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Mechanics Bancorp director Patricia Cochran filed an initial ownership report stating she holds no company securities. The Form 3 identifies her as a director of Mechanics Bancorp as of the event date of 09/02/2025, with a remark explicitly noting that no securities are beneficially owned.
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.
Mechanics Bancorp insider Mark K. Mason reported updated holdings following the acceleration and vesting of performance stock units (PSUs) tied to the merger of HomeStreet, Inc. with Mechanics Bank on September 2, 2025, when HomeStreet, Inc. was renamed Mechanics Bancorp. He received 14,848 shares of Class A common stock from a PSU grant dated January 1, 2023 and 33,333 shares from a PSU grant dated January 1, 2024, both issued without cash consideration based on performance factors, with unvested portions canceled. The company withheld 5,843 shares and 13,117 shares, respectively, at a price of $13.87 per share to cover tax liabilities. This amendment corrects previously overstated withholding amounts of 6,430 and 14,434 shares. After these transactions, Mason holds 227,569 shares directly and 2,800 shares indirectly through his spouse.
Mechanics Bancorp announced that its Board of Directors has approved a cash dividend for both classes of its common stock. Holders of Class A common stock will receive $0.21 per share, and holders of Class B common stock will receive $2.10 per share. The dividends are payable on December 15, 2025, to shareholders who are on record as of the close of business on December 8, 2025. The company also issued a press release with further details, which is included as an exhibit.
Mechanics Bancorp completed the merger of HomeStreet Bank into Mechanics Bank on September 2, 2025, and Q3 results now reflect the combined institution for the remainder of the quarter. Total assets rose to $22,708,820 thousand from $16,490,112 thousand at December 31, 2024, with loan and lease receivables increasing to $14,568,795 thousand and deposits to $19,452,819 thousand. Shareholders’ equity grew to $2,774,134 thousand, helped by an improvement in accumulated other comprehensive loss.
Net interest income for the quarter was $145,670 thousand, but a sharply higher provision for credit losses on loans and leases of $46,058 thousand reduced net interest income after provision to $98,652 thousand. Noninterest income was boosted by a $90,363 thousand bargain purchase gain from the merger and a turnaround in securities results, with a $4,292 thousand year-to-date net gain on sales and calls of investment securities compared with a $(207,203) thousand loss in the prior-year period.
Mechanics Bancorp filed a Form 12b-25, notifying a late filing of its Form 10-Q for the quarter ended September 30, 2025. The company cites the need to finalize purchase accounting adjustments related to the merger completed on September 2, 2025, in which HomeStreet Bank merged into Mechanics Bank. Mechanics Bancorp intends to file the 10-Q on or before the fifth calendar day following the prescribed due date. The 10-Q will be the first to reflect merger effects, leading to a significant change in results.
Mechanics Bancorp furnished a third quarter 2025 investor slide presentation under Items 2.02 and 7.01. The materials are furnished and are not deemed “filed” under Section 18, and are not incorporated by reference except as expressly set forth by specific reference.
Management plans to use the slides in meetings with investors and analysts, including a webcast on October 31, 2025 at 11:00 a.m. Eastern. The presentation (Exhibit 99.1) will be available on the investor relations site at http://ir.mechanicsbank.com and includes forward‑looking statements. Readers are directed to the second slide for risk factors and to Risk Factors included in Exhibit 99.2 filed with the SEC on September 2, 2025.
Mechanics Bancorp furnished an update on its business by issuing a press release with results for the third quarter of 2025. The company submitted an 8‑K under Item 2.02, and attached the earnings release as Exhibit 99.1.
The company states this information is being furnished and is not deemed “filed” under Section 18 of the Exchange Act, and it is not incorporated by reference into Securities Act or Exchange Act filings. The press release provides the detailed third‑quarter results.
Mechanics Bancorp, formerly HomeStreet, Inc., filed an amended current report to add required financial information related to its merger of HomeStreet Bank into Mechanics Bank. The amendment supplies audited financial statements of Mechanics Bank for the years ended December 31, 2024 and 2023 and unaudited financial statements for the six months ended June 30, 2025 and 2024. It also provides unaudited pro forma condensed combined financial statements showing how the merged company’s balance sheet and income statements would have looked on a combined basis for the same periods. These exhibits give investors a clearer view of the acquired bank’s historical results and the combined entity’s post‑merger financial profile.
Mechanics Bancorp (formerly HomeStreet, Inc.) completed a merger on September 2, 2025 that converted Mechanics Bank voting shares into Class A common stock of the combined company. Under the merger, each Mechanics voting common share was converted into 3,301.0920 shares of the issuer's Class A stock. EB Acquisition Company LLC received 81,134,239 shares (36.9% of Class A) and EB Acquisition Company II LLC received 90,631,480 shares (41.2% of Class A), together representing 171,765,719 shares or 78.1% of the 219,822,191 outstanding Class A shares reported as of the Closing Date. The shares held by the Ford-related entities were issued in connection with the Merger and funded by capital contributions to the acquisition vehicles. The Ford parties and Rabobank have a registration rights agreement requiring the issuer to use reasonable best efforts to file a resale shelf registration on Form S-3 within 180 days of closing. Carl B. Webb is identified as sole manager of the ultimate management vehicle and is a director of the issuer.