Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 64

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 64
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 and future growth. If HomeStreet and Mechanics are not able to successfully achieve these objectives, the anticipated benefits of the merger may not be realized fully or at all or may take longer to realize than expected. In addition, the actual cost savings of the merger could be less than anticipated, and integration may result in additional and unforeseen expenses.

An inability to realize the full extent of the anticipated benefits of the merger and the other transactions contemplated by the merger agreement, as well as any delays encountered in the integration process, could have an adverse effect upon the revenues, levels of expenses and operating results of the combined company following the completion of the merger, which may adversely affect the value of the common stock of the combined company following the completion of the merger.

HomeStreet and Mechanics have operated and, until the effective time, must continue to operate, independently. It is possible that the integration process could result in the loss of key employees, the disruption of each company’s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. Integration efforts between the companies may also divert management attention and resources. These integration matters could have an adverse effect on each of HomeStreet and Mechanics during this transition period and for an undetermined period after completion of the merger on the combined company.

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**The future results of the combined company following the completion of the merger may suffer if the combined company does not effectively manage its expanded operations.**

Following the merger, the size of the business of the combined company will increase beyond the current size of either HomeStreet’s or Mechanics’ business, respectively. The combined company’s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. The combined company may also face increased scrutiny from governmental entities as a result of the increased size of its business. There can be no assurances that the combined company will be successful or that it will realize the expected operating efficiencies, revenue enhancement or other benefits currently anticipated from the merger.

**The combined company may be unable to retain HomeStreet or Mechanics personnel successfully prior to integration and after the completion of the merger.**

The success of the merger will depend in part on the combined company’s ability to retain the talent and dedication of key employees currently