{"schema_version":"secwatch.filing_event.v1","accession":"0001518715-26-000012","form_type":"8-K","ticker":"MCHB","cik":"0001518715","company_name":"Mechanics Bancorp","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.300015+00:00","generated_at":"2026-05-16T05:57:45.747666+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Mechanics Bancorp Q4 net income $124.3M ($0.54 EPS), up from $55.2M Q3; full year $265.7M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001518715-26-000012","json":"https://secwatch.observer/filing/0001518715-26-000012.json","markdown":"https://secwatch.observer/filing/0001518715-26-000012.md","text":"https://secwatch.observer/filing/0001518715-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000012/0001518715-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000012/hmst-20260130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:57:45.747666+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}