FDIC Cert #1768 · Walnut Creek, California · Est. 1905

Mechanics Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$22.4B
Total assets
A
Health grade · Excellent
1.44%
Return on assets
15.6%
Tier 1 capital

Data updated July 2026

The verdict

Mechanics Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.59% Tier 1, profitable at 1.44% ROA, efficient (56% cost ratio).

#97
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
15.59%
Tier 1 ratio - above the 10% well-capitalized line
71st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 1768 · CA A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #522/4307
  • PHOTO-FINISH Bank of Perry County · TN
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-STRONG 1.44% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Bank of Perry County, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Mechanics Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Perry County · TN · …92/100Castle Rock Bank · MN · near92/100Farmers and Merchant… · SC ·…92/100Mechanics Bank · CA · this b…92/100Ozark Bank · MO · near92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mechanics Bank · July 2026

Call Report read for Mechanics Bank in a high-failure state

Mechanics Bank (FDIC Cert #1768) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #522 of 4,307. Tier 1 capital prints at 15.59%, clearing the 10% well-capitalized line. The Texas Ratio is 1.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.44%. Balance-sheet scale is $22.4B, 97th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Perry County (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Mechanics Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Mechanics Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Mechanics Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Mechanics Bank's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Mechanics Bank's composite health score
Tier 1 Capital Ratio (15.59%) 40/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (1.48%) 20/20
Efficiency Ratio (55.79%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$22.4B

Total balance-sheet footings

Total Deposits

$19.0B

Customer-funded liabilities

Net Loans

$14.0B

Outstanding loan book

Net Income

$273M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.19% 15.59% 16.99%
Basel III capital ratios - Mechanics Bank

Where Mechanics Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mechanics Bank's score of 92/100 falls in the highlighted band.

Mechanics Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 12% higher than 88% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Mechanics Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Mechanics Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mechanics Bank's $22.4B falls in the highlighted band.

Capital & credit buffers at Mechanics Bank

Tier 1 capital ratio
Well-capitalized 10%

15.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.59%
Texas Ratio
1.48%
Equity Capital
$3.1B

What these ratios mean →

Earnings posture at Mechanics Bank

Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
10.38%
Efficiency Ratio
55.79%

What these mean →

Income & expense at Mechanics Bank

$812M
Interest Income
$218M
Non-Interest Income
$469M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mechanics Bank reports a Texas Ratio of 1.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mechanics Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Mechanics Bank by assets

Measured strictly by total assets rather than geography, Mechanics Bank's closest national peers include State Bank of India, Centennial Bank, Beacon Bank and Trust, TriState Capital Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within California. Averaged across this asset-matched cohort, return on assets runs 1.08% (Mechanics Bank is above that at 1.44%), the efficiency ratio averages 43.75% (Mechanics Bank runs higher at 55.79%), and Tier 1 capital averages 11.65% (Mechanics Bank holds more at 15.59%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $22.4B in assets, Mechanics Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Mechanics Bank nationally by total assets
  1. 1
    State Bank of India $22.6B

    New York, NY · Grade F

  2. 2
    Centennial Bank $22.7B

    Conway, AR · Grade A

  3. 3
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  4. 4
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

  5. 5
    Wilmington Savings Fund Society, FSB $21.2B

    Wilmington, DE · Grade A

  6. