Mechanics Bancorp
For the period ended Sep 30, 2025. Filed Nov 17, 2025.
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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$14.67-1.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 2. Results of Operations.”
| ACL | Allowance for credit losses | LHFI | Loans held for investment |
|---|---|---|---|
| AFS | Available-for-sale | LHFS | Loans held for sale |
| AOCI | Accumulated other comprehensive income (loss) | LIHTC | Low income housing tax credit |
| ASU | Accounting standards update | LOCOM | Lower of amortized cost or fair value |
| AUM | Assets under management | MBFD | Modifications to borrowers experiencing financial difficulty |
| BOLI | Bank owned life insurance | MBS | Mortgage-backed securities |
| BTFP | Bank Term Funding Program | Merger | Merger 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.) |
| C&I | Commercial and industrial loans | MSRs | Mortgage servicing rights |
| CECL | Current expected credit loss | OREO | Other real estate owned |
| CODM | Chief operating decision maker | PCD | Purchased credit deteriorated |
| CPI | Consumer Price Index | PD | Probability of default |
| CPR | Constant Prepayment Rate | LGD | Loss given default |
| CRA | Community Reinvestment Act | ROU | Right-of-use |
| CRE | Commercial real estate | RSUs | Restricted stock units |
| DFPI | California Department of Financial Protection and Innovation | SBA | Small Business Administration |
| DUS | Fannie Mae Multifamily Delegated Underwriting and Servicing Program | SEC | Securities and Exchange Commission |
| EPS | Earnings per share | SFR | Single family residential |
| FDIC | Federal Deposit Insurance Corporation | SOFR | Secured Overnight Financing Rate |
| FHLB | Federal Home Loan Bank | TRUPs | Trust preferred securities |
| FRB | Board of Governors of the Federal Reserve System | U.S. GAAP | U.S. Generally Accepted Accounting Principles |
| HTM | Held-to-maturity | ||
| IRLC | Interest rate lock commitment | ||
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