121102036
Mechanics Bank is an FDIC insured institution headquartered at
1111 Civic Dr, Walnut Creek, CA 94596.
Deposit Rates -
August 18, 2026
SAVINGS RATES
APY
MIN
Savings
0.01% $2,500
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CD RATES
APY
MIN
Special: 5 Mo CD
0.50% $1,000
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6 Mo CD
0.05% $10,000
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6 Mo CD
0.05% $100,000
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Special: 11 Mo CD
0.25% $1,000
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12 Mo CD
0.15% $10,000
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12 Mo CD
0.15% $100,000
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18 Mo CD
0.50% $10,000
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18 Mo CD
0.50% $100,000
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24 Mo CD
0.25% $10,000
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24 Mo CD
0.25% $100,000
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30 Mo CD
0.25% $10,000
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30 Mo CD
0.25% $100,000
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Special: 36 Mo CD
0.75% $1,000
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36 Mo CD
0.45% $10,000
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36 Mo CD
0.50% $100,000
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48 Mo CD
0.45% $10,000
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48 Mo CD
0.50% $100,000
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60 Mo CD
0.70% $10,000
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60 Mo CD
0.75% $100,000
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FIXED IRA RATES
APY
MIN
Special: 5 Mo FIRA
0.50% $1,000
Special: 11 Mo FIRA
0.25% $1,000
Special: 36 Mo FIRA
0.75% $1,000
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 1768
Date Established
1905
Assets
$ 22.37 billion
Loans
$ 14.03 billion
Deposits
$ 19.04 billion
Capital
$ 3.06 billion
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 1,029.98 million
Interest-bearing balances
$ 836.31 million
Total securities
$ 5.35 billion
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 14.03 billion
Loan loss allowance
$ 153.32 million
Trading account assets
$ 53.49 million
Bank premises and fixed assets
N.A.
Other real estate owned
$ 4.99 million
Goodwill and other intangibles
$ 1,141.63 million
All other assets
$ 394.09 million
Total Assets $ 19.31 billion
LIABILITIES
Total deposits
$ 19.04 billion
Interest-bearing deposits
$ 12.28 billion
Deposits held in domestic offices
$ 19.04 billion
% insured (estimated)" 64.21%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
$ 14.08 million
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 199.13 millionn
Total Liabilities $ 19.31 billion
Shareholders’ Equity $ 3.06 billion
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 811.73 million
Total Interest Expense
$ 219.74 million
Net interest income
$ 591.99 million
Provision for loan and lease losses
$ 19.52 million
Total non interest income
$ 217.67 million
Total non interest expense
$ 468.86 million
Pre-tax Net Operating Income
$ 156.62 million
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