TowneBank: email security grade B

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TowneBank, Portsmouth, Virginia, is the 91st largest FDIC-insured US bank by total assets ($23bn). On 4 November 2026 the public email records of townebank.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 townebank.com

Check	Result	What was published
MX	Pass	`10 townebank-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	v=spf1 include:spf.protection.outlook.com include:spfhost.messageprovider.com ip4:35.158.71.15 ip4:35.158.67.243 ip4:3.120.181.192/28 ip4:34.198.193.174 ip4:34.202.174.188 ip4:34.199.167.230 ip4:52.203.5.138 ip4:3.91.171.64/28 ip4:3.219.176.96/29 ip4:3.222.0.112/29 ip4:3.222.0.24/29 ip4:3.222.0.88/29 ip4:3.235.255.160/29 ip4:167.89.0.0/17 ip4:208.117.48.0/20 ip4:50.31.32.0/19 ip4:198.37.144.0/20 ip4:198.21.0.0/21 ip4:192.254.112.0/20 ip4:168.245.0.0/17 ip4:149.72.0.0/16 ip4:18.235.53.110 ip4:54.159.173.91 ip4:208.93.24.0/21 ip4:74.200.60.34 ip4:216.116.87.142 ip4:173.203.187.1 ip4:98.129.185.4 ip4:69.84.87.254 ip4:63.172.232.5 ip4:76.227.222.184/30 ip4:12.198.148.12 ip4:192.0.48.97 ip4:192.0.53.25 ip4:192.0.53.26 ip4:192.0.53.27 ip4:192.0.61.25 ip4:192.0.61.26 ip4:192.0.61.27 ip4:192.0.48.36 ip4:192.0.56.36 ip4:192.0.48.0/20 ip4:65.55.169.0/24 ip4:157.55.133.0/25 ip4:157.56.110.0/23 ip4:157.55.234.0/24 ip4:207.46.101.128/26 ip4:207.46.108.0/25 ip4:207.46.100.0/24 ip4:207.46.163.0/24 ip4:213.199.154.0/24 ip4:213.199.180.0/24 ip4:153.69.200.104 ip4:153.69.195.103 ip4:64.247.25.138 ip4:4.7.10.2 ip4:64.78.0.0/18 ip4:162.244.196.0/22 ip4:199.193.200.0/21 ip4:206.225.164.0/22 ip4:162.216.192.0/22 ip4:185.64.212.0/22 ip4:103.211.140.0/23 ip4:69.10.229.0/24 ip4:208.93.24.0/21 ip4:68.171.150.128/26 ip4:64.124.4.62 ip4:174.128.11.62 ip4:174.128.11.63 ip4:168.245.5.188 ip4:166.73.7.16 ip4:166.73.7.20 ip4:166.73.14.61 ip4:166.73.14.63 ip4:208.86.168.7 ip4:135.84.68.123 include:spf.digitalinsight.com include:spf.hosting.americaneagle.com include:spfref.jackhenry.com ip4:156.55.203.219 ip4:156.55.193.212 -all. DNS lookups: 6 or more of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none; pct=100; rua=mailto:dmarcreports-rua@townebank.com; ruf=mailto:dmarcreports-ruf@townebank.com`. Policy p=none, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where TowneBank ranks

TowneBank is the 91st largest FDIC-insured US bank by total assets, at $23bn as reported to the FDIC (certificate 35095; Portsmouth, Virginia). Among the 999 graded banks, TowneBank ranks 685th by grade (ties broken by assets, larger first). In its asset band, $10bn to $100bn, it ranks 97th of 122; among the 28 graded banks in Virginia, 24th. 69.7% of its band and 82.1% 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, info: DNS lookups: at least 6 of the 10 allowed. 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 dmarcreports-rua@townebank.com.
DKIM, pass: DKIM key found at selector1._domainkey.townebank.com, about 1024-bit RSA.

What this means if you sell to TowneBank

TowneBank 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 townebank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 35095.

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 TowneBank 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