Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 105

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 105
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, 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; |

| • | customer borrowing, repayment, investment and deposit practices; |

| • | the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement; |

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| • | customer disintermediation; |

| • | the ability to promptly and effectively integrate the businesses of Mechanics, HomeStreet and HomeStreet Bank; |

| • | the impact of purchase accounting with respect to the merger, or any change in the assumptions used regarding the assets purchased and liabilities assumed to determine their fair value; |

| • | the possibility that the Transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; |

| • | challenges retaining or hiring key personnel; |

| • | business disruptions resulting from or following the merger; |

| • | the inability to efficiently manage operating expenses; |

| • | changes in interest rates, including the increases