# MABREY BANK
BIXBY, OK · FDIC certificate 10667 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.02B | |
| Deposits | $1.65B | |
| Loans and leases | $1.55B | |
| Total equity | $143.9M | |
| Loans / deposits | 93.41% (p69 of band) | 87.10% |
| Liquid assets / assets | 20.34% (p47 of band) | |
| Uninsured deposits / deposits | 28.17% (p42 of band) | 30.76% |
| Brokered deposits | 1.42% | |
| Wholesale funding | 12.37% (p72 of band) | |
| FHLB advances / assets | 7.17% | |
| Tier 1 leverage | 8.47% (p6 of band) | 10.50% |
| Unrealized securities loss / equity | -25.14% (p13 of band) | -7.75% |
| AOCI / equity | -0.79% (p24 of band) | |
| ROA (annualized) | 1.23% (p48 of band) | 1.26% |
| Net interest margin | 4.00% (p68 of band) | 3.70% |
| Efficiency ratio | 58.07% (p47 of band) | |
| Noncurrent loans | 0.41% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 280.82% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 85.44% (p81 of band) | |
| Auto loans | $8.7M (0.56% of loans; DQ 1.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 240 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | brokered >10% |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 0 |  | brokered >10% |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | wholesale funding >15%, capital falling |  |
| 2017-03 | 2 | brokered >10% | capital falling |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 1 |  | brokered >10% |
| 2018-03 | 2 | brokered >10% |  |
| 2018-06 | 1 | capital falling | wholesale funding >15%, brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | expense ratio p90 | capital falling |
| 2019-06 | 0 |  | expense ratio p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | brokered >10% |  |
| 2020-03 | 0 |  | brokered >10% |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-13 [Mabrey Bank announces new leadership | January-2019 - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOM2V6YVA4VHFVTW5WNUdqZk40Z1FuZk5BRnRPYUJ0bGF2M1c4V0p2bkI3QjIwOGFuNGJTLU92aEptdzFzNUx2c2Nic3JjdlJlTkRobU9yUjlXT21Ub0NCc3czeVRfZTkySF9TbWhKRXpOV3Bja3BBeTNtem12UEhKdXkxNmltQUhpQTVPbU1SbjBXbVZ2ZlNBemMtRHVaLWtQRi02NjFlRUJ3RklfS1BPQ2U0SE8zN3dVZDM3Yy1yX21YbExqZ2FKWE9vaGozVFZyNFN3UGY0dw?oc=5) · TulsaPeople Magazine
- 2024-03-16 [John Mclean Mabrey Obituary Mar 16, 2024 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMicEFVX3lxTE1YWW16dWtfOGp5c1F5LTc2dGl3VlpITXgxTzQwbUlLYnZVa2xsRExZU1RMTkVLREZTVWJHeXVmRlotSmlBTkMxLTc2X01ZMnpSQTVnSEJRaFpPRmVrQURRRFo2ejZ6NW1qMldudWN5Q2M?oc=5) · Fitzgerald Funeral Service
- 2025-08-27 [Impactful Women of the 918: Heather Van Hooser - TulsaKids Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTE1NamVheW1VeEtrU2dYZnlDMHpqSzFVdERiSnpCQ0ZfZDJfbWE2RzRic0FwbGNrY0hsT3g5SGxycDRTclNmLVhzQklob2FQMjRlb0JCeUNqdjUwVEFpQlUzUFA0aHdGempnLXV4eEhJY0IxTndHVXpIWFV0Tks?oc=5) · TulsaKids Magazine
- 2015-01-05 [A credit to longevity: Fourth generation of Mabreys keeps banking in the family - journalrecord.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQdlU0RG5rUU5HcFFHSXpMZ1NlUHJhaU9KQXRyYkpUU09kRTloN01LdkxqMlZ5X1FKeUtEUUpvV1JQT2NjSnhMWnI4Z0FYZzZJRnJ2dUFuMzhRa0M1bmdzVWQ2QWRxUlBsd0wxbHRkZk8yMk5qS01MZXhJSVpFSl9GR1JCN0w5dmpYNzhUb1NOcjVsTVVmRFFQR2ZjS2FZTTY0dnUzcG9EWXF5VmJkVHFZdC02NHlRbnozYjhNblpQeHRoUQ?oc=5) · journalrecord.com
- 2024-04-30 [Max Flores, Greg Carr and Brent Carlow join First National Bank of Broken Arrow - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdDl6S1JoUzRfRjVfV3Z0VUlocXlHNDIyeTZSb0p0OUd1VkFmZy1iVFJEZFFkOVo2UXpVVVlNTC11OHdaSzVfOGpMWU56X2ZCU0VGcE9Sc0Z1Z1Z6dHlpVjJDNlNNcDF3UGloZlF1b2pYNmVrbkxMOUpNRDl4aUQtMHRldHhZT1o0b3lETzhsTkVoWGE3Um5oLXpwcXQ4WjB0UnlhbA?oc=5) · Broken Arrow Sentinel
- 2025-06-21 [Edward M. Robison Obituary Jun 21, 2025 - Boxwell Brothers Funeral Directors](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Vbm9NQ0RvRWFJQU5reG9jQVlCb3M4My02OWN3eXhTM1JfVFE3dmtMTXJqNzlNTkdKMHAxZkxTazk3VUlNclhkUWU0dk10aVNmYWlvSF9aM1BWUDFGaXdZWml3VEhzR25h?oc=5) · Boxwell Brothers Funeral Directors
- 2017-05-21 [Financial: Scott Vance, MABREY BANK - tulsaworld.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdzl5QUlYSFByb082TVJuX2ZsQnF2QmlkbWdmWVFvTWVfSjFPZ2JVN1hmYTJIeDJKUXNoNTItU1A3aWc0M0JoSHZBQVlySnlUd29VNlhobFFhcVpPWHhublRsZTM1ajVLd0puX0RJeXhWVEZUa2ZDbGlObDhiTC1DV2gyaU5SMjdIaVpsUlJPVDBlRS1qOGhZQTdJYUY?oc=5) · tulsaworld.com
- 2018-06-01 [Boydstun honored for 50 years in banking - Muskogee Phoenix](https://news.google.com/rss/articles/CBMixgFBVV95cUxNc2VjbXQ1SFFIMnFRUU9tUlFscE5KYTA4Y2hMcDlidjc4RUJSRUJOclFybUYxYUZsS1VfVDRTb0tybXN5czBlOHBfckdoR0dUeDN6Uzc4bjRfdkV1UGVBMUI5WGQxRXRzcGprUFAwMTVhV2FvbVBtTVc1Qm5wTFlHa09qTllZcFhidEV2djNJOTRfREJzclVQODllOXN1QVcwVl9nWFF2bzJiTVMwWV9yaHJTOXQzbVc4OXdVSlhqVnpHWnpFZHc?oc=5) · Muskogee Phoenix

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10667 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "10667", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide