🏦Bank Scorer

MECHANICS BANK

WALNUT CREEK, CA · Supervised by FDIC

Est. 1905FDIC #1,768RSSD: FDIC-1768
Part of2011 TCRT→ View all charters
Satisfactory Down

Current rating · Exam: November 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

2

0.09 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

1111 Civic Dr, WALNUT CREEK, CA

County

Contra Costa County

Established

January 1, 1905

Total Assets

$21.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2022

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$21.4B

Total Deposits

$18.3B

Net Loans

$13.7B

Net Income

$48M

ROA

0.87%

ROE

6.34%

Risk-Based Capital

16.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Complaints / $B0.09Peer avg: 0.04▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

112

Branch Deposits

$14.0B

1-Year Change

-1

5-year net change: -35 branches

Consumer Complaints

CFPB · through May 2026

Last 12 Months

2

All Time

19

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Vehicle loan or lease· 0.09 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
June 202400
July 202400
August 202400
September 202400
October 202400
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202500
October 202500
November 202510
December 202500
January 202600
February 202600
March 202600
April 202600
May 202610

Data through May 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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