Farmers State Bank: email security grade B

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Farmers State Bank, Lagrange, Indiana, is the 825th largest FDIC-insured US bank by total assets ($1.3bn). On 4 November 2026 the public email records of farmersstatebank.com graded B: MX pass, SPF warn, DMARC p=reject, mail handled by Barracuda.

Grade B. One setting does less than it seems to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on farmersstatebank.com

Check	Result	What was published
MX	Pass	`20 d176663a.ess.barracudanetworks.com`, `30 d176663b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Warn	`v=spf1 include:spfref.jackhenry.com include:amazonses.com include:spf.ess.barracudanetworks.com include:mailgun.org include:spf.protection.outlook.com include:gateways.firstdata.com include:spf.constantcontact.com ~all`. DNS lookups: 11 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; rua=mailto:rua+farmersstatebank.com@dmarc.barracudanetworks.com; ruf=mailto:ruf+farmersstatebank.com@dmarc.barracudanetworks.com`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector k1 (of 10 common selectors tried)

Where Farmers State Bank ranks

Farmers State Bank is the 825th largest FDIC-insured US bank by total assets, at $1.3bn as reported to the FDIC (certificate 14578; Lagrange, Indiana). Among the 999 graded banks, Farmers State Bank ranks 861st by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 720th of 846; among the 20 graded banks in Indiana, 19th. 66% of its band and 65% 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 11, 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=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to rua+farmersstatebank.com@dmarc.barracudanetworks.com.
DKIM, pass: DKIM key found at k1._domainkey.farmersstatebank.com, about 1024-bit RSA.

What this means if you sell to Farmers State Bank

Farmers State Bank routes inbound mail through Barracuda, 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 farmersstatebank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 14578.

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 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