Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 108

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 108
---
 instability in the credit markets, disruptions in each party’s customers’ supply chains or disruption in transportation; |

| • | other actions of the Federal Reserve and legislative and regulatory actions and reforms; |

| • | reputational risk and potential adverse reactions of Mechanics’, HomeStreet’s or HomeStreet Bank’s customers, employees or other business partners, including those resulting from the announcement or completion of the Transaction; |

| • | the dilution caused by HomeStreet’s issuance of additional shares of its capital stock in connection with the Transaction; |

| • | increased capital requirements, other regulatory requirements or enhanced regulatory supervision; |

| • | certain restrictions under the merger agreement prior to the effective time that may impact the parties’ ability to pursue certain business opportunities or strategic transactions; and |

| • | the diversion of management’s attention and time from ongoing business operations and opportunities on Transaction-related matters. |

55

#### TABLE OF CONTENTS
These factors are not necessarily all of the factors that could cause Mechanics’, HomeStreet’s, HomeStreet Bank’s or the combined company’s actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other factors, including unknown or unpredictable factors, also could significantly harm Mechanics’, HomeStreet’s, HomeStreet Bank’s or the combined company’s results.

For additional information about factors that could cause actual results to differ materially from those described in the forward-looking statements, please see the reports that HomeStreet has filed with the SEC as described under the section entitled “ Where You Can Find More Information .”

HomeStreet and Mechanics expressly qualify in their entirety all forward-looking statements attributable to either of them or any person acting on their behalf by the cautionary statements contained in, referred to, or incorporated in this proxy statement/prospectus/consent solicitation statement.

<div align='center'>56</div>

TABLE OF CONTENTS

THE HOMESTREET SPECIAL MEETING This section contains information for HomeStreet shareholders about the special meeting that HomeStreet has called to allow HomeStreet shareholders to consider and vote on the HomeStreet articles amendment proposal, the HomeStreet share issuance proposal, the HomeStreet new equity incentive plan proposal, the HomeStreet merger-related compensation proposal and the HomeStreet adjournment proposal. This proxy statement/prospectus/consent solicitation statement is accompanied by a notice of the HomeStreet special meeting, and a form of proxy card that the HomeStreet board of directors is soliciting for use by HomeStreet shareholders at the special meeting and at any adjournments