The Lowell Five Cent Savings Bank: email security grade B

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The Lowell Five Cent Savings Bank, Tewksbury, Massachusetts, is the 614th largest FDIC-insured US bank by total assets ($1.9bn). On 4 November 2026 the public email records of lowellfive.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Barracuda.

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 lowellfive.com

Check	Result	What was published
MX	Pass	`15 d206894a.ess.barracudanetworks.com`, `19 d206894b.ess.barracudanetworks.com`. Mail handled by Barracuda
SPF	Pass	v=spf1 include:_spf.salesforce.com include:client_spf.fivision.com include:spf.cocci.com include:spf.protection.outlook.com include:spf.zixsmbhosted.com include:aspmx.pardot.com include:ddsservicebureau.com ip4:40.138.22.36/32 ip4:12.191.12.64/26 ip4:74.119.46.96/27 ip4:63.234.182.60/32 ip4:12.44.79.201/32 ip4:12.44.79.182/32 ip4:66.162.241.250/32 ip4:63.96.72.166/32 ip4:206.152.26.164/32 ip4:98.158.80.156/32 ip4:96.93.142.100/32 ip4:12.184.102.26/32 ip4:12.184.102.12/32 ip4:63.115.138.26/32 ip4:63.115.138.12/32 ip4:209.34.255.0/24 ip4:40.138.22.39/32 ip4:50.218.49.58 ip4:68.232.131.30 ip4:68.232.140.103 ip4:68.232.143.79 ip4:68.232.149.148 ip4:149.72.249.133 ip4:149.72.28.198 ip4:149.72.28.49 ip4:50.31.35.233 ~all. DNS lookups: 10 or more of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none;rua=mailto:dmarc_reports@lowellfive.com`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where The Lowell Five Cent Savings Bank ranks

The Lowell Five Cent Savings Bank is the 614th largest FDIC-insured US bank by total assets, at $1.9bn as reported to the FDIC (certificate 90227; Tewksbury, Massachusetts). Among the 999 graded banks, The Lowell Five Cent Savings Bank ranks 812th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 671st of 846; among the 47 graded banks in Massachusetts, 36th. 66% of its band and 61.7% 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: at least 10 of the 10 allowed. One more sending service could push it over. This count is an estimate.
SPF, info: The record uses SPF macros, which only resolve for a real message, so the lookup count is a floor.
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 dmarc_reports@lowellfive.com.
DKIM, pass: DKIM key found at selector1._domainkey.lowellfive.com, about 1024-bit RSA.

What this means if you sell to The Lowell Five Cent Savings Bank

The Lowell Five Cent Savings Bank routes inbound mail through Barracuda, 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 lowellfive.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 90227.

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 Lowell Five Cent Savings 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