Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 62

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 62
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 and changes in regulatory factors and tax laws, many of which are beyond HomeStreet’s and Mechanics’ control. Therefore, at the time of the HomeStreet special meeting and the time Mechanics shareholders deliver their written consents, HomeStreet shareholders and Mechanics shareholders will not know the market value of the merger consideration that Mechanics shareholders will receive at the effective time or the value of the stock that HomeStreet shareholders will retain. You should obtain current market quotations for shares of HomeStreet common stock (Nasdaq: HMST). Mechanics is a private company and there is no established public trading market for Mechanics common stock. Any over-the-counter market quotations of Mechanics common stock reflect inter-dealer prices, without retail mark-up, mark-down or commission and may not necessarily represent actual transactions.

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#### TABLE OF CONTENTS
**Events impacting the financial services industry may adversely affect the businesses of HomeStreet, Mechanics and the combined company, the ability of the parties to obtain the requisite regulatory approvals and the market price of HomeStreet common stock.**

Negative developments and events in the financial services industry, including the large-scale deposit withdrawals over a short period of time at Silicon Valley Bank, Signature Bank, First Republic Bank and Republic First Bank that resulted in the failure of those institutions, may continue to result in decreased confidence in banks among depositors, other counterparties and investors, as well as significant disruption, volatility and reduced valuations of equity and other securities of banks in the capital markets. These previous events occurred against the backdrop of a rising interest rate environment which, among other things, has resulted in unrealized losses in longer duration securities and loans held by banks and more competition for bank deposits. Enhanced regulatory oversight for financial institutions stemming from these events, or the occurrence of similar events in the future, could result in conditions that make it more challenging for institutions to obtain regulatory approvals on terms and conditions satisfactory to all parties. These events and developments could materially and adversely impact the business or financial condition of each of HomeStreet, Mechanics and the combined company following completion of the merger, including through potential liquidity pressures, reduced net interest margins and potential increased credit losses. These events and developments have had, and could continue to have, an adverse impact on the market price and result in increased volatility of the price of HomeStreet common stock. These events, or the occurrence of similar events in the future, may make it more difficult for HomeStreet and Mechanics to obtain the requisite regulatory approvals required to consummate the merger, or also result in changes to laws or