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1\n .engines,\n .ogrid,\n .ins,\n .outs {\n grid-template-columns: 1fr;\n }\n .layerbar .ms {\n gap: 20px;\n width: 100%;\n justify-content: space-between;\n }\n .layerbar {\n padding: 22px;\n }\n .o .n {\n font-size: 40px;\n }\n .xlate {\n padding: 22px;\n gap: 18px;\n }\n .xlate .eq {\n font-size: 19px;\n white-space: normal;\n }\n }\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return k=function(){return c},c}var l=e.default.main.withConfig({componentId:"sc-7169c2f6-0"})(k(),h.Z);function m(){return(0,i.Z)(),(0,d.jsxs)(d.Fragment,{children:[(0,d.jsx)(f.Z,{title:"Mabrey Bank Executive Brief | MX",noIndex:!0}),(0,d.jsxs)(l,{children:[(0,d.jsxs)("div",{className:"hero",children:[(0,d.jsx)("div",{className:"pill pa"}),(0,d.jsx)("div",{className:"pill pb"}),(0,d.jsx)("div",{className:"hatch h1x"}),(0,d.jsx)("div",{className:"hatch h2x"}),(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"kicker",children:"Prepared for Mabrey Bank \xa0/\xa0 Deposit Growth"}),(0,d.jsx)("h1",{children:"The balance sheet is growing faster than the deposit base."}),(0,d.jsx)("div",{className:"sub",children:"A $1.99 billion Oklahoma bank with pristine credit, a 3.93% margin, and a core system it just finished upgrading. That gap between assets and funding is the opportunity, and the next lever is primary deposits."}),(0,d.jsx)("div",{className:"tag",children:"Data. Open Banking. Money Experiences."})]})]}),(0,d.jsx)("section",{id:"data",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Case in Brief"}),(0,d.jsx)("h2",{className:"reveal",children:"Strong bank. One lever left unpulled."}),(0,d.jsxs)("div",{className:"reveal",children:[(0,d.jsxs)("p",{className:"big-p",children:["Mabrey Bank enters 2026 from a position of real strength. Fiscal 2025 closed with ",(0,d.jsx)("b",{children:"$20.5 million in net income"})," and an annualized return on equity near ",(0,d.jsx)("b",{children:"17.5%"}),". Credit quality is close to theoretical best: net charge-offs of"," ",(0,d.jsx)("b",{children:"$24 thousand"})," against a $1.50 billion loan book, with nonperforming loans at 0.05% at year end. Sixteen branches, 237 employees, and a century of Oklahoma banking behind it."]}),(0,d.jsxs)("p",{className:"big-p",children:["Inside that strength sits one number worth a conversation. In the first quarter of 2026,"," ",(0,d.jsx)("b",{children:"total assets grew $30.1 million while total deposits declined $43.0 million."})," ","The balance sheet expanded and the deposit base did not fund it. Loan-to-deposit finished the quarter at ",(0,d.jsx)("b",{children:"89.0%"}),", up from the prior quarter, and moving toward the range where every new deposit dollar deploys immediately at the full margin."]}),(0,d.jsx)("p",{className:"big-p",children:"That is not a weakness. It is what a bank with genuine loan demand looks like when funding is the scarcer input. Every community bank in the Tulsa and Oklahoma City markets is competing for the same core deposits, and rate is the lever most of them reach for first. There is a second lever, and it is the one that produces deposits that stay."})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"The core finding"}),(0,d.jsxs)("p",{children:["At Mabrey's ",(0,d.jsx)("b",{children:"3.93% net interest margin"}),", every $100 million in new low-cost core deposits is worth roughly"," ",(0,d.jsx)("b",{children:"$3.9 million in annual net interest income"}),", close to one fifth of what the bank earned in all of 2025. This page addresses where those deposits come from, and why the paycheck is the place to start."]