Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 66

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 66
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#### TABLE OF CONTENTS
**The future results of the combined company following the completion of the merger may suffer if the combined company does not effectively manage its expanded operations.**

Following the merger, the size of the business of the combined company will increase beyond the current size of either HomeStreet’s or Mechanics’ business, respectively. The combined company’s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. The combined company may also face increased scrutiny from governmental entities as a result of the increased size of its business. There can be no assurances that the combined company will be successful or that it will realize the expected operating efficiencies, revenue enhancement or other benefits currently anticipated from the merger.

**The combined company may be unable to retain HomeStreet or Mechanics personnel successfully prior to integration and after the completion of the merger.**

The success of the merger will depend in part on the combined company’s ability to retain the talent and dedication of key employees currently employed by HomeStreet and Mechanics. It is possible that these employees may decide not to remain with HomeStreet or Mechanics, as applicable, while the merger is pending or with the combined company after the completion of the merger. If HomeStreet and Mechanics are unable to retain key employees who are critical to the successful integration and future operations of the companies, HomeStreet and Mechanics could face disruptions in their operations, loss of existing customers, loss of key information, expertise or know-how and unanticipated additional recruitment costs. In addition, following the completion of the merger, if key employees terminate their employment, the combined company’s business activities may be adversely affected, and management’s attention may be diverted from successfully hiring suitable replacements, all of which may cause the combined company’s business to suffer. HomeStreet and Mechanics also may not be able to locate or retain suitable replacements for any key employees who leave either company.

**Regulatory approvals may not be received, may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on the combined company following the merger.**

Before the merger may be completed, various approvals, consents and non-objections must be obtained, including from the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”), the FDIC, the CDFPI and the Washington State Department of Financial Institutions, Division of Banks (the “WDF