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Mabrey Bank

$1B-$10B Specialty: Commercial OK FDIC cert 10667

Designations: ✓ Community bank

Bixby, OK

16 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
  • Deposits +2.0% year over year ($1.6B on the books).
  • Delinquency rate 0.42%.
  • Return on assets 1.23%.
  • Efficiency ratio 58.07% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.41% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK
View $1B-$10B leaderboard (OK) →

Mabrey Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 1.66% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 50.0% in tier
  • - ROA 0.16% below tier average
Get updates when Mabrey Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $2.0B
+7.3% YoY +1.4% QoQ
-$771.5M $2.8B
-0.6% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $1.5B
+12.7% YoY +3.7% QoQ
-$426.3M $2.0B
-0.3% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $1.6B
+2.0% YoY -2.3% QoQ
-$673.4M $2.3B
-0.5% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.23%
+20.9% YoY +0.8% QoQ
-0.16% 1.39%
+17.0% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.00%
+7.2% YoY +1.9% QoQ
+0.13% 3.87%
+6.2% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 58.07%
-9.6% YoY -0.5% QoQ
-1.66% 59.73%
-12.6% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.42%
-21.7% YoY -2.6% QoQ
-0.45% 0.87%
+11.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 93.41%
+10.5% YoY +6.2% QoQ
+8.37% 85.04%
-0.1% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 19.82%
-0.1% YoY -4.8% QoQ
-1.46% 21.27%
-1.5% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.32%
-17.8% YoY -0.3% QoQ
-0.36% 0.67%
+11.7% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 10.79%
-1.8% YoY -1.6% QoQ
-4.05% 14.84%
-0.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 14.8% in tier
Non-Interest Income / Assets ? 0.24%
-17.6% YoY +84.1% QoQ
-0.29% 0.53%
+2.5% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 19.8%
0.0pp YoY
-1.0pp QoQ
 -1.6pp 21.4% 23.9% 22.2% 50%
Brokered Deposits 1.7%
0.0pp YoY
-0.1pp QoQ
 -7.7pp 9.5% 9.7% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 19.9%
-1.3pp YoY
-0.1pp QoQ
 +5.9pp 14.0% 15.7% 12.5% 80%
CRE 49.5%
+4.8pp YoY
+0.7pp QoQ
 -0.5pp 50.0% 42.0% 41.4% 48%
1-4 Family 25.0%
-2.6pp YoY
-0.5pp QoQ
 -1.4pp 26.4% 24.0% 31.3% 55%
Consumer 1.4%
-0.3pp YoY
-0.1pp QoQ
 -3.3pp 4.7% 5.6% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 10.8%
-0.2pp YoY
-0.2pp QoQ
 -4.8pp 15.6% 17.0% 19.7% 6%
Leverage Ratio 8.5%
+0.3pp YoY
0.0pp QoQ
 -2.8pp 11.3% 11.7% 12.6% 5%
Total Capital Ratio 11.9%
-0.1pp YoY
-0.2pp QoQ
 -4.7pp 16.7% 18.2% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 240
+12 (+5.3%) YoY
+3 (+1.3%) QoQ
 -74 313 150 482 52%
Assets per Employee ($) $8.4M
+2.0% YoY
+0.1% QoQ
 -$2.1M $10.5M $6.5M $8.8M 47%
Branch Count 16
0 YoY
0 QoQ
 -4 20 8 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.9% 0.4% n/a
Nonaccrual 0.4%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 1.5% 1.0% 42%
Allowance Coverage 2.81x
+30.8% YoY
+3.6% QoQ
 -15.90x 18.71x 61.99x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 17.6%
+1.2pp YoY
0.0pp QoQ
 +5.0pp 12.6% 11.9% 11.6% 85%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
+0.1pp QoQ
 -0.1pp 1.9% 1.8% 1.7% 42%
Net Income ($, YTD) $12.3M
+28.9% YoY
— QoQ
 -$7.0M $19.2M $8.7M $40.4M 50%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#112 of 222 • Bottom 50.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.79%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

755
Tier 1 Capital Ratio
capital
Value: 10.79%
Peer Median: 14.84%
#755 of 885 Bottom 14.8% in $1B-$10B
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