Horizon Bank: email security grade A

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Horizon Bank, Michigan City, Indiana, is the 227th largest FDIC-insured US bank by total assets ($6.5bn). On 4 November 2026 the public email records of horizonbank.com 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 horizonbank.com

Check	Result	What was published
MX	Pass	`10 horizonbank-com.mx1.arsmtp.com`, `20 horizonbank-com.mx2.arsmtp.com`. Mail handled by Other
SPF	Pass	`v=spf1 include:_u.horizonbank.com._spf.dmarcld.com ~all`. DNS lookups: 10 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; rua=mailto:638e0f53b19a9@ag.dmarcly.com; ruf=mailto:638e0f53b19a9@fo.dmarcly.com; fo=1;`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, s1, s2 (of 10 common selectors tried)

Where Horizon Bank ranks

Horizon Bank is the 227th largest FDIC-insured US bank by total assets, at $6.5bn as reported to the FDIC (certificate 4360; Michigan City, Indiana). Among the 999 graded banks, Horizon Bank ranks 169th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 54th of 846; among the 20 graded banks in Indiana, 5th. 66% of its band and 65% 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: at least 10 of the 10 allowed. One more sending service could push it over. This count is an estimate.
SPF, info: Some includes could not be followed, so the lookup count may be low.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to 638e0f53b19a9@ag.dmarcly.com.
DKIM, pass: DKIM key found at selector1._domainkey.horizonbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.horizonbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.horizonbank.com, about 2048-bit RSA.

What this means if you sell to Horizon Bank

Horizon 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 horizonbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 4360.

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 Horizon 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