The Bancorp Bank: email security grade D

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The Bancorp Bank, Sioux Falls, South Dakota, is the 169th largest FDIC-insured US bank by total assets ($9.2bn). On 4 November 2026 the public email records of thebancorp.com graded D: MX pass, SPF warn, DMARC no record, mail handled by Mimecast.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on thebancorp.com

Check	Result	What was published
MX	Pass	`10 us-smtp-inbound-1.mimecast.com`. Mail handled by Mimecast
SPF	Warn	`v=spf1 mx ip4:204.77.161.38 ip4:204.77.161.54 ip4:13.111.68.15 include:sent-via.netsuite.com include:_netblocks.mimecast.com ~all`. DNS lookups: 15 of 10 allowed; ends ~all
DMARC	Fail	No DMARC record at _dmarc.thebancorp.com
DKIM	Reported, not graded	No key on any of 10 common selectors. This proves nothing: the bank's real selectors may be any name

Where The Bancorp Bank ranks

The Bancorp Bank is the 169th largest FDIC-insured US bank by total assets, at $9.2bn as reported to the FDIC (certificate 35444; Sioux Falls, South Dakota). Among the 999 graded banks, The Bancorp Bank ranks 944th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 792nd of 846; among the 17 graded banks in South Dakota, 16th. 66% of its band and 58.8% 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.
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: DNS lookups: about 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.
DMARC, fail: No DMARC record at _dmarc.thebancorp.com. Receivers get no instruction for mail that fails SPF and DKIM, and you get no reports.
DKIM, info: No DKIM key at the 10 common selectors tried. That does not mean DKIM is missing. Your email provider picks the selector name, and DNS has no way to list them.

What this means if you sell to The Bancorp Bank

The Bancorp Bank routes inbound mail through Mimecast, 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 thebancorp.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 35444.

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 The Bancorp 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