Westamerica Bank: email security grade B

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Westamerica Bank, San Rafael, California, is the 248th largest FDIC-insured US bank by total assets ($5.8bn). On 4 November 2026 the public email records of westamerica.com graded B: MX pass, SPF pass, DMARC p=reject, mail handled by Own mail servers.

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 westamerica.com

Check	Result	What was published
MX	Pass	`10 cis-securemail.westamerica.com`, `20 ris-securemail.westamerica.com`. Mail handled by Own mail servers
SPF	Pass	`v=spf1 mx ip4:72.18.233.231 ip4:69.170.47.134 a:monitor.ensenta.com ip4:63.172.232.5/32 ip4:63.172.232.6/32 ip4:208.81.32.194/32 ip4:69.84.87.254/32 ip4:156.55.205.33/32 include:spf2.westamerica.com ~all`. DNS lookups: 9 or more of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1;p=reject;sp=none;fo=1;rua=mailto:postmaster@westamerica.com,mailto:dmarc_agg@vali.email;`. Policy p=reject, subdomains sp=none; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selector s1 (of 10 common selectors tried)

Where Westamerica Bank ranks

Westamerica Bank is the 248th largest FDIC-insured US bank by total assets, at $5.8bn as reported to the FDIC (certificate 3430; San Rafael, California). Among the 999 graded banks, Westamerica Bank ranks 720th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 579th of 846; among the 58 graded banks in California, 40th. 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: 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 9 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, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, warn: sp=none: mail claiming to come from a subdomain of westamerica.com gets no policy, so the subdomains can be spoofed.
DMARC, info: Reports go to postmaster@westamerica.com, dmarc_agg@vali.email.
DKIM, pass: DKIM key found at s1._domainkey.westamerica.com, about 2048-bit RSA.

What this means if you sell to Westamerica Bank

Westamerica Bank lists MX hosts under its own domain, so it runs or fronts its own mail servers. What filters sit behind them is not visible from DNS; assume they check SPF, DKIM and DMARC like everyone else, and that a bank-run gateway is at least as strict as a commercial one. 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 westamerica.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 3430.

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 Westamerica 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