Mechanics Bancorp (HMST) furnishes Q4 2025 earnings release and investor deck

Rhea-AI Filing Summary

Mechanics Bancorp furnished information about its performance for the fourth quarter and full year ended December 31, 2025. The company issued an earnings press release and a slide presentation that management plans to use in meetings and a webcast with institutional investors and analysts.

The earnings release is provided as Exhibit 99.1 and the fourth quarter 2025 investor presentation as Exhibit 99.2. These materials are described as “furnished,” meaning they are not treated as filed financial statements and are not automatically incorporated into other securities law filings.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_______________________________

FORM 8-K  

_______________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 30, 2026

________________________________ 

MECHANICS BANCORP

________________________________ 

(Exact name of registrant as specified in its charter)

Washington

001-35424

91-0186600

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1111 Civic Drive, Walnut Creek, CA 94596

(Address of principal executive offices) (Zip Code)

(925) 482-8000

(Registrant’s telephone number, including area code) 

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Class A Common Stock, No Par Value

MCHB

The Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition

On January 30, 2026, Mechanics Bancorp issued a press release reporting results of operations for the fourth quarter and year ending December 31, 2025. A copy of the earnings release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

Item 7.01    Regulation FD Disclosure

Mechanics Bancorp is hereby furnishing a fourth quarter 2025 slide presentation that executive management intends to use in meetings with institutional investors and industry analysts, including in a webcast on January 30, 2026, at 11:00 a.m. (eastern time). The slide presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K and will be available on Mechanics Bancorp's investor relations web site at http://ir.mechanicsbank.com.

In accordance with General Instruction B.2 of Form 8-K, the information contained in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01    Financial Statements and Exhibits

Exhibit 99.1			Earnings Release dated January 30, 2026.
Exhibit 99.2			Investor Presentation, Fourth Quarter 2025.
Exhibit 104			Cover Page Interactive Data File (embedded within with Inline XBRL)

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 30, 2026

			MECHANICS BANCORP
			By:						/s/ Nathan Duda
									Nathan Duda
									Executive Vice President and Chief Financial Officer

3

FAQ

What did Mechanics Bancorp (HMST) disclose in its latest 8-K filing?

Mechanics Bancorp furnished an earnings press release and an investor slide deck covering fourth quarter and full-year 2025 performance. These materials are intended for use in investor and analyst meetings and are attached as Exhibits 99.1 and 99.2 to the filing.

Which financial period does Mechanics Bancorp’s (HMST) new earnings release cover?

The earnings press release furnished by Mechanics Bancorp reports results for the fourth quarter and the year ended December 31, 2025. It summarizes operational and financial performance for that period as referenced in the 8-K, and is attached as Exhibit 99.1.

How will Mechanics Bancorp (HMST) use the new investor presentation?

Mechanics Bancorp’s executive management plans to use the fourth quarter 2025 slide presentation in meetings with institutional investors and industry analysts. It will also be used during a webcast held on January 30, 2026, and is provided as Exhibit 99.2.

Are Mechanics Bancorp’s (HMST) exhibits in this 8-K considered filed financial information?

No. The company states the earnings release and investor presentation are being furnished, not filed, under securities laws. This means they are not automatically subject to certain liability provisions or incorporated into other securities offerings unless specifically referenced.

Where can investors access Mechanics Bancorp’s (HMST) fourth quarter 2025 investor slides?

Investors can access the fourth quarter 2025 investor presentation as Exhibit 99.2 to the 8-K filing. The company also indicates the slide deck will be available on Mechanics Bancorp’s investor relations website at its stated web address.