})]})]})}),(0,d.jsx)("section",{className:"alt",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Where Mabrey Bank Stands"}),(0,d.jsx)("h2",{className:"reveal",children:"The numbers, from the call report"}),(0,d.jsx)("div",{className:"lede reveal",children:"Mabrey Bancorporation is privately held and files no public earnings release. Every figure below comes from the bank's own regulatory filings for the quarter ended March 31, 2026, or the prior quarter end."}),(0,d.jsx)("div",{className:"reveal",children:(0,d.jsxs)("table",{className:"snap",children:[(0,d.jsx)("thead",{children:(0,d.jsxs)("tr",{children:[(0,d.jsx)("th",{children:"Metric"}),(0,d.jsx)("th",{className:"r",children:"Mabrey Bank"}),(0,d.jsx)("th",{className:"read",children:"What it signals"})]})}),(0,d.jsxs)("tbody",{children:[(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Total assets",(0,d.jsx)("small",{children:"3/31/2026"})]}),(0,d.jsx)("td",{className:"val",children:"$1.99B"}),(0,d.jsx)("td",{className:"read",children:"Up $30.1M (1.5%) in the quarter. The balance sheet is expanding."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Total deposits",(0,d.jsx)("small",{children:"3/31/2026"})]}),(0,d.jsx)("td",{className:"val bad",children:"$1.68B"}),(0,d.jsx)("td",{className:"read",children:"Down $43.0M (2.5%) from 12/31/2025. Funding did n
1ot keep pace."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Gross loans and leases",(0,d.jsx)("small",{children:"3/31/2026"})]}),(0,d.jsx)("td",{className:"val",children:"$1.50B"}),(0,d.jsx)("td",{className:"read",children:"The asset side has demand. The question is what funds it."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Loan-to-deposit ratio",(0,d.jsx)("small",{children:"gross loans / total deposits"})]}),(0,d.jsx)("td",{className:"val",children:"89.0%"}),(0,d.jsx)("td",{className:"read",children:"Approaching the range where a new deposit dollar deploys at full margin."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Net interest margin",(0,d.jsx)("small",{children:"annualized from Q1 2026"})]}),(0,d.jsx)("td",{className:"val good",children:"3.93%"}),(0,d.jsx)("td",{className:"read",children:"Strong. This is the multiplier on every deposit dollar Mabrey adds."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Efficiency ratio",(0,d.jsx)("small",{children:"Q1 2026"})]}),(0,d.jsx)("td",{className:"val",children:"58.4%"}),(0,d.jsx)("td",{className:"read",children:"Healthy for a 16-branch community bank. This is not a cost story."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Net charge-offs",(0,d.jsx)("small",{children:"Q1 2026, annualized"})]}),(0,d.jsx)("td",{className:"val good",children:"0.01%"}),(0,d.jsx)("td",{className:"read",children:"Essentially pristine. Credit is not competing for management attention."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Return on equity",(0,d.jsx)("small",{children:"Q1 2026, annualized"})]}),(0,d.jsx)("td",{className:"val good",children:"17.5%"}),(0,d.jsx)("td",{className:"read",children:"Top-quartile performance for a bank this size."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Net income",(0,d.jsx)("small",{children:"fiscal year 2025"})]}),(0,d.jsx)("td",{className:"val",children:"$20.5M"}),(0,d.jsx)("td",{className:"read",children:"The denominator for judging whether a deposit lever is worth pulling."})]})]})]})}),(0,d.jsxs)("div",{className:"strip reveal",children:[(0,d.jsxs)("div",{className:"s",children:[(0,d.jsx)("div",{className:"n",children:"$30.1M"}),(0,d.jsx)("div",{className:"k",children:"Asset growth in Q1 2026"})]}),(0,d.jsxs)("div",{className:"s",children:[(0,d.jsx)("div",{className:"n",children:"â$43.0
