Mechanics Bank
Mansfield, OH · Cert 29011 · Peer group: banks under $1B in assets (n=581-629) · Mechanics Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
$896.4MAssets
$741.2MLoans
$790.2MDeposits
$70.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 72% of banks under $1B in assets (rank 162 of 581).
- Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 564 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.71%
Rank 440 of 629
Net Interest Margin
3.18%
Rank 433 of 629
Efficiency Ratio
75.34%
Rank 425 of 629
Equity / Assets
7.82%
Rank 564 of 629
Non-interest income vs. expense
Unfavorable gap of $19.4M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.60% | 1.01% | 1.45% | Beats 30% | 440 / 629 | | |
| Return on Equity | 9.08% | 5.38% | 9.30% | 13.28% | Beats 48% | 328 / 629 | | |
| Net Interest Margin | 3.18% | 3.03% | 3.54% | 4.05% | Beats 31% | 433 / 629 | | |
| Efficiency Ratio | 75.34% | 58.35% | 67.79% | 79.08% | Beats 33% | 425 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.46% | 1.20% | Beats 52% | 278 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 162 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 11.24% | 13.84% | 18.77% | Beats 57% | 273 / 629 | | |
| Total Risk-Based Capital Ratio | 15.90% | 11.58% | 14.43% | 19.66% | Beats 60% | 250 / 629 | | |
| Equity / Assets | 7.82% | 9.09% | 10.65% | 13.80% | Beats 10% | 564 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.79% | 67.24% | 80.90% | 93.48% | 76th pctl | 144 / 594 | | |
| Loans / Assets | 82.68% | 53.31% | 67.71% | 78.15% | 87th pctl | 82 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |