The Central Trust Bank: email security grade B

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The Central Trust Bank, Jefferson City, Missouri, is the 101st largest FDIC-insured US bank by total assets ($20bn). On 4 November 2026 the public email records of centralbank.net graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Mimecast.

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 centralbank.net

Check	Result	What was published
MX	Pass	`10 us-smtp-inbound-1.mimecast.com`, `10 us-smtp-inbound-2.mimecast.com`. Mail handled by Mimecast
SPF	Pass	`v=spf1 ip4:199.255.160.0/22 ip4:207.45.164.0/24 include:spf.protection.outlook.com include:spf1.centralbank.net include:spfhost.messageprovider.com include:us._netblocks.mimecast.com ~all`. DNS lookups: 6 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=quarantine; pct=100; rua=mailto:re+lcrnhiuty0w@dmarc.postmarkapp.com; ruf=mailto:dmarcForensicReports@centralbank.net; sp=none; aspf=r;`. Policy p=quarantine, subdomains sp=none, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, k1, s1, s2 (of 10 common selectors tried)

Where The Central Trust Bank ranks

The Central Trust Bank is the 101st largest FDIC-insured US bank by total assets, at $20bn as reported to the FDIC (certificate 12633; Jefferson City, Missouri). Among the 999 graded banks, The Central Trust Bank ranks 688th by grade (ties broken by assets, larger first). In its asset band, $10bn to $100bn, it ranks 100th of 122; among the 35 graded banks in Missouri, 23rd. 69.7% 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: 2 MX records. 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, info: DNS lookups: about 6 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 centralbank.net gets no policy, so the subdomains can be spoofed.
DMARC, info: Reports go to re+lcrnhiuty0w@dmarc.postmarkapp.com.
DKIM, pass: DKIM key found at selector1._domainkey.centralbank.net, about 1024-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.centralbank.net, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.centralbank.net, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.centralbank.net, about 1024-bit RSA.

What this means if you sell to The Central Trust Bank

The Central Trust 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 centralbank.net now for today's result. The FDIC's record of the bank is at BankFind, certificate 12633.

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 Central Trust 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