Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 165

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 165
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        $375,603 |     | 0.03% |     |       $(882) |     |        $542,373 |     | (0.16)% |
| Commercial Real Estate  |     |                       — |     |       4,893,279 |     | 0.00% |     |            — |     |       5,034,106 |     | 0.00%   |
| Residential Real Estate |     |                       — |     |       2,302,223 |     | 0.00% |     |           10 |     |       2,181,222 |     | 0.00%   |
| Auto                    |     |                   8,718 |     |       1,479,713 |     | 0.59% |     |       12,336 |     |       2,555,910 |     | 0.48%   |
| Installment             |     |                     459 |     |         440,223 |     | 0.10% |     |          890 |     |         301,398 |     | 0.30%   |
| Total                   |     |                  $9,291 |     |      $9,491,041 |     | 0.10% |     |      $12,354 |     |     $10,615,009 |     | 0.12%   |

Liquidity and Sources of Funds Liquidity risk management is primarily intended to ensure we are able to maintain sources of cash to adequately fund operations and meet our obligations, including demands from depositors, draws on lines of credit and paying any creditors, on a timely and cost-effective basis, in various market conditions. Our liquidity profile is influenced by changes in market conditions, the composition of the balance sheet and risk tolerance levels. Mechanics has established liquidity guidelines and operating plans that detail the sources and uses of cash and liquidity. Mechanics’ primary sources of liquidity include deposits, loan repayments and investment securities payments, both principal and interest, borrowings, and proceeds from the sale of loans and investment securities. Borrowings may include advances from the FHLB, borrowings from the Federal Reserve, federal funds purchased and borrowing from other financial institutions. While scheduled principal repayments on loans and investment securities are a relatively predictable source of funds, deposit inflows and outflows and prepayments of loans and investment securities are greatly influenced by interest rates