BlastPoint's Banking Scorecard

Mechanics Bank

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

Walnut Creek, CA

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
Deposits +29.5% year over year ($18.1B on the books).
Delinquency rate 0.42%.
Return on assets 0.99%.
Efficiency ratio 58.78% vs a 53.67% peer average.
Loan-to-deposit ratio 74.21% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (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 14.93% above tier average

Key Concerns

Areas that may need attention

- ROA 0.40% below tier average
- Net Interest Margin 0.21% below tier average
- Efficiency Ratio 5.11% above tier average

Get updates when Mechanics Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$21.2B +28.2% YoY -0.7% QoQ	-$22.4B	$43.6B -13.8% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$13.4B +46.4% YoY -2.0% QoQ	-$14.5B	$28.0B -8.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$18.1B +29.5% YoY -0.8% QoQ	-$17.3B	$35.4B -14.0% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	0.99% -4.7% YoY +14.5% QoQ	-0.40%	1.39% +25.9% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.71% +7.3% YoY +0.1% QoQ	-0.21%	3.92% +8.9% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	58.78% -1.0% YoY -1.9% QoQ	+5.11%	53.67% -1.9% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	33%
Delinquency Rate ?	0.42% +92.1% YoY +15.7% QoQ	-0.60%	1.01% -2.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	74.21% +13.0% YoY -1.2% QoQ	-8.40%	82.61% +3.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	35.51% -9.0% YoY -0.5% QoQ	+14.93%	20.58% +4.9% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 3.6% in tier
Nonperforming Asset Ratio ?	0.28% +136.0% YoY +12.4% QoQ	-0.45%	0.73% +5.8% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	15.48% -15.2% YoY +3.5% QoQ	+0.13%	15.35% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.20% +11.8% YoY +115.2% QoQ	-0.29%	0.50% +10.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	35.5% -3.5pp YoY -0.2pp QoQ	+14.5pp	21.0%	25.5%	22.2%	96%
Brokered Deposits	n/a	n/a	9.2%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	3.0% +0.3pp YoY -0.1pp QoQ	-14.2pp	17.2%	11.8%	12.5%	8%
CRE	55.8% +3.2pp YoY -0.9pp QoQ	+13.8pp	42.0%	67.5%	41.4%	75%
1-4 Family	31.7% +5.1pp YoY +1.3pp QoQ	+8.6pp	23.1%	16.5%	31.3%	79%
Consumer	9.7% -8.5pp YoY -0.2pp QoQ	-3.1pp	12.9%	5.3%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	15.5% -2.8pp YoY +0.5pp QoQ	+0.2pp	15.3%	23.7%	19.7%	81%
Leverage Ratio	9.4% -0.8pp YoY +0.1pp QoQ	-1.0pp	10.4%	14.5%	12.6%	24%
Total Capital Ratio	16.7% -2.4pp YoY +0.5pp QoQ	+0.2pp	16.5%	25.1%	20.8%	81%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	1,753 +450 (+34.5%) YoY -133 (-7.1%) QoQ	-1,505	3,258	337	482	42%
Assets per Employee ($)	$12.1M -4.7% YoY +6.8% QoQ	-$14.9M	$27.0M	$11.3M	$8.8M	49%
Branch Count	169 +55 (+48.2%) YoY 0 QoQ	+31	137	15	18	71%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.4%	53%
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.4pp	0.7%	1.4%	1.0%	22%
Allowance Coverage	2.72x -20.6% YoY -14.2% QoQ	-0.09x	2.81x	17.11x	20.23x	73%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	7.3% 0.0pp YoY +1.0pp QoQ	-5.3pp	12.6%	8.2%	11.6%	13%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.8pp	2.0%	1.9%	1.7%	8%
Net Income ($, YTD)	$107.7M +24.9% YoY — QoQ	-$189.1M	$296.8M	$28.5M	$40.4M	32%

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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 35 • 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: 0.42%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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 139 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.51%

Peer Median: 20.58%

#6 of 139 Top 3.6% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.48%

Peer Median: 15.35%

#27 of 139 Top 18.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.42%

Peer Median: 1.01%

#27 of 138 Top 18.8% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.28%

Peer Median: 0.73%

#28 of 139 Top 19.4% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 74.21%

Peer Median: 82.61%

#31 of 139 Top 21.6% in $10B-$250B

Top Weaknesses (2 metrics)

108

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.50%

#108 of 139 Bottom 23.0% in $10B-$250B

106

Return on Assets

profitability

Value: 0.99%

Peer Median: 1.39%

#106 of 139 Bottom 24.5% in $10B-$250B