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Mechanics Bancorp

MCHB · Nasdaq

2 reporting failures in the last 12 months

Companies at this level ended the following year delisted, bankrupt, restated or silent 13.1% of the time, against 4.0% for companies with a clean record.

$238Mpublic float
2026-03-17most recent failure

Score over time

012202220232024202520262023-01-01 · score 12022-10-03 auditor change2023-04-01 · score 12022-10-03 auditor change2023-07-01 · score 12022-10-03 auditor change2023-10-01 · score 12022-10-03 auditor change2026-01-01 · score 12025-11-10 filed late (10-Q) · acquisition or merger2026-04-01 · score 22026-03-17 filed late (10-K) · auditor2025-11-10 filed late (10-Q) · acquisition or merger2026-07-01 · score 22026-03-17 filed late (10-K) · auditor2025-11-10 filed late (10-Q) · acquisition or merger2026-10-01 · score 22026-03-17 filed late (10-K) · auditor2025-11-10 filed late (10-Q) · acquisition or merger

Hover or tap a dot to see the filings behind that score.

Why they said they were late

Mechanics Bancorp (the “Company”) filed its Annual Report on Form 10-K for the period ended December 31, 2025 (the “Form 10-K”) at approximately 9:45 p.m EDT on March 16, 2026, after the prescribed date and time of March 16, 2026 at 5:30 p.m. EDT. The Company was unable to timely file its Form 10-K, without unreasonable effort or expense, because it required additional time to provide certain documentation needed to complete the audit for the period ended December 31, 2025 and the Company’s auditor needed time to review that documentation. As previously disclosed in its Current Report on Form 8-K filed with the U.S. Securities and Exchange Commission (the “SEC”) on September 2, 2025, the Company completed the merger contemplated by that certain Agreement and Plan of Merger, dated as of March 28, 2025, by and among the Company, HomeStreet Bank and Mechanics Bank, pursuant to which HomeStreet Bank merged with and into Mechanics Bank (the “Merger”) with Mechanics Bank surviving the Merger and becoming a wholly-owned subsidiary of the Company

NT 10-K, filed 2026-03-17 · auditor

What it filed

2026-03-17filed late (10-K)auditor SEC →

Mechanics Bancorp (the “Company”) filed its Annual Report on Form 10-K for the period ended December 31, 2025 (the “Form 10-K”) at approximately 9:45 p.m EDT on March 16, 2026, after the prescribed date and time of March 16, 2026 at 5:30 p.m. EDT. The Company was unable to timely file its Form 10-K, without unreasonable effort or expense, because it required additional time to provide certain documentation needed to complete the audit for the period ended December 31, 2025 and the Company’s auditor needed time to review that documentation. As previously disclosed in its Current Report on Form 8-K filed with the U.S. Securities and Exchange Commission (the “SEC”) on September 2, 2025, the Company completed the merger contemplated by that certain Agreement and Plan of Merger, dated as of March 28, 2025, by and among the Company, HomeStreet Bank and Mechanics Bank, pursuant to which HomeStreet Bank merged with and into Mechanics Bank (the “Merger”) with Mechanics Bank surviving the Merger and becoming a wholly-owned subsidiary of the Company

2025-11-10filed late (10-Q)acquisition or merger SEC →

Mechanics Bancorp (the “Company”) has determined that it is unable, without unreasonable effort or expense, to file its Quarterly Report on Form 10-Q for the period ended September 30, 2025 (the “Form 10-Q”) by the prescribed due date, November 10, 2025. As previously disclosed in its Current Report on Form 8-K filed with the U.S. Securities and Exchange Commission (the “SEC”) on September 2, 2025, the Company completed on September 2, 2025 the merger contemplated by that certain Agreement and Plan of Merger, dated as of March 28, 2025, by and among the Company, HomeStreet Bank and Mechanics Bank, pursuant to which HomeStreet Bank merged with and into Mechanics Bank (the “Merger”) with Mechanics Bank surviving the Merger and becoming a wholly-owned subsidiary of the Company. The Company is in the process of finalizing its review of the preliminary purchase accounting adjustments to be recorded in connection with the Merger and, consequently, is in the process of finalizing the Form 10-Q to reflect those items. The Company intends to file the Form 10-Q with the SEC as promptly as practicable. The Company is presently not aware of any circumstances that would prevent it from filing the Form 10-Q on or before the fifth (5th) calendar day following the prescribed due date in compliance with Rule 12b-25 under the Securities Exchange Act of 1934, as amended

2022-10-03auditor changed or resigned SEC →

About this score

reportingrisk.com scores every active US filer on three things a company tells the SEC about itself: late-filing notices on Form NT, 8-K item 4.02 (past accounts declared unreliable) and 4.01 (auditor changes). 1,012 are flagged today.

Every score is frozen and checked twelve months later. Across 91,452 of them, a company scoring 4 or more ended that year delisted, bankrupt, restated or silent 17.2% of the time, against 4.0% for a clean record. Scores before 2026-09-27 were reconstructed from the filing history as it stood at each date, so the record is a backtest rather than years of live calls.

See the ledger → Every company the score flagged that later failed, what it told the SEC on the way down, and the ones it missed.

Every item above is a filing this company made with the SEC.
Snapshot 2026-11-04 · data from SEC EDGAR (public domain) · not investment advice

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