$21.4B
+29.4%y/y
Percentile by value47th percentileby value
FDIC
ASSETMB
Mechanics Bank
Walnut Creek, CaliforniaFDIC Cert #1768
STATEEstablished 1905170 branches
Holding company: 2011 TCRTRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMechanics Bank reported $21.4B in total assets. Deposits grew 30.46% over the prior year.
Return on assets was 0.87%, compared with the official FFIEC UBPR peer median of 1.19%. The leverage ratio was 9.31%.
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year above its official FFIEC UBPR peers?
- Why is Return on Assets below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$18.3B
+30.5%y/y
Percentile by value48th percentileby value
FDIC
DEP$13.7B
+46.6%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET0.87%
−19 bpsy/y
Peer standing21st percentile
FDIC
NETINC + ROA59.91%
+225 bpsy/y
Peer standing31st percentile
FDIC
NONIX + NIM + NONII + EEFFR9.31%
−60 bpsy/y
Peer standing26th percentile
FDIC
RBC1AAJPercentiles compare this bank with 110 ffiec ubpr peer group 2 — insured commercial banks having assets between $10 billion and $100 billion.
Side-by-side comparison
Mechanics Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.87%
Registry median
1.19%
This bank
6.34%
FFIEC trimmed average
10.71%
This bank
3.71%
Registry median
3.55%
This bank
59.91%
Registry median
54.92%
This bank
+30.46%
FFIEC trimmed average
+8.67%
This bank
+46.65%
FFIEC trimmed average
+11.01%
This bank
0.36%
FFIEC trimmed average
0.76%
This bank
9.31%
FFIEC trimmed average
10.28%
This bank
2.00%
Registry median
2.60%
This bank
345%
Registry median
213%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.87%
Registry median
1.14%
This bank
6.34%
FFIEC trimmed average
8.46%
This bank
3.71%
Registry median
3.81%
This bank
59.91%
Registry median
60.62%
This bank
+30.46%
FFIEC trimmed average
+7.13%
This bank
+46.65%
FFIEC trimmed average
+8.24%
This bank
0.36%
FFIEC trimmed average
0.66%
This bank
9.31%
FFIEC trimmed average
12.75%
This bank
2.00%
Registry median
2.85%
This bank
345%
Registry median
256%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $18.8B | $16B |
| Q3 2021 | $19.1B | $16.4B |
| Q4 2021 | $19.4B | $16.8B |
| Q1 2022 | $18.9B | $16.4B |
| Q2 2022 | $18.6B | $16.1B |
| Q3 2022 | $18.3B | $16B |
| Q4 2022 | $18.1B | $15.5B |
| Q1 2023 | $17.9B | $14.8B |
| Q2 2023 | $18.2B | $15B |
| Q3 2023 | $17.8B | $14.7B |
| Q4 2023 | $17.5B | $14.3B |
| Q1 2024 | $17.3B | $14.2B |
| Q2 2024 | $17.3B | $14.1B |
| Q3 2024 | $16.6B | $14.1B |
| Q4 2024 | $16.5B | $13.9B |
| Q1 2025 | $16.5B | $14B |
| Q2 2025 | $16.6B | $14B |
| Q3 2025 | $22.7B | $19.5B |
| Q4 2025 | $22.4B | $19B |
| Q1 2026 | $21.4B | $18.3B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $531M |
| Investor CRE | $1.71B |
| Multifamily | $5.14B |
| Construction | $389M |
| 1–4 family | $4.17B |
| C&I | $417M |
| Agriculture | $12.6M |
| Other | $1.49B |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.87%21st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDIC
NETINC + ROE6.34%15th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDIC
NIM + NIMY3.71%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.91%31st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDIC
DEP+30.46%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDIC
LNLSNET+46.65%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.36%19th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDIC
RBC1AAJ9.31%26th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.29%Median 10.30%90th 12.41%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.00%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC345%96th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 213%90th 309%Observations 110
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.87%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 1.14%90th 1.92%Observations 109
ROE
FDIC
NETINC + ROE6.34%34th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.08%Median 8.62%90th 15.99%Observations 109
NIM
FDIC
NIM + NIMY3.71%42nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.81%90th 4.98%Observations 109
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.91%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.54%Median 60.62%90th 93.55%Observations 109
Deposits YoY
FDIC
DEP+30.46%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.16%Median +5.34%90th +22.92%Observations 109
Loans YoY
FDIC
LNLSNET+46.65%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.56%Median +7.75%90th +21.58%Observations 107
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.36%45th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.34%Observations 108
Leverage
FDIC
RBC1AAJ9.31%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.46%Median 11.72%90th 18.85%Observations 109
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.00%81st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.85%90th 3.93%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC345%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 105%Median 256%90th 386%Observations 73
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 170 branches
- Headquarters
- Walnut Creek, CA
FDIC
OFFDOMOpen the California dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data