First State Bank: email security grade B

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First State Bank, Mendota, Illinois, is the 707th largest FDIC-insured US bank by total assets ($1.6bn). On 4 November 2026 the public email records of firststatebank.biz graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Microsoft 365.

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 firststatebank.biz

Where First State Bank ranks

First State Bank is the 707th largest FDIC-insured US bank by total assets, at $1.6bn as reported to the FDIC (certificate 15752; Mendota, Illinois). Among the 999 graded banks, First State Bank ranks 831st by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 690th of 846; among the 52 graded banks in Illinois, 49th. 66% of its band and 82.7% of its state graded A.

What this means for the bank

The checker's own notes on each record:

• MX, pass: 1 MX record. Replies have somewhere to land. Mail is handled by Microsoft 365.
• 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: about 10 of the 10 allowed. One more sending service could push it over. This count is an estimate.
• DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
• DMARC, warn: sp=none: mail claiming to come from a subdomain of firststatebank.biz gets no policy, so the subdomains can be spoofed.
• DMARC, info: Reports go to lgfzlyqd@ag.us.dmarcian.com, dmarcreports@firststatebank.biz.
• DKIM, pass: DKIM key found at selector1._domainkey.firststatebank.biz, about 2048-bit RSA.
• DKIM, pass: DKIM key found at default._domainkey.firststatebank.biz, about 1024-bit RSA.
• DKIM, pass: DKIM key found at s1._domainkey.firststatebank.biz, about 2048-bit RSA.
• DKIM, pass: DKIM key found at s2._domainkey.firststatebank.biz, about 2048-bit RSA.

What this means if you sell to First State Bank

First State Bank receives mail through Microsoft 365, whose Exchange Online Protection checks every inbound message's SPF, DKIM and DMARC and scores the sender's reputation. A clean, warmed sending domain is the minimum; a failed check lands in junk or is dropped. 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 firststatebank.biz now for today's result. The FDIC's record of the bank is at BankFind, certificate 15752.

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 State Bank and the records have changed, email moe@roimaxi.com and we will re-check and update this page.

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