Peoples Bank: email security grade B

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Peoples Bank, Newton, North Carolina, is the 639th largest FDIC-insured US bank by total assets ($1.8bn). On 4 November 2026 the public email records of peoplesbanknc.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Proofpoint.

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 peoplesbanknc.com

Check	Result	What was published
MX	Pass	`10 mxa-00196101.gslb.pphosted.com`, `10 mxb-00196101.gslb.pphosted.com`. Mail handled by Proofpoint
SPF	Pass	`v=spf1 include:%{ir}.%{v}.%{d}.spf.has.pphosted.com include:amazonses.com include:sendgrid.net include:spf.protection.outlook.com include:u3620291.wl042.sendgrid.net ip4:64.239.254.173 ~all`. DNS lookups: 6 or more of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; fo=1; rua=mailto:dmarc_rua@emaildefense.proofpoint.com; ruf=mailto:dmarc_ruf@emaildefense.proofpoint.com`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector k1 (of 10 common selectors tried)

Where Peoples Bank ranks

Peoples Bank is the 639th largest FDIC-insured US bank by total assets, at $1.8bn as reported to the FDIC (certificate 5956; Newton, North Carolina). Among the 999 graded banks, Peoples Bank ranks 818th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 677th of 846; among the 14 graded banks in North Carolina, 12th. 66% of its band and 71.4% 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: at least 6 of the 10 allowed. 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 dmarc_rua@emaildefense.proofpoint.com.
DKIM, pass: DKIM key found at k1._domainkey.peoplesbanknc.com, about 1024-bit RSA.

What this means if you sell to Peoples Bank

Peoples Bank routes inbound mail through Proofpoint, 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 peoplesbanknc.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 5956.

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 Peoples 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