South Central Bank, Inc.: email security grade B

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South Central Bank, Inc., Glasgow, Kentucky, is the 536th largest FDIC-insured US bank by total assets ($2.3bn). On 4 November 2026 the public email records of southcentralbank.com graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Barracuda.

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 southcentralbank.com

Check	Result	What was published
MX	Pass	`10 d166106a.ess.barracudanetworks.com`, `20 d166106b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	`v=spf1 include:_u.southcentralbank.com._spf.dmarclg.com -all`. DNS lookups: 6 of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=quarantine; rua=mailto:65a6bda98ebf4@ag.dmarcly.com; ruf=mailto:65a6bda98ebf4@fo.dmarcly.com; sp=quarantine; pct=10; fo=0:1:d:s;`. Policy p=quarantine, subdomains sp=quarantine, applied to 10% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, s1, s2 (of 10 common selectors tried)

Where South Central Bank, Inc. ranks

South Central Bank, Inc. is the 536th largest FDIC-insured US bank by total assets, at $2.3bn as reported to the FDIC (certificate 5854; Glasgow, Kentucky). Among the 999 graded banks, South Central Bank, Inc. ranks 796th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 655th of 846; among the 17 graded banks in Kentucky, 11th. 66% of its band and 52.9% 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, info: DNS lookups: about 6 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, warn: pct=10: the policy covers only 10% of mail that fails.
DMARC, info: Reports go to 65a6bda98ebf4@ag.dmarcly.com.
DKIM, pass: DKIM key found at selector1._domainkey.southcentralbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.southcentralbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.southcentralbank.com, about 1024-bit RSA.

What this means if you sell to South Central Bank, Inc.

South Central Bank, Inc. routes inbound mail through Barracuda, 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 southcentralbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 5854.

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 South Central Bank, Inc. 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