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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n____________________________ \n\nFORM 10-Q\n\n____________________________\n\n☒\nQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the quarterly period ended March 31, 2026\n\nOR\n\n☐\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the transition period from              to             \n\nCommission file number: 001-35424\n\n________________________________ \n\nMECHANICS BANCORP\n\n________________________________\n\n(Exact Name of Registrant as Specified in its Charter)\n\nWashington91-0186600\n\n(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)\n\n1111 Civic Drive, Suite 390\n\nWalnut Creek, California\n94596\n\n(Address of principal executive offices)(Zip Code)\n\n(925) 482-8000\n\n(Registrant's Telephone Number, Including Area Code)\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of each classTrading Symbol(s)Name of each exchange on which registered\n\nClass A Common StockMCHBNasdaq Global Select Market\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes  ☒    No  ☐\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes  ☒   No  ☐\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer☐Accelerated filer☒\n\nNon-accelerated filer☐Smaller reporting company☒\n\nEmerging growth company☐\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes  ☐    No  ☒\n\nAs of May 4, 2026, there were 220,286,632 shares of Class A common stock outstanding and 1,114,448 shares of Class B common stock outstanding.\n\nTable of Contents\n\nPage\n\n[PART I – FINANCIAL INFORMATION](#i55e313468840431690d843415435c4ae_49)\n\n[4](#i55e313468840431690d843415435c4ae_13)\n\n[ITEM 1.](#i55e313468840431690d843415435c4ae_109)\n\n[FINANCIAL STATEMENTS](#i55e313468840431690d843415435c4ae_109)\n\n[5](#i55e313468840431690d843415435c4ae_109)\n\n[Consolidated Balance Sheets at March 31, 2026 and December 31, 2025 (Unaudited)](#i55e313468840431690d843415435c4ae_115)\n\n[5](#i55e313468840431690d843415435c4ae_115)\n\n[Consolidated Income Statements for the Quarter](#i55e313468840431690d843415435c4ae_118)[s](#i55e313468840431690d843415435c4ae_118)[Ended](#i55e313468840431690d843415435c4ae_118)[March 31](#i55e313468840431690d843415435c4ae_118)[, 202](#i55e313468840431690d843415435c4ae_118)[6](#i55e313468840431690d843415435c4ae_118)[and 202](#i55e313468840431690d843415435c4ae_118)[5](#i55e313468840431690d843415435c4ae_118)[(Unaudited)](#i55e313468840431690d843415435c4ae_118)\n\n[6](#i55e313468840431690d843415435c4ae_118)\n\n[Consolidated Statements of Comprehensive Income (Loss) for the Quarters](#i55e313468840431690d843415435c4ae_121)[Ended](#i55e313468840431690d843415435c4ae_121)[M](#i55e313468840431690d843415435c4ae_121)[arch 31](#i55e313468840431690d843415435c4ae_121)[, 202](#i55e313468840431690d843415435c4ae_121)[6](#i55e313468840431690d843415435c4ae_121)[and 202](#i55e313468840431690d843415435c4ae_121)[5](#i55e313468840431690d843415435c4ae_121)[(Unaudited)](#i55e313468840431690d843415435c4ae_121)\n\n[7](#i55e313468840431690d843415435c4ae_121)\n\n[Consolidated Statements of Changes in Shareholders’ Equity for the Quarters](#i55e313468840431690d843415435c4ae_124)[Ended](#i55e313468840431690d843415435c4ae_124)[March 31](#i55e313468840431690d843415435c4ae_124)[, 202](#i55e313468840431690d843415435c4ae_124)[6](#i55e313468840431690d843415435c4ae_124)[and 202](#i55e313468840431690d843415435c4ae_124)[5](#i55e313468840431690d843415435c4ae_124)[(Unaudited)](#i55e313468840431690d843415435c4ae_124)\n\n[8](#i55e313468840431690d843415435c4ae_124)\n\n[Consolidated