MECHANICS BANK

WALNUT CREEK, CA | Regional | Est. Jan. 1, 1905, midnight | FDIC #1768 | RSSD #936462 | FDIC
Latest Report: 2025-12-31

MECHANICS BANK is arn regional FDIC-insured commercial bank headquartered in WALNUT CREEK, CA, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $22.4B and total deposits of $19.0B. Profitability stands at 2.30% ROA and 17.18% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 15.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 1.51%. FDIC Certificate #1768.

Assets

$22.4B

Deposits

$19.0B

Loans

$14.2B

Equity

$3.1B

Profitability

Return on Assets (ROA) 2.30%
Return on Equity (ROE) 17.18%
Net Interest Margin (NIM) 3.59%
Yield on Assets 4.92%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.28%
Texas Ratio 1.51%
NPA Ratio 0.22%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 15.59%
Tier 1 Capital 15.59%
Total Capital Ratio 16.81%
Leverage Ratio 9.58%
Loan-to-Deposit 74.53%

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