Edward Downer files initial Mechanics Bancorp (MCHB) ownership Form 3

Rhea-AI Filing Summary

Mechanics Bancorp director Edward Michael Downer filed an initial Form 3, which is a statement of beneficial ownership for insiders. This filing lists him as a director but shows no reported transactions, meaning there are no disclosed recent purchases, sales, or other changes in his holdings in this document.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Downer Edward Michael

(Last) (First) (Middle)

1111 CIVIC DR STE 390

(Street)

WALNUT CREEK CA 94596-3895

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
09/02/2025

3. Issuer Name and Ticker or Trading Symbol
Mechanics Bancorp [ MCHB ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

No securities are beneficially owned.

	/s/ Glenn Shrader, Attorney in fact for E. Michael Downer	02/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the Mechanics Bancorp (MCHB) Form 3 filing report for Edward Michael Downer?

The Form 3 shows that Edward Michael Downer is an insider of Mechanics Bancorp serving as a director. It is an initial statement of beneficial ownership and, in this excerpt, does not list any stock transactions or changes in his holdings.

Does the Mechanics Bancorp Form 3 for Edward Michael Downer show any stock purchases or sales?

No, this Form 3 excerpt does not report any stock purchases, sales, or other transactions for Edward Michael Downer. The transaction summary indicates zero buy, sell, acquire, or dispose events and a neutral net share change.

What insider role does Edward Michael Downer hold at Mechanics Bancorp (MCHB)?

Edward Michael Downer is identified as a director of Mechanics Bancorp. The Form 3 flags him as a director, with no officer role, no officer title, and he is not marked as a ten percent owner in this filing excerpt.

Why is a Form 3 filed for Edward Michael Downer at Mechanics Bancorp?

Form 3 is filed to disclose that Edward Michael Downer is an insider of Mechanics Bancorp and to report his beneficial ownership status. It serves as his initial ownership statement under insider reporting rules, even though this excerpt shows no specific share amounts or transactions.

Does the Form 3 for Mechanics Bancorp include any explanatory footnotes?

The Form 3 structure includes a footnotes section, but the excerpt shown contains no substantive footnote text. As presented, there are no additional explanations about voting power, indirect ownership, or other entities related to Edward Michael Downer.