Annual Update from CEO Scott Mabrey

To Our Current and Future Mabrey Bank Customers,

In 2025, the Mabrey Bank team did an outstanding job serving our customers and communities. Our strong financial performance and continued organizational success is a direct result of their commitment and hard work. I am grateful for the job our team members do every day. They are our greatest asset and the foundation of everything we do.

I am equally appreciative of the trust placed in us by our business and personal banking customers across our footprint. Combined with the experience and dedication of our bankers, those relationships led to record loan growth in 2025, a strong indication that our clients are thriving.

Providing convenient, secure and innovative banking solutions remains our top priority. Over the past year, we enhanced several of our digital banking services and completed a significant upgrade to our core banking system. Not only did it require collaboration across the entire organization, but it has improved both our internal efficiency and the overall experience we provide to our customers.

Our commitment extends beyond banking. Through the generosity of our team members and the stewardship of the bank, we continue to make a meaningful impact in our communities. Our annual United Way campaign, non-profit donations, partner sponsorships and thousands of volunteer hours reflect the mission and core values that define Mabrey Bank.

As we enter 2026, our focus remains on steady, stable growth. It’s an approach that allows Mabrey Bank to invest in new products and technology, provide exceptional service and continue giving back to the communities we are proud to call home.

We appreciate the opportunity to serve you and look forward to supporting your financial needs now and in the years ahead.

Sincerely,
Scott Mabrey
Chief Executive Officer
Mabrey Bank

Fraud attempts are increasing nationwide, and we want you to be informed so you can protect yourself from financial scams. Please read this carefully to see current fraud trends and ways you can be sure your money and information stay secure.

Remember – it’s not IF, it’s WHEN you’ll be the target of fraud.

AI Takeover Attacks

We are currently seeing a sharp rise in AI-driven account takeover fraud. These are coordinated efforts aimed at fooling you into revealing personal information. Below are ploys by scammers we commonly see during these attacks.

• Customers receive a spoofed call from caller ID labeled “Mabrey Bank.”
• Customers are directed to a fraudulent website that asks for their account credentials.
• Once entered, the credentials are accessible by the scammers.
• Criminals log in, change contact information and seize full control of the account within minutes.

Red Flags of Fraud

• Asking for User ID, Card No., Social Security No. or Date of Birth
• Wanting to keep you on the phone
• Urgency to make a purchase or take a financial action
• Not to share the details of a conversation with your banker
• Unexpected checks in the mail
• Asking for the purchase of a gift card or cryptocurrency

Final Word on Fraud

Our goal is to keep you safe from fraudulent activity. We will never call you and ask for your login credentials or account information. If you are suspicious of a phone call, we would always encourage you to end the call and call us back at (888) 272-8866. We want you to have peace of mind!

If you have any questions, please give us a call or send an email to customerservice@mabreybank.com.

These business fraud prevention tips are courtesy of our partners at EPCOR (Electronic Payments Core of Knowledge). For a printable version of these tips, click here.

Small businesses assume scammers will only target the big corporates, but fraud losses have proven that scammers will target any size business. Businesses of all sizes need to stay vigilant when it comes to fraud. Really, it is the smaller businesses that need to be more alert as one third of these businesses experience at least one fraud attempt annually. Putting effective fraud prevention measures in place and proper employee education are crucial for any size business to combat fraud.

Education and vigilance are where fraud prevention begins. Businesses should understand the various types of scams and associated characteristics and what red flags they should be looking for. Scammer tricks change and evolve daily but there are some common techniques that are used numerous times. A couple of things that are used time and again is receiving an urgent message prompting your business to respond immediately. If you are receiving this type of message from someone you believe is a manager, supervisor or CEO, remember; a sense of authority can be falsely created by using convincing language or fake logos.

Take a step back and assess the situation before acting on the request. Ask yourself:

1. Is this a person who normally sends these requests?
2. Is the dollar amount within the normal range for this type of request?
3. Is the request during a time that is normally utilized for such request?
4. Can you use an alternate phone number (not one within the request) to call the person and verify the request?
5. Does the written request have spelling errors?

