Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 224

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 224
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%      |
| MRQ Core Return on Average Tangible Common Equity(1) |     | 15.19%    |     | 14.40%             |     | 12.63%  |     | 12.86% |     | 10.49%     |
| MRQ Net Interest Margin                              |     | 3.39%     |     | 3.76%              |     | 3.24%   |     | 3.18%  |     | 3.02%      |
| MRQ Fee Income / Revenue(2)                          |     | 12.3%     |     | 17.3%              |     | 17.0%   |     | 16.1%  |     | 13.8%      |
| MRQ Non Interest Expense / Average Assets            |     | 2.04%     |     | 2.02%              |     | 2.14%   |     | 2.14%  |     | 2.46%      |
| MRQ Efficiency Ratio                                 |     | 55.4%     |     | 57.6%              |     | 59.0%   |     | 60.3%  |     | 61.1%      |

| (1) | Based on core net income after taxes and before extraordinary items, excluding gain on the sale of available for sale securities, amortization of intangibles, goodwill and nonrecurring items as defined by S&P Global. |

| (2) | Excludes gain/(loss) on sale of securities. |

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KBW’s analysis also showed the following concerning the financial condition of Mechanics and the selected companies:

|                                                                 |     |           |     | Selected Companies |     |         |     |        |     |            |
|                                                                 |     | Mechanics |     | 75th               
 Percentile         |     | Average |     | Median |     | 25th       
 Percentile |
| Tangible Common Equity / Tangible Assets                        |     | 9.09%     |     | 9.81%              |     | 8.71%   |     | 8.83%  |     | 7.55%      |
| Total Capital Ratio                                             |     | 17.14%    |     | 15.71%             |     |