Montgomery Bank: email security grade B

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Montgomery Bank, Sikeston, Missouri, is the 889th largest FDIC-insured US bank by total assets ($1.2bn). On 4 November 2026 the public email records of montgomerybank.com graded B: MX pass, SPF pass, DMARC p=reject, mail handled by Barracuda.

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 montgomerybank.com

Check	Result	What was published
MX	Pass	`10 d335400a.ess.barracudanetworks.com`, `10 mail.montgomerybank.com`, `20 d335400b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	`v=spf1 redirect=montgomerybank.com.hosted.spf-report.com`. DNS lookups: 8 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1;p=reject;pct=50;fo=1;rua=mailto:7b54f846@mxtoolbox.dmarc-report.com;ruf=mailto:7b54f846@forensics.dmarc-report.com`. Policy p=reject, applied to 50% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector mail (of 10 common selectors tried)

Where Montgomery Bank ranks

Montgomery Bank is the 889th largest FDIC-insured US bank by total assets, at $1.2bn as reported to the FDIC (certificate 8255; Sikeston, Missouri). Among the 999 graded banks, Montgomery Bank ranks 879th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 738th of 846; among the 35 graded banks in Missouri, 32nd. 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: 3 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: The record hands over to montgomerybank.com.hosted.spf-report.com with redirect=, so its ending comes from that record.
SPF, info: DNS lookups: about 8 of the 10 allowed. One more sending service could push it over. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, warn: pct=50: the policy covers only 50% of mail that fails.
DMARC, info: Reports go to 7b54f846@mxtoolbox.dmarc-report.com.
DKIM, pass: DKIM key found at mail._domainkey.montgomerybank.com, about 1024-bit RSA.

What this means if you sell to Montgomery Bank

Montgomery 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 montgomerybank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 8255.

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 Montgomery 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