Statements of Cash Flows for the](#i55e313468840431690d843415435c4ae_127)[Quarter](#i55e313468840431690d843415435c4ae_127)[s](#i55e313468840431690d843415435c4ae_127)[Ended](#i55e313468840431690d843415435c4ae_127)[March 31](#i55e313468840431690d843415435c4ae_127)[, 202](#i55e313468840431690d843415435c4ae_127)[6](#i55e313468840431690d843415435c4ae_127)[and 202](#i55e313468840431690d843415435c4ae_127)[5](#i55e313468840431690d843415435c4ae_127)[(Unaudited)](#i55e313468840431690d843415435c4ae_127)\n\n[9](#i55e313468840431690d843415435c4ae_127)\n\n[Notes to Consolidated Financial Statements (Unaudited)](#i55e313468840431690d843415435c4ae_130)\n\n[11](#i55e313468840431690d843415435c4ae_130)\n\n[ITEM 2.](#i55e313468840431690d843415435c4ae_58)\n\n[MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS](#i55e313468840431690d843415435c4ae_58)\n\n[51](#i55e313468840431690d843415435c4ae_58)\n\n[ITEM 3.](#i55e313468840431690d843415435c4ae_106)\n\n[QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK](#i55e313468840431690d843415435c4ae_106)\n\n[72](#i55e313468840431690d843415435c4ae_106)\n\n[ITEM 4.](#i55e313468840431690d843415435c4ae_235)\n\n[CONTROLS AND PROCEDURES](#i55e313468840431690d843415435c4ae_235)\n\n[75](#i55e313468840431690d843415435c4ae_235)\n\n[PART II – OTHER INFORMATION](#i55e313468840431690d843415435c4ae_19)\n\n[75](#i55e313468840431690d843415435c4ae_19)\n\n[ITEM 1.](#i55e313468840431690d843415435c4ae_43)\n\n[LEGAL PROCEEDINGS](#i55e313468840431690d843415435c4ae_43)\n\n[75](#i55e313468840431690d843415435c4ae_43)\n\n[ITEM 1A.](#i55e313468840431690d843415435c4ae_31)\n\n[RISK FACTORS](#i55e313468840431690d843415435c4ae_31)\n\n[75](#i55e313468840431690d843415435c4ae_31)\n\n[ITEM 2.](#i55e313468840431690d843415435c4ae_34)\n\n[UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS](#i55e313468840431690d843415435c4ae_34)\n\n[75](#i55e313468840431690d843415435c4ae_34)\n\n[ITEM 3.](#i55e313468840431690d843415435c4ae_1636)\n\n[DEFAULTS UPON SENIOR SECURITIES](#i55e313468840431690d843415435c4ae_1636)\n\n[75](#i55e313468840431690d843415435c4ae_1636)\n\n[ITEM 4.](#i55e313468840431690d843415435c4ae_46)\n\n[MINE SAFETY DISCLOSURES](#i55e313468840431690d843415435c4ae_46)\n\n[75](#i55e313468840431690d843415435c4ae_46)\n\n[ITEM 5.](#i55e313468840431690d843415435c4ae_1644)\n\n[OTHER INFORMATION](#i55e313468840431690d843415435c4ae_1644)\n\n[76](#i55e313468840431690d843415435c4ae_1644)\n\n[ITEM 6.](#i55e313468840431690d843415435c4ae_268)\n\n[EXHIBITS](#i55e313468840431690d843415435c4ae_268)\n\n[76](#i55e313468840431690d843415435c4ae_268)\n\n[SIGNATURES](#i55e313468840431690d843415435c4ae_274)\n\n[77](#i55e313468840431690d843415435c4ae_274)\n\n2\n\nIntroductory Note\n\nPresentation of Results - HomeStreet Bank Merger\n\nOn September 2, 2025, we completed the Merger of HomeStreet Bank, the wholly-owned subsidiary of Mechanics Bancorp (formerly known as “HomeStreet, Inc.”) with and into Mechanics Bank, with Mechanics Bank as the surviving bank. Mechanics Bank is the accounting acquirer (“legal acquiree”), HomeStreet Bank is the accounting acquiree and Mechanics Bancorp is the legal acquirer. In this Quarterly Report on Form 10-Q, our financial results for all periods ended prior to September 2, 2025 reflect Mechanics Bank’s results on a standalone basis. In addition, our reported financial results reflect Mechanics Bank’s financial results on a standalone basis until the closing of the Merger on September 2, 2025 and results of the combined company beginning September 2, 2025. The number of shares issued and