Mabrey Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 8.48 percentage points lower than in Q1 2026, at 65.19%. Mabrey Bank ranks 33rd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 94.50% (Q2 2026). Mabrey Bank reported 94.50% on loan-to-deposit ratio for Q2 2026, 6.30 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.55B |
| Net loans and leases | $1.54B |
| Loans held for sale | $0 |
| Loans to total assets | 76.91% |
| Loan-to-deposit ratio | 94.50% |
| Net loans to equity capital | 10.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.97% |
| Multifamily (5+ residential) | 3.06% |
| Commercial and industrial | 19.66% |
| Consumer | 1.39% |
| Credit cards | 0.00% |
| Farm | 3.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.62% |
| Construction concentration (Tier 1 capital + allowance) | 65.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.60% |
| Interest income on loans | $25.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.22B | $1.53B | 34.98% | 19.81% | 2.31% |
| Q4 2023 | $1.22B | $1.58B | 34.13% | 19.09% | 2.23% |
| Q1 2024 | $1.24B | $1.64B | 33.65% | 20.44% | 2.07% |
| Q2 2024 | $1.24B | $1.58B | 33.49% | 20.03% | 2.05% |
| Q3 2024 | $1.28B | $1.62B | 34.08% | 21.64% | 2.07% |
| Q4 2024 | $1.31B | $1.74B | 33.30% | 21.93% | 1.96% |
| Q1 2025 | $1.35B | $1.68B | 34.38% | 21.01% | 1.75% |
| Q2 2025 | $1.38B | $1.61B | 33.57% | 20.91% | 1.65% |
| Q3 2025 | $1.38B | $1.57B | 35.79% | 20.06% | 1.64% |
| Q4 2025 | $1.47B | $1.73B | 36.52% | 18.79% | 1.54% |
| Q1 2026 | $1.50B | $1.68B | 36.30% | 19.74% | 1.45% |
| Q2 2026 | $1.55B | $1.65B | 37.97% | 19.66% | 1.39% |
Mabrey Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mabrey Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mabrey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10667) · FFIEC NIC profile (RSSD 139553)