Spencer Savings Bank, SLA: email security grade B

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Spencer Savings Bank, SLA, Elmwood Park, New Jersey, is the 320th largest FDIC-insured US bank by total assets ($4bn). On 4 November 2026 the public email records of spencersavings.com graded B: MX pass, SPF warn, DMARC p=reject, mail handled by Proofpoint.

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 spencersavings.com

Check	Result	What was published
MX	Pass	`10 mx1-us1.ppe-hosted.com`, `15 mx2-us1.ppe-hosted.com`, `30 mail.spencersavings.com`. Mail handled by Proofpoint
SPF	Warn	`v=spf1 a:dispatch-us.ppe-hosted.com include:spf.cashedge.com include:spf.digitalinsight.com include:spf.protection.outlook.com include:finastra.com -all`. DNS lookups: 15 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=reject; rua=mailto:tkhbhzfm@ag.dmarcian.com, mailto:dmarcreports@spencersavings.com;`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors default, k1, s1, s2 (of 10 common selectors tried)

Where Spencer Savings Bank, SLA ranks

Spencer Savings Bank, SLA is the 320th largest FDIC-insured US bank by total assets, at $4bn as reported to the FDIC (certificate 30076; Elmwood Park, New Jersey). Among the 999 graded banks, Spencer Savings Bank, SLA ranks 736th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 595th of 846; among the 22 graded banks in New Jersey, 17th. 66% of its band and 63.6% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 3 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: at least 15, 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, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to tkhbhzfm@ag.dmarcian.com, dmarcreports@spencersavings.com.
DKIM, pass: DKIM key found at default._domainkey.spencersavings.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.spencersavings.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.spencersavings.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.spencersavings.com, about 1024-bit RSA.

What this means if you sell to Spencer Savings Bank, SLA

Spencer Savings Bank, SLA routes inbound mail through Proofpoint, 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 spencersavings.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 30076.

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 Spencer Savings Bank, SLA 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