1M"}),(0,d.jsx)("div",{className:"k",children:"Deposit change in the same quarter"})]}),(0,d.jsxs)("div",{className:"s",children:[(0,d.jsx)("div",{className:"n",children:"$73.1M"}),(0,d.jsx)("div",{className:"k",children:"The one-quarter funding gap"})]})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"The diagnosis"}),(0,d.jsxs)("p",{children:["Mabrey is ",(0,d.jsx)("b",{children:"deposit-constrained"}),". It is not credit-constrained: charge-offs round to zero and provisions are not consuming earnings. It is not cost-constrained: the efficiency ratio is in a healthy band and there is no expense story to tell. Funding is the variable that decides how much of the loan demand in front of this bank actually gets served. Held at the Q1 pace, the annual gap approaches ",(0,d.jsx)("b",{children:"$292 million"}),"."]})]})]})}),(0,d.jsx)("section",{id:"roi",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Strategy"}),(0,d.jsx)("h2",{className:"reveal",children:"One data layer. Four engines. One outcome."}),(0,d.jsx)("div",{className:"lede reveal",children:"Direct deposit switching is the engine everyone talks about. It is one of four, and none of them work as well alone as they do running off the same enriched data."}),(0,d.jsxs)("div",{className:"flow",children:[(0,d.jsx)("div",{className:"flowlab reveal",children:"What goes in"}),(0,d.jsxs)("div",{className:"ins reveal",children:[(0,d.jsxs)("div",{className:"in1",children:[(0,d.jsx)("div",{className:"h",children:"Mabrey's own data"}),(0,d.jsx)("div",{className:"d",children:"Checking, debit and credit transactions from the core"})]}),(0,d.jsxs)("div",{className:"in1",children:[(0,d.jsx)("div",{className:"h",children:"Open banking data"}),(0,d.jsx)("div",{className:"d",children:"Accounts customers connect, inbound and outbound"})]})]}),(0,d.jsxs)("div",{className:"arw reveal",children:[(0,d.jsx)("i",{}),(0,d.jsx)("b",{})]}),(0,d.jsxs)("div",{className:"layerbar reveal",children:[(0,d.jsxs)("div",{className:"lt",children:[(0,d.jsx)("div",{className:"h",children:"The MX data layer"}),(0,d.jsx)("div",{className:"d",children:"Every transaction cleansed, categorized, and resolved to a real merchant identity. This is the foundation all four engines run on."})]}),(0,d.jsxs)("div",{className:"ms",children:[(0,d.jsxs)("div",{children:[(0,d.jsx)("div",{className:"n",children:"100%"}),(0,d.jsxs)("div",{className:"k",children:["Transactions",(0,d.jsx)("br",{}),"cleansed"]})]}),(0,d.jsxs)("div",{children:[(0,d.jsx)("div",{className:"n",children:"95%"}),(0,d.jsxs)("div",{className:"k",children:["Category",(0,d.jsx)("br",{}),"coverage"]})]}),(0,d.jsxs)("div",{children:[(0,d.jsx)("div",{className:"n",children:"633K+"}),(0,d.jsxs)("div",{className:"k",children:["Merchants",(0,d.jsx)("br",{}),"identified"]})]})]})]}),(0,d.jsxs)("div",{className:"arw reveal",children:[(0,d.jsx)("i",{}),(0,d.jsx)("b",{})]}),(0,d.jsx)("div",{className:"flowlab reveal",children:"What it powers"}),(0,d.jsxs)("div",{className:"engines",children:[(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"n",children:"01"}),(0,d.jsx)("div",{className:"h",children:"Capture the paycheck"}),(0,d.jsx)("div",{className:"d",children:"MX identifies the employer in the transaction stream and maps it to the payroll provider. The punch-out that kills completion disappears."}),(0,d.jsxs)("div",{className:"st",children:[(0,d.jsx)("div",{className:"v",children:"20% more"}),(0,d.jsx)("div",{className:"l",children:"Deposit switches with MX intelligence"})]})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"n",children:"02"}),(0,d.jsx)("div",{className:"h",children:"Market with precision"}),(0,d.jsx)("div",{className:"d",children:"Enriched transactions become audiences. See who pays a mortgage elsewhere, whose income just changed, who started a subscription."