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Heartland Bank and Trust Company, Bloomington, Illinois, is the 221st largest FDIC-insured US bank by total assets ($6.7bn). On 4 November 2026 the public email records of hbtbank.com graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Own mail servers.
Grade B. One setting does less than it seems to. Read by DNS on 4 November 2026; the records are shown as published.
| Check | Result | What was published |
|---|---|---|
| MX | Pass | 10 mail3.hbtbank.com. Mail handled by Own mail servers |
| SPF | Pass | v=spf1 a:mail.hbtbank.com ip4:173.214.206.103 ip4:173.214.206.99 ip4:173.214.206.69 ip4:69.166.143.0/24 ip4:142.0.177.0/24 ip4:52.128.98.35 ip4:52.128.98.36 ip4:52.128.98.34 ip4:12.189.22.0/24 ip4:12.186.70.0/23 ip4:12.185.165.0/24 ip4:12.8.96.0/24 ip4:216.116.80.0/20 ip4:146.20.14.105 ip4:50.56.130.220 ip4:199.15.212.0/22 ip4:143.55.235.217 ip4:149.72.128.180 ip4:167.89.116.40 ip4:104.152.224.0/24 ip4:68.232.128.0/19 ip4:216.71.154.163 ip4:216.71.150.54 ip4:204.232.236.0/23 ip4:204.232.250.0/24 ip4:207.97.230.0/24 ip4:5.152.185.0/24 ip4:50.56.144.0/24 ip4:72.32.253.64/26 ip4:8.19.118.0/24 ip4:8.31.233.0/24 ip4:92.52.89.64/26 ip4:72.3.212.195 ip4:198.37.147.129 ip4:23.253.182.103 ip4:23.253.183.145 ip4:23.253.183.146 ip4:23.253.183.147 ip4:23.253.183.148 ip4:23.253.183.150 ip4:166.78.68.221 ip4:166.78.69.146 ip4:167.89.64.9 ip4:167.89.65.0 ip4:167.89.65.53 ip4:167.89.65.100 ip4:167.89.74.233 ip4:167.89.75.33 ip4:167.89.75.126 ip4:167.89.75.136 ip4:167.89.75.164 ip4:192.237.159.42 ip4:192.237.159.43 ip4:5.152.188.0/24 ip4:174.37.170.192/27 ip4:75.126.84.128/26 ip4:67.228.8.0/25 ip4:67.227.149.19 ip4:64.56.208.32/27 ip4:67.228.91.90 ip4:67.228.158.174 ip4:174.36.44.116/30 ip4:50.201.66.168 ip4:63.71.8.0/21 ip4:199.30.232.0/21 ip4:74.203.184.0/23 ip4:167.89.46.159 ip4:72.3.185.0/24 ip4:72.32.154.0/24 ip4:72.32.217.0/24 ip4:72.32.243.0/24 ip4:94.236.119.0/26 ip4:37.188.97.188 ip4:185.28.196.0/22 ip4:192.28.128.0/18 ip4:103.237.104.0/22 ip4:130.248.172.0/24 ip4:130.248.173.0/24 ip4:209.251.98.146 ip4:209.251.103.79 ip4:167.89.11.238 ip4:72.15.225.0/24 ip4:50.45.89.124 ip4:192.254.121.248 ip4:23.21.109.212 ip4:23.21.109.197 ip4:75.98.93.128/26 ip4:67.22.111.164/24 ip4:67.22.111.165/24 ip4:67.217.237.192/26 ip4:66.179.50.128/26 ip4:199.122.123.94 ip4:216.201.112.39 ip4:216.251.225.209 ip4:216.251.255.180 ip4:97.64.229.74 ip4:66.151.150.237 ip4:64.94.160.144 ip4:208.250.67.194 ip4:74.200.32.0/19 ip4:160.34.64.14 ip4:104.152.226.0/24 ip4:104.152.225.0/24 ip4:184.10.206.76 ip4:50.45.89.68 ip4:216.139.202.13 ip4:216.139.202.12 ip4:216.139.202.11 ip4:108.169.153.226 ip4:67.231.156.254 ip4:67.231.148.255 ip4:198.185.62.235 ip4:209.251.100.160/28 ip4:68.233.77.18 ip4:216.27.18.192/26 ip4:128.136.37.0/24 ip4:66.179.102.0/25 ip4:66.179.68.0/26 ip4:12.106.86.235 ip4:64.124.237.245 ip4:50.45.89.99 ip4:50.45.89.67 ip4:50.45.89.69 ip4:142.0.176.0/20 ip4:216.66.217.243 ip4:216.66.217.245 ip4:216.66.217.246 ip4:208.72.249.243 ip4:208.72.249.244 ip4:208.72.249.245 ip4:208.72.249.246 ip4:216.251.225.208 ip4:173.252.181.0/24 ip4:74.200.28.190 ip4:66.179.147.160/27 ip4:204.232.162.112/28 ip4:204.232.180.112/29 ip4:204.232.180.128/29 ip4:69.20.119.216/29 ip4:76.12.109.192/27 ip4:67.59.141.128/28 ip4:209.41.176.224/28 ip4:69.48.230.0/25 ip4:216.66.217.244 ip4:209.182.248.78 ip4:209.182.249.78 ip4:149.72.198.89 ip4:68.171.150.128/26 ip4:167.89.14.210 ip4:167.89.61.243 ip4:12.189.22.0/24 ip4:12.186.70.0/23 ip4:12.185.165.0/24 ip4:12.8.96.0/24 include:app.sgizmo.com include:spfref.jackhenry.com include:mktomail.com include:mailgun.org -all. DNS lookups: 9 of 10 allowed; ends -all |
| DMARC | Warn | v=DMARC1; p=quarantine; sp=none; rua=mailto:re+d60c1a149cb5@inbound.dmarcdigests.com,mailto:dmarc_agg@vali.email; ruf=mailto:ccarr@hbtbank.com; aspf=r; fo=1; pct=100. Policy p=quarantine, subdomains sp=none, applied to 100% of mail; 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 |
Heartland Bank and Trust Company is the 221st largest FDIC-insured US bank by total assets, at $6.7bn as reported to the FDIC (certificate 20369; Bloomington, Illinois). Among the 999 graded banks, Heartland Bank and Trust Company ranks 714th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 573rd of 846; among the 52 graded banks in Illinois, 46th. 66% of its band and 82.7% of its state graded A.
The checker's own notes on each record:
Heartland Bank and Trust Company lists MX hosts under its own domain, so it runs or fronts its own mail servers. What filters sit behind them is not visible from DNS; assume they check SPF, DKIM and DMARC like everyone else, and that a bank-run gateway is at least as strict as a commercial one. 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.
The records above are from 4 November 2026. Run the same check on hbtbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 20369.
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 Heartland Bank and Trust Company 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
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