Ways to prevent payments fraud in your business:

1. Always use invoice numbers. This is beneficial to your accounts payable and your suppliers. Maybe follow
a system that differentiates your business from other businesses (i.e. use leading zeros, use upper or lower case letters or add/remove spaces).
2. Automate any manual processes you have in place as this will cut down on human error.
3. Financial institutions rarely match the business name with the account number used. Your accounts payable should ensure they have measures in place to verify account names to numbers.
4. Ensure any accounts payable interface has security measures to mitigate digital threats.
5. New supplier or one time supplier onboarding should require an approval process. It’s important accounts payable be involved in the approval process of a new supplier and to have real-time access to supplier data. Doing this tightens up the process and the loading of fictitious suppliers can be prevented.
6. Have effective internal controls in accounts payable to ensure segregation of duties. This ensures that different people are responsible for completing components of tasks. No single individual should have the responsibility of completing an entire task. Segregation of duties allows your business to identify most errors before a payment is made.
7. Segregation of duties is one of the most effective ways to manage your business risk associated with internal fraud.

Help Mabrey Bank deliver the joy of the holidays to all Oklahoma families.

During the first two weeks of December, Mabrey Bank will be hosting its annual Toy Drive to benefit families in need across the state this holiday season. There will be toy collections boxes stationed inside Mabrey Bank lobbies from Monday, December 1 through Friday, December 13, for new, unwrapped toys. The toys can be Each location will be donating these toys to a local organization or angel tree to ensure the gifts go to children inside of our communities.

At two of our branches, we will continue angel tree traditions that have existed for years. We will again be doing our Angel Tree in Wetumka with angels you can select off the tree in the lobby to purchase presents for. In Haskell, we will be collecting monetary donations to give to the Funds for Haskell’s Kids Inc. Angel Tree.

All other Mabrey locations will be collecting toys to give to the organizations listed below. For the lobby hours and addresses of your local Mabrey Bank branch, check out our locations page here.

Location – Benefitting Organization
Bixby (Main & North) – Bixby Outreach Center
Glenpool – Glenpool Christmas Shoppe
Haskell (Angel Tree) – Funds for Haskell’s Kids Inc.
Morris – Morris Methodist Church Angel Tree
Muskogee – Kelly B Todd
Oklahoma City – Positive Tomorrows
Okmulgee (Main & Drive) – Harlan Ford Toy Drive benefitting Okmulgee County DHS
Tulsa (BA, Jenks, Midtown, Yale) – Domestic Violence Intervention Services (DVIS)
Weleetka – Big Five Head Start
Wetumka (Angel Tree)

Thank you in advance for your generosity and consideration of our toy drive.

You are likely clear on the concept of interest – you owe more than what you borrowed when paying back over a period of time. However, the topic of interest rates might be a little murkier. There are a lot of terms surrounding interest rates that include acronyms and financial jargon, which can be confusing.

In truth, interest rates are a critical component to many of the financial decisions that we make. Borrowing, saving and spending can all be influenced by the current rates. For this latest Banking 101 piece, we will tackle the most common terminology surrounding interest rates and simplify some of the terms you might see or hear on commercials, billboards or other advertisements.

Simple Interest vs. Compound Interest

These are two of the most common interest types, and there is a key difference between the two. Simple interest is an annual percentage of the amount owed, whereas compound interest accrues or builds over time. You often hear the term “compound interest” when referencing the interest someone can earn from a savings account.

So, let’s use a savings account as an example. If a savings account has $1,000 in it at an annual 5.0% simple interest rate, you will earn $50 in interest each year as long as your original $1,000 stays in your account. Over 10 years, that $1,000 investment will have earned you an extra $500.

However, compound interest builds upon itself over time. The interest you earn from the previous year will build upon next year’s total savings. While year one will be the same as the “simple interest” scenario, in year two, you will be earning interest on $1,050 instead of $1,000. After 10 years with a 5.0% compound interest rate, you will have totaled $1,628.89, more than $100 above the simple interest rate scenario.

APR vs. APY

Both of these acronyms, APR (Annual Percentage Rate) and APY (Annual Percentage Yield), are very common amongst banks, credit unions, mortgage companies and other financial institutions when advertising their rates. APR refers to the yearly interest rate that the borrower assumes on a loan or the rate you earn before compounding interest if you lend it.

You’ll often see APR used alongside credit cards, mortgages, car loans or personal loans.

Meanwhile, APY refers to the rate which your money grows in a year when factoring in compound interest. APY is most often used when highlighting savings accounts such as money market accounts or certificates of deposit (CDs).

