---
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"
generated_at: "2026-05-16T05:57:45.747666+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001518715-26-000012
- JSON: https://secwatch.observer/filing/0001518715-26-000012.json
- Plain text: https://secwatch.observer/filing/0001518715-26-000012.txt

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