}),(0,d.jsxs)("div",{className:"st",children:[(0,d.jsx)("div",{className:"v",children:"11%"}),(0,d.jsx)("div",{className:"l",children:"Campaign response at Cadence Bank, against a typical 1%"})]})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"n",children:"03"}),(0,d.jsx)("div",{className:"h",children:"Engage with PFM"}),(0,d.jsx)("div",{className:"d",children:"Budgets, goals and insights give customers a reason to open the app between paydays. Engagement is
1what turns an account into a habit."}),(0,d.jsxs)("div",{className:"st",children:[(0,d.jsx)("div",{className:"v",children:"25% more"}),(0,d.jsx)("div",{className:"l",children:"Savings deposits over six months"})]})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"n",children:"04"}),(0,d.jsx)("div",{className:"h",children:"Intercept intent"}),(0,d.jsx)("div",{className:"d",children:"When a customer connects Mabrey to a lender or an exchange, that is a buying signal in real time, and almost no bank acts on it."}),(0,d.jsxs)("div",{className:"st",children:[(0,d.jsx)("div",{className:"v",children:"3x"}),(0,d.jsx)("div",{className:"l",children:"More likely to hold a loan account"})]})]})]}),(0,d.jsxs)("div",{className:"arw reveal",children:[(0,d.jsx)("i",{}),(0,d.jsx)("b",{})]}),(0,d.jsxs)("div",{className:"prim reveal",children:[(0,d.jsx)("div",{className:"h",children:"Primacy"}),(0,d.jsx)("div",{className:"d",children:"Mabrey becomes the account the paycheck lands in, and the app the customer opens between paydays."})]}),(0,d.jsxs)("div",{className:"arw reveal",children:[(0,d.jsx)("i",{}),(0,d.jsx)("b",{})]}),(0,d.jsxs)("div",{className:"outs reveal",children:[(0,d.jsxs)("div",{className:"out1",children:[(0,d.jsx)("div",{className:"h",children:"Deposit growth"}),(0,d.jsx)("div",{className:"d",children:"Core, low-cost, and sticky"})]}),(0,d.jsxs)("div",{className:"out1",children:[(0,d.jsx)("div",{className:"h",children:"Loan growth"}),(0,d.jsx)("div",{className:"d",children:"Verified, faster to originate"})]}),(0,d.jsxs)("div",{className:"out1",children:[(0,d.jsx)("div",{className:"h",children:"Interchange growth"}),(0,d.jsx)("div",{className:"d",children:"Card on file, top of wallet"})]})]})]})]})}),(0,d.jsx)("section",{className:"alt",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"What It Produces"}),(0,d.jsx)("h2",{className:"reveal",children:"What banks running this actually see"}),(0,d.jsx)("div",{className:"lede reveal",children:"Published MX outcomes, each tied to the engine that produces it. These are results at other institutions, not a forecast of Mabrey's."}),(0,d.jsxs)("div",{className:"ogrid",children:[(0,d.jsxs)("div",{className:"o reveal",children:[(0,d.jsx)("div",{className:"n",children:"20%"}),(0,d.jsx)("div",{className:"h",children:"More deposit switches"}),(0,d.jsx)("div",{className:"d",children:"The employer to payroll mapping removes the highest friction step in the switch flow."}),(0,d.jsx)("div",{className:"s",children:"Engine 01 \xa0/\xa0 mx.com"})]}),(0,d.jsxs)("div",{className:"o reveal",children:[(0,d.jsx)("div",{className:"n",children:"37x"}),(0,d.jsx)("div",{className:"h",children:"More direct deposit switches"}),(0,d.jsx)("div",{className:"d",children:"What the full capture motion produces over six months when it runs at scale."}),(0,d.jsx)("div",{className:"s",children:"Engine 01 \xa0/\xa0 mx.com"})]}),(0,d.jsxs)("div",{className:"o dk reveal",children:[(0,d.jsx)("div",{className:"n",children:"10x"}),(0,d.jsx)("div",{className:"h",children:"More deposits"}),(0,d.jsx)("div",{className:"d",children:"The compounding effect of positioning for the primary relationship rather than a single product."