State Bank of Texas: email security grade B

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State Bank of Texas, Irving, Texas, is the 477th largest FDIC-insured US bank by total assets ($2.6bn). On 4 November 2026 the public email records of sbt.bank graded B: MX pass, SPF warn, DMARC p=reject, 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 sbt.bank

Check	Result	What was published
MX	Pass	`0 sbt-bank.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 include:spf.protection.outlook.com include:_s79957893.fdmarc.net ~all`. DNS lookups: 2 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; rua=mailto:dmarc@encirca.com; ruf=mailto:dmarc@encirca.com`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2, s1, s2 (of 10 common selectors tried)

Where State Bank of Texas ranks

State Bank of Texas is the 477th largest FDIC-insured US bank by total assets, at $2.6bn as reported to the FDIC (certificate 27074; Irving, Texas). Among the 999 graded banks, State Bank of Texas ranks 783rd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 642nd of 846; among the 86 graded banks in Texas, 75th. 66% of its band and 76.7% 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 (softfail): mail from a server that is not on the list is treated as suspect.
SPF, warn: _s79957893.fdmarc.net is included but publishes no single SPF record. Receivers treat that as an error, and SPF fails for any message that gets that far.
SPF, info: DNS lookups: about 2 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to dmarc@encirca.com.
DKIM, pass: DKIM key found at selector1._domainkey.sbt.bank, about 2048-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.sbt.bank, about 2048-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.sbt.bank, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.sbt.bank, about 2048-bit RSA.

What this means if you sell to State Bank of Texas

State Bank of Texas 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 sbt.bank now for today's result. The FDIC's record of the bank is at BankFind, certificate 27074.

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 State Bank of Texas 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