Newtek Bank: email security grade D

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Newtek Bank, Miami, Florida, is the 493rd largest FDIC-insured US bank by total assets ($2.5bn). On 4 November 2026 the public email records of newtekbank.com graded D: MX pass, SPF pass, DMARC no record, mail handled by Microsoft 365.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on newtekbank.com

Check	Result	What was published
MX	Pass	`0 newtekbank-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 ip4:167.89.11.238 include:spf.protection.outlook.com include:spf.cashedge.com -all`. DNS lookups: 2 of 10 allowed; ends -all
DMARC	Fail	No DMARC record at _dmarc.newtekbank.com
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 Newtek Bank ranks

Newtek Bank is the 493rd largest FDIC-insured US bank by total assets, at $2.5bn as reported to the FDIC (certificate 18734; Miami, Florida). Among the 999 graded banks, Newtek Bank ranks 955th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 803rd of 846; among the 30 graded banks in Florida, 30th. 66% of its band and 73.3% 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 2 of the 10 allowed. This count is an estimate.
DMARC, fail: No DMARC record at _dmarc.newtekbank.com. Receivers get no instruction for mail that fails SPF and DKIM, and you get no reports.
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 Newtek Bank

Newtek 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 newtekbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 18734.

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 Newtek 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