---
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"
generated_at: "2026-07-29T10:10:38.759129+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Mechanics Bancorp Q2 net income $57.7M, EPS $0.25, up from Q1 $44.1M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001518715-26-000057
- JSON: https://secwatch.observer/filing/0001518715-26-000057.json
- Plain text: https://secwatch.observer/filing/0001518715-26-000057.txt

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