Mechanics Bank
Walnut Creek, CA · Cert 1768 · Peer group: banks over $10B in assets (n=142-144) · 2011 TCRT
State charter, non-member · FDIC · 167 branches
Q2 2026
$21.2BAssets
$13.6BLoans
$18.1BDeposits
$2.8BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks over $10B in assets (rank 26 of 142).
- Widest gap: return on equity trails 83% of banks over $10B in assets (rank 120 of 144).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.01%
Rank 104 of 144
Net Interest Margin
3.56%
Rank 48 of 144
Efficiency Ratio
62.33%
Rank 108 of 144
Equity / Assets
13.30%
Rank 30 of 144
Non-interest income vs. expense
Unfavorable gap of $420.6M · efficiency ratio beats 26% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 1.00% | 1.26% | 1.54% | Beats 28% | 104 / 144 | | |
| Return on Equity | 7.62% | 8.98% | 11.34% | 14.40% | Beats 17% | 120 / 144 | | |
| Net Interest Margin | 3.56% | 2.82% | 3.31% | 3.68% | Beats 67% | 48 / 144 | | |
| Efficiency Ratio | 62.33% | 49.42% | 56.02% | 62.41% | Beats 26% | 108 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.48% | 0.73% | 1.07% | Beats 82% | 26 / 142 | | |
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.11% | 0.22% | Beats 55% | 65 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 15.48% | 12.07% | 12.98% | 14.92% | Beats 81% | 28 / 144 | | |
| Total Risk-Based Capital Ratio | 16.74% | 13.39% | 14.14% | 16.25% | Beats 81% | 28 / 144 | | |
| Equity / Assets | 13.30% | 9.69% | 11.39% | 12.96% | Beats 79% | 30 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.06% | 75.72% | 84.92% | 91.56% | 24th pctl | 109 / 143 | | |
| Loans / Assets | 63.94% | 59.83% | 69.07% | 74.80% | 33rd pctl | 97 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |