Mabrey Bank
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Data as of · sourced from FFIEC call reports. How we update
Mabrey Bank is an FDIC-insured commercial bank headquartered in Bixby, OK, established in 1924 (FDIC certificate 10667), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.02B, up 7.3% from Q2 2025, the 12th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10667
- Headquarters
- Bixby, OK
- Established
- 1924
- Total assets, Q2 2026
- $2.02B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 103112112
- Latest call report
- Q2 2026, FFIEC 051 · Mabrey Bank call report
- Holding company
- MABREY BANCORPORATION, INC.
- Asset rank in state
- 12th of 169 in Oklahoma
Mabrey Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.0 billion at June 30, 2026, up 7.3% from a year earlier; it is based in Bixby, Oklahoma. It holds common equity equal to 10.79% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it returns 17.7% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Net income for the quarter rose 25% from a year earlier, to $6.2 million. Over the same year, loans grew 12.7% and deposits grew 2.0%.
As of June 30, 2026, Mabrey Bank reported a CET1 capital ratio of 10.79%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mabrey Bank is the 12th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $2.02B, loans rose 3.7% and deposits fell 2.3%. 1-4 family residential loans made up 24.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.8%. The FDIC Summary of Deposits lists 16 offices for it, in 12 cities in OK; its Tulsa 3 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, Mabrey Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14821 S Memorial Dr, Bixby, OK 74008
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 26, 1924
- Former names
- Citizens Security Bank & Trust Company (1973-2015)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 240
- Domestic deposits
- $1.65B
- Allowance for credit losses
- $17.9M
- Net charge-offs (YTD)
- $65K
- Average total assets
- $2.02B
- Average total loans
- $1.52B
- Average interest-bearing deposits
- $1.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10667
- Fed RSSD
- 139553
- SEC CIK
- 1818742 → filed by MABREY BANCORPORATION, INC.
- Website
- www.mabreybank.com →
- Parent Holding Company
- MABREY BANCORPORATION, INC. (RSSD 2052777)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mabrey Bank's total assets ranged from $1.73B (Q2 2024) to $2.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.02B total assets against $1.88B; $1.88B total liabilities against $1.76B.
$1.54B net loans and leases against $1.36B; $1.65B total deposits against $1.61B.
$362.5M securities against $388.5M; $48.7M cash and balances due against $61.1M.
$28.3M total interest income against $26.0M; $8.8M total interest expense against $9.2M.
$19.5M net interest income against $16.8M.
$2.2M total noninterest income against $2.8M; $12.6M total noninterest expense against $12.4M.
$830K provision for credit losses against $500K.
$6.2M net income against $5.0M.
1.24% return on assets against 1.06%; 4.01% net interest margin against 3.68%.
10.79% CET1 capital ratio against 10.98%; 8.47% tier 1 leverage ratio against 8.19%.
Inside the full Mabrey Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mabrey Bank rankings
Its closest position to the top of a national ranking is 592 of 4,196, for total assets; its furthest is 2,000 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.24% (Q2 2026) and its net interest margin ran from 3.40% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 1.24% | 0.41% | 3.81% | 4.01% |
| Q1 2026 | 10.96% | 1.23% | 0.42% | 3.92% | 3.90% |
| Q4 2025 | 10.86% | 1.22% | 0.42% | 4.59% | 3.94% |
| Q3 2025 | 11.25% | 1.08% | 0.51% | 5.40% | 3.79% |
| Q2 2025 | 10.98% | 1.06% | 0.53% | 5.23% | 3.68% |
| Q1 2025 | 10.89% | 0.96% | 0.61% | 6.31% | 3.61% |
| Q4 2024 | 11.13% | 0.84% | 0.57% | 5.99% | 3.57% |
| Q3 2024 | 10.98% | 0.80% | 0.92% | 8.96% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mabrey Bank (main office) | Bixby , OK | 74008 | $366.4M |
| South Yale Avenue Branch | Tulsa , OK | 74136 | $313.9M |
| Midtown Branch | Tulsa , OK | 74114 | $253.8M |
| Okmulgee Branch | Okmulgee , OK | 74447 | $164.9M |
| Oklahoma Branch | Oklahoma City , OK | 73142 | $96.6M |
| Braden Avenue Branch | Tulsa , OK | 74137 | $66.8M |
| Morris Branch | Morris , OK | 74445 | $58.7M |
| Muskogee Branch | Muskogee , OK | 74401 | $56.8M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $45.8M |
| Glenpool Branch | Glenpool , OK | 74033 | $44.7M |
| Memorial Branch | Bixby , OK | 74008 | $41.9M |
| Jenks Branch | Jenks , OK | 74037 | $39.2M |
| Haskell Branch | Haskell , OK | 74436 | $38.7M |
| Wetumka Branch | Wetumka , OK | 74883 | $31.8M |
| Weleetka Branch | Weleetka , OK | 74880 | $25.3M |
| Okmulgee Motor Bank Branch | Okmulgee , OK | 74447 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 25, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2018 | Structure Change | Acquired The Morris State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 23, 2008 | Structure Change | Acquired The Bank of Commerce, Wetumka, Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired The First Bank of Haskell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2005 | Structure Change | Acquired Citizens Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in OK, rank 14 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 292 applications, 218 loans originated, $61.1M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.4M approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mabrey Bank
What are Mabrey Bank's total assets?
As of the Q2 2026 filing, Mabrey Bank reported total assets of $2.02 billion in its FFIEC call report.
Where is Mabrey Bank headquartered?
It is headquartered in Bixby, OK, United States.
When was Mabrey Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Mabrey Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mabrey Bank?
Mabrey Bank's primary federal regulator is the Federal Reserve.
What is Mabrey Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Mabrey Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mabrey Bank's Texas Ratio?
Its Texas Ratio is 3.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Mabrey Bank previously called?
The charter now named Mabrey Bank has also operated as Citizens Security Bank & Trust Company (1973-2015), per FDIC structure-change records.
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