Mechanics Bank
Walnut Creek, CA
IDRSSD: 936462
Total Assets
$22.71B
Latest filing
Total Deposits
$19.46B
Latest filing
Net Interest Margin
3.31%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Mechanics Bank
1111 Civic Dr
Walnut Creek, CA 94596
Limited Service - Administrative
Updated 11/14/2025Established 01/01/1905FDIC Certificate 1171
Branches (172)
Page 1 of 25| Name | Address | City / State |
|---|---|---|
| Mechanics Bank (Main) | 1111 Civic Dr | Walnut Creek, CA |
| SOLVANG BRANCH | 1571 Mission Dr | Solvang, CA |
| GRAND AVENUE BRANCH | 1026 E Grand Ave | Arroyo Grande, CA |
| OJAI VALLEY BANK BRANCH | 1207 Maricopa Hwy | Ojai, CA |
| REEDLEY BRANCH | 1003 I St | Reedley, CA |
| SANTA BARBARA BRANCH | 3757 State St | Santa Barbara, CA |
| SALINAS BRANCH | 307 Main St | Salinas, CA |
| BLYTHE BRANCH | 149 E Hobsonway | Blythe, CA |
Showing 7 of 172
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 94596 |
| State and County Number | 06013 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 1,303 |
| Domestic Offices | 112 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/02/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mechanicsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 1768 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $22.71B |
| Total Deposits | $19.46B |
| Total Liabilities | $19.74B |
| Total Equity Capital | $2.97B |
| Net Income | $56.77M |
| Net Loans and Leases | $14.46B |
| Assets Per Employee ($Millions) | $11.18M |
| Bank Premises and Fixed Assets | $229.57M |
| Cash and Balances due from Depository Institutions | $1.44B |
| Deposits Held in Domestic Offices | $19.46B |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 8.43% |
| Net Interest Margin | 3.31% |
| Efficiency Ratio | 62.08% |
| Tier 1 Risk-Based Capital Ratio | 14.875% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.96% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.089% |
| Earning Assets to total Assets | 90.79% |
Income and Expense
| Total Interest Income | $204.88M |
| Total Noninterest Income | $109.38M |
| Total Interest Expense | $57.62M |
| Total Noninterest Expense | $163.58M |
| Net Interest Income | $147.26M |
| Pre-tax Net Operating Income | $46.04M |
| Provision for Credit Losses | $47.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.68M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $263.16M |
| Total Liabilities and Capital | $22.71B |
Securities
| Securities | $4.87B |
| Available-for-sale debt securities | $3.49B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.36B |
| Subordinated Debt | $0 |
| Trading Account Assets | $56.31M |
| Trading Liabilities | $16.35M |
Frequently Asked Questions
What are the total assets of Mechanics Bank?
$22.71B as of the latest filing.
How much are Mechanics Bank's total deposits?
$19.46B in total deposits.
Where is Mechanics Bank located?
Walnut Creek, CA.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
112.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$14.46B (latest filing).
What is the total interest income (latest filing)?
$204.88M.