Mechanics Bancorp Q4 net income $124.3M ($0.54 EPS), up from $55.2M Q3; full year $265.7M

Mechanics Bancorp

2025-FY EPS reported $1.27 vs consensus $0.27 ▲ beat (+378.9%)

Net income Q4 2025 $124.3M vs $55.2M Q3 2025; diluted EPS $0.54 vs $0.25.
Full year 2025 net income $265.7M ($1.22 diluted EPS) vs $29.0M ($0.14) in 2024.
Total assets $22.4B, total deposits $19.0B, CET1 ratio 14.07% at Dec 31, 2025.
Merger with HomeStreet Bank completed Sept 2, 2025, materially impacted results.
Adopted new accounting for purchased seasoned loans affecting Q4 2025.

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