Mabrey Bank: Bank Stress & Real-Estate Credit Exposure

At 76/100, Mabrey Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #10667. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

What separates this from a plain credit rating is the geographic weighting — Mabrey Bank's 76/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. Its footprint is compact and single-state: 138 ZIP codes in 6 counties over 1 states. It concentrates most in Oklahoma (6 counties). A severe score on a footprint this size means the markets Mabrey Bank touches inherit a corresponding share of that lending pressure. The value is in the linkage: Mabrey Bank's severe reading is mapped onto 138 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Mabrey Bank is held under Mabrey Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. No bank is too small to score the same way: Mabrey Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 138-ZIP profile means exactly what it would for any institution nationwide. County by county, that footprint includes Oklahoma County, OK, Tulsa County, OK, Muskogee County, OK, Okfuskee County, OK, among others DLRadar tracks parcel by parcel. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings.

The acquisition angle is simple — lending capacity is what moves deals. As Mabrey Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.