Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 232

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 232
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 HomeStreet |     | 75th               
 Percentile         |     | Average |     | Median |     | 25th       
 Percentile |
| MRQ Core Return on Average Assets(1)                 |     | -0.21%)(3  |     | 1.36%              |     | 1.25%   |     | 1.23%  |     | 0.99%      |
| MRQ Core Return on Average Tangible Common Equity(1) |     | -3.63%)(3  |     | 14.42%             |     | 12.36%  |     | 12.86% |     | 10.56%     |
| MRQ Net Interest Margin                              |     | 1.38%      |     | 4.00%              |     | 3.68%   |     | 3.76%  |     | 3.37%      |
| MRQ Fee Income / Revenue(2)                          |     | 26.5%      |     | 17.3%              |     | 15.0%   |     | 16.1%  |     | 13.9%      |
| MRQ Non Interest Expense / Average Assets            |     | 2.07%      |     | 2.19%              |     | 2.37%   |     | 2.40%  |     | 2.50%      |
| MRQ Efficiency Ratio                                 |     | 112.2%     |     | 57.3%              |     | 57.6%   |     | 61.4%  |     | 63.1%      |

| (1) | 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. |

| (3) | Excludes deferred tax valuation allowance and loss on sale of multifamily loans. |

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

|                                          |     |            |     | Selected Companies |     |         |     |        |     |            |
|                                          |     | HomeStreet |     | 75th