Mechanics Bank (FDIC #1768): Bank Stress & Real-Estate Credit Exposure
Mechanics Bank (FDIC Cert #1768): bank stress 59/100, moderate, STABLE over 7 days; parent 2011 TCRT.
Mechanics Bank (#1768) lends in 46 counties across 4 states; Mechanics Bank (#1768) reaches 1,863 ZIP codes: California 35 counties, 1,478 ZIPs; Washington 6 counties, 229 ZIPs; Oregon 3 counties, 90 ZIPs; Hawaii 2 counties, 66 ZIPs.
Mechanics Bank (#1768) largest markets: Los Angeles County, CA (3,040 branches, 304 ZIPs) (#1768), San Diego County, CA (580 branches, 116 ZIPs) (#1768), San Bernardino County, CA (400 branches, 100 ZIPs) (#1768), Orange County, CA (184 branches, 92 ZIPs) (#1768), King County, WA (1,602 branches, 89 ZIPs) (#1768), Riverside County, CA (456 branches, 76 ZIPs) (#1768).
Mechanics Bank (#1768) reports $21.25 billion in total assets; Mechanics Bank (#1768) equity $2.83 billion (13.3% of Mechanics Bank (#1768) assets); Mechanics Bank (#1768) domestic deposits $18.10 billion; Mechanics Bank (#1768) net income $107.7 million; Mechanics Bank (#1768) return on assets 0.99%; Mechanics Bank (#1768) return on equity 7.33%; Mechanics Bank (#1768) net interest income $363.7 million; Mechanics Bank (#1768) call report June 30, 2026.
Mechanics Bank (#1768) noncurrent real-estate loans: none reported; Mechanics Bank (#1768) residential -0.01%; Mechanics Bank (#1768) net charge-offs on real estate 0.36%; Mechanics Bank (#1768) commercial charge-offs 10.68%; Mechanics Bank (#1768) multifamily charge-offs 0.03%; Mechanics Bank (#1768) residential charge-offs 0.26%.
Mechanics Bank (#1768) net interest margin 3.71% against an eight-quarter Mechanics Bank (#1768) average of 3.47% (Mechanics Bank (#1768) compression -0.24 points); Mechanics Bank (#1768) commercial real estate 1068.1% of equity; Mechanics Bank (#1768) non-residential real estate 25.6% of equity; Mechanics Bank (#1768) rate-exposure score 90/100, Mechanics Bank (#1768) fixed-rate trap 90/100; Mechanics Bank (#1768) risk type cre heavy; Mechanics Bank (#1768) rate regime rates elevated, Mechanics Bank (#1768) snapshot October 20, 2026.
Mechanics Bank (#1768) stress score moved from 58.5 on June 22, 2026 to 59 on October 20, 2026; Mechanics Bank (#1768) ranged 58.5 to 59 over 117 snapshots.
Mechanics Bank (#1768) alerts: 39 counties; top Mechanics Bank (#1768) alert scores: San Francisco County, CA 41 (moderate); Sonoma County, CA 40 (moderate); Santa Clara County, CA 40 (moderate); Ventura County, CA 40 (moderate); Riverside County, CA 39 (moderate).