The First National Bank of Fort Smith: email security grade B

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The First National Bank of Fort Smith, Fort Smith, Arkansas, is the 527th largest FDIC-insured US bank by total assets ($2.3bn). On 4 November 2026 the public email records of fnbfs.com graded B: MX pass, SPF warn, DMARC p=quarantine, 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 fnbfs.com

Check	Result	What was published
MX	Pass	`10 fnbfs-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 ip4:68.171.150.128/26 ip4:12.170.57.133 include:spfref.jackhenry.com include:spfhost.messageprovider.com include:gateways.firstdata.com a:ssl.certifiedmail.com include:mailgun.org include:spf.protection.outlook.com include:_external.pscu.com -all`. DNS lookups: 12 of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; rua=mailto:dmarc@f1rstnb.com,mailto:dmarc_agg@vali.email;`. Policy p=quarantine; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, k1 (of 10 common selectors tried)

Where The First National Bank of Fort Smith ranks

The First National Bank of Fort Smith is the 527th largest FDIC-insured US bank by total assets, at $2.3bn as reported to the FDIC (certificate 3864; Fort Smith, Arkansas). Among the 999 graded banks, The First National Bank of Fort Smith ranks 795th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 654th of 846; among the 23 graded banks in Arkansas, 20th. 66% of its band and 65.2% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, warn: DNS lookups: about 12, 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, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to dmarc@f1rstnb.com, dmarc_agg@vali.email.
DKIM, pass: DKIM key found at selector1._domainkey.fnbfs.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.fnbfs.com, about 1024-bit RSA.

What this means if you sell to The First National Bank of Fort Smith

The First National Bank of Fort Smith 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 fnbfs.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 3864.

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 First National Bank of Fort Smith 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