Habib American Bank: email security grade A

Home › Financial services › Bank Email Readiness Index › Habib American Bank

Habib American Bank, New York, New York, is the 441st largest FDIC-insured US bank by total assets ($2.8bn). On 4 November 2026 the public email records of hab.bank graded A: MX pass, SPF pass, DMARC p=reject, mail handled by Other.

Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.

What was found on hab.bank

Check	Result	What was published
MX	Pass	`10 hab-bank.mx1.arsmtp.com`, `20 hab-bank.mx2.arsmtp.com`. Mail handled by Other
SPF	Pass	`v=spf1 include:spf.edgepilot.com include:spfref.jackhenry.com include:_spf.google.com include:amazonses.com include:spf.meridianlink.com ip4:23.21.109.197 ip4:23.21.109.212 ip4:147.160.167.0/26 ip4:161.38.199.149 ~all`. DNS lookups: 7 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; rua=mailto:dmarc@encirca.com,mailto:dmarc@hab.bank; ruf=mailto:dmarc@encirca.com`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors google, k1 (of 10 common selectors tried)

Where Habib American Bank ranks

Habib American Bank is the 441st largest FDIC-insured US bank by total assets, at $2.8bn as reported to the FDIC (certificate 25093; New York, New York). Among the 999 graded banks, Habib American Bank ranks 307th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 192nd of 846; among the 49 graded banks in New York, 21st. 66% of its band and 73.5% 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 7 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to dmarc@encirca.com, dmarc@hab.bank.
DKIM, pass: DKIM key found at google._domainkey.hab.bank, about 2048-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.hab.bank, about 1024-bit RSA.

What this means if you sell to Habib American Bank

Habib American Bank'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 hab.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 25093.

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 Habib American 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