CRA Public File
CRA Performance Evaluation

(Revised July 1, 2018)

In accordance with the Community Reinvestment Act (CRA) regulations, Mechanics Bank maintains and, upon request, makes available for public inspection, a complete copy of its CRA Public File. For your convenience, we've made the information available below.

Assessment Area Maps & Census Data

CRA Performance Evaluation:
Public Section of CRA Performance Evaluation April 2019

Branch Information
Branch Locations
Branch Openings-Closings

Services & Hours
Mechanics Bank offers deposits, mortgage loans, small business and
other general consumer products in line with traditional banking services.
Fees and Charges
List of Services and Hours of Operation

Public Comments
CRC Letter to Bank March 2016
NAAC Letter to Bank May 2016

Covered Agreements
CRC Agreement
CRC CRA Community Impact Goals 2020
NDC CRA Community Impact Goals 2020

Public Notice
CRA Notice

CRA Disclosure Statements

2018 FFIEC CRA Disclosure Statement

2017 FFIEC CRA Disclosure Statement

Consumer Disclosures
Mechanics Bank opted to include its consumer loans (auto) in the most recent CRA performance evaluation. Therefore, the Consumer Loan disclosures are provided below:


  • 2017 – Present : The HMDA data for Mechanics Bank’s residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. The data is accessed online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.