Company: MCHB
Filing Date: 2025-11-17
Form Type: 10-Q
Source: 0001518715-25-000181
Chunk: 14

Company: Mechanics Bancorp
Filing Date: 2025-11-17
Form: 10-Q
Item: Part I, Item 2
Chunk 14
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 not be relied upon as a prediction of actual results. 

We caution readers that actual results may differ materially from those expressed in or implied by the Company’s forward-

looking statements. Other important factors could affect the Company’s future results from those expressed or implied in 

any forward-looking statements include, but are not limited to: 

•the ability to achieve expected cost savings, synergies and other financial benefits from the Merger within the 

expected time frames and costs or difficulties relating to integration matters being greater than expected; 

•the diversion of management time from core banking functions due to integration-related matters; 

•changes in the interest rate environment and in expectation of reduction in short-term interest rates; 

•changes in the U.S. and global economies, including business disruptions, reductions in employment, inflationary 

pressures and an increase in business failures, specifically among our customers, and global trade disputes, 

including the imposition of tariffs by the U.S. and countermeasures by foreign governments; 

•our ability to control operating costs and expenses; 

•our ability to attract and retain key members of our senior management team; 

•changes in deposit flows, loan demand or real estate values may adversely affect our business; 

•increases in competitive pressure among financial institutions or from non-financial institutions; 

•our ability to obtain regulatory approvals or non-objection to take various capital actions, including the payment 

of dividends by us or the Bank; 

•our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses and 

impact the adequacy of our allowance for credit losses; 

•changes in accounting principles, policies or guidelines may cause our financial condition to be perceived or 

interpreted differently; 

•legislative or regulatory changes that may adversely affect our business or financial condition, including, without 

limitation, changes in corporate and/or individual income tax laws and policies, changes in privacy laws, and 

changes in regulatory capital or other rules, and the availability of resources to address or respond to such 

changes; 

•general economic conditions, either nationally or locally in some or all areas in which we conduct business, or 

conditions in the securities markets or banking industry; 

•technological changes may be more difficult or more expensive than what we anticipate;