Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 33

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 33
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13

#### TABLE OF CONTENTS

### SUMMARY
This summary highlights selected information in this proxy statement/prospectus/consent solicitation statement and may not contain all of the information that is important to you. You should carefully read this entire proxy statement/prospectus/consent solicitation statement and its annexes and the other documents referred to in this proxy statement/prospectus/consent solicitation statement because the information in this section does not provide all the information that might be important to you with respect to the merger agreement, the merger and the other matters being considered at the HomeStreet special meeting or to be acted on in the Mechanics consent solicitation. You may obtain the information incorporated by reference into this proxy statement/prospectus/consent solicitation statement without charge by following the instructions in the section entitled “Where You Can Find More Information.”

#### Information about the Companies (page80)

#### HomeStreet and HomeStreet Bank

#### 601 Union Street, Suite 2000

#### Seattle, Washington 98101
(206) 623-3050

HomeStreet, Inc. (Nasdaq: HMST), a State of Washington corporation organized in 1921 and headquartered in Seattle, Washington, is a Washington-based diversified financial services holding company whose operations are primarily conducted through its wholly owned subsidiaries HomeStreet Statutory Trusts and HomeStreet Bank. HomeStreet Bank, which was incorporated in the State of Washington in 1986, has 56 branches and three (3) stand-alone lending offices in Washington, Oregon, California, Hawaii, Utah and Idaho serving customers throughout the western United States. HomeStreet Bank is engaged in commercial banking, consumer banking, and real estate lending, including construction and permanent loans on commercial real estate and single family residences. HomeStreet Bank also offers deposit products and services, including personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit and treasury management products and services.

As a bank holding company, HomeStreet, Inc. is subject to supervision, regulation and examination by the Federal Reserve under the BHC Act. As a state-chartered non-member commercial bank, HomeStreet Bank is subject to supervision, regulation and examination by the State of Washington Department of Financial Institutions and the FDIC.

HomeStreet, Inc. depends on dividends, distributions and other payments from its subsidiaries to meet HomeStreet, Inc.’s obligations. Because of various regulatory considerations and restrictions, HomeStreet Bank’s profitability affects the amount of dividends that Home