}),(0,d.jsx)("div",{className:"s",children:"Primacy \xa0/\xa0 mx.com"})]}),(0,d.jsxs)("div",{className:"o reveal",children:[(0,d.jsx)("div",{className:"n",children:"25%"}),(0,d.jsx)("div",{className:"h",children:"More savings deposits"}),(0,d.jsx)("div",{className:"d",children:"Over six months, from customers engaging with money management tools."}),(0,d.jsx)("div",{className:"s",children:"Engine 03 \xa0/\xa0 mx.com"})]}),(0,d.jsxs)("div",{className:"o reveal",children:[(0,d.jsx)("div",{className:"n",children:"2x"}),(0,d.jsx)("div",{className:"h",children:"Higher savings balances"}),(0,d.jsx)("div",{className:"d",children:"Depth inside the customer base Mabrey already has, without adding a household."}),(0,d.jsx)("div",{className:"s",children:"Engine 03 \xa0/\xa0 mx.com"})]}),(0,d.jsxs)("div",{className:"o reveal",children:[(0,d.jsx)("div",{className:"n",children:"76%"}),(0,d.jsx)("div",{className:"h",children:"More likely still engaged"}),(0,d.jsx)("div",{className:"d",children:"A year later, for customers who set up direct deposit in their first 30 days."}),(0,d.jsx)("div",{className:"s",children:"Longevity \xa0/\xa0 MX study of 10M consumers"})]})]}),(0,d.jsxs)("div",{className:"xlate reveal",children:[(0,d.jsxs)("div",{className:"eq",children:["$100M \xd7 3.93% = ",(0,d.jsx)("em",{children:"$3.9M / yr"})]}),(0,d.jsxs)("div",{className:"tx",children:["Whatever the mix of engines, the output lands in one place:"," ",(0,d.jsx)("b",{children:"more core deposits."})," At Mabrey's own reported margin, every $100 million is roughly $3.9 million in annual net interest income, close to a fifth of fiscal 2025 net income. Replacing the $43.0 million the deposit base gave up in Q1 is worth about $1.7 million a year. Loan and interchange growth build on top of that and are not counted in it."]})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"How to read these numbers"}),(0,d.jsx)("p",{children:"Each figure above is a published outcome at an institution that deployed the corresponding capability, not an average across all clients and not a commitment. The translation to net interest income is an illustrative planning estimate using Mabrey's own reported margin, with one assumption: the volume of deposits gathered. It counts no fee income, no interchange, and none of the loan growth that funding capacity unlocks. The fastest way to sharpen it is to replace that assumption with Mabrey's actual onboarding volume and current direct deposit capture rate."})]})]})}),(0,d.jsx)("section",{className:"alt",id:"proof",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Proof"}),(0,d.jsx)("h2",{className:"reveal",children:"Published outcomes at other institutions"}),(0,d.jsx)("div",{className:"lede reveal",children:"Every figure on this page is drawn from a published MX case study. Each is another institution's result, not a forecast of Mabrey's."}),(0,d.jsxs)("div",{className:"cases",children:[(0,d.jsxs)("div",{className:"case reveal",children:[(0,d.jsx)("div",{className:"who",children:"Global Credit Union"}),(0,d.jsx)("div",{className:"what",children:"Deposit capture"}),(0,d.jsxs)("ul",{children:[(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"40
