Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 331

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 331
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 OF CONTENTS
Statements contained in this proxy statement/prospectus/consent solicitation statement as to the contents of any contract or other documents referred to in this proxy statement/prospectus/consent solicitation statement are not necessarily complete. In each case, you should refer to the copy of the applicable contract or other document filed as an exhibit to the registration statement.

This document does not constitute an offer to sell, or a solicitation of offers to purchase, the securities offered by this document, or the solicitation of a proxy, in any jurisdiction to or from any person to whom or from whom it is unlawful to make such offer, solicitation of an offer or proxy solicitation in such jurisdiction. Neither the delivery of this document nor any distribution of securities pursuant to this document shall, under any circumstances, create any implication that there has been no change in the information set forth or incorporated into this document by reference or in HomeStreet’s or Mechanics’ affairs since the date of this document. HomeStreet provided the information contained in this document with respect to HomeStreet and HomeStreet Bank and Mechanics provided the information contained in this document with respect to Mechanics.

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TABLE OF CONTENTS

FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA INDEX TO FINANCIAL STATEMENTS MECHANICS BANK

| Consolidated Financial Statements for the years ended December 31, 2024, December 31, 2023 and December 31, 2022 |     | Page |
|:-----------------------------------------------------------------------------------------------------------------|:----|:-----|
| Report of Independent Registered Accounting Firm                                                                 |     | F-2  |
| Consolidated Balance Sheets                                                                                      |     | F-4  |
| Consolidated Income Statements                                                                                   |     | F-5  |
| Consolidated Statements of Comprehensive Income                                                                  |     | F-6  |
| Consolidated Statements of Changes in Shareholders’ Equity                                                       |     | F-7  |
| Consolidated Statements of Cash Flows                                                                            |     | F-8  |
| Notes to Consolidated Financial Statements                                                                       |     | F-10 |

| Consolidated Financial Statements for the quarters ended March 31, 2025 and 2024   
 Consolidated Balance Sheets as of March 31, 2025 and December 31, 2024 (Unaudited) |     | Page 
 F-50 |
|:-----------------------------------------------------------------------------------|:----|:-----|
| Consolidated Income Statements (Unaudited)                                         |