Nicolet National Bank: email security grade B

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Nicolet National Bank, Green Bay, Wisconsin, is the 121st largest FDIC-insured US bank by total assets ($15bn). On 4 November 2026 the public email records of nicoletbank.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Microsoft 365.

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 nicoletbank.com

Check	Result	What was published
MX	Pass	`10 nicoletbank-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 include:spf.protection.outlook.com include:_spf.123contactform.com exists:%{i}._spf.mta.salesforce.com include:spf.happyfox.com include:gateways.firstdata.com include:spf.cashedge.com include:spfref.jackhenry.com ip4:67.53.76.22 ip4:34.233.36.94 ip4:54.196.160.136 ip4:208.75.120.0/22 ip4:12.175.11.50 ip4:66.179.217.30 ip4:207.67.42.11 ip4:54.152.71.114 ip4:170.146.220.0/24 ip4:170.146.221.0/24 -all`. DNS lookups: 8 or more of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:a969db11d270485a9dbe6d8cf113a225@dmarc-reports.cloudflare.net;`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2 (of 10 common selectors tried)

Where Nicolet National Bank ranks

Nicolet National Bank is the 121st largest FDIC-insured US bank by total assets, at $15bn as reported to the FDIC (certificate 57038; Green Bay, Wisconsin). Among the 999 graded banks, Nicolet National Bank ranks 694th by grade (ties broken by assets, larger first). In its asset band, $10bn to $100bn, it ranks 106th of 122; among the 29 graded banks in Wisconsin, 22nd. 69.7% of its band and 72.4% 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: 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, warn: Policy p=none: receivers are asked to do nothing with mail that fails. Reports are on, so you can see what fails.
DMARC, info: Reports go to a969db11d270485a9dbe6d8cf113a225@dmarc-reports.cloudflare.net.
DKIM, pass: DKIM key found at selector1._domainkey.nicoletbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.nicoletbank.com, about 2048-bit RSA.

What this means if you sell to Nicolet National Bank

Nicolet National 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 nicoletbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 57038.

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 Nicolet National 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