1x"})," projected deposit growth versus the existing solution within the first 72 hours"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"Nearly 9x"})," increase in customer lifetime value over 30 days"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"One week"})," from implementation to launch"]})]}),(0,d.jsxs)("div",{className:"tie",children:[(0,d.jsx)("b",{children:"Why it maps:"})," this is the direct-deposit switching mechanism itself, and the speed to launch matters for a bank that wants funding on the books this year."]})]}),(0,d.jsxs)("div",{className:"case reveal",children:[(0,d.jsx)("div",{className:"who",children:"WaFd Bank"}),(0,d.jsx)("div",{className:"what",children:"Balance depth per relationship"}),(0,d.jsxs)("ul",{children:[(0,d.jsxs)("li",{children:["Median deposit balance of ",(0,d.jsx)("b",{children:"$6,500"})," for customers using MX money management tools, versus ",(0,d.jsx)("b",{children:"$1,500"})," for those who do not"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"74,000+"})," customers given access since 2014"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"5x"})," greater median deposit balances among engaged users"]})]}),(0,d.jsxs)("div",{className:"tie",children:[(0,d.jsx)("b",{children:"Why it maps:"})," Mabrey's growth does not have to come only from new households. Depth inside the existing base is the other half of the funding answer."]})]}),(0,d.jsxs)("div",{className:"case reveal",children:[(0,d.jsx)("div",{className:"who",children:"Cadence Bank"}),(0,d.jsx)("div",{className:"what",children:"Interchange and card on file"}),(0,d.jsxs)("ul",{children:[(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"11%"})," campaign response rate, against a typical rate near 1%"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"5,800"})," customers added their debit card for recurring payments"]}),(0,d.jsxs)("li",{children:[(0,d.jsx)("b",{children:"25,000+"})," new recurring payments, worth roughly"," ",(0,d.jsx)("b",{children:"$157,000"})," in estimated annual recurring interchange"]})]}),(0,d.jsxs)("div",{className:"tie",children:[(0,d.jsx)("b",{children:"Why it maps:"})," the same transaction intelligence that finds the paycheck finds the recurring bill. This is the interchange lever, sitting on the same data."]})]}),(0,d.jsxs)("div",{className:"case reveal",children:[(0,d.jsx)("div",{className:"who",children:"MX platform study"}),(0,d.jsx)("div",{className:"what",children:"Ten million consumers"}),(0,d.jsxs)("ul",{children:[(0,d.jsxs)("li",{children:["Customers who set up"," ",(0,d.jsx)("b",{children:"direct deposit in the first 30 days"})," are"," ",(0,d.jsx)("b",{children:"76% more likely"})," to still be digitally engaged a year later"]}),(0,d.jsxs)("li",{children:["Connecting an external account: ",(0,d.jsx)("b",{children:"48% more likely"})]}),(0,d.jsxs)("li",{children:["Logging in four or more days in month one:"," ",(0,d.jsx)("b",{children:"550% more likely"})]})]}),(0,d.jsxs)("div",{className:"tie",children:[(0,d.jsx)("b",{children:"Why it maps:"})," it quantifies why the paycheck is the right first move. Primacy captured early is primacy retained."]})]})]}),(0,d.jsxs)("div",{className:"band reveal",children:[(0,d.jsx)("div",{className:"k",children:"Platform scale"}),(0,d.jsxs)("p",{children:["13,000 or more connections with financial institutions and fintechs. More than 170 billion transactions processed, averaging over 150 million a day. 95% category coverage across the platform, with more than 633,000 merchants in the data enhancement layer. In July 2026 MX published that institutions using these capabilities have achieved, on average,"," ",(0,d.jsx)("b",{children:"2x growth in deposits and loans"}),"."]})]})]})}),(0,d.jsx)("section",{id:"fit",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Where MX Fits"}),(0,d.jsx)("h2",{className:"reveal",children:"Four views of the customer, one provider"}),(0,d.jsx)("div",{className:"lede reveal",children:"MX is a data furnisher into whatever Mabrey already runs. Nothing here asks the bank to replace its core, its digital banking platform, or its marketing stack."