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Mechanics Bancorp

For the period ended Sep 30, 2025. Filed Nov 17, 2025.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 17, 2025

MCHB$14.82+0.7%Stored close · as of Nov 9, 2026

What changed in Risk Factors?

Read the current filing

Current report: 10-Q

Period ended 2025-09-30; filed 2025-11-17.

0001518715-25-000181

ITEM 1A. RISK FACTORS

The baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.

Compared 9 previous paragraphs and 4 current paragraphs.

1 unchanged; 1 reworded; 0 added; 7 removed; 0 previous and 2 current paragraphs rearranged.

Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.

A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.

Removed paragraphs (7)

Previous report

ITEM 2 UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

Previous report

There were no sales of unregistered securities during the second quarter of 2025.

Previous report

ITEM 3 DEFAULTS UPON SENIOR SECURITIES

Previous report

ITEM 4 MINE SAFETY DISCLOSURES

Previous report

Not applicable.
Reworded paragraphs (1)

Previous wording

Refer to Item 1A of Part I of the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 and the Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2025 for a discussion of factors that could materially and adversely affect our business, financial condition, liquidity, results of operations and capital position. There have been no material changes in our risk factors from those described in our 2024 Annual Report on Form 10-K and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2025.

Current wording

Refer to Exhibit 99.2 to the Company’s Form 8-K filed on September 2, 2025 for a discussion of factors that could
Rearranged current paragraphs (2)

Current report — wording carried from elsewhere

materially and adversely affect our business, financial condition, liquidity, results of operations and capital position. There

Current report — wording carried from elsewhere

have been no material changes in our risk factors from those described in this report.