Farmers & Merchants Bank of Central California: email security grade C

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Farmers & Merchants Bank of Central California, Lodi, California, is the 247th largest FDIC-insured US bank by total assets ($5.8bn). On 4 November 2026 the public email records of fmbonline.com graded C: MX pass, SPF warn, DMARC p=quarantine, mail handled by Other.

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 fmbonline.com

Check	Result	What was published
MX	Pass	`10 mx.usa.net`, `20 mx.ct.mbox.net`. Mail handled by Other
SPF	Warn	`v=spf1 include:_spf.createsend.com include:spf.usa.net ip4:216.31.240.114 ?ip4:96.47.208.0/20 ?ip4:216.116.80.0/20 ?ip4:12.106.86.0/24 ?ip4:198.185.62.0/23 ?ip4:173.252.174.38 include:spfref.jackhenry.com include:gateways.firstdata.com include:derivativesservicing.com include:spf.protection.outlook.com include:mailgun.org include:servers.mcsv.net ~all`. DNS lookups: 14 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=quarantine; rua=mailto:dmarc@fmbonline.com; adkim=r; aspf=r; pct=25`. Policy p=quarantine, applied to 25% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector k1 (of 10 common selectors tried)

Where Farmers & Merchants Bank of Central California ranks

Farmers & Merchants Bank of Central California is the 247th largest FDIC-insured US bank by total assets, at $5.8bn as reported to the FDIC (certificate 1331; Lodi, California). Among the 999 graded banks, Farmers & Merchants Bank of Central California ranks 909th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 766th of 846; among the 58 graded banks in California, 51st. 66% of its band and 62.1% 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, warn: DNS lookups: about 14, 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=25: the policy covers only 25% of mail that fails.
DMARC, info: Reports go to dmarc@fmbonline.com.
DKIM, pass: DKIM key found at k1._domainkey.fmbonline.com, about 1024-bit RSA.

What this means if you sell to Farmers & Merchants Bank of Central California

Farmers & Merchants Bank of Central California's MX hosts belong to a provider we do not name from host names alone. Assume the inbound server checks SPF, DKIM and DMARC and scores reputation, as every major provider does. 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 fmbonline.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 1331.

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 & Merchants Bank of Central California 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