}),(0,d.jsxs)("div",{className:"layers",children:[(0,d.jsxs)("div",{className:"lay reveal",children:[(0,d.jsx)("div",{className:"num",children:"01 \xa0 INBOUND"}),(0,d.jsx)("div",{className:"h",children:"Accounts customers connect to Mabrey"}),(0,d.jsxs)("div",{className:"d",children:["Aggregation and account verification."," ",(0,d.jsx)("b",{children:"The employer signal that drives direct deposit switching lives here"}),", alongside the balances a customer holds elsewhere."]})]}),(0,d.jsxs)("div",{className:"lay reveal",children:[(0,d.jsx)("div",{className:"num",children:"02 \xa0 HELD"}),(0,d.jsx)("div",{className:"h",children:"Mabrey's own transaction data, enriched"}),(0,d.jsxs)("div",{className:"d",children:["Send checking, debit and credit transactions, get them back with merchant, logo, location and category."," ",(0,d.jsx)("b",{children:"Dozens of attributes a core system does not produce"}),", usable in the app and in marketing alike."]})]}),(0,d.jsxs)("div",{className:"lay reveal",children:[(0,d.jsx)("div",{className:"num",children:"03 \xa0 USER"}),(0,d.jsx)("div",{className:"h",children:"What customers tell you by using the tools"}),(0,d.jsxs)("div",{className:"d",children:["Budgets, goals, insights and financial wellness. This is the WaFd mechanism:"," ",(0,d.jsx)("b",{children:"engaged users carry materially higher balances"}),"."]})]}),(0,d.jsxs)("div",{className:"lay reveal",children:[(0,d.jsx)("div",{className:"num",children:"04 \xa0 OUTBOUND"}),(0,d.jsx)("div",{className:"h",children:"Where customers take Mabrey's data"}),(0,d.jsxs)("div",{className:"d",children:["When a customer connects Mabrey to a lender, an exchange or a competitor, that is"," ",(0,d.jsx)("b",{children:"the highest-intent buying signal available"}),", and it is one almost no bank is acting on today."]})]})]}),(0,d.jsxs)("div",{className:"chips reveal",children:[(0,d.jsxs)("div",{className:"chip",children:[(0,d.jsx)("b",{children:"No"})," core replacement"]}),(0,d.jsxs)("div",{className:"chip",children:[(0,d.jsx)("b",{children:"No"})," digital banking platform switch"]}),(0,d.jsxs)("div",{className:"chip",children:[(0,d.jsx)("b",{children:"No"})," marketing stack change"]}),(0,d.jsxs)("div",{className:"chip",children:[(0,d.jsx)("b",{children:"No"})," analytics lock-in"]})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"Why the timing works"}),(0,d.jsx)("p",{children:"Mabrey completed a significant upgrade to its core banking system in 2025 and has publicly n
1amed enhanced digital banking, investment in new products and technology, and steady, stable growth as its priorities into 2026. The integration window right after a core conversion is the cheapest one a bank ever gets. The data plumbing is already open, the team is already in project mode, and the roadmap for the year is still being written."})]})]})}),(0,d.jsx)("div",{className:"cta",id:"next",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Next Step"}),(0,d.jsx)("h2",{className:"reveal",children:"A first call with the people who own deposit growth and the digital roadmap."}),(0,d.jsx)("div",{className:"lede reveal",children:"Nothing to prepare and no demo to sit through. The goal is to find out whether the funding picture in this brief matches the way Mabrey sees it, and to hear where you want to take the bank from here."}),(0,d.jsx)("div",{className:"askhead reveal",children:"Who is worth having on that call"}),(0,d.jsxs)("div",{className:"steps",children:[(0,d.jsxs)("div",{className:"step reveal",children:[(0,d.jsx)("div",{className:"n",children:"01"}),(0,d.jsx)("div",{className:"h",children:"Deposit and retail growth"}),(0,d.jsx)("div",{className:"d",children:"Whoever owns deposit gathering and new account growth, across the branches and digital."