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Mechanics Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 29011

Mansfield, OH

10 branches across OH

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +5.1% year over year ($790.2M on the books).
  • Delinquency rate 0.42%.
  • Return on assets 0.72%.
  • Efficiency ratio 75.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.85% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Mechanics Bank has 1 strength but faces 7 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

  • + Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 23.7% in tier
  • - Credit Risk Growth: Bottom 37.9% in tier
  • - Liquidity Strain: Bottom 43.7% in tier
  • - Non-Interest-Bearing Deposit Share 14.58% below tier average
  • - ROA 0.60% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 10.86% 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 (OH) National Avg Tier Percentile
Total Assets ? $896.4M
+9.2% YoY +1.2% QoQ
+$509.9M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Top 3.8% in tier
Total Loans ? $733.8M
+9.2% YoY +2.3% QoQ
+$475.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 1.4% in tier
Total Deposits ? $790.2M
+5.1% YoY +2.6% QoQ
+$463.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Top 2.6% in tier
Return on Assets ? 0.72%
+18.0% YoY +12.7% QoQ
-0.60% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.38%
+8.4% YoY +2.4% QoQ
-0.60% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 75.34%
-4.7% YoY -2.3% QoQ
+10.86% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.42%
+19.4% YoY +28.8% QoQ
-0.50% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 92.85%
+3.8% YoY -0.4% QoQ
+14.90% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 7.45%
-3.1% YoY -0.1% QoQ
-14.58% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 6.1% in tier
Nonperforming Asset Ratio ? 0.35%
+19.4% YoY +30.1% QoQ
-0.32% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 14.65%
-4.8% YoY -2.4% QoQ
-1.26% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.41%
+0.9% YoY +104.7% QoQ
-0.16% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 14.0% in tier

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 7.4%
-0.2pp YoY
0.0pp QoQ
 -14.7pp 22.1% 18.8% 22.2% 6%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 7.7% 8.5% 1%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 2.0%
+0.6pp YoY
0.0pp QoQ
 -9.5pp 11.6% 10.2% 12.5% 7%
CRE 8.0%
+0.8pp YoY
-0.1pp QoQ
 -31.5pp 39.5% 34.2% 41.4% 3%
1-4 Family 87.5%
-1.3pp YoY
-0.1pp QoQ
 +54.9pp 32.6% 50.0% 31.3% 98%
Consumer 0.7%
-0.2pp YoY
0.0pp QoQ
 -3.4pp 4.1% 4.7% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 14.7%
-0.7pp YoY
-0.4pp QoQ
 -4.2pp 18.8% 22.1% 19.7% 46%
Leverage Ratio 8.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 12.2% 12.9% 12.6% 5%
Total Capital Ratio 15.9%
-0.7pp YoY
-0.4pp QoQ
 -4.0pp 19.9% 23.2% 20.8% 47%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 149
+3 (+2.1%) YoY
+10 (+7.2%) QoQ
 +90 58 2,433 482 97%
Assets per Employee ($) $6.0M
+7.0% YoY
-5.6% QoQ
 -$1.5M $7.5M $7.6M $8.8M 34%
Branch Count 10
+1 (+11.1%) YoY
0 QoQ
 +5 4 81 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.2% 0.4% 10%
Nonaccrual 0.4%
+0.1pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 0.6% 1.0% 48%
Allowance Coverage 2.39x
-15.3% YoY
-21.5% QoQ
 -21.77x 24.15x 18.95x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 9.1%
+1.4pp YoY
+1.1pp QoQ
 -3.1pp 12.2% 9.7% 11.6% 31%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $3.2M
+27.3% YoY
— QoQ
 +$628K $2.6M $259.3M $40.4M 72%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#298 of 1256 • Bottom 23.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#356 of 936 • Bottom 37.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#303 of 691 • Bottom 43.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

38
Total Loans
size
Value: $733.75M
Peer Median: $258.35M
#38 of 2643 Top 1.4% in $100M-$1B
71
Total Deposits
size
Value: $790.24M
Peer Median: $326.73M
#71 of 2643 Top 2.6% in $100M-$1B
101
Total Assets
size
Value: $896.44M
Peer Median: $386.57M
#101 of 2643 Top 3.8% in $100M-$1B
372
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#372 of 2643 Top 14.0% in $100M-$1B

Top Weaknesses (5 metrics)

2482
Non-Interest-Bearing Deposit Share
funding
Value: 7.45%
Peer Median: 22.03%
#2482 of 2643 Bottom 6.1% in $100M-$1B
2121
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.32%
#2121 of 2643 Bottom 19.8% in $100M-$1B
2118
Efficiency Ratio
profitability
Value: 75.34%
Peer Median: 64.48%
#2118 of 2643 Bottom 19.9% in $100M-$1B
2099
Loan-to-Deposit Ratio
liquidity
Value: 92.85%
Peer Median: 77.95%
#2099 of 2643 Bottom 20.6% in $100M-$1B
2040
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2040 of 2643 Bottom 22.9% in $100M-$1B
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