Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 266

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 266
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 the FDIC occurred on April 25, 2025.

### California Department of Financial Protection and Innovation
The merger is subject to the prior approval of the CDFPI pursuant to section 4880 et seq. of the California Financial Code (the “CFC”). In evaluating an application filed pursuant to section 4880 et seq. of the CFC, the CDFPI generally considers: (1) the competitive impact of the proposed merger, (2) the financial and managerial resources of the surviving depository institution and the future prospects of the surviving depository institution, and (3) the fairness of the terms of the proposed merger, which may be determined by existence of an arms’-length agreement between the disappearing depository institution and the surviving depository institution.

The initial submission of the application to the CDFPI occurred on April 25, 2025.

### Washington Department of Financial Institutions
A joint holding company application is required under Washington Administrative Code Sections 208-548-010 and 208-548-020. Mechanics is also required to file a notice to the Washington Department of Financial Institutions pursuant to section 30A.49.125 of the Revised Code of Washington, indicating that Mechanics filed an application with the FDIC to acquire HomeStreet Bank by merger.

The initial submission of the combined application and notice to the WDFI occurred on April 25, 2025.

#### Public Notice and Comments
The BHC Act, the Bank Merger Act, Federal Reserve Board and FDIC regulations require published notice of, and the opportunity for public comment on, the applications to the Federal Reserve Board and the FDIC. These agencies take into account the views of third-party commenters, particularly on the subject of the merging parties’ CRA performance and record of service to their communities. These agencies are also authorized to hold one or more public hearings or meetings if these agencies determine that such hearings or meetings would be appropriate. The receipt of written comments or any public meeting or hearing could prolong the period during which the application is under review by these agencies.

#### Additional Regulatory Approvals and Notices
Additional notifications and/or applications requesting approval may be submitted to various other federal, state and non-U.S. regulatory authorities and self-regulatory organizations, including, but not limited to, notifications and/or

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#### TABLE OF CONTENTS
applications to certain state financial services and banking regulators with respect to Mechanics maintaining the existing HomeStreet Bank offices in those states. The initial submission of the notice