Company: MCHB
Filing Date: 2025-11-17
Form Type: 10-Q
Source: 0001518715-25-000181
Chunk: 13

Company: Mechanics Bancorp
Filing Date: 2025-11-17
Form: 10-Q
Item: Part I, Item 2
Chunk 13
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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF 

OPERATIONS

You should read the following discussion and analysis of our financial condition and results of operations together with 

our unaudited consolidated financial statements and related notes appearing elsewhere in this Quarterly Report. This 

Quarterly Report contains forward-looking statements that involve risks and uncertainties, including those described in the 

section entitled “Cautionary Note Regarding Forward Looking Statements.” There are a number of important risks and 

uncertainties that could cause our actual results to differ materially from those discussed in these forward-looking 

statements. We may not actually achieve the plans, intentions or expectations disclosed in our forward-looking statements, 

and you should not place undue reliance on our forward-looking statements. Actual results or events could differ 

materially from the plans, intentions and expectations disclosed in the forward-looking statements we make. Factors that 

could cause or contribute to such differences include, but are not limited to, those identified below and those discussed in 

the section entitled “Risk Factors” under Part II, Item 1A of this Quarterly Report, and those discussed in our other 

disclosures and filings.

FORWARD-LOOKING STATEMENTS

This Quarterly Report on Form 10-Q, including information incorporated by reference herein, contains, and future oral and 

written statements of the Company and its management may contain, forward-looking statements within the meaning of the 

Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934, as amended. All 

statements, other than statements of historical fact, contained or incorporated by reference in this Quarterly Report, 

including statements regarding our plans, objectives, expectations, strategies, beliefs, or future performance or events, are 

forward-looking statements. Generally, forward-looking statements include the words “anticipate,” “believe,” “could,” 

“estimate,” “expect,” “intend,” “look,” “may,” “optimistic,” “plan,” “potential,” “projection,” “should,” “will,” and 

“would” and similar expressions (or the negative of these terms), although not all forward-looking statements contain these 

identifying words. These statements are subject to known and unknown risks, uncertainties, assumptions, estimates, and 

other important factors that change over time, many of which may be beyond our control. Our future performance and 

actual results may differ materially from those expressed or implied in such forward-looking statements. Forward-looking 

statements should