First Capital Bank: email security grade D

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First Capital Bank, Charleston, South Carolina, is the 823rd largest FDIC-insured US bank by total assets ($1.3bn). On 4 November 2026 the public email records of bankwithfirstcapitalbank.com graded D: MX pass, SPF pass, DMARC no record, mail handled by Proofpoint.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on bankwithfirstcapitalbank.com

Check	Result	What was published
MX	Pass	`10 mx2-us1.ppe-hosted.com`, `10 mx1-us1.ppe-hosted.com`. Mail handled by Proofpoint
SPF	Pass	`v=spf1 include:_spf-us.ppe-hosted.com include:spf.protection.outlook.com ip4:12.108.255.69/32 ip4:12.108.255.76/32 ip4:208.235.248.20/32 ip4:12.145.177.0/24 ip4:208.66.22.33/32 ip4:66.20.244.76/32 ip4:167.89.11.238/32 include:clickswitch.com ~all`. DNS lookups: 5 of 10 allowed; ends ~all
DMARC	Fail	No DMARC record at _dmarc.bankwithfirstcapitalbank.com
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 First Capital Bank ranks

First Capital Bank is the 823rd largest FDIC-insured US bank by total assets, at $1.3bn as reported to the FDIC (certificate 34966; Charleston, South Carolina). Among the 999 graded banks, First Capital Bank ranks 977th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 825th of 846; among the 14 graded banks in South Carolina, 14th. 66% of its band and 64.3% 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 (softfail): mail from a server that is not on the list is treated as suspect.
SPF, info: DNS lookups: about 5 of the 10 allowed. This count is an estimate.
DMARC, fail: No DMARC record at _dmarc.bankwithfirstcapitalbank.com. Receivers get no instruction for mail that fails SPF and DKIM, and you get no reports.
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 First Capital Bank

First Capital Bank routes inbound mail through Proofpoint, 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 bankwithfirstcapitalbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 34966.

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 First Capital 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