Mechanics Bank
Mansfield, OH · Cert 29011 · Peer group: banks under $1B in assets (n=573-620) · 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 165 of 573).
- Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 555 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.71%
Rank 430 of 620
Net Interest Margin
3.18%
Rank 424 of 620
Efficiency Ratio
75.34%
Rank 416 of 620
Equity / Assets
7.82%
Rank 555 of 620
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% | 1.00% | 1.45% | Beats 31% | 430 / 620 | | |
| Return on Equity | 9.08% | 5.30% | 9.30% | 13.29% | Beats 48% | 323 / 620 | | |
| Net Interest Margin | 3.18% | 3.02% | 3.53% | 4.04% | Beats 32% | 424 / 620 | | |
| Efficiency Ratio | 75.34% | 58.35% | 68.08% | 79.37% | Beats 33% | 416 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.47% | 1.27% | Beats 53% | 269 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 165 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 11.27% | 13.87% | 18.78% | Beats 56% | 274 / 620 | | |
| Total Risk-Based Capital Ratio | 15.90% | 11.69% | 14.57% | 19.67% | Beats 59% | 252 / 620 | | |
| Equity / Assets | 7.82% | 9.03% | 10.60% | 13.73% | Beats 10% | 555 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.79% | 65.08% | 79.69% | 92.47% | 77th pctl | 133 / 585 | | |
| Loans / Assets | 82.68% | 51.85% | 67.17% | 77.86% | 88th pctl | 76 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |