Mechanics Bancorp Reports Fourth Quarter and Full Year 2025 Results

About this update from Mechanics Bancorp

[{"type":"text","content":" WALNUT CREEK, Calif., January 30, 2026 --( BUSINESS WIRE )--Mechanics Bancorp (Nasdaq: MCHB):","length":90,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"7","rowspan":"1","style":"border-top:solid black 1.0pt;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" Fourth Quarter Highlights ","length":25,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:20%;vertical-align:middle;","val":[{"type":"text","content":" $22.4 billion ","length":13,"tagName":"p","attribs":{}},{"type":"text","content":" Total Assets ","length":12,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:1%;vertical-align:middle;","val":[]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:20%;vertical-align:middle;","val":[{"type":"text","content":" $124.3 million ","length":14,"tagName":"p","attribs":{}},{"type":"text","content":" Net Income ","length":10,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:1%;vertical-align:middle;","val":[]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:20%;vertical-align:middle;","val":[{"type":"text","content":" 14.07% ","length":6,"tagName":"p","attribs":{}},{"type":"text","content":" CET1 Ratio (1) ","length":14,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:1%;vertical-align:middle;","val":[]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;width:37%;vertical-align:middle;","val":[{"type":"text","content":" $12.93 Book Value Per Share $ 7.81 T angible Book Value Per Share (2) ","length":67,"tagName":"p","attribs":{}}]}]}],"length":164},{"type":"text","content":"Mechanics Bancorp (Nasdaq: MCHB) ("Mechanics" or the "Company"), the financial holding company of Mechanics Bank, today announced its financial results for the quarter and year ended December 31, 2025. Mechanics reported net income of $124.3 million, or $0.54 per diluted share (3) , for the fourth quarter of 2025, compared to $55.2 million, or $0.25 per diluted share, for the third quarter of 2025. For 2025, Mechanics reported net income of $265.7 million, or $1.22 per diluted share, compared to $29.0 million, or $0.14 per diluted share, for 2024. Mechanics’ financial results in 2025 were materially impacted by the merger of HomeStreet Bank with and into Mechanics Bank, which was completed on September 2, 2025. Refer to "Presentation of Results – HomeStreet Bank Merger" below for additional information about the presentation of the financial statements following the merger. In addition, financial results for the fourth quarter of 2025 were impacted by the Company’s adoption of new accounting guidance for certain loans acquired in the HomeStreet merger. Refer to "Adoption of Purchased Seasoned Loans Accounting Standard" for additional discussion.","length":1202,"tagName":"p"},{"type":"text","content":"C.J. Johnson, President and CEO of Mechanics, said, "We had a very strong fourth quarter and I’m quite pleased with the progress that’s been made on our merger integration. More hard work remains, but I’m confident we’ll finish the job and be well-positioned for continued success in 2026 and beyond."","length":311,"tagName":"p"},{"type":"text","content":" Fourth Quarter and Year End 2025 Highlights: ","length":44,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":" Total assets of $22.4 billion at December 31, 2025, compared with $22.7 billion at September 30, 2025 and $16.5 billion at December 31, 2024.","length":141,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Total loans of $14.2 billion at December 31, 2025, resulting in a loans-to-deposits ratio of 75%, compared with $14.6 billion at September 30, 2025 and $9.6 billion at December 31, 2024.","length":186,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Total deposits of $19.0 billion at December 31, 2025, compared with $19.5 billion at September 30, 2025 and $13.9 billion at December 31, 2024, and noninterest-bearing deposits of $6.7 billion at December 31, 2025, compared with $6.7 billion at September 30, 2025 and $5.6 billion at December 31, 2024.","length":302,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Total cost of deposits was 1.43% for the quarter and 1.40% for the year ended December 31, 2025.","length":96,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Strong capital ratios (1) , including an estimated 16.28% Total risk-based capital ratio, 14.07% Tier 1 capital ratio, 14.07% CET1 capital ratio and 8.65% Tier 1 leverage ratio at December 31, 2025.","length":197,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":922,"olType":false},{"type":"readMore"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"padding-right:0.0px;padding-left:0.0px;text-align:left;vertical-align:top;","val":[{"type":"text","content":"(1)","length":3,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:5.0px;","val":[{"type":"text","content":"Regulatory capital ratios at December 31, 2025 are preliminary.","length":63,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"padding-right:0.0px;padding-left:0.0px;text-align:left;vertical-align:top;","val":[{"type":"text","content":"(2)","length":3,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:5.0px;","val":[{"type":"text","content":"Non-GAAP measure. Refer to section "Non-GAAP Financial Measures and Reconciliations" below.","length":101,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"padding-right:0.0px;padding-left:0.0px;text-align:left;vertical-align:top;","val":[{"type":"text","content":"(3)","length":3,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:5.0px;","val":[{"type":"text","content":"Unless otherwise specified, refers to diluted earnings per share for Class A common stock.","length":90,"tagName":"p","attribs":{}}]}]}],"length":263},{"type":"list","items":[{"val":[{"type":"text","content":" Allowance