TellerScore

Mabrey Bank is a state-chartered bank (fed member) headquartered in Bixby, Oklahoma, in business for about 102 years. At the end of Q2 2026 it reported $2.0B in total assets and $1.6B in deposits, with 16 offices.

Based on its Q2 2026 filing, Mabrey Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 117th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is capital cushion (35/100; 8.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.47%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.41%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 28.2% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (59 → 63), mostly because the earnings component improved by 8 points.

TellerScore
525863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202453
Q4 202458
Q1 202558
Q2 202559
Q3 202560
Q4 202563
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%6.74%8.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.15%
Q3 20248.00%
Q4 20248.00%
Q1 20258.08%
Q2 20258.19%
Q3 20258.44%
Q4 20258.48%
Q1 20268.48%
Q2 20268.47%
Noncurrent loans
0.41%0.69%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.96%
Q3 20240.92%
Q4 20240.57%
Q1 20250.61%
Q2 20250.53%
Q3 20250.51%
Q4 20250.42%
Q1 20260.42%
Q2 20260.41%
Return on assets
0.58%0.90%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.66%
Q4 20240.70%
Q1 20250.97%
Q2 20251.02%
Q3 20251.04%
Q4 20251.09%
Q1 20261.22%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$2.0B8.47%0.41%1.23%93.4%
Q1 202663$2.0B8.48%0.42%1.22%88.0%
Q4 202563$2.0B8.48%0.42%1.09%83.9%
Q3 202560$1.9B8.44%0.51%1.04%86.6%
Q2 202559$1.9B8.19%0.53%1.02%84.6%
Q1 202558$1.9B8.08%0.61%0.97%79.4%
Q4 202458$1.9B8.00%0.57%0.70%74.5%
Q3 202453$1.8B8.00%0.92%0.66%78.2%
Q2 202452$1.7B8.15%0.96%0.58%77.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.47%
6th
Total risk-based capital11.95%
31st
Problem loans0.41%
59th
Net charge-offs0.01%
67th
Return on assets1.23%
48th
Net interest margin4.00%
68th
Efficiency ratio58.1%
54th
Loans to deposits93.4%
31st
Uninsured deposits28.2%
58th
Loan-loss reserves1.15%
51st
Texas ratio3.9%
46th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs
Great Plains National BankBank Elk City, OK62 out of 100, Moderate$1.9B9.4%1.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
American Heritage BankBank Sapulpa, OK71 out of 100, Strong$1.5B9.6%0.21%vs

Deposit insurance

Is my money safe at Mabrey Bank?

Yes. Mabrey Bank is an FDIC-insured institution (FDIC certificate #10667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.2% of deposits ($463.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.95% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Mabrey Bank lists 15 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mabrey Bank reported 293 home-loan applications under HMDA (LEI 254900R24PHQB7GDFD26): 218 originated ($61,110,000 total), 27 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mabrey Bank
Former names
Citizens Security Bank & Trust Company; Citizens Security Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
10667
RSSD ID
139553
Primary regulator
FED
Holding company
Mabrey Bcorp Inc
Established
January 26, 1924
Headquarters
14821 S Memorial Dr, Bixby, OK 74008
Employees
240

Quick answers

Mabrey Bank: common questions

Is Mabrey Bank FDIC insured?

Yes. Mabrey Bank is an FDIC-insured institution (FDIC certificate #10667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mabrey Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mabrey Bank ever failed?

There is no failure record for FDIC certificate #10667 in the FDIC failed bank list.

How many branches does Mabrey Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bixby

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs