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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
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Mechanics Bancorp
Mechanics Bancorp (MCHB) investor relations material
Mechanics Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Net income for Q4 2025 was $124.3 million ($0.54 per diluted share), with ROAA of 2.2% and ROTCE of 28.5%.
HomeStreet Bank merger completed September 2, 2025, with integration progressing and core systems conversion set for March 2026.
Fully diluted EPS was $0.54; tangible book value per share ended at $7.81, and book value per share was $12.93.
Mechanics is now the third-largest community bank in California and fourth-largest on the West Coast.
Total assets at year-end were $22.4 billion, with total loans of $14.2 billion and total deposits of $19.0 billion.
Financial highlights
Net interest income for Q4 2025 was $181.5 million, up 24.6% sequentially, with NIM expanding to 3.47%.
Non-interest income was $78.5 million, down 28.5% from Q3 2025, reflecting a lower bargain purchase gain.
Non-interest expense dropped 20.7% to $129.5 million, with merger costs down to $3.5 million.
Core net income (excluding one-time items) was $59.8 million, with core ROAA of 1.06% and core ROTCE of 14.3%.
Loans-to-deposits ratio was 75%, and cost of deposits decreased to 1.43% in Q4 2025.
Outlook and guidance
NIM expected to expand by 10-15 bps in Q1 2026, reaching ~3.75% by year-end, assuming two rate cuts.
Targeting $300 million run rate earnings by Q4 2026, with ROTCE of 18% and ROAA of 1.44%.
Annual run rate non-interest expense targeted at $430 million (excluding CDI amortization), with $82 million in cost savings from integration.
Dividend payout ratio to exceed 100% in 2026 due to timing of capital from DUS sale, normalizing to ~80% in 2027.
Substantial capital return planned, with a Q2 2026 dividend from the DUS sale proceeds, subject to approvals.
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Next Mechanics Bancorp earnings date
Q1 202617 Apr, 2026
Mechanics Bancorp
Next Mechanics Bancorp earnings date
Q1 202617 Apr, 2026
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Frequently asked questions
Mechanics Bank is a U.S.-based community bank offering a range of financial services for individuals, businesses, and institutions. The bank provides traditional banking products, including checking and savings accounts, loans, and credit facilities, as well as wealth management and trust services. Mechanics Bank serves clients across various sectors with tailored solutions, focusing on personalized service and local expertise. It operates primarily in California. The bank is headquartered in Walnut Creek, California, and its shares are privately held.
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