Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 60

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 60
---
 dividends per share of 
      Mechanics common stock |
| 2025           |     |                             |     |                             |
| First Quarter  |     |                           — |     |                           — |
| 2024           |     |                             |     |                             |
| Fourth Quarter |     |                           — |     |                           — |
| Third Quarter  |     |                           — |     |                        $467 |
| Second Quarter |     |                           — |     |                           — |
| First Quarter  |     |                           — |     |                      $1,012 |
| 2023           |     |                             |     |                             |
| Fourth Quarter |     |                       $0.10 |     |                           — |
| Third Quarter  |     |                       $0.10 |     |                        $713 |
| Second Quarter |     |                       $0.10 |     |                           — |
| First Quarter  |     |                       $0.35 |     |                        $935 |

28

#### TABLE OF CONTENTS

### RISK FACTORS
An investment by Mechanics’ shareholders in HomeStreet common stock as a result of the exchange of shares of Mechanics common stock for shares of HomeStreet common stock in merger involves certain risks. Similarly, a decision on the part of HomeStreet shareholders to approve the HomeStreet articles amendment and the HomeStreet share issuance also involves risks for HomeStreet shareholders, who will continue to hold their shares of HomeStreet common stock after the merger. Certain material risks and uncertainties connected with the merger agreement and transactions contemplated thereby, including the merger, and ownership of HomeStreet common stock are discussed below. In addition, HomeStreet has discussed certain other material risks connected with the ownership of HomeStreet common stock and with HomeStreet’s business under the caption “Risk Factors” appearing in HomeStreet’s Annual Report on Form 10-K most recently filed with the SEC, and may include additional or updated disclosures of such material risks in its subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K that HomeStreet has filed with the SEC or may file with the SEC after the date of this proxy statement/prospectus/consent solicitation statement.

Mechanics shareholders and HomeStreet shareholders should carefully read and consider all of these risks and all other information contained in this proxy statement/prospectus/consent solicitation statement, including the discussions of risk factors included in the documents incorporated by reference in this proxy statement/prospectus/consent solicitation statement. HomeStreet shareholders and Mechanics shareholders should consider