{"schema_version":"secwatch.filing_event.v1","accession":"0001518715-26-000057","form_type":"8-K","ticker":"MCHB","cik":"0001518715","company_name":"Mechanics Bancorp","filed_at":"2026-07-29T10:01:11+00:00","discovered_at":"2026-07-29T10:10:00.253048+00:00","generated_at":"2026-07-29T10:10:38.759129+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Mechanics Bancorp Q2 net income $57.7M, EPS $0.25, up from Q1 $44.1M","bullets":["Net income $57.7M ($0.25 diluted EPS) vs Q1 $44.1M ($0.19); six-month net income $101.8M vs $86.3M YoY.","Total assets $21.2B, loans $13.6B, deposits $18.1B; cost of deposits 1.25%.","CET1 ratio 14.39%, total risk-based capital 16.70%; ACL to loans 1.12%.","Dividends of $0.70 per Class A share and $7.00 per Class B share paid in Q2.","Non-recurring acquisition and integration costs $5.9M in Q2 vs $4.8M in Q1."],"urls":{"canonical":"https://secwatch.observer/filing/0001518715-26-000057","json":"https://secwatch.observer/filing/0001518715-26-000057.json","markdown":"https://secwatch.observer/filing/0001518715-26-000057.md","text":"https://secwatch.observer/filing/0001518715-26-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/0001518715-26-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/hmst-20260729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T10:10:38.759129+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"}