Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 147

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 147
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Street Bank, which was incorporated in the State of Washington in 1986, has 56 branches and three stand-alone lending offices in Washington, Oregon, California, Hawaii, Utah and Idaho serving customers throughout the western United States. HomeStreet Bank is engaged in commercial banking, consumer banking, and real estate lending, including construction and permanent loans on commercial real estate and single family residences. HomeStreet Bank also offers deposit products and services, including personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit and treasury management products and services.

As a bank holding company, HomeStreet, Inc. is subject to supervision, regulation and examination by the Federal Reserve under the BHC Act. As a state-chartered non-member commercial bank, HomeStreet Bank is subject to supervision, regulation and examination by the State of Washington Department of Financial Institutions and the FDIC.

HomeStreet, Inc. depends on dividends, distributions and other payments from its subsidiaries to meet HomeStreet, Inc.’s obligations. Because of regulatory considerations and restrictions, HomeStreet Bank’s profitability affects the amount of dividends that HomeStreet Bank may pay to HomeStreet, Inc.

As of March 31, 2025, HomeStreet Inc. had consolidated total assets of $7.8 billion, total loans of $6.1 billion, total deposits of $6.1 billion and total shareholders’ equity of $401 million.

For more information about HomeStreet, please visit https://www.homestreet.com. The information provided on HomeStreet’s website (other than the documents incorporated by reference herein) is not part of this proxy statement/prospectus/consent solicitation statement and is not incorporated herein by reference. Additional information about HomeStreet is included in documents incorporated by reference in this proxy statement/prospectus/consent solicitation statement.

#### Mechanics Bank

#### 1111 Civic Drive

#### Walnut Creek, CA 94596
(925) 482-8000

General

Mechanics is a privately-owned California state-chartered nonmember bank with its headquarters and main office in Walnut Creek, California. Founded in 1905, Mechanics is an independent, full-service community bank. As of March 31, 2025, Mechanics had total assets of $16.5 billion, total loans of $9.4 billion and total deposits of $14.0 billion. In addition to its main office, Mechanics operates 112 branch locations through California, including locations in Greater San Francisco, Sacramento