HNB National Bank: email security grade B

Home › Financial services › Bank Email Readiness Index › HNB National Bank

HNB National Bank, Hannibal, Missouri, is the 826th largest FDIC-insured US bank by total assets ($1.3bn). On 4 November 2026 the public email records of hnbbanks.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Other.

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 hnbbanks.com

Check	Result	What was published
MX	Pass	`10 mail.tcbankmidwest.com`. Mail handled by Other
SPF	Pass	`v=spf1 mx ip4:68.232.131.30 ip4:68.232.140.103 ip4:68.232.143.79 ip4:68.232.149.148 include:spf1.netteller.com include:spfref.jackhenry.com include:es._spf.adp.com ~all`. DNS lookups: 4 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:dmarc@hnbbanks.com; ruf=mailto:dmarc@hnbbanks.com; fo=1`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector s1 (of 10 common selectors tried)

Where HNB National Bank ranks

HNB National Bank is the 826th largest FDIC-insured US bank by total assets, at $1.3bn as reported to the FDIC (certificate 4540; Hannibal, Missouri). Among the 999 graded banks, HNB National Bank ranks 862nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 721st of 846; among the 35 graded banks in Missouri, 31st. 66% of its band and 57.1% 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.
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 4 of the 10 allowed. This count is an estimate.
DMARC, warn: Policy p=none: receivers are asked to do nothing with mail that fails. Reports are on, so you can see what fails.
DMARC, info: Reports go to dmarc@hnbbanks.com.
DKIM, pass: DKIM key found at s1._domainkey.hnbbanks.com, about 2048-bit RSA.

What this means if you sell to HNB National Bank

HNB National 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 hnbbanks.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 4540.

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 HNB National 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