---
schema_version: "secwatch.filing_event.v1"
accession: "0001518715-25-000176"
form_type: "8-K"
ticker: "MCHB"
cik: "0001518715"
company_name: "Mechanics Bancorp"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:19:18.507124+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Mechanics Bancorp reports Q3 net income $55.2M after HomeStreet merger

## Summary
- Net income $55.2M ($0.25 diluted EPS), up from $42.5M ($0.20) in Q2 2025.
- Total assets rose $6.1B to $22.7B; total deposits increased $5.5B to $19.5B.
- Completed merger with HomeStreet Bank on September 2, 2025.
- CET1 ratio 13.42%, ACL to loans 1.16% after $46.1M provision for credit losses.
- Tangible book value per share $7.73; noninterest-bearing deposits $6.7B.

## SEC filing metadata
- accession: 0001518715-25-000176
- form_type: 8-K
- ticker: MCHB
- cik: 0001518715
- company_name: Mechanics Bancorp
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1518715/000151871525000176/0001518715-25-000176-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1518715/000151871525000176/hmst-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001518715-25-000176
- JSON: https://secwatch.observer/filing/0001518715-25-000176.json
- Plain text: https://secwatch.observer/filing/0001518715-25-000176.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.