Mechanics Bank
Total assets
$896.4M
▲ +9.2% YoY
Deposits
$790.2M
▲ +5.1% YoY
Loans
$733.8M
▲ +9.2% YoY
Offices
10
MECHANICS FINANCIAL CORP
ROA (annualized)
0.72%
peers 1.28%
ROE (annualized)
9.14%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Mechanics Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.9% | +4.3 pts |
| Deposit growth (YoY) | +5.2% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | 0.72% | 1.28% | -0.6 pts |
| ROE | 9.1% | 12.4% | -3.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
Profile
- Established
- 1886
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MECHANICS FINANCIAL CORP
- Specialization
- Mortgage Lending Specialization
- Address
- 2 S Main St, Mansfield, OH, 44902
- County
- Richland
- Metro area
- Mansfield, OH
- Offices
- 10
- FDIC cert #
- 29011
- RSSD ID
- 943675
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $896.4M | $790.2M | $733.8M | $70.1M | $3.2M | 0.72% | 3.38% | 0.35% |
| Q1 2026 | $885.5M | $769.9M | $717.5M | $70.0M | $1.4M | 0.64% | 3.31% | 0.27% |
| Q4 2025 | $872.5M | $766.1M | $702.8M | $68.9M | $5.6M | 0.67% | 3.20% | 0.27% |
| Q3 2025 | $846.7M | $756.4M | $685.8M | $66.9M | $3.9M | 0.62% | 3.17% | 0.31% |
| Q2 2025 | $820.9M | $751.6M | $672.2M | $65.7M | $2.5M | 0.61% | 3.12% | 0.29% |
| Q1 2025 | $817.9M | $749.2M | $657.3M | $64.8M | $1.1M | 0.53% | 3.02% | 0.26% |
| Q4 2024 | $820.6M | $754.4M | $654.7M | $62.8M | $4.0M | 0.49% | 2.83% | 0.26% |
| Q3 2024 | $824.1M | $757.4M | $643.9M | $63.3M | $2.9M | 0.47% | 2.79% | 0.20% |
Loan mix (Q2 2026): real estate $715.6M · commercial $14.8M · consumer $5.2M · securities $79.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.89% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 61.2% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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