Southern Michigan Bank & Trust: email security grade A

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Southern Michigan Bank & Trust, Coldwater, Michigan, is the 659th largest FDIC-insured US bank by total assets ($1.7bn). On 4 November 2026 the public email records of smb-t.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Barracuda.

Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.

What was found on smb-t.com

Check	Result	What was published
MX	Pass	`5 d17961a.ess.barracudanetworks.com`, `10 d17961b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	`v=spf1 ip4:166.78.71.3 ip4:166.78.71.4 ip4:161.38.192.0/20 ip4:209.85.220.69 ip4:208.63.79.0/24 include:spf.ess.barracudanetworks.com include:spf.protection.outlook.com include:spfref.jackhenry.com include:amazonses.com include:mail.infovisa.com include:spf.meridianlink.com include:notifications.ncontracts.com include:_spf.psm.knowbe4.com -all`. DNS lookups: 9 of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; fo=s; rua=mailto:ensadmin@smb-t.com; ruf=mailto:ensadmin@smb-t.com`. Policy p=quarantine; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2, s1, s2 (of 10 common selectors tried)

Where Southern Michigan Bank & Trust ranks

Southern Michigan Bank & Trust is the 659th largest FDIC-insured US bank by total assets, at $1.7bn as reported to the FDIC (certificate 5019; Coldwater, Michigan). Among the 999 graded banks, Southern Michigan Bank & Trust ranks 447th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 332nd of 846; among the 16 graded banks in Michigan, 8th. 66% of its band and 62.5% 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 9 of the 10 allowed. One more sending service could push it over. This count is an estimate.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to ensadmin@smb-t.com.
DKIM, pass: DKIM key found at selector1._domainkey.smb-t.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.smb-t.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.smb-t.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.smb-t.com, about 1024-bit RSA.

What this means if you sell to Southern Michigan Bank & Trust

Southern Michigan Bank & Trust 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 smb-t.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 5019.

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 Michigan Bank & Trust 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