Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 55

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 55
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obank is entitled to certain demand registration rights, shelf takedown rights and piggyback registration rights with respect to shares of the combined company common stock it acquires in the merger, in each case, subject to certain minimum and maximum thresholds and other customary limitations, and (ii) the combined company is required to use reasonable best efforts to file, within 180 days of the closing date, a resale shelf registration statement on Form S-3 covering the shares of the combined company common stock acquired by the Ford Entities and Rabobank in the merger. The shares of HomeStreet common stock to be issued by HomeStreet to the Ford Entities in the merger are not being registered pursuant to the registration statement of which this proxy statement/prospectus/consent solicitation statement forms a part.

The combined company will pay the registration expenses (other than underwriting discounts, selling commissions, stock transfer taxes and fees and certain legal fees) of the shares registered pursuant to the demand registration rights, shelf takedown rights and piggyback registration rights. The applicable Ford Entities or Rabobank Parties will pay such underwriting discounts, selling commissions, stock transfer taxes and fees and legal fees.

Further, the combined company, Mechanics, the Ford Entities and Rabobank each agree to, and agree to cause their respective affiliates to, cooperate with each other with respect to certain bank regulatory matters and to use reasonable best efforts to comply with certain regulatory requirements. For more information, see the section entitled “ The Registration Rights Agreement .”

#### Accounting Treatment of the Merger (page165)
The merger will be accounted for as a reverse acquisition of HomeStreet by Mechanics under the reverse acquisition method of accounting in accordance with the U.S. generally accepted accounting principles (“GAAP”), and Mechanics will be treated as the acquirer for accounting purposes.

**The Rights of Mechanics Shareholders and HomeStreet Shareholders Will Change as a Result of the Merger (page**

#### 202
#### )

Upon the completion of the merger, Mechanics shareholders will receive shares of the combined company common stock in the merger and will cease to hold shares of Mechanics common stock. The rights of existing HomeStreet shareholders will also change upon the adoption of the articles amendment. The future rights of the combined company shareholders (which will include existing Mechanics shareholders and existing HomeStreet shareholders) will be governed by the amended and restated articles, the amended and restated bylaws and Washington law upon the completion of the merger. The rights associated with Mechanics common stock and existing HomeStreet common

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