Mechanics Bancorp — Director's Dealing 2026

Feb 24, 2026

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Mechanics Bancorp (MCHB)
CIK: 0001518715
Period of Report: 2025-09-02

Reporting Person: Downer Edward Michael (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-09-02	Class A Common Stock	A	13204	—	Acquired	13204	Direct
2025-09-02	Class A Common Stock	A	1508597	—	Acquired	1508597	Indirect
2025-09-02	Class A Common Stock	A	1121270	—	Acquired	1121270	Indirect
2025-09-02	Class A Common Stock	A	1155382	—	Acquired	1155382	Indirect
2025-09-02	Class A Common Stock	A	1121270	—	Acquired	1121270	Indirect
2025-09-02	Class A Common Stock	A	1121270	—	Acquired	1121270	Indirect
2025-09-02	Class A Common Stock	A	79226	—	Acquired	79226	Indirect

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-09-02	Incentive Units - Deferred	$	A	2554	Acquired		Class A Common Stock (2554)	Direct

Footnotes

F1: Received in exchange for an aggregate of four shares of Mechanics Bank ("MB") original voting common stock and MB restricted stock units in connection with the merger of HomeStreet Bank, a wholly owned subsidiary of Issuer, with and into MB, pursuant to which MB continued as the surviving corporation and as a wholly owned subsidiary of Issuer (the "Merger").

F2: As consideration for the Merger, (i) each share of MB voting common stock converted into the right to receive 3,301.0920 shares of Issuer Class A Common Stock, which, on the effective date of the Merger, had a closing price of $13.87 per share, (ii) each MB restricted stock unit of the Reporting Person converted into restricted stock units of Issuer for the right to receive 3,301.0920 shares of Issuer Class A Common Stock, and (iii) each MB incentive unit of the Reporting Person converted into incentive units of Issuer of the economic equivalent of 3,301.0920 shares of Issuer Class A Common Stock.

F3: Received in exchange of 456 shares of MB original voting common stock in connection with the Merger. The Reporting Person is Trustee of the E. Michael Downer Separate Property Trust UTD 9/22/08.

F4: Received in exchange of 339 shares of MB original voting common stock in connection with the Merger. The Reporting Person is the investment manager and beneficiary of the E M Downer Dynasty Trust UAD 11/28/03.

F5: Received in exchange of 349 shares of MB original voting common stock in connection with the Merger. The Reporting Person is the Investment Manager of MJAK Holdings, LLC and has the power to direct the voting of such shares.

F6: Received in exchange of 339 shares of MB original voting common stock in connection with the Merger. The Reporting Person is the voting trustee for the Douglas Downer Family Dynasty Trust.

F7: Received in exchange of 339 shares of MB original voting common stock in connection with the Merger. The Reporting Person is the voting trustee for the Robert M Downer Family Dynasty Trust.

F8: Received in exchange of 23 shares of MB original voting common stock in connection with the Merger. The Reporting Person is the voting trustee for the E M Downer Family Dynasty II Trust dated 12/28/03.

F9: Each incentive unit is the economic equivalent of one share of Issuer Class A Common Stock.

F10: The Reporting Person has elected to defer payment on such incentive units until the earlier of (i) the retirement or termination of the Reporting Person, or (ii) a change in control of Issuer.

F11: Includes 37 incentive units acquired on December 15, 2025 pursuant to dividend reinvestment.