Stable, Strong and Unwavering
Since 1905

“Safety and soundness” is a term we’ve taken seriously and spoken of genuinely since 1905. It points to the very foundation of the Mechanics Bank business model that puts safeguarding your money first. 

For some, business is strictly about profits and losses. For us, it’s about people and mutually beneficial relationships that endure. Understanding that every decision we make effects our clients, our employees and our shareholders, we know that, together, we’re stronger. 

There’s also exceptional strength in our numbers, which far exceed banking industry norms. Well capitalized and highly liquid, we have:

  • Over $18.9 billion total assets, almost $4 billion of which are in cash (and equivalents) and unpledged securities
  • $16.0 billion in deposits
  • A 70% loan-to-deposit ratio, so, unlike many banks, we don’t have to borrow from the government to make loans in our communities

Managing a transparent and simple balance sheet free of hedges, derivatives or swaps, we value core banking and lending principles that have allowed us to withstand challenging times, including the 1906 San Francisco earthquake and fire, the Great Depression, and World Wars I and II. At the onset of the Great Recession in 2008, Mechanics Bank was among the first banks in the nation to turn down the Treasury Department’s “Troubled Asset Relief Program” (TARP) assistance.

For over a century, we’ve strived to exceed our clients’ expectations every day by making wise and reasoned decisions that protect their best interests. This has been and will remain our foremost commitment.



















1 FDIC, Consolidated Reports of Conditions and Income, FFIEC 041, 6/30/2020

2 Mechanics Bank ALCO Report, 6/30/2020