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The Monticello Banking Company, Monticello, Kentucky, is the 970th largest FDIC-insured US bank by total assets ($1.1bn). On 4 November 2026 the public email records of mbcbank.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Microsoft 365.
Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.
| Check | Result | What was published |
|---|---|---|
| MX | Pass | 0 mbcbank-com.mail.protection.outlook.com. Mail handled by Microsoft 365 |
| SPF | Pass | v=spf1 mx a ip4:216.116.80.85/32 ip4:216.116.87.142/32 ip4:74.200.60.34/32 ip4:74.200.63.122/32 ip4:216.116.87.64/32 ip4:216.116.87.11/32 ip4:74.200.60.12/32 ip4:139.55.112.161/32 include:spfref.jackhenry.com include:spf.protection.outlook.com a:mail2.emessenger-fd.com include:_external.pscu.com -all. DNS lookups: 7 of 10 allowed; ends -all |
| DMARC | Pass | v=DMARC1; p=quarantine; fo=1; rua=mailto:helpdesk@mbcbank.com;. Policy p=quarantine; reports collected (rua= set) |
| DKIM | Pass, not graded | Key found on selectors selector1, selector2 (of 10 common selectors tried) |
The Monticello Banking Company is the 970th largest FDIC-insured US bank by total assets, at $1.1bn as reported to the FDIC (certificate 292; Monticello, Kentucky). Among the 999 graded banks, The Monticello Banking Company ranks 652nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 537th of 846; among the 17 graded banks in Kentucky, 9th. 66% of its band and 52.9% of its state graded A.
The checker's own notes on each record:
The Monticello Banking Company 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.
The records above are from 4 November 2026. Run the same check on mbcbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 292.
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 Monticello Banking Company 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
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