| Metric | Mechanics Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.2% | +5.9% | +22.3 pts |
| Deposit growth (YoY) | +29.5% | +5.7% | +23.8 pts |
| Loan growth (YoY) | +46.4% | +6.9% | +39.4 pts |
| ROA | 0.99% | 1.23% | -0.2 pts |
| ROE | 7.3% | 11.2% | -3.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.25B | $18.10B | $13.43B | $2.83B | $107.7M | 0.99% | 3.71% | 0.28% |
| Q1 2026 | $21.40B | $18.25B | $13.70B | $2.93B | $47.5M | 0.87% | 3.71% | 0.25% |
| Q4 2025 | $22.37B | $19.04B | $14.03B | $3.06B | $272.6M | 1.44% | 3.45% | 0.23% |
| Q3 2025 | $22.71B | $19.46B | $14.46B | $2.97B | $143.0M | 1.05% | 3.31% | 0.29% |
| Q2 2025 | $16.58B | $13.97B | $9.18B | $2.42B | $86.3M | 1.04% | 3.46% | 0.12% |
| Q1 2025 | $16.54B | $13.99B | $9.34B | $2.37B | $43.8M | 1.06% | 3.44% | 0.15% |
| Q4 2024 | $16.49B | $13.95B | $9.56B | $2.30B | $29.0M | 0.17% | 3.37% | 0.16% |
| Q3 2024 | $16.61B | $14.11B | $9.82B | $2.30B | $-22.7M | -0.18% | 3.35% | 0.18% |
Loan mix (Q2 2026): real estate $11.77B · commercial $400.0M · consumer $1.31B · securities $5.43B
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.23% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.3% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 54.9% | 68th |
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% |
| 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% |
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| Ratio | Mechanics Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
112 branches in 34 counties across 1 state (-1 vs 2024) · $13.97B branch deposits. Biggest market: Contra Costa, CA, ranked 5th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Contra Costa, CA | 15 | $2.91B | 5.17% | 5th |
| San Luis Obispo, CA | 12 | $1.45B | 15.55% | 2nd |
| Orange, CA | 1 | $1.33B | 0.78% | 20th |
| 31 more counties with Pro → | ||||
California: 19th with 0.69% · San Francisco-Oakland-Fremont metro: 12th, 0.77% · San Luis Obispo-Paso Robles metro: 2nd, 15.55% ·
Branch count: 2022 117 · 2023 116 · 2024 113 · 2025 112