Company: MCHB
Filing Date: 2025-08-07
Form Type: 425
Source: 0001518715-25-000116
Chunk: 8

Company: Mechanics Bancorp
Filing Date: 2025-08-07
Form: 425
Chunk 8
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 in meeting current underwriting standards may adversely impact all or a substantial portion of our rate-lock loan activity we recognize; (20) technological changes may be more difficult or more expensive than what we anticipate; (21) a failure in or breach of our operational or security systems or information technology infrastructure, or those of our third-party providers and vendors, including due to cyber-attacks; (22) success or consummation of new business initiatives may be more difficult or expensive than what we anticipate; (23) staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our work force and potential associated charges; and (24) litigation, investigations or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than what we anticipate. A discussion of the factors, risks and uncertainties that could affect our financial results, business goals and operational and

financial objectives cited in this release, other releases, public statements and/or filings with the SEC is also contained in the “Risk Factors” sections of the Company’s Forms 10-K and 10-Q and in our current reports on Form 8-K we file with the SEC. We strongly recommend readers review those disclosures in conjunction with the discussions herein.

All future written and oral forward-looking statements attributable to the Company or any person acting on its behalf are expressly qualified in their entirety by the cautionary statements contained or referred to above. New risks and uncertainties arise from time to time, and factors that the Company currently deems immaterial may become material, and it is impossible for the Company to predict these events or how they may affect the Company.

#### ADDITIONAL INFORMATION AND WHERE TO FIND IT
IN CONNECTION WITH THE MERGER BETWEEN HOMESTREET BANK AND MECHANICS BANK, HOMESTREET FILED WITH THE SEC THE REGISTRATION STATEMENT, WHICH INCLUDED A PRELIMINARY PROXY STATEMENT/PROSPECTUS/CONSENT SOLICITATION, AS WELL AS OTHER RELEVANT DOCUMENTS CONCERNING THE PROPOSED TRANSACTION. THE SEC DECLARED THE REGISTRATION STATEMENT EFFECTIVE ON JULY 16, 2025. HOMESTREET FILED A DEFINITIVE PROXY STATEMENT/PROSPECTUS/CONSENT SOLICITATION ON JULY 16, 2025. HOMESTREET COMMENCED MAILING THE DEFINITIVE PROXY STATEMENT/PROSPECTUS/CONSENT SOLICITATION TO HOMESTREET SHARE