Commercial Bank: email security grade C

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Commercial Bank, Harrogate, Tennessee, is the 514th largest FDIC-insured US bank by total assets ($2.4bn). On 4 November 2026 the public email records of cbtn.com graded C: MX pass, SPF warn, DMARC p=none, mail handled by Microsoft 365.

Grade C. Two settings do less than they seem to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on cbtn.com

Check	Result	What was published
MX	Pass	`10 mail1.us.scanscope.net`, `20 mail2.us.scanscope.net`, `30 mail3.us.scanscope.net`, `40 cbtn-com.mail.protection.outlook.com`, `50 feedback-smtp.us-east-1.amazonses.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 include:spf.protection.outlook.com include:scanscope.net include:_spf.psm.knowbe4.com include:spf-us.emailsignatures365.com include:email.freshservice.com include:emailus.freshservice.com include:spfref.jackhenry.com include:_external.pscu.com include:amazonses.com ip4:52.24.20.218/32 ip6:2600:1f14:117:e301:1317:971b:b76e:5518/128 ip4:52.37.177.36/32 ip6:2600:1f14:f71:f300:6db:b50c:f688:5028/128 ~all`. DNS lookups: 21 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; ruf=mailto:DMARCReports@cbtn.com; aspf=s`. Policy p=none; reports not collected (no rua=)
DKIM	Pass, not graded	Key found on selectors selector1, k1 (of 10 common selectors tried)

Where Commercial Bank ranks

Commercial Bank is the 514th largest FDIC-insured US bank by total assets, at $2.4bn as reported to the FDIC (certificate 22354; Harrogate, Tennessee). Among the 999 graded banks, Commercial Bank ranks 920th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 777th of 846; among the 31 graded banks in Tennessee, 29th. 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: 5 MX records. 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, warn: DNS lookups: about 21, over the limit of 10 in RFC 7208. Receivers that count the same way return an error, and SPF fails for any message not matched before the limit. This count is an estimate.
DMARC, warn: Policy p=none with no rua= address. The record asks receivers to do nothing and sends you no reports.
DKIM, pass: DKIM key found at selector1._domainkey.cbtn.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.cbtn.com, about 1024-bit RSA.

What this means if you sell to Commercial Bank

Commercial Bank 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 cbtn.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 22354.

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 Commercial 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