BlastPoint's Banking Scorecard

Mechanics Bank

$10B-$250B Specialty: Commercial CA FDIC cert 1768

Walnut Creek, CA

170 branches across CA · WA · HI · OR · ID · UT

137 banks in the $10B-$250B peer group nationally 10 in CA

Mechanics Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 2.9% in tier
+ Non-Interest-Bearing Deposit Share 15.67% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 53.3% in tier
- Net Interest Margin 0.07% below tier average
- Efficiency Ratio 5.90% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$21.4B +29.4% YoY -4.3% QoQ	-$25.6B	$47.0B -1.9% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$13.7B +46.6% YoY -2.3% QoQ	-$15.7B	$29.4B -0.4% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$18.3B +30.5% YoY -4.1% QoQ	-$20.2B	$38.4B -1.6% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	0.87% -18.1% YoY -39.7% QoQ	-0.41%	1.28% +18.7% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.71% +7.7% YoY +7.4% QoQ	-0.07%	3.77% +5.8% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	59.91% +3.9% YoY +7.4% QoQ	+5.90%	54.01% -3.7% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.36% +215.6% YoY +6.5% QoQ	-0.66%	1.02% -3.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	75.08% +12.4% YoY +1.8% QoQ	-5.71%	80.79% +1.9% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	35.71% -9.1% YoY +0.7% QoQ	+15.67%	20.04% +0.2% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 2.9% in tier
Nonperforming Asset Ratio ?	0.25% +73.6% YoY +7.6% QoQ	-0.47%	0.72% +4.2% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	14.96% -11.5% YoY -4.1% QoQ	-0.56%	15.51% -0.4% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.10% +5.0% YoY -90.2% QoQ	-0.13%	0.22% +0.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#2 of 34 • Top 2.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.36%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Margin Compression

decline

#9 of 15 • Bottom 53.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.87%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

15 of 15 Large banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.71%

Peer Median: 20.04%

#5 of 137 Top 2.9% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.25%

Peer Median: 0.72%

#26 of 137 Top 18.2% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.36%

Peer Median: 1.02%

#27 of 136 Top 19.1% in $10B-$250B

Top Weaknesses (1 metrics)

110

Return on Assets

profitability

Value: 0.87%

Peer Median: 1.28%

#110 of 137 Bottom 20.4% in $10B-$250B