Community State Bank: email security grade C

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Community State Bank, Ankeny, Iowa, is the 644th largest FDIC-insured US bank by total assets ($1.7bn). On 4 November 2026 the public email records of bankcsb.com graded C: MX pass, SPF warn, DMARC p=quarantine, 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 bankcsb.com

Check	Result	What was published
MX	Pass	`10 bankcsb-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 a:mail.bankcsb.com a:zixvpm.bankcsb.com ip4:44.214.246.148/32 ip4:209.83.121.74 ip4:207.127.60.88 ip4:208.66.22.33 ip4:216.81.144.56 ip4:85.115.32.0/19 ip4:86.111.216.0/21 ip4:116.50.56.0/21 ip4:208.87.232.0/21 ip4:196.216.238.0/23 ip4:192.151.176.0/20 include:spf.cashedge.com include:spf.protection.outlook.com include:spf.webaccess1.com include:clickswitch.com include:spfref.jackhenry.com include:mailgun.org ~all`. DNS lookups: 13 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=quarantine; pct=50; rua=mailto:ITSecurityReports@qcrh.com; sp=quarantine; adkim=r; aspf=r`. Policy p=quarantine, subdomains sp=quarantine, applied to 50% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where Community State Bank ranks

Community State Bank is the 644th largest FDIC-insured US bank by total assets, at $1.7bn as reported to the FDIC (certificate 18272; Ankeny, Iowa). Among the 999 graded banks, Community State Bank ranks 925th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 782nd of 846; among the 27 graded banks in Iowa, 23rd. 66% of its band and 51.9% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 1 MX record. 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 13, 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, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, warn: pct=50: the policy covers only 50% of mail that fails.
DMARC, info: Reports go to ITSecurityReports@qcrh.com.
DKIM, pass: DKIM key found at selector1._domainkey.bankcsb.com, about 2048-bit RSA.

What this means if you sell to Community State Bank

Community State 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 bankcsb.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 18272.

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 Community State 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