outstanding, earnings per share, and all references to share quantities or metrics of Mechanics Bancorp have been retrospectively restated to reflect the equivalent number of shares issued in the Merger since the Merger was accounted for as a reverse acquisition. As the accounting acquirer, Mechanics Bank remeasured the identifiable assets acquired and liabilities assumed in the Merger as of September 2, 2025 at their acquisition date fair values. The estimates of fair value were recorded based on initial valuations at the Merger date. These estimates are considered preliminary as of March 31, 2026, are subject to change for up to one year after the Merger date, and any changes could be material.\n\nUnless we state otherwise or the content otherwise requires, references in this Quarterly Report on Form 10-Q to “Mechanics,” “we,” “our,” “us” or the “Company” refer collectively to Mechanics Bancorp, Mechanics Bank (the “Bank”) and other direct and indirect subsidiaries of Mechanics Bancorp, following completion of the Merger. In some instances, we refer to Mechanics Bank prior to the effective time of the Merger as “legacy Mechanics Bank,” HomeStreet Bank prior to the effective time of the Merger as “legacy HomeStreet Bank,” and HomeStreet, Inc. prior to the effective time of the Merger as “legacy HomeStreet, Inc.”\n\n3\n\nPART I - FINANCIAL INFORMATION\n\nGlossary of Acronyms, Abbreviations, and Terms\n\nThe acronyms, abbreviations, and terms listed below are used in various sections of this Quarterly Report on Form 10-Q, including “Item 1. Financial Statements” and “Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.”\n\n2025 Equity PlanMechanics Bancorp 2025 Equity Incentive PlanFreddie Mac (FHLMC)Federal Home Loan Mortgage Corporation\n\nACLAllowance for credit lossesGAAPU.S. Generally Accepted Accounting Principles\n\nAFSAvailable-for-saleGinnie Mae (GNMA)Government National Mortgage Association\n\nAOCIAccumulated other comprehensive income (loss)HTMHeld-to-maturity\n\nASCAccounting Standards CodificationIRLCInterest rate lock commitment\n\nASUAccounting Standards UpdateLHFILoans held for investment\n\nAUMAssets under managementLHFSLoans held for sale\n\nBOLIBank owned life insuranceLIHTCLow income housing tax credit\n\nC&ICommercial and industrial loansMBSMortgage-backed securities\n\nCDFPICalifornia Department of Financial Protection and InnovationMergerMerger on September 2, 2025 in which HomeStreet Bank merged with and into Mechanics Bank, and Mechanics Bank became a wholly-owned subsidiary of Mechanics Bancorp (formerly HomeStreet, Inc.)\n\nCECLCurrent expected credit lossMSRMortgage servicing right\n\nCPRConditional Prepayment RateOREOOther real estate owned\n\nCRACommunity Reinvestment Act of 1977PCDPurchased credit deteriorated\n\nCRECommercial real estatePSLPurchased seasoned loans\n\nDUS®\nFannie Mae Multifamily Delegated Underwriting and Servicing ProgramPSUPerformance stock unit\n\nEPSEarnings per shareROURight-of-use\n\nFannie Mae (FNMA)Federal National Mortgage AssociationRSURestricted stock unit\n\nFASBFinancial Accounting Standards BoardSBASmall Business Administration\n\nFederal ReserveFederal Reserve BankSECSecurities and Exchange Commission\n\nFDICFederal Deposit Insurance CorporationSFRSingle family residential\n\nFHLBFederal Home Loan BankSOFRSecured Overnight Financing Rate\n\nFifth ThirdFifth Third Bank, National Association, a wholly-owned, indirect subsidiary of Fifth Third BancorpTRUPsTrust preferred securities\n\nFord Financial FundsFord Financial Fund II, LP. and Ford Financial Fund III, L.P.\n\n4"}