Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 106

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 106
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 are difficult to predict and are generally beyond the control of either HomeStreet, Mechanics or the combined company. Forward-looking statements speak only as of the date they are made and HomeStreet, HomeStreet Bank and Mechanics assume no duty to update forward-looking statements whether as a result of new information, future events or otherwise, except as required by law. If Mechanics, HomeStreet or HomeStreet Bank update one or more forward-looking statements, no inference should be drawn that Mechanics, HomeStreet or HomeStreet Bank will make additional updates with respect to those or other forward-looking statements. Further information regarding HomeStreet and HomeStreet Bank, and factors which could affect the forward-looking statements contained herein can be found in HomeStreet’s filings with the SEC that are incorporated by reference into this proxy statement/prospectus/consent solicitation statement, as described in the section entitled “ Where You Can Find More Information.” Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results. Actual results may differ materially from current projections. In addition to factors identified elsewhere in this proxy statement/prospectus/consent solicitation statement (including in the section entitled “ Risk Factors”) and the factors previously disclosed in HomeStreet’s reports filed with the SEC, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance:

| • | the outcome of any legal proceedings that may be instituted against Mechanics, HomeStreet, or HomeStreet Bank; |

| • | the possibility that the Transaction does not close when expected or at all because required regulatory, shareholder, or other approvals and other conditions to closing are not received or satisfied on a timely basis or at all (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the Transaction); |

| • | the risk that the benefits from the Transaction may not be fully realized or may take longer to realize than expected, including as a result of changes in, or problems arising from, general economic and market conditions, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Mechanics, HomeStreet and HomeStreet Bank operate; |

| • | the ability of Mechanics and HomeStreet to meet expectations regarding accounting and tax treatments of the Transaction; |

| • | changes in asset quality and credit risk; |

| • | the inability to sustain revenue and earnings growth; |

| •