Mechanics Bank

BankWalnut Creek, California
www.mechanicsbank.com

Total Assets

$22.4B

Total Deposits

$19.0B

Branches

173

Established

1905

TFS Health Grade

$
C

74.0 / 100

Average financial health

How we grade

Mechanics Bank is a bank headquartered in Walnut Creek, California, established in 1905. With $22.4B in total assets and 173 branch locations, it has a TFS Financial Health Grade of C (74.0/100). The CFPB has received 100 consumer complaints about this institution.

Capital & Safety

Tier 1 Capital Ratio
9.58%(8%)
Total Capital Ratio
16.81%(10%)
Non-Performing Loan Ratio
0.34%

Profitability

Return on Assets (ROA)
1.44%(1%)
Return on Equity (ROE)
10.38%(10%)
Net Interest Margin
3.45%
Efficiency Ratio
55.79%(60%)

Lending & Liquidity

Total Loans
$14.2B
Loan-to-Deposit Ratio
73.72%
Net Charge-Off Ratio
0.35%

Growth

Asset Growth (YoY)
+35.61%
Deposit Growth (YoY)
+36.49%
Net Income
$272.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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