})]}),(0,d.jsxs)("div",{className:"step reveal",children:[(0,d.jsx)("div",{className:"n",children:"02"}),(0,d.jsx)("div",{className:"h",children:"Digital banking and product"}),(0,d.jsx)("div",{className:"d",children:"Whoever owns the roadmap coming out of the 2025 core upgrade."})]}),(0,d.jsxs)("div",{className:"step reveal",children:[(0,d.jsx)("div",{className:"n",children:"03"}),(0,d.jsx)("div",{className:"h",children:"Data and analytics"}),(0,d.jsx)("div",{className:"d",children:"Whoever would put enriched transaction data to work day to day."})]})]}),(0,d.jsxs)(j.Z,{role:"Account Executive, MX Technologies",children:[(0,d.jsx)("p",{children:"Thank you for reading this far. I would enjoy the chance to sit down with you and your team, hear where you want to take Mabrey over the next few years, and go deeper on any of this. If there is a better place to start than deposits, I would like to hear that too."}),(0,d.jsxs)("p",{children:["You can reach me any time at"," ",(0,d.jsx)("a",{href:"mailto:[email protected]",children:"[email protected]"}),"."]})]})]})}),(0,d.jsx)("footer",{children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"mission",children:"MX exists to empower the world to be financially strong, by helping financial institutions turn their data into deposit, loan and interchange growth."}),(0,d.jsxs)("div",{className:"disc",children:[(0,d.jsxs)("p",{children:[(0,d.jsx)("b",{children:"Sources and methodology."})," Figures described as reported are taken from Mabrey Bank's FFIEC Consolidated Report of Condition and Income (FDIC Certificate 10667) for the quarter ended 3/31/2026 and the quarter ended 12/31/2025, as published by iBanknet, usbanklocations and MonitorBankRates. Derived figures were calculated by MX from those filings: gross loans are net loans plus allowance ($1,481,693K plus $17,143K); loan-to-deposit is gross loans divided by total deposits; net interest margin is Q1 2026 net interest income of $18,552K annualized ($74,208K) divided by average earning assets, using average total assets across 12/31/2025 and 3/31/2026 at a 95.33% earning-asset ratio. Only one figure is assumed: the volume of new low-cost deposits gathered. Every impact figure is that volume multiplied by the 3.93% derived margin. Strategic context is drawn from Mabrey Bank's own published annual materials."]}),(0,d.jsxs)("p",{children:[(0,d.jsx)("b",{children:"Disclaimer."})," Mabrey Bank is a privately held Oklahoma state-chartered bank headquartered in Bixby, Oklahoma, FDIC Certificate 10667, owned by Mabrey Bancorporation. It files no public earnings release and is not affiliated with any similarly named public company. The impact figures are illustrative planning estimates prepared by MX, not Mabrey Bank's reported, projected or forecast results, and are not a guarantee of outcome. Peer figures are published client outcomes at other institutions and are not a prediction of Mabrey's results. Call report data for the quarter ended 6/30/2026 was not confirmed as filed at the date of this page; all figures here are as of 3/31/2026 or earlier and should be refreshed once the June quarter is available."]}),(0,d.jsxs)("div",{className:"src",children:["Peer results published at"," ",(0,d.jsx)("a",{href:"https://www.mx.com/case-studies/",target:"_blank",rel:"noopener noreferrer",children:"mx.com/case-studies"}),". Prepared July 2026 by Joshua Baker, MX Technologies."]})]})]})})]}),(0,d.jsx)(g.Z,{})]})}}}
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