Mechanics Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 107.24 percentage points lower than in Q1 2026, at 223.22%. Within California, Mechanics Bank is 53rd of 114 on return on assets, 1.13% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Mechanics Bank sits 0.17 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.74% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 13.30% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 3.88% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 223.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 8.37% |
| Net interest margin | 3.67% |
| Efficiency ratio | 57.62% |
| Yield on earning assets | 4.84% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.06% |
| Core deposits to total deposits | 97.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.19% |
| Securities to assets | 25.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.03% | 14.03% | 15.38% | 8.78% | 1.27% |
| Q4 2023 | 14.83% | 14.83% | 16.17% | 9.32% | 1.04% |
| Q1 2024 | 13.69% | 13.69% | 14.94% | 8.39% | -2.60% |
| Q2 2024 | 14.65% | 14.65% | 15.79% | 8.78% | 1.17% |
| Q3 2024 | 15.29% | 15.29% | 16.42% | 8.93% | 0.93% |
| Q4 2024 | 16.14% | 16.14% | 17.14% | 9.66% | 1.25% |
| Q1 2025 | 16.89% | 16.89% | 17.77% | 9.91% | 1.06% |
| Q2 2025 | 18.27% | 18.27% | 19.10% | 10.16% | 1.03% |
| Q3 2025 | 14.87% | 14.87% | 16.13% | 11.46% | 1.22% |
| Q4 2025 | 15.59% | 15.59% | 16.81% | 9.58% | 2.31% |
| Q1 2026 | 14.96% | 14.96% | 16.21% | 9.31% | 0.87% |
| Q2 2026 | 15.48% | 15.48% | 16.74% | 9.38% | 1.13% |
Mechanics Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mechanics Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1768) · FFIEC NIC profile (RSSD 936462)