Southern Bank: email security grade B

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Southern Bank, Poplar Bluff, Missouri, is the 274th largest FDIC-insured US bank by total assets ($5.2bn). On 4 November 2026 the public email records of bankwithsouthern.com graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Microsoft 365.

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 bankwithsouthern.com

Check	Result	What was published
MX	Pass	`0 bankwithsouthern-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 ip4:76.11.185.70 ip4:38.21.148.139 ip4:209.214.16.43 ip4:204.8.188.199 ip4:12.144.98.2 include:spfref.jackhenry.com include:spf.protection.outlook.com include:gateways.apiture.com include:spf.myconnectwise.net -all`. DNS lookups: 7 of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=quarantine; rua=mailto:632cd7af6e0eb@ag.dmarcly.com; ruf=mailto:632cd7af6e0eb@fo.dmarcly.com; sp=none;`. Policy p=quarantine, subdomains sp=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors s1, s2 (of 10 common selectors tried)

Where Southern Bank ranks

Southern Bank is the 274th largest FDIC-insured US bank by total assets, at $5.2bn as reported to the FDIC (certificate 28332; Poplar Bluff, Missouri). Among the 999 graded banks, Southern Bank ranks 726th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 585th of 846; among the 35 graded banks in Missouri, 25th. 66% of its band and 57.1% 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, info: DNS lookups: about 7 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: sp=none: mail claiming to come from a subdomain of bankwithsouthern.com gets no policy, so the subdomains can be spoofed.
DMARC, info: Reports go to 632cd7af6e0eb@ag.dmarcly.com.
DKIM, pass: DKIM key found at s1._domainkey.bankwithsouthern.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.bankwithsouthern.com, about 1024-bit RSA.

What this means if you sell to Southern Bank

Southern 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 bankwithsouthern.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 28332.

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 Southern 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