Oakworth Capital Bank: email security grade B

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Oakworth Capital Bank, Birmingham, Alabama, is the 564th largest FDIC-insured US bank by total assets ($2.1bn). On 4 November 2026 the public email records of oakworth.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Other.

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 oakworth.com

Check	Result	What was published
MX	Pass	`10 mx.usa.net`, `20 mx.ct.mbox.net`. Mail handled by Other
SPF	Pass	`v=spf1 ip4:74.200.32.0/19 ip4:216.116.80.0/20 ip4:50.31.63.161 ip4:156.55.0.0/16 include:spf.mandrillapp.com include:spfhost.messageprovider.com a:monitor.ensenta.com include:gateways.apiture.com include:spf.usa.net include:spf.emailsignatures365.com include:spf.protection.outlook.com include:spfref.jackhenry.com ~all`. DNS lookups: 10 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:dmarcreports@oakworth.com; adkim=r; aspf=r; pct=10`. Policy p=none, applied to 10% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors s1, s2 (of 10 common selectors tried)

Where Oakworth Capital Bank ranks

Oakworth Capital Bank is the 564th largest FDIC-insured US bank by total assets, at $2.1bn as reported to the FDIC (certificate 58783; Birmingham, Alabama). Among the 999 graded banks, Oakworth Capital Bank ranks 800th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 659th of 846; among the 17 graded banks in Alabama, 11th. 66% of its band and 47.1% 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: about 10 of the 10 allowed. One more sending service could push it over. This count is an estimate.
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 dmarcreports@oakworth.com.
DKIM, pass: DKIM key found at s1._domainkey.oakworth.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.oakworth.com, about 2048-bit RSA.

What this means if you sell to Oakworth Capital Bank

Oakworth Capital 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 oakworth.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 58783.

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 Oakworth Capital 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