HomeTrust Bank: email security grade A

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HomeTrust Bank, Asheville, North Carolina, is the 303rd largest FDIC-insured US bank by total assets ($4.4bn). On 4 November 2026 the public email records of htb.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Microsoft 365.

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 htb.com

Check	Result	What was published
MX	Pass	`1 htb-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 include:_spf.atlassian.net include:spf.protection.outlook.com ip4:12.182.14.128/25 ip4:12.186.124.128/27 ip4:63.71.8.0/21 ip4:12.145.177.237 ip4:12.145.177.240 ip4:166.73.19.150 ip4:66.128.55.163 ip4:161.58.213.13 ip4:140.174.79.145 ip4:208.83.143.203 ip4:159.183.0.239 include:4976085.spf07.hubspotemail.net include:spf.cashedge.com include:spf2.htb.com -all`. DNS lookups: 9 of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; sp=quarantine; rua=mailto:dmarcreports@htb.com!15m; ruf=mailto:dmarcfail@htb.com!15m; rf=afrf; pct=100; ri=86400`. Policy p=quarantine, subdomains sp=quarantine, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, k1, s1, s2 (of 10 common selectors tried)

Where HomeTrust Bank ranks

HomeTrust Bank is the 303rd largest FDIC-insured US bank by total assets, at $4.4bn as reported to the FDIC (certificate 27677; Asheville, North Carolina). Among the 999 graded banks, HomeTrust Bank ranks 226th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 111th of 846; among the 14 graded banks in North Carolina, 7th. 66% of its band and 71.4% 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 9 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, info: Reports go to dmarcreports@htb.com!15m.
DKIM, pass: DKIM key found at selector1._domainkey.htb.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.htb.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.htb.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.htb.com, about 2048-bit RSA.

What this means if you sell to HomeTrust Bank

HomeTrust 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 htb.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 27677.

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 HomeTrust 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