Farmers and Merchants Trust Company of Chambersburg: email security grade F

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Farmers and Merchants Trust Company of Chambersburg, Chambersburg, Pennsylvania, is the 520th largest FDIC-insured US bank by total assets ($2.3bn). On 4 November 2026 the public email records of fmtrust.bank graded F: MX fail, SPF fail, DMARC p=reject, no MX records.

Grade F. Two or more essentials missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on fmtrust.bank

Check	Result	What was published
MX	Fail	No MX records
SPF	Fail	No SPF record
DMARC	Pass	`v=DMARC1; p=reject; sp=reject; fo=1; rua=mailto:dmarc@encirca.com; ruf=mailto:dmarc@encirca.com`. Policy p=reject, subdomains sp=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 Farmers and Merchants Trust Company of Chambersburg ranks

Farmers and Merchants Trust Company of Chambersburg is the 520th largest FDIC-insured US bank by total assets, at $2.3bn as reported to the FDIC (certificate 8405; Chambersburg, Pennsylvania). Among the 999 graded banks, Farmers and Merchants Trust Company of Chambersburg ranks 990th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 837th of 846; among the 43 graded banks in Pennsylvania, 42nd. 66% of its band and 60.5% 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 fmtrust.bank cannot receive mail. Every reply to a cold email sent from it bounces.
SPF, fail: No SPF record on fmtrust.bank. Receivers have no list of the servers allowed to send as you, so they cannot tell your mail from a forgery.
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 Farmers and Merchants Trust Company of Chambersburg

fmtrust.bank publishes no MX records, so it does not receive mail. Farmers and Merchants Trust Company of Chambersburg'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 fmtrust.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 8405.

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 Trust Company of Chambersburg 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