Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 158

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 158
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 |     | 1.78%    |     |  1,115,389 |     | 1.78%    |
| Commercial                                       |     |                 — |     | —%       |     |                — |     | —%       |     |            310,912 |     | 1.79%    |     |                   — |     | —%       |     |    310,912 |     | 1.79%    |
| Obligations of states and political subdivisions |     |             3,000 |     | —%       |     |            3,409 |     | 4.26%    |     |              3,534 |     | 4.08%    |     |               4,250 |     | 6.48%    |     |     14,193 |     | 3.98%    |
| Total HTM Investment securities                  |     |             3,000 |     | —%       |     |            3,409 |     | 0.14%    |     |            314,525 |     | 2.22%    |     |           1,119,560 |     | 1.80%    |     |  1,440,494 |     | 1.80%    |
| Total investment securities                      |     |           $16,301 |     | 2.62%    |     |         $101,710 |     | 3.72%    |     |           $548,674 |     | 2.27%    |     |          $3,839,060 |     | 4.20%    |     | $4,505,745 |     | 3.94%    |

| (1) | Weighted-average yields are calculated based on the contractual coupon, including amortization of premiums and accretion of discounts, weighted by amortized cost. |

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TABLE OF CONTENTS

Loans The following table details the composition of our LHFI portfolio by loan type:

|                                 |     | December 31, |     |             |
| (in thousands)                  |     |         2024 |     |        2023 |
| Commercial & Industrial         |     |     $410,040 |     |    $536,435 |
| Commercial Real Estate          |     |              |     |             |
|