MECHANICS BANK

FDIC #1768 · CA · period 20260630

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Total assets3,609,379-33.45% YoY

Total deposits2,901,831-33.64% YoY

Net loans and leases1,660,313-57.75% YoY

Return on assets0.64%+8.48% YoY

Return on equity4.30%+3.12% YoY

Net interest margin3.30%-22.30% YoY

Peer position

Return on assets30thin line · n=112

Return on equity19thopportunity · n=108

Net interest margin54thin line · n=112

Equity to assets78thstrength · n=108

Noncurrent loans81ststrength · n=106

Liquid assets76thstrength · n=108

Brokered deposits100thstrength · n=107

Loans to deposits81ststrength · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	3,609,379	2,901,831	1,660,313	0.64	4.30	3.30
2016-06-30	3,586,895	2,927,125	1,851,997	0.67	4.44	3.45
2016-09-30	3,758,125	3,108,120	1,934,538	0.80	5.34	3.51
2016-12-31	5,593,562	4,429,455	4,091,754	0.84	5.71	3.90
2017-03-31	5,423,198	4,372,868	3,929,563	0.59	4.17	4.25
2017-06-30	5,704,679	4,569,501	4,169,348	0.61	4.36	4.23
2017-09-30	5,702,388	4,315,713	4,321,885	0.59	4.16	4.31
2017-12-31	5,637,565	4,179,096	4,224,055	0.57	4.02	4.30
2018-03-31	5,676,392	4,074,427	4,329,804	0.83	5.80	4.21
2018-06-30	6,133,131	4,822,461	4,382,831	0.72	5.18	4.27
2018-09-30	6,004,338	4,782,291	4,485,721	0.80	5.77	4.38
2018-12-31	6,032,147	4,694,831	4,522,590	0.88	6.31	4.45
2019-03-31	6,045,496	4,774,188	4,547,843	1.01	7.05	4.59
2019-06-30	6,299,309	4,733,209	4,707,170	0.99	6.95	4.63
2019-09-30	17,299,341	14,668,158	9,939,045	0.25	1.85	3.68
2019-12-31	17,204,194	14,593,878	10,129,085	0.55	4.02	3.93
2020-03-31	17,041,081	14,289,288	10,224,335	0.52	3.78	3.89
2020-06-30	18,869,983	16,065,874	11,186,183	0.36	2.67	3.67
2020-09-30	18,539,337	15,773,408	10,987,908	0.31	2.37	3.61
2020-12-31	19,142,908	16,346,608	10,994,363	0.51	3.90	3.55
2021-03-31	18,944,668	16,186,433	11,271,463	0.98	7.55	3.53
2021-06-30	18,797,454	15,977,342	11,098,664	1.06	8.06	3.60
2021-09-30	19,052,469	16,351,217	10,915,051	1.10	8.48	3.63
2021-12-31	19,422,861	16,766,624	10,870,450	1.08	8.41	3.60
2022-03-31	18,900,207	16,372,365	11,081,906	1.05	8.60	3.40
2022-06-30	18,616,778	16,147,421	11,348,978	1.16	9.55	3.55
2022-09-30	18,349,910	15,978,491	11,538,141	1.17	9.76	3.66
2022-12-31	18,139,330	15,499,389	11,919,832	1.16	9.70	3.73
2023-03-31	17,946,221	14,840,424	11,795,868	1.16	9.85	3.81
2023-06-30	18,179,764	15,039,228	11,509,011	1.08	9.24	3.62
2023-09-30	17,838,311	14,675,816	11,002,720	1.15	9.80	3.55
2023-12-31	17,505,527	14,301,874	10,648,149	1.13	9.42	3.48
2024-03-31	17,339,524	14,166,703	10,334,733	-2.60	-20.44	3.09
2024-06-30	17,326,598	14,104,511	10,109,391	-0.72	-5.62	3.30
2024-09-30	16,606,281	14,112,029	9,824,991	-0.18	-1.35	3.35
2024-12-31	16,493,900	13,945,593	9,559,270	0.17	1.29	3.37
2025-03-31	16,544,299	13,990,207	9,344,709	1.06	7.49	3.44
2025-06-30	16,575,049	13,972,737	9,175,789	1.04	7.30	3.46
2025-09-30	22,712,606	19,460,206	14,458,490	1.05	7.58	3.31
2025-12-31	22,367,624	19,035,000	14,033,057	1.44	10.38	3.45
2026-03-31	21,403,986	18,251,541	13,703,598	0.87	6.34	3.71
2026-06-30	21,245,166	18,098,231	13,431,289	0.99	7.33	3.71

Structure and branch footprint

169 current branch locations across 6 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-09-02	1	258771	936462
2019-09-01	1	877369	936462
2019-09-01	1	5403820	936462
2018-06-01	1	852263	936462
2018-06-01	1	1031588	936462
2016-10-01	1	3669930	936462

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.