CRA Performance Evaluation

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, current as of April 1 of the current year. For your convenience, we've made the information available below.

Public Disclosure of CRA Performance Evaluation April 2022

Assessment Area Maps & Census Data

Maps of the Bank's assessment areas showing boundaries and identifying the geographies (census tracts) contained within the areas.

Branch Locations and Service Hours

Mechanics Bank offers deposits, mortgage loans, small business and other general consumer products in line with traditional banking services. 

Covered Agreements and Public Notice

CRA Disclosure Statements & 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.

Home Mortgage Disclosure Act

2017 – Present: The HMDA data about 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 available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.