Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 13

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 13
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 refers to the restated articles of incorporation of Mechanics; |

| • | “Mechanics common stock” refers to the Mechanics voting common stock and Mechanics non-voting common stock, collectively; |

| • | “Mechanics non-voting common stock” refers to the common stock, par value $50 per share, of Mechanics designated as non-voting common stock; |

| • | “Mechanics shareholders” refers to holders of shares of Mechanics common stock prior to the effective time; |

| • | “Mechanics voting common stock” refers to the common stock, par value $50 per share, of Mechanics designated as voting common stock; |

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| • | “merger” refers to the merger of HomeStreet Bank with and into Mechanics, with Mechanics surviving the merger as a wholly owned subsidiary of the combined company; |

| • | “Nasdaq” refers to the Nasdaq Stock market, the exchange on which HomeStreet common stock is currently traded under the symbol “HMST”; |

| • | “NYSE” refers to the New York Stock Exchange; |

| • | “Rabobank” refers to Rabobank International Holding B.V., a shareholder of Mechanics; |

| • | “share issuance” refers to the issuance of new HomeStreet common stock required in connection with the merger; |

| • | “surviving bank” refers to Mechanics after the effective time; and |

| • | The terms “we,” “our” and “us” refer to Mechanics and HomeStreet collectively, unless otherwise indicated or as the context requires. |

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### IMPLICATIONS OF BEING A SMALLER REPORTING COMPANY
HomeStreet is expected to qualify as a “smaller reporting company” as defined in Item 10(f)(1) of Regulation S-K. Smaller reporting companies may take advantage of certain reduced disclosure obligations, including, among other things, providing only two (2) years of audited financial statements. HomeStreet will remain a smaller reporting company until the last day of the fiscal year in which (i) the market value of HomeStreet common stock held by non-affiliates exceeds $250 million as of the end of that year’s second fiscal quarter or (ii) (A) HomeStreet’s annual revenues equaled or exceeded $100 million during such completed fiscal year or (B) the market value of HomeStreet’s common stock held by non-affiliates equals or exceeds $700 million