Fail	No MX records
SPF	Pass	`v=spf1 -all`. DNS lookups: 0 of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; rua=mailto:dmarc@encirca.com; ruf=mailto:dmarc@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 Colony Bank ranks

Colony Bank is the 350th largest FDIC-insured US bank by total assets, at $3.6bn as reported to the FDIC (certificate 22257; Fitzgerald, Georgia). Among the 999 graded banks, Colony Bank ranks 947th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 795th of 846; among the 12 graded banks in Georgia, 10th. 66% of its band and 58.3% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, fail: No MX records, so colony.bank cannot receive mail. Every reply to a cold email sent from it bounces.
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: about 0 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to dmarc@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 Colony Bank

colony.bank publishes no MX records, so it does not receive mail. Colony Bank's staff mail must run on another domain, which this check did not read. 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 colony.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 22257.

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 Colony 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