Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 457

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 457
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 make the statements therein, in light of the circumstances in which they are made, not misleading. The S-4 (except for such portions thereof that relate only to Company or any of its Subsidiaries) will comply in all material respects with the applicable provisions of the Securities Act and the Exchange Act and the rules and regulations thereunder.

4.23

#### Loan Portfolio.
(a) As of the date of this Agreement, except as set forth in Section 4.23(a) of the Parent Disclosure Schedule, neither Parent nor any of its Subsidiaries is a party to any Loans in which Parent or any Parent Subsidiary is a creditor that, as of December 31, 2024, had an outstanding balance of $1,000,000 or more and under the terms of which the obligor was, as of December 31, 2024, over ninety (90) days or more delinquent in payment of principal or interest. Set forth in Section 4.23(a) of the Parent Disclosure Schedule is a true, correct and complete list of (A) all the Loans of Parent and its Subsidiaries that, as of December 31, 2024, had an outstanding balance of $1,000,000 or more and were classified by Parent as “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” or words of similar import, together with the principal amount of each such Loan and (B) each asset of Parent or any of its Subsidiaries that, as of December 31, 2024, is classified as “Other Real Estate Owned” and the book value thereof.

<div align='center'>A-34</div>

#### TABLE OF CONTENTS
(b) Except as would not reasonably be expected to have a Material Adverse Effect on the Parent Parties, each Loan of Parent or any of its Subsidiaries (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent carried on the books and records of Parent and its Subsidiaries as secured Loans, has been secured by valid charges, mortgages, pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected and (iii) is the legal, valid and binding obligation of the obligor named therein, enforceable