Company: MCHB
Filing Date: 2025-05-09
Form Type: 425
Source: 0001518715-25-000085
Chunk: 22

Company: Mechanics Bancorp
Filing Date: 2025-05-09
Form: 425
Chunk 22
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. But Tony, go ahead if you want to add it. Tony Kallingal I think from a product segment standpoint, we're very similar. We have the same products and services in regards to commercial banking. I think the delta is around the segmentation piece in retail banking. Obviously retail does credits up to $250,000 and they kind of source it themselves, and then we have what we call business bankers that cater to the retail banking clients. They can go from $250,000 all the way up to about three and a half million. And then separate from that, obviously it goes into commercial banking regarding CNI or if it's real estate - in regards to investor or multifamily or construction lending and whatnot. I think the thing to really point out at the end of the day, we don't really have this line in the sand between commercial and retail. We have a common goal and objective that how do we deliver to our customer? And that's the key fundamental. You'll see that especially as you're learning a little bit more about Mechanics Bank. We have committees, we have junior loan committees, senior loan committee. We open these committees up to all employees of the bank. And part of that concept is for them to be educated, understand how we look at credit, how we look at risk, and how we service our client at the end of the day. So it's very much a team orientation kind of mindset. C.J. Johnson That's good,to add on the loan sizes. We typically don't want to do deals too much north of $10 million. We prefer less than $10 million. We do plenty of loans north of 10 million, it

gets a much higher degree of scrutiny obviously at the senior loan committee level. We try to be very open. You know, these committees are pretty new, been around about a year, but it's designed to be transparent so people can understand, this is what we want to do, this is what we don't want to do and I don't want people to feel excluded, so anyone can join in and listen, and it can be very instructive. Especially with Carl Webb. He participates in our senior loan committee and he knows his stuff better than anybody. So Scott's perspective and here's what to think about from a credit perspective and sometimes people aren’t thinking about that. It's just tremendous insights that can be gleaned through this process. And then again, the strategy of the bank is to be one hundred percent core funded