Fixed Rate vs. Variable Rate

This terminology is fairly easy to explain in the context of a home loan.

A fixed interest rate loan is a loan where the rate remains constant during the entire term of the loan. So, if you get a 30-year fixed rate home mortgage, the interest rate will be the same in year 1 as it is in year 30, with no change in between.

A variable rate loan, on the other hand, fluctuates throughout the term of the loan based on how market rates change, and often correlates directly to US Treasury rates (more on that below). Having a variable interest rate on your home loan could result in a lower introductory rate but will increase in a growing rate environment or could decrease in a declining environment.

In certain situations, a loan may start off with a fixed rate but then convert to variable at some point in the future.

Prime Rate vs. Federal Funds Rate

Now that we have the basics of some common interest rate terminology down, let’s get a little more complex with the prime rate vs. the federal rate. Both rates are benchmark rates that financial institutions use to set their own interest rates.

The federal funds rate is set by the Federal Reserve Open Market Committee (FOMC) at their periodic meetings.   It’s based on a multitude of factors including inflation, employment indicators and the general state of the economy. The FOMC meets eight times a year to establish that rate with a primary goal of keeping the U.S. economy steady. Currently, this rate sits in a range of 3.75% to 4.00%. The Fed Funds rate is generally the rate banks borrow funds on an overnight basis, and it is often tied to the APYs offered on various money market, savings accounts and CDs.

You may have seen recently that the Fed Fundsrate was lowered by 0.25% in each of their September and October FOMC meetings.  These changes affect the next rate we will dive into – the prime rate.

The prime rate is often a starting point for Banks when setting the rate for its most creditworthy customers and is typically set at 3% above the Federal Funds rate.  There are numerous other indexes banks use in setting rates for small business loans, mortgages, credit card, auto and personal loans.  Some of these you may have heard of, including Federal Home Loan Bank (FHLB) and US Treasury Note rates and the Secured Overnight Financing Rate (SOFR).

Wrapping Up

If you have made it this far, congratulations. You are likely armed with enough knowledge to be dangerous in a conversation when interest rates are brought up.

To learn more about interest rates and the rate you can receive from Mabrey Bank, visit any of our 15 full-service locations or give us a call at (888) 272-8866.

With the holiday season approaching, Mabrey Bank will again participate in and sponsor the Buy Bixby contest held by the Bixby Chamber of Commerce. Starting on November 1 and running through December 11, many local Bixby businesses, including both Mabrey Bank locations in Bixby, will be distributing Buy Bixby raffle tickets.

The prizes will be awarded on December 13, with two $1,000 prizes, one $2,000 prize and a $10,000 grand prize up for grabs. Here’s how you can earn tickets:

5 tickets – make a transaction (one per visit)
10 tickets – open a new checking or savings account
15 tickets – open a new CD
20 tickets – apply for a new loan

Last year, a winning ticket came from Mabrey Bank, and we would like to run that streak to two. Stop in to get your tickets starting Saturday, November 1.

For more information on Buy Bixby, click here.

Deposit accounts are foundational to banking. They allow consumers and businesses alike to spend, save, earn interest or be flexible with all three. Even better, deposit accounts are insured by the FDIC, meaning your money is safe and protected up to the legal limit.

In this Banking 101 post, we will walk you through the deposit accounts that we offer at Mabrey Bank and the advantages that each of them gives the customer. If you are interested in learning more or opening a deposit account, please stop by any of our 15 full-service locations across Oklahoma and speak to one of our expert bankers.

Previous Banking 101 articles:

• Credit Scores
• Credit & Debit Card Processing
• Spotting Scams

Traditional Savings Account
This is your classic savings account that you can open at almost any bank across the United States. At Mabrey, these have low minimums to open, low to no monthly service fees and free statements. These accounts give you plenty of flexibility to move money around as necessary. For those wanting to set aside money for a future goal or large purchase or just to build an emergency fund, a traditional savings account is a great place to start.

At Mabrey Bank, it requires just a $50 deposit to open a traditional savings account and as long as your balance remains more than $100, we waive all monthly service fees. Additionally, you earn interest daily on every dollar in your account if you balance remains at $100 or more.

Money Market Account
A Money Market account, or MMA for short, is for customers with larger balances and more limited transactional needs. Like a traditional savings account, it requires a $50 deposit to open a Money Market account, but that is where the similarities end.

