Independent Bank: email security grade A

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Independent Bank, Memphis, Tennessee, is the 623rd largest FDIC-insured US bank by total assets ($1.9bn). On 4 November 2026 the public email records of i-bankonline.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Barracuda.

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 i-bankonline.com

Check	Result	What was published
MX	Pass	`10 d120002a.ess.barracudanetworks.com`, `20 d120002b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	v=spf1 exists:%{i}.spf.hc197966.iphmx.com ip4:66.254.128.0/19 ip4:205.196.224.0/19 ip4:75.147.169.196 ip4:75.147.169.197 ip4:209.222.82.126 ip4:216.37.85.92 ip4:69.84.87.254 ip4:69.84.91.254 ip4:69.84.82.254 ip4:69.84.83.254 ip4:80.169.11.113 ip4:72.35.5.171 ip4:69.84.94.254 ip4:69.84.95.254 ip4:75.78.176.57 ip4:75.78.176.58 ip4:75.78.176.59 ip4:75.78.176.60 ip4:75.78.178.27 ip4:75.78.178.28 ip4:75.78.178.29 ip4:75.78.178.30 ip4:75.78.178.31 ip4:75.78.178.32 ip4:75.78.2.209 ip4:35.190.247.0/24 ip4:64.233.160.0/19 ip4:66.102.0.0/20 ip4:66.249.80.0/20 ip4:72.14.192.0/18 ip4:74.125.0.0/16 ip4:108.177.8.0/21 ip4:173.194.0.0/16 ip4:209.85.128.0/17 ip4:216.58.192.0/19 ip4:216.239.32.0/19 ip6:2001:4860:4000::/36 ip6:2404:6800:4000::/36 ip6:2607:f8b0:4000::/36 ip6:2800:3f0:4000::/36 ip6:2a00:1450:4000::/36 ip6:2c0f:fb50:4000::/36 ip4:172.217.0.0/19 ip4:172.217.32.0/20 ip4:172.217.128.0/19 ip4:172.217.160.0/20 ip4:172.217.192.0/19 ip4:172.253.56.0/21 ip4:172.253.112.0/20 ip4:108.177.96.0/19 ip4:35.191.0.0/16 ip4:130.211.0.0/22 ip4:209.34.255.250 ip4:209.34.255.251 ip4:128.136.104.250 ip4:44.214.246.148 ip4:199.30.234.56/29 ip4:74.203.184.208/30 ip4:199.30.234.64/26 ip4:199.30.234.192/27 ip4:74.203.184.32/27 ip4:207.195.176.0/20 ip4:52.128.98.36 ip4:52.128.98.35 ip4:52.128.98.34 ip4:74.200.60.34 ip4:216.37.85.93 ip4:216.37.68.228 ip4:205.196.255.190 ip4:63.117.120.96/27 ip4:69.38.149.224/27 ip4:208.252.57.192/27 ip4:66.254.159.128/25 ip4:205.196.255.128/25 a mx include:spf.digitalinsight.com include:cashedge.com -all. DNS lookups: 8 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; rua=mailto:dmarc@i-bankonline.com,mailto:re+r8ylsezitek@dmarc.postmarkapp.com; ruf=mailto:dmarc@i-bankonline.com; fo=0; adkim=r; aspf=r; pct=100; rf=afrf`. Policy p=quarantine, 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

Where Independent Bank ranks

Independent Bank is the 623rd largest FDIC-insured US bank by total assets, at $1.9bn as reported to the FDIC (certificate 34728; Memphis, Tennessee). Among the 999 graded banks, Independent Bank ranks 420th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 305th of 846; among the 31 graded banks in Tennessee, 9th. 66% of its band and 54.8% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, info: DNS lookups: at least 8 of the 10 allowed. One more sending service could push it over. This count is an estimate.
SPF, info: The record uses SPF macros, which only resolve for a real message, so the lookup count is a floor.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to dmarc@i-bankonline.com, re+r8ylsezitek@dmarc.postmarkapp.com.
DKIM, info: No DKIM key at the 10 common selectors tried. That does not mean DKIM is missing. Your email provider picks the selector name, and DNS has no way to list them.

What this means if you sell to Independent Bank

Independent Bank routes inbound mail through Barracuda, a filtering gateway. Expect strict inbound filtering: a message from a sender whose SPF, DKIM or DMARC fails, or whose domain has little sending history, is unlikely to reach a person. 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 i-bankonline.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 34728.

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 Independent 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