for credit losses ("ACL") to total loans of 1.08%, down from 1.16% at the prior quarter-end.","length":112,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" No wholesale funding , as all HomeStreet Federal Home Loan Bank ("FHLB") borrowings and brokered deposits have been paid off.","length":134,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Preliminary bargain purchase gain recognized of $145.5 million from the HomeStreet merger, consisting of $55.1 million in the fourth quarter and $90.4 million in the third quarter. The additional bargain purchase gain in the fourth quarter resulted from an updated valuation on Mechanics Bank’s Fannie Mae Delegated Underwriting and Servicing ("DUS") intangible as a result of the agreement announced in the fourth quarter of 2025 to sell our DUS business line to Fifth Third Bank, which is subject to Fannie Mae’s approval and is expected to close in the first quarter of 2026.","length":588,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Non-recurring acquisition and integration costs of $3.5 million in the quarter, compared to $63.9 million in the prior quarter. Such costs were $73.4 million in 2025.","length":166,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1000,"olType":false},{"type":"text","content":" Presentation of Results – HomeStreet Bank Merger ","length":48,"tagName":"p"},{"type":"text","content":"On September 2, 2025, the merger of HomeStreet Bank, the wholly owned subsidiary of Mechanics Bancorp (formerly known as HomeStreet, Inc.) with and into Mechanics Bank, was completed. Mechanics Bank is the accounting acquirer (legal acquiree), HomeStreet Bank is the accounting acquiree and Mechanics Bancorp is the legal acquirer. Mechanics’ financial results for all periods ended prior to September 2, 2025 reflect Mechanics Bank’s historical financial results on a standalone basis. In addition, Mechanics’ reported financial results for the year ended December 31, 2025 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 from September 2, 2025 through December 31, 2025. For periods prior to September 2, 2025, the number of shares issued and outstanding, earnings per share, and all references to share quantities or metrics of Mechanics 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 valuations as of the merger date. These estimates are considered preliminary as of December 31, 2025, are subject to change for up to one year after the merger date, and any changes could be material.","length":1546,"tagName":"p"},{"type":"text","content":" Adoption of Purchased Seasoned Loans Accounting Standard ","length":56,"tagName":"p"},{"type":"text","content":"The Company early adopted Accounting Standards Update ("ASU") 2025-08, "Financial Instruments–Credit Losses (Topic 326): Purchased Loans," during the fourth quarter of 2025. This new standard, which the Company elected to early adopt as of January 1, 2025, requires acquired loans that meet certain criteria at acquisition (purchased seasoned loans) to be recognized at their purchase price plus the amount of the allowance for expected credit losses (gross-up approach). As a result, for purchased seasoned loans acquired in the HomeStreet merger, the Company established an allowance for credit losses of $20.3 million at the date of acquisition for these loans and reversed the provision for credit losses recorded in the third quarter. The impact of the adjustments is reflected in the fourth quarter 2025 results presented in this earnings release. Required disclosures regarding the impact of the adoption and its impact on reported third quarter 2025 results will be presented when the Company files its annual report on Form 10-K for the year ended December 31, 2025. In addition, third quarter 2025 results will be retrospectively adjusted when the Company files its quarterly report on Form 10-Q for the quarter ended September 30, 2026.","length":1267,"tagName":"p"},{"type":"text","content":" INCOME STATEMENT HIGHLIGHTS ","length":27,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"21","rowspan":"1","style":"padding-left:0.0px;","val":[{"type":"text","content":" Summary Income Statement 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","length":13,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:1%;","val":[]},{"colspan":"7","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;","val":[{"type":"text","content":" Year Ended ","length":10,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:35%;","val":[{"type":"text","content":"(in thousands)","length":14,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:1%;","val":[]},{"colspan":"3","rowspan":"1","style":"vertical-align:bottom;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" December 31, 2025 ","length":18,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:1%;","val":[]},{"colspan":"3","rowspan":"1","style":"vertical-align:bottom;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" September 30, 2025 ","length":19,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:1%;","val":[]},{"colspan":"3","rowspan":"1","style":"vertical-align:bottom;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" December 31, 2024 ","length":18,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:1%;","val":[]},{"colspan":"3","rowspan":"1","style":"vertical-align:bottom;border-bottom:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" December 31, 2025 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Mechanics’ net interest margin increased from 3.36% to 3.47% primarily due to the full quarter of interest income on the HomeStreet acquired loans and slightly lower cost of deposits.","length":365,"tagName":"p"},{"type":"text","content":" Full Year 2025 vs. Full Year 2024 ","length":33,"tagName":"p"},{"type":"text","content":"Net