Company: MCHB
Filing Date: 2025-08-19
Form Type: 425
Source: 0001518715-25-000127
Chunk: 1

Company: Mechanics Bancorp
Filing Date: 2025-08-19
Form: 425
Chunk 1
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 by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 12(a) of the Exchange Act. |

| Item 8.01 |     | Other Events |

On August 19, 2025, HomeStreet, Inc., a Washington corporation (“HomeStreet” or the “Company”), and Mechanics Bank, a California state-chartered commercial bank (“Mechanics”), issued a joint press release announcing that they have received all necessary regulatory approvals from the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the California Department of Financial Protection and Innovation, and the Washington State Department of Financial Institutions to complete the transactions contemplated by the Agreement and Plan of Merger, dated as of March 28, 2025, by and among HomeStreet, HomeStreet Bank, a Washington state-chartered commercial bank and a wholly owned subsidiary of HomeStreet (“HomeStreet Bank”), and Mechanics, including the merger of HomeStreet Bank with and into Mechanics (the “Merger”). A copy of the joint press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Completion of the Merger remains subject to customary closing conditions, including the receipt of the requisite HomeStreet shareholder approvals at the HomeStreet special meeting of shareholders scheduled for August 21, 2025. Assuming such conditions are satisfied, the Merger is expected to close on or about September 2, 2025.

| Item 9.01    
 (d)          
 Exhibit 99.1 |     | Financial Statements and Exhibits                                                 
 Exhibits.                                                                         
 Joint Press Release of Mechanics Bank and HomeStreet, Inc., dated August 19, 2025 |
|:-------------|:----|:----------------------------------------------------------------------------------|
| Exhibit 104  |     | Cover Page Interactive Data File (embedded within with Inline XBRL)               |

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). Generally, forward-looking statements include the words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “goal,” “upcoming,” “outlook,” “guidance” or “project” or the negation thereof, or similar expressions, including statements relating to the anticipated closing of the