Company: MCHB
Filing Date: 2025-03-31
Form Type: 425
Source: 0001518715-25-000032
Chunk: 1

Company: Mechanics Bancorp
Filing Date: 2025-03-31
Form: 425
Chunk 1
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 by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 12(a) of the Exchange Act. |

| Item 7.01 |     | Regulation FD Disclosure |

An investor presentation related to the transaction described in Item 8.01 is furnished as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

The information provided pursuant to this Item 7.01 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any filing or other document filed by HomeStreet, Inc. pursuant to the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document. The information provided pursuant to this Item 7.01 shall instead be deemed “furnished.”

| Item 8.01 |     | Other Events |

On March 31, 2025, HomeStreet, Inc. (“HomeStreet”) and Mechanics Bank (“Mechanics Bank”) issued a joint press release announcing the execution of an Agreement and Plan of Merger (the “Merger Agreement”), dated as of March 28, 2025, by and among HomeStreet, HomeStreet Bank and Mechanics Bank, pursuant to which, upon the terms and subject to the conditions set forth therein, HomeStreet Bank will merge with and into Mechanics Bank, and Mechanics Bank will become a wholly-owned subsidiary of HomeStreet.

The transaction is expected to close in the third quarter of 2025, subject to the receipt of regulatory approvals, the approval of HomeStreet’s and Mechanics Bank’s shareholders and the satisfaction of customary closing conditions.

A copy of the joint press release issued by HomeStreet and Mechanics Bank is filed as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated by reference herein.

Cautionary Note Regarding Forward Looking Statements

When used in this Current Report on Form 8-K and in other documents filed with or furnished to the U.S. Securities and Exchange Commission (the “SEC”), in press releases or other public shareholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,”