Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 161

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 161
---
 |     | 4.08%    |     |      4,273 |     | 6.53%    |     |     14,257 |     | 4.00%    |
| Total HTM Investment securities                  |     |            3,000 |     | —%       |     |           43,123 |     | 0.60%    |     |            274,860 |     | 2.26%    |     |  1,095,931 |     | 1.79%    |     |  1,416,914 |     | 1.80%    |
| Total investment securities                      |     |          $11,509 |     | 2.40%    |     |         $171,156 |     | 2.76%    |     |           $478,600 |     | 2.35%    |     | $4,341,971 |     | 4.40%    |     | $5,003,236 |     | 4.13%    |

| (1) | Weighted-average yields are calculated based on the contractual coupon, including amortization of premiums and accretion of discounts, weighted by amortized cost. |

Loans The following table details the composition of our LHFI portfolio by dollar amount:

| (in thousands)                  |     | March 31, 2025 |     | December 31, 2024 |
|:--------------------------------|:----|---------------:|:----|------------------:|
| Commercial & Industrial         |     |       $352,267 |     |          $410,040 |
| Commercial Real Estate          |     |                |     |                   |
| Construction & Land Development |     |        119,089 |     |           104,430 |
| Other                           |     |      4,792,775 |     |         4,812,278 |
| Residential Real Estate         |     |      2,336,268 |     |         2,280,963 |
| Auto                            |     |      1,363,084 |     |         1,596,935 |

100

TABLE OF CONTENTS

| (in thousands)      |     | March 31, 2025 |     | December 31, 2024 |
|:--------------------|:----|---------------:|:----|------------------:|
|