We Put Safeguarding Your Money First

"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 affects our clients, our employees and our shareholders, we know that, together, we’re stronger. 

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. 

Outstanding Financials

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

$17.5 billion in total assets1

$10.8 billion in loans1

$14.3 billion in deposits1

One of California's Most "Well-Capitalized" Banks

Built to withstand business cycles without straining our financial condition and structure

Recognized Excellence

by Independent Rating Agencies

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We can help you achieve your financial goals with robust banking services that meet all your personal, mortgage, business, and wealth management needs.