Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 37

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 37
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 not part of this proxy statement/prospectus/consent solicitation statement and is not incorporated herein by reference. Additional information about HomeStreet is included in documents incorporated by reference in this proxy statement/prospectus/consent solicitation statement.

#### Mechanics Bank

#### 1111 Civic Drive

#### Walnut Creek, CA 94596
(925) 482-8000

Mechanics is a privately-owned California state-chartered nonmember bank with its headquarters and main office in Walnut Creek, California. Founded in 1905, Mechanics is an independent, full-service community bank. As of March 31, 2025, Mechanics had total assets of $16.5 billion, total loans of $9.4 billion and total deposits of $14.0 billion. In addition to its main office, Mechanics operates 112 branch locations through California, including locations in Greater San Francisco, Sacramento, Los Angeles and San Diego areas and throughout the Central Valley in California as of March 31, 2025.

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#### TABLE OF CONTENTS
Mechanics provides personal banking, business banking, trust and estate, brokerage and wealth management services. Mechanics’ retail banking products include a wide range of personal checking, savings and loan products (including credit card, home equity, home mortgage and secured/unsecured loans), as well as online banking and a variety of wealth management services (including trust and estate, investment management and financial planning services). Mechanics’ banking products and services for businesses include business checking and savings accounts, business debit cards, online banking, cash management services, wealth management services, business credit cards, commercial real estate loans, equipment leasing and loans guaranteed by the Small Business Administration.

Mechanics operates under a California state banking charter issued by the California Department of Financial Protection and Innovation (the “CDFPI”), its primary state regulator. Mechanics is a member of the Federal Home Loan Bank (“FHLB”) system, and maintains insurance on deposit accounts with the Federal Deposit Insurance Corporation (“FDIC”), which is also Mechanics’ primary federal regulator.

#### The Merger and the Merger Agreement (pages

#### 128

#### and

#### 166
#### )

The terms and conditions of the merger are contained in the merger agreement, a copy of which is attached as

#### Annex A
to this proxy statement/prospectus/consent solicitation statement and incorporated by reference herein. You are encouraged to read the entire merger agreement carefully, as it is the primary legal document that