The Paducah Bank and Trust Company: email security grade B

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The Paducah Bank and Trust Company, Paducah, Kentucky, is the 971st largest FDIC-insured US bank by total assets ($1.1bn). On 4 November 2026 the public email records of paducahbank.com graded B: MX pass, SPF warn, DMARC p=quarantine, mail handled by Other.

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 paducahbank.com

Check	Result	What was published
MX	Pass	`10 paducahbank-com.mx1.arsmtp.com`, `20 paducahbank-com.mx2.arsmtp.com`. Mail handled by Other
SPF	Warn	`v=spf1 include:_s00421501.autospf.email -all`. DNS lookups: 13 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=quarantine; pct=100; rua=mailto:16ddwae9@ag.us.dmarcian.com;`. Policy p=quarantine, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2 (of 10 common selectors tried)

Where The Paducah Bank and Trust Company ranks

The Paducah Bank and Trust Company is the 971st largest FDIC-insured US bank by total assets, at $1.1bn as reported to the FDIC (certificate 16664; Paducah, Kentucky). Among the 999 graded banks, The Paducah Bank and Trust Company ranks 897th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 756th of 846; among the 17 graded banks in Kentucky, 15th. 66% of its band and 52.9% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, warn: DNS lookups: at least 13, 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.
SPF, info: The record uses SPF macros, which only resolve for a real message, so the lookup count is a floor.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to 16ddwae9@ag.us.dmarcian.com.
DKIM, pass: DKIM key found at selector1._domainkey.paducahbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.paducahbank.com, about 2048-bit RSA.

What this means if you sell to The Paducah Bank and Trust Company

The Paducah Bank and Trust Company's MX hosts belong to a provider we do not name from host names alone. Assume the inbound server checks SPF, DKIM and DMARC and scores reputation, as every major provider does. 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 paducahbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 16664.

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 Paducah Bank and Trust 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