interest income in 2025 increased $66.5 million as compared to 2024 due primarily to an increase in net interest margin from 3.31% in 2024 to 3.43% in 2025. The increase in net interest margin is primarily due to a 15 basis point reduction in the rates paid on interest-bearing liabilities and a 7 basis point increase on interest-earning asset yields. The decrease in rates paid on interest-bearing liabilities was primarily driven by the payoff of $750 million of Bank Term Funding Program ("BTFP") borrowings in September 2024, partially offset by higher borrowing costs on acquired debt from the HomeStreet merger. The increase in earning asset yields was primarily driven by higher yields on the investment securities portfolio as a result of higher yields on purchases in 2025.","length":797,"tagName":"p"},{"type":"text","content":" Provision for Credit Losses ","length":27,"tagName":"p"},{"type":"text","content":" Q4 2025 vs. Q3 2025 ","length":19,"tagName":"p"},{"type":"text","content":"The provision for credit losses in the fourth quarter of 2025, which consists of the provision for credit losses on loans and provision for unfunded commitments, was a reversal of provision of $23.5 million, compared to a provision of $47.0 million for the third quarter of 2025. The reversal of provision in the fourth quarter of 2025 was primarily the result of the adoption of ASU 2025-08, which eliminated the double count of the credit mark and the allowance for credit losses on the non-PCD HomeStreet purchased seasoned loans, in addition to lower loan balances due to repayments during the quarter.","length":606,"tagName":"p"},{"type":"text","content":" Full Year 2025 vs. Full Year 2024 ","length":33,"tagName":"p"},{"type":"text","content":"The provision for credit losses for loans and unfunded commitments was $19.5 million in 2025, compared to a $1.5 million reversal of provision in 2024. The increase in provision for 2025 was primarily driven by updates to ACL factors that were driven by a re-evaluation of future economic conditions and interest rate repricing risk.","length":333,"tagName":"p"},{"type":"text","content":" Noninterest Income ","length":18,"tagName":"p"},{"type":"text","content":" Q4 2025 vs. Q3 2025 ","length":19,"tagName":"p"},{"type":"text","content":"Noninterest income in the fourth quarter of 2025 decreased from the third quarter of 2025 primarily due to the bargain purchase gain from the HomeStreet merger, which was $90.4 million in the third quarter and $55.1 million in the fourth quarter.","length":246,"tagName":"p"},{"type":"text","content":" Full Year 2025 vs. Full Year 2024 ","length":33,"tagName":"p"},{"type":"text","content":"Noninterest income for 2025 increased from 2024 primarily due to the bargain purchase gain of $145.5 million from the HomeStreet merger in 2025 and the $207.2 million loss on the sale of lower yielding AFS investment securities as part of a balance sheet restructure in 2024.","length":275,"tagName":"p"},{"type":"text","content":"Nathan Duda added, "With the updated valuation on the DUS intangible, our bargain purchase gain recognized on the HomeStreet acquisition has increased to a total of $145.5 million, which significantly exceeds our original expectations."","length":246,"tagName":"p"},{"type":"text","content":" Noninterest Expense ","length":19,"tagName":"p"},{"type":"text","content":" Q4 2025 vs. Q3 2025 ","length":19,"tagName":"p"},{"type":"text","content":"Noninterest expense decreased $33.8 million in the fourth quarter of 2025 compared to the third quarter of 2025, primarily due to non-recurring acquisition and integration related costs of $63.9 million recognized with the HomeStreet merger in the third quarter, partially offset by a full quarter of legacy HomeStreet operating expenses in the fourth quarter.","length":360,"tagName":"p"},{"type":"text","content":" Full Year 2025 vs. Full Year 2024 ","length":33,"tagName":"p"},{"type":"text","content":"Noninterest expense increased $123.7 million for 2025 compared to 2024 primarily due to acquisition and integration related costs of $73.4 million, increases in salaries and employee benefits expense, and four months of legacy HomeStreet operating expenses after the merger.","length":274,"tagName":"p"},{"type":"text","content":"C.J. Johnson said, "We continue to make progress eliminating redundant costs from the combined banks and are well on our way to achieving our expected cost saves by the fourth quarter of 2026."","length":203,"tagName":"p"},{"type":"text","content":" Income Taxes ","length":12,"tagName":"p"},{"type":"text","content":" Q4 2025 vs. Q3 2025 ","length":19,"tagName":"p"},{"type":"text","content":"Our effective tax rate during the fourth quarter of 2025 was 19.3% as compared to (22.3)% in the third quarter of 2025 and our federal statutory rate was 21.0%. The bargain purchase gain from the merger with HomeStreet, which is an after-tax item, was $55.1 million in the fourth quarter and $90.4 million in the third quarter. The bargain purchase gain was the primary reason for the low effective tax rate in the fourth quarter and the negative effective tax rate in the third quarter.","length":487,"tagName":"p"},{"type":"text","content":" Full Year 2025 vs. Full Year 2024 ","length":33,"tagName":"p"},{"type":"text","content":"Our effective tax rate for 2025 was 16.8% as compared to 18.8% for 2024 and our federal statutory rate was 21.0%. The $145.5 million bargain purchase gain was the primary reason for the low effective tax rate in 2025.","length":217,"tagName":"p"},{"type":"text","content":" BALANCE SHEET HIGHLIGHTS ","length":24,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"16","rowspan":"1","style":"padding-left:0.0px;","val":[{"type":"text","content":" Selected Balance Sheet Items 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