Farmers and Merchants Bank: email security grade A

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Farmers and Merchants Bank, Milford, Nebraska, is the 984th largest FDIC-insured US bank by total assets ($1.1bn). On 4 November 2026 the public email records of bankfmb.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Cisco Secure Email.

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 bankfmb.com

Check	Result	What was published
MX	Pass	`10 mx2.hc2879-47.iphmx.com`, `10 mx1.hc2879-47.iphmx.com`. Mail handled by Cisco Secure Email
SPF	Pass	`v=spf1 mx exists:%{i}.spf.hc197966.iphmx.com ip4:66.254.128.0/19 ip4:205.196.224.0/19 ip4:149.72.198.89 ip4:173.244.139.150 include:spf.protection.outlook.com include:servers.mcsv.net -all`. DNS lookups: 4 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; pct=100; rua=mailto:dmarc_agg@vali.email;`. Policy p=quarantine, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector selector2 (of 10 common selectors tried)

Where Farmers and Merchants Bank ranks

Farmers and Merchants Bank is the 984th largest FDIC-insured US bank by total assets, at $1.1bn as reported to the FDIC (certificate 16810; Milford, Nebraska). Among the 999 graded banks, Farmers and Merchants Bank ranks 661st by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 546th of 846; among the 22 graded banks in Nebraska, 16th. 66% of its band and 77.3% 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 4 of the 10 allowed. 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 dmarc_agg@vali.email.
DKIM, pass: DKIM key found at selector2._domainkey.bankfmb.com, about 1024-bit RSA.

What this means if you sell to Farmers and Merchants Bank

Farmers and Merchants Bank routes inbound mail through Cisco Secure Email, 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 bankfmb.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 16810.

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 Farmers and Merchants 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