While you sacrifice some flexibility putting funds into an MMA, you can reap the rewards. At Mabrey, your savings in an MMA will earn a higher interest rate than funds in a Traditional Savings Account. You also have limited mobility with funds in your MMA, while its not to be used for daily spending, you can access your money in a pinch if necessary.

Certificates of Deposit (CDs) & CDARS
A Certificate of Deposit (CD) gives savers the highest earning potential of any deposit account. If you are unfamiliar with a CD, it is a time-based deposit account that offers steady, stable growth. As the customer, you and the bank enter into an agreement for you to leave a set amount of money in the bank for a specific time. At Mabrey that can be any amount over $2,000 for a period ranging from a few weeks to years.

That money has a fixed interest rate and specific date of withdrawal, known as the maturity date. These interest rates are higher than you could get for funds in a traditional savings account or MMA. However, these don’t offer any flexibility of movement during the CD term.

One variation of a CD is CDARS, or Certificate of Deposit Account Registry Service. This allows a customer to deposit more than $250,000, the maximum amount for FDIC coverage, and yet keep every dollar insured. Mabrey Bank divides those funds amongst other banks to keep insurance on the full amount while you get the convenience of dealing with only one bank and one statement.

Personal Checking Account
Don’t forget about a checking account as a deposit account. While not used for saving, most customers have money deposited into their checking accounts each month for daily use. While checking accounts don’t offer much in terms of interest, they are the most flexible account a bank can offer as far as transactions, deposits, transfers, etc. If it is a traditional checking account you have access to these funds at any time, any day.

At Mabrey Bank, we want to be sure our customers and businesses have access to a deposit account that fits their needs, both for short-term needs and long-term goals. Get in touch with us by calling our in-house Customer Service Team at (888) 272-8866 or stop by a branch and speak to a banker to learn more.

Powering the energy sector requires industry expertise, strategic financial solutions, and strong partnerships.  With recent changes to the Energy Lending industry, we caught up with C.T. Young, our Energy Lending Manager, to discuss the updates and why Mabrey Bank is excelling in providing energy-specific products and services.

Why do community and regional banks, like Mabrey, make for strong financial partners of energy-focused businesses?

The energy lending landscape has undergone a seismic shift over the past five years. Over that time, many large national banks scaled back their energy portfolios, which could have spelled trouble for the industry. What ensued was the largest transfer of market opportunity in energy banking history, leading to community and regional banks becoming the backbone of financing for energy companies in America.

While national banks focused mainly on commodity prices, at Mabrey, we have been able to develop strong relationships thanks to our local market knowledge and deep understanding of the operational nuances that make one producer different from another.

Energy is a capital intensive and cyclical industry. Bankers like myself, who’ve lived through multiple commodity cycles, understand that a company’s performance during the downturn matters more than their performance at the peak. At Mabrey, we know how to structure facilities that work through the valleys, not just the mountaintops.

What separates Mabrey Bank as a leading partner for energy businesses?

Ultimately, speed matters in the energy sector. When an independent producer finds a drilling opportunity or acquisition target, they need a financing decision in weeks, not months. Mabrey Bank can move faster because our decision-makers are local, not spread out across markets.

For example, I recently closed a $12 million borrowing base facility in 25 days. A less local partner may have taken up to 90 days to finance that loan. Speed isn’t just a convenience for our energy partners, but it truly gives them a competitive advantage.

When a borrower calls outside of business hours with a question about their borrowing base, I want them to know they’ll reach me directly. Let’s say commodity prices plunge 15%. My clients and I are already having conversations about solutions so that problems don’t turn into crises.

How are current energy clients thriving in their partnership with Mabrey?

I know I probably sound like a broken record, but the speed of a financing decision allows our partners to thrive. We average 45 days on a decision where the industry average is 75 days. Not only can we make these decisions quickly, but we offer flexible financing options that we can cater to your unique situation. It can’t be a one-size-fits-all strategy when it comes to a loan.

Finally, our expertise really sets us apart. For me personally, I have spent the majority of my career focused on energy lending. As the head of our energy lending division, I’ve spent the last decade building relationships with independent producers across the region, familiarizing myself with the business model for energy corporations to understand when there are strategic opportunities to grow. Mabrey Bank is leaning into energy banking, and it’s become a priority for us bankwide.

What would you tell an energy business that is not currently banking with Mabrey but is looking for a better financial partnership?

The future of energy banking isn’t about balance sheets, it’s about relationships and expertise. If you’re an independent producer still banking with an institution that views energy as a “legacy sector,” you’re leaving money on the table. The banks having success in today’s landscape are those that see opportunity where others see risk. Mabrey Bank is one of those that sees opportunity.

At the end of the day, we’re not just lending money. We’re partnering with the companies that power America.

If you are looking for a new financial partner, I’d love to connect and tell you more about how Mabrey Bank can help you take the next step.

OKMULGEE, Okla. – Mabrey Bank is proud to announce two internal promotions that further solidify the bank’s footprint in Okmulgee and the surrounding communities of East Central Oklahoma.

Tim Davis, who has spent the last 39 years of his banking career in Morris, has been promoted to East Central Director of Lending, SVP. While continuing to manage his team in Morris, Tim will also oversee Mabrey Bank’s market presidents and lending teams in Haskell, Muskogee, Weleetka and Wetumka.

In Okmulgee, Joe Berryhill has been promoted to Market President, SVP. Joe has served the Okmulgee community for the last seven years as a Commercial Lending Officer for Mabrey Bank and will now lead the team of lenders in that market.

“Both Tim and Joe are fixtures in their respective communities and have a history of developing long-lasting partnerships with customers and businesses,” said Mabrey Bank, East Central OK Regional President, SVP, Mark Mabrey. “We are excited for the impact that each will have in these new positions as we continue to showcase the Mabrey Bank difference.” Based out of Okmulgee as the Regional President, Mark Mabrey oversees all of Mabrey Bank’s teams and operations throughout the East Central region, which includes seven of Mabrey’s 15 locations.

Most Americans experience attempted scams every week – calls from unrecognized numbers, texts pretending to be someone else, emails urging that you are just one link-click away from a surprise gift. It’s so commonplace that many of us are almost desensitized to them. However, that mentality is what can lower our guard and actually make us susceptible to more clever fraud tactics.

In the next article in our Banking 101 series, we help you recognize common and uncommon scam ploys and give you tips on what to do (and not do) when faced with fraud. If you would like to read any of our previous Banking 101 articles, click below.

• Credit and Debit Card Processing
• Credit Scores

Preying on Panic
Creating panic or urgency can spur you to act on a scam before your common sense can prevail. Receiving a text or email with a message like “Your account has been locked” or “This is your final warning” scares you just enough to do something rash, like click on link that you shouldn’t. This false sense of urgency should immediately throw up a red flag about the legitimacy of the claim.

If you are concerned that the warning could be true, you can check by calling the business the message claims to be from and verifying the accuracy.

Spoofing the System
It is becoming more common for scammers to make it look like they are calling from a legitimate place of business using Caller ID. This is called “spoofing” and even Mabrey Bank hasn’t been immune to this practice. Scammers have called our customers before with “Mabrey Bank” pulling up on the Caller ID. If this does occur, you can always say, “I will call you back using the number on your website.” Any legitimate service representative for a business will understand and allow you to do so without complaint.

Keep in mind that Mabrey Bank will not call you and ask for personal information.

Goodbye Grammar
Official communication from organizations, like the one you are reading now, are often written or typed by communications professionals. At the very least, they are penned by those who take pride in their work and are not prone to sloppy or bad grammar.

If you notice an email or text containing several misspellings or punctuation errors, it is a strong red flag for a scam. Also, be sure to check out the email address its coming from. Often those can be slightly misspelled addresses.

A Sensitive Subject
Another warning for a scam is the ask for sensitive information. If someone on the phone is requesting your date of birth, social security number, account or PIN numbers, etc., that could be a clue for illegitimacy.

Remember, if you are unsure, you can always call back at a number you trust.

Heed Your Hunch
Lastly, always trust your gut. If something feels off to you about a text, email, phone call, voicemail, or any other message, it likely is fraudulent. Take a pause before acting and verify if the message is real or a scam. It usually takes less than 60 seconds to verify a request. It will take much longer than that to recover lost funds or personal information.

Remember, when in doubt, reach out. Mabrey Bank customer service representatives are here to help you keep your money and information safe and secure. If you ever have a question, we can be reached during business hours at (888) 272-8866.