Mabrey Bank

What Mabrey Bank does

Mabrey Bank is a privately held, family-owned community bank headquartered in Bixby, Oklahoma, operating 15 branches across Eastern Oklahoma from Tulsa to Oklahoma City. Founded in 1924 with roots tracing to G.W. Mabrey's involvement in Okmulgee banking in 1906, the bank has remained under continuous family ownership across four generations and serves more than 26,000 customers. Its product portfolio spans personal banking (checking, savings, CDs, IRAs, personal loans, mortgages), business banking (checking, commercial loans, SBA loans), and three specialized industry divisions: Healthcare Banking, Energy Banking, and Agricultural/Land lending, supplemented by a Mabrey Private Bank sub-brand serving high-net-worth clients with concierge service and wealth management coordination. Treasury Services, Merchant Services with Clover POS integration, and an International Banking division (FX, trade finance, documentary collections) round out the commercial offering.

The technology backbone consists of a digital banking platform delivered via iPhone and Android mobile apps, a web-based online banking portal, and 24-hour Bank by Phone, with integrations to Zelle, QuickBooks, Quicken, and Clover POS. Mobile deposit is capped at $7,500 per day, and the platform supports two-factor authentication, ACH file approval, and account alerts. The bank does not employ AI/ML capabilities in any disclosed product or operational layer.

Revenue is generated primarily through net interest income on a diversified loan portfolio (personal, business, healthcare, energy, agricultural, and commercial real estate), supplemented by deposit account fees, treasury and cash management service charges, merchant card processing fees, and international banking service fees. The go-to-market is relationship-driven: dedicated business relationship managers and private bankers complement the 15-branch retail footprint, supported by community sponsorships and a heavy emphasis on local presence. In 2023, the bank donated over $545,000 to 220+ community organizations and was named to the TulsaPeople Magazine A-List for Best Local Bank for the 10th consecutive year.

Name

Mabrey Bank

Legal name

Mabrey Bank & Trust

Website

https://mabreybank.com

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

51–100 employees

Short description

Mabrey Bank is a family-owned community bank founded in 1924, operating 15 branches across Eastern Oklahoma and serving 26,000+ customers with personal, business, healthcare, energy, and private banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

• Community banking services
• Personal checking accounts
• Commercial lending
• Treasury cash management
• Private banking wealth

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: Primary revenue source from interest earned on loans including personal loans, business loans, commercial real estate, agricultural land loans, healthcare financing, and energy sector lending. Interest rates vary by product type and borrower qualifications.
2. Deposit Account Fees and Charges: Monthly service fees, minimum balance fees, transaction fees, and inactivity charges across various checking and savings accounts.
3. Treasury and Cash Management Services: Fees for business banking services including remote deposit capture, ACH origination, lockbox services, wire transfers, and cash flow management solutions.
4. Merchant Card Processing: Credit card processing services for businesses generating transaction fees based on payment volume processed.
5. International Banking Services: Fees for foreign exchange, letters of credit, documentary collections, and international wire services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Mabrey Bank is a family-owned community bank providing personal and business banking services across Oklahoma through 15 branch locations and digital channels. Core offerings include personal checking and savings accounts, consumer and commercial loans, treasury and cash management, merchant card processing, international banking (FX, letters of credit), and specialized industry lending for healthcare, energy, and agricultural sectors. The bank complements local relationship banking with a digital platform offering mobile banking, online banking, mobile deposit, Zelle, and the Money Manager financial tool.

Product overview

Mabrey Bank offers a comprehensive banking platform with multiple product lines serving both personal and business customers across Oklahoma. The core offering consists of personal banking (checking, savings, loans, private banking) and commercial/business banking (checking, savings, loans, industry-specific banking). Key differentiated offerings include: Digital Banking platform (mobile app, online banking, Money Manager, Zelle), specialized industry banking divisions (Healthcare Banking, Energy Banking), Treasury Services for business cash management, Merchant Services for payment processing, International Banking with FX and trade finance, and Private Banking for wealth management. The bank operates 15 locations and serves over 26,000 customers, combining family-owned personalized service with technology comparable to larger national banks.

Differentiator

Problem solved

Functional benefit

Brands

• Mabrey Private Bank: Exclusive Private Banking division delivering concierge banking service with high-yield checking accounts, private client lending, and wealth management solutions. Located in South Tulsa and Oklahoma City.

Products and services

• Personal Checking Accounts Multiple personal checking account options including eChecking Plus (interest-bearing electronic), Advantage Plus (club for under 50), Horizons Gold Club (age 50+), Basic Checking (no monthly fee), and Relationship Checking Plus (premium rates). All include free eStatements, Visa Debit Card, Digital Banking, and Bill Pay Plus.
• Personal Savings Accounts Savings products including Personal Savings, Future Savers (minors under 18), Money Market, Certificate of Deposit (CD), and Individual Retirement Accounts (Traditional and Roth IRAs). CDARS provides FDIC coverage beyond $250,000.
• Personal Loans Consumer lending solutions including auto and motor home loans, personal loans for debt consolidation and vacations, real estate loans, construction loans, and home equity lines of credit.
• Private Banking Concierge private banking with the exclusive Private Label Account offering high-yield checking, complimentary private client checks, customized debit card, free ATM transactions, and free wire transfers. Includes Private Client Lending (mortgages, home equity, bridge, construction, auto/boat/aircraft, lines of credit, stock loans, physician financing) and wealth management coordination with investment partners.
• Land and Agricultural Loans Fixed recreational and agricultural land loan with 3-year fixed interest rate, up to 100% loan-to-value, 20-acre minimum, and up to 25-year amortization. Covers land purchase and refinance for farmers, ranchers, and rural landowners.
• Digital Banking Mobile and online banking platform with two-factor authentication, Money Manager (budgeting and goals), Zelle person-to-person payments, mobile deposit (up to $7,500/day, $15,000/30 days), bill pay, account alerts, secure messaging, and account access. Available via iPhone and Android apps and the my.mabreybank.com web portal.
• Commercial and Business Banking Business banking including checking accounts (Basic Business, Business Growth, Business Analysis), savings, commercial loans, and industry-specialized services spanning Healthcare Banking, Energy Lending, Commercial Real Estate, and SBA loans.
• Business Loans Commercial lending including short-term working capital, equipment and vehicle financing, commercial real estate, and construction loans. Includes SBA government-backed loan access.
• Energy Banking Specialized energy sector financing including production lending, upstream lending, midstream lending, reserves-based lending (RBL), working capital, letters of credit, and treasury services. Covers E&P, oilfield services, midstream infrastructure, renewable energy, downstream, petrochemicals, and mineral/royalty financing.
• Healthcare Banking Medical practice financing with services including business loans, startup financing, M&A support, equipment and IT capital, partner buy-in, construction financing, and healthcare real estate. Treasury services include remote deposit, mobile deposit, ACH, cash vault, and business bill pay.
• International Banking International banking with over 30 years of experience. Services include foreign exchange (FX wires, international USD wires, FX remittance drafts, foreign check clearing, currency exchange, forward contracts), trade finance (letters of credit, assignment of proceeds, bid bonds, performance guarantees), documentary collections, and EXIM Bank referral services. SWIFT code: MABRUS44.
• Treasury Services Cash management solutions including receivable solutions (remote deposit capture, mobile deposit, lockbox, ACH services, cash vault), payable solutions (business bill pay, online wires), cash flow management (sweeps, CDARs, ICS), and fraud protection (Positive Pay).
• Merchant Services Credit card processing with multiple solutions including credit card terminals with EMV chip technology, Clover POS point of sale, mobile processing, virtual terminal for B2B and recurring billing, e-commerce integration, POS/ERP software integration, gift cards, and check verification/guarantee. Includes 24/7 customer support and PCI compliance.

Quantifiable outcome

• Named Best Local Bank on TulsaPeople Magazine A-List for 10 consecutive years
• +2 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor.

• Junior Achievement of OklahomaminorOthers · 1 January 2024Community partnership focused on financial literacy education. Mabrey Bank team members speak to high school students about career opportunities in banking through JA's Career Speaker Program, helping students understand various professions within banking and financial services.
• Make-A-Wish OklahomaminorOthers · 1 January 2024Community partnership supporting annual Walk for Wishes fundraiser. Mabrey team members volunteer at events to help grant wishes for children with critical illnesses, demonstrating commitment to local community causes.
• INTEGRIS Health FoundationminorOthers · 1 January 2024Healthcare philanthropy partnership through sponsorship of annual Golf Classic fundraiser. Event supports urgent healthcare needs across Oklahoma including lifesaving care, advanced technologies, and vital programs.
• LIFE Senior ServicesminorOthers · 1 January 2024Partnership supporting annual fundraiser for senior services organization. Private Banking team represents Mabrey at events supporting active aging and family caregiver support programs in the community.
• Ronald McDonald House Charities of TulsaminorOthers · 1 January 2024Community partnership delivering donations and support to RMHC. Mabrey team members provide items and volunteer time to support families with hospitalized children.
• Muskogee Parks and RecreationminorOthers · 1 January 2024Sponsorship of Symphony in the Park 2026 celebration event supporting community recreation programs and civic engagement activities.
• The Scout Guide TulsaminorOthers · 1 January 2024Annual partnership hosting The Scout Guide Cover Color Party at Mabrey's Private Bank location, supporting local business networking and community publication.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SpiritBank: Tulsa-based community bank with similar size, branch presence in Eastern Oklahoma, and relationship banking model. Direct competitor for personal and small business accounts in the Tulsa MSA.
• Vast Bank: Oklahoma-chartered community bank serving Tulsa metro with personal and business banking. Directly comparable in size, geographic focus, and customer segments served.
• First Bank (Oklahoma): Oklahoma community bank headquartered in central Oklahoma serving personal and commercial customers with similar relationship banking approach and product offerings.
• RCB Bank: Oklahoma-based community bank with branches across the Tulsa region and Eastern Oklahoma. Comparable in size, service mix, and community banking positioning to Mabrey.
• BancFirst: Oklahoma's largest locally-held bank with $13B+ in assets and 100+ branches statewide. Closest direct peer given shared Oklahoma community/mid-market banking focus, though at much larger scale.
• Citizens Bank of Oklahoma: Community-focused Oklahoma bank serving Tulsa and surrounding markets with comparable branch footprint and personal/business banking products. Directly competes for retail and small business relationships.

Broad incumbents

• Arvest Bank: Northwest Arkansas-based regional bank with significant Oklahoma presence through mergers. Competes for community banking relationships across Oklahoma but operates at materially larger scale.
• BOK Financial (Bank of Oklahoma): Major regional bank headquartered in Tulsa with national presence in energy lending, commercial banking, and wealth management. Larger incumbent offering overlapping energy and commercial banking verticals with Mabrey.
• Pinnacle Bank (CBI): Nebraska-based Pinnacle Banking Group with Texas/Oklahoma operations under guaranty bank brands offering comparable community banking products and private banking services.

Regional players

• IBC Bank Oklahoma: Texas-headquartered IBC Bank with Oklahoma presence offering community banking services. Comparable business model and product mix with regional rather than direct geographic overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/mabreybank
• LinkedInlinkedin.com/company/citizens-security-bank
• Instagraminstagram.com/mabrey_bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mabrey Bank