Peoples National Bank: email security grade C

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Peoples National Bank, Mount Vernon, Illinois, is the 573rd largest FDIC-insured US bank by total assets ($2.1bn). On 4 November 2026 the public email records of peoplesnationalbank.com graded C: MX pass, SPF warn, DMARC p=none, mail handled by Microsoft 365.

Grade C. Two settings do less than they seem to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on peoplesnationalbank.com

Check	Result	What was published
MX	Pass	`10 peoplesnationalbank-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 ip4:207.45.164.0/24 ip4:68.232.131.30 ip4:68.232.140.103 ip4:68.232.143.79 ip4:68.232.149.148 ip4:149.72.198.89 include:spf.salesforce.com include:spfhost.messageprovider.com include:sendgrid.net include:amazonses.com include:spf-00767501.pphosted.com include:_spf.psm.knowbe4.com include:spf.protection.outlook.com include:spfa.cpmails.com -all`. DNS lookups: 11 or more of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none; pct=100; fo=1; ri=3600; rua=mailto:a6b4c16c@inbox.ondmarc.com; ruf=mailto:a6b4c16c@inbox.ondmarc.com;`. Policy p=none, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2, s1, s2 (of 10 common selectors tried)

Where Peoples National Bank ranks

Peoples National Bank is the 573rd largest FDIC-insured US bank by total assets, at $2.1bn as reported to the FDIC (certificate 3809; Mount Vernon, Illinois). Among the 999 graded banks, Peoples National Bank ranks 923rd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 780th of 846; among the 52 graded banks in Illinois, 51st. 66% of its band and 82.7% 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, warn: DNS lookups: at least 11, over the limit of 10 in RFC 7208. Receivers that count the same way return an error, and SPF fails for any message not matched before the limit. 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 a6b4c16c@inbox.ondmarc.com.
DKIM, pass: DKIM key found at selector1._domainkey.peoplesnationalbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.peoplesnationalbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.peoplesnationalbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.peoplesnationalbank.com, about 1024-bit RSA.

What this means if you sell to Peoples National Bank

Peoples 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 peoplesnationalbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 3809.

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 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