Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 433

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 433
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 represents a material exception or fact, event or circumstance or that such item would reasonably be expected to have a Material Adverse Effect on the Parent Parties and (iii) any disclosures made with respect to a section of Article IV shall be deemed to qualify (1) any other section of Article IV specifically referenced or cross-referenced and (2) other sections of Article IV to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of such disclosure that such disclosure applies to such other sections or (b) as disclosed in any final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC since January 1, 2023 by Parent pursuant to the Securities Act or the Exchange Act (the “ Parent

<div align='center'>A-23</div>

#### TABLE OF CONTENTS
Reports ”) and prior to the date of this Agreement (but disregarding risk factor disclosures contained under the heading “Risk Factors,” or disclosures of risks set forth in any “forward-looking statements” disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), Parent and Parent Bank hereby represent and warrant to Company as follows:

4.1

#### Corporate Organization
.

(a) Parent is a corporation duly organized, validly existing under the laws of the State of Washington, and is a bank holding company duly registered under the BHC Act. Parent has the corporate power and authority to own, lease or operate all its properties and assets and to carry on its business as it is now being conducted. Parent is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned, leased or operated by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not reasonably be expected to have a Material Adverse Effect on the Parent Parties. True and complete copies of the articles of incorporation of Parent (the “ Parent Articles ”) and the bylaws of Parent (the “ Parent Bylaws ”), in each case as in effect as of the date of this Agreement, have previously been made available by Parent to Company, and Parent is not in violation of the Parent Articles or the Parent Bylaws.

(b) Each Subsidiary of Parent (a “ Parent Subsidiary ”) (i) is duly