SmartBank: email security grade C

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SmartBank, Pigeon Forge, Tennessee, is the 239th largest FDIC-insured US bank by total assets ($6.1bn). On 4 November 2026 the public email records of smartbank.com graded C: MX pass, SPF warn, DMARC p=none, mail handled by Other.

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 smartbank.com

Check	Result	What was published
MX	Pass	`10 smartbank-com.mx1.arsmtp.com`, `20 smartbank-com.mx2.arsmtp.com`. Mail handled by Other
SPF	Warn	v=spf1 include:spfhost.messageprovider.com include:spf.protection.outlook.com include:emailus.freshservice.com include:spf.us.exclaimer.net include:smartbank-com.spf.smtp25.com include:spf1.smartbank.com ip4:168.245.0.0/17 ip4:149.72.0.0/16 ip4:199.30.234.56/29 ip4:74.203.184.208/30 ip4:199.30.234.64/26 ip4:199.30.234.192/27 ip4:74.203.184.32/27 ip4:207.195.176.0/20 ip4:216.224.133.225 ip4:216.224.133.226 ip4:66.18.62.16/28 ip4:192.111.26.32/27 ip4:52.40.46.90 ip4:68.232.131.30 ip4:68.232.140.103 ip4:68.232.143.79 ip4:68.232.149.148 -all. DNS lookups: 11 of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:6353131c14aa2@ag.dmarcly.com; ruf=mailto:6353131c14aa2@fo.dmarcly.com; sp=none;`. Policy p=none, subdomains sp=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2, s1, s2 (of 10 common selectors tried)

Where SmartBank ranks

SmartBank is the 239th largest FDIC-insured US bank by total assets, at $6.1bn as reported to the FDIC (certificate 58463; Pigeon Forge, Tennessee). Among the 999 graded banks, SmartBank ranks 908th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 765th of 846; among the 31 graded banks in Tennessee, 28th. 66% of its band and 54.8% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, warn: DNS lookups: about 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.
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 6353131c14aa2@ag.dmarcly.com.
DKIM, pass: DKIM key found at selector1._domainkey.smartbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.smartbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.smartbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.smartbank.com, about 2048-bit RSA.

What this means if you sell to SmartBank

SmartBank'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 smartbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 58463.

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 SmartBank 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