The Citizens National Bank of Bluffton: email security grade B

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The Citizens National Bank of Bluffton, Bluffton, Ohio, is the 941st largest FDIC-insured US bank by total assets ($1.1bn). On 4 November 2026 the public email records of cnbohio.com graded B: MX pass, SPF pass, DMARC p=none, 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 cnbohio.com

Check	Result	What was published
MX	Pass	`20 cnbohio-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 ip4:166.73.20.156 ip4:12.145.177.237 ip4:166.73.19.161 ip4:74.219.138.195 ip4:167.100.43.114 ip4:208.235.248.20 ip4:50.58.9.15 include:mailgun.org include:spf.cashedge.com include:gateways.firstdata.com include:spf.protection.outlook.com a mx ~all`. DNS lookups: 10 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:postmaster@cnbohio.com;`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2 (of 10 common selectors tried)

Where The Citizens National Bank of Bluffton ranks

The Citizens National Bank of Bluffton is the 941st largest FDIC-insured US bank by total assets, at $1.1bn as reported to the FDIC (certificate 6531; Bluffton, Ohio). Among the 999 graded banks, The Citizens National Bank of Bluffton ranks 890th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 749th of 846; among the 35 graded banks in Ohio, 33rd. 66% of its band and 82.9% 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, info: DNS lookups: about 10 of the 10 allowed. One more sending service could push it over. This count is an estimate.
DMARC, warn: Policy p=none: receivers are asked to do nothing with mail that fails. Reports are on, so you can see what fails.
DMARC, info: Reports go to postmaster@cnbohio.com.
DKIM, pass: DKIM key found at selector1._domainkey.cnbohio.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.cnbohio.com, about 2048-bit RSA.

What this means if you sell to The Citizens National Bank of Bluffton

The Citizens National Bank of Bluffton 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 cnbohio.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 6531.

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 Citizens National Bank of Bluffton 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