West Coast Community Bank: email security grade C

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West Coast Community Bank, Santa Cruz, California, is the 421st largest FDIC-insured US bank by total assets ($2.9bn). On 4 November 2026 the public email records of wccb.com graded C: MX pass, SPF warn, DMARC p=none, mail handled by Microsoft 365.

Grade C. Two settings do less than they seem to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on wccb.com

Check	Result	What was published
MX	Pass	`0 wccb-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Warn	`v=spf1 ip4:140.150.208.71 ip4:167.89.11.238 ip4:149.72.249.133 ip4:149.72.28.49 ip4:149.72.28.198 ip4:50.31.35.233 include:spf.protection.outlook.com include:spf.cashedge.com include:_custspf.sageworks.com include:sendgrid.net include:244043979.spf10.hubspotemail.net a mx -all`. DNS lookups: 11 of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:helpdesk@wccb.com; fo=1`. Policy p=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where West Coast Community Bank ranks

West Coast Community Bank is the 421st largest FDIC-insured US bank by total assets, at $2.9bn as reported to the FDIC (certificate 57591; Santa Cruz, California). Among the 999 graded banks, West Coast Community Bank ranks 913th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 770th of 846; among the 58 graded banks in California, 52nd. 66% of its band and 62.1% 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, warn: DNS lookups: about 11, 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, 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 helpdesk@wccb.com.
DKIM, pass: DKIM key found at selector1._domainkey.wccb.com, about 2048-bit RSA.

What this means if you sell to West Coast Community Bank

West Coast Community Bank 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 wccb.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 57591.

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 West Coast Community 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