MECHANICS BANK

MANSFIELD, OH | Medium | Est. Jan. 1, 1886, midnight | FDIC #29011 | RSSD #943675 | FDIC
Latest Report: 2025-12-31

MECHANICS BANK is amn medium FDIC-insured commercial bank headquartered in MANSFIELD, OH, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $873M and total deposits of $766M. Profitability stands at 0.83% ROA and 10.46% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 15.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 3.02%. FDIC Certificate #29011.

Assets

$873M

Deposits

$766M

Loans

$710M

Equity

$69M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 10.46%
Net Interest Margin (NIM) 3.38%
Yield on Assets 4.70%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.02%
NPA Ratio 0.26%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 15.06%
Tier 1 Capital 15.06%
Total Capital Ratio 16.31%
Leverage Ratio 8.58%
Loan-to-Deposit 92.64%

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