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Mechanics Bank
Walnut Creek, CA·FDIC Cert #1768·Charter: STATE·Est. 19050101.0·HC: 2011 TCRT
Total Assets
$22.4B
Q4 2025
Return on Assets
1.44%
+0.38%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.79%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.44%+0.38
ROE
10.38%+2.80
Efficiency
55.79%-4.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
73.72%-0.58
Charge-offs
0.35%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -2.6 | -0.7 | -0.2 | 0.2 | 1.1 | 1.0 | 1.1 | 1.4 |
| ROE | -20.4 | -5.6 | -1.4 | 1.3 | 7.5 | 7.3 | 7.6 | 10.4 |
| Efficiency | 61.7 | 57.8 | 57.2 | 56.7 | 57.7 | 59.4 | 60.7 | 55.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.4 | 0.3 |
| Charge-offs | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 73.0 | 71.7 | 69.6 | 68.5 | 66.8 | 65.7 | 74.3 | 73.7 |
Balance Sheet
Total Assets$22.4B
Total Deposits$19.0B
Total Loans$14.0B
Total Equity$3.1B
Profitability
ROA1.44%
ROE10.38%
Efficiency Ratio55.79%
Net Income$272.6M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.35%
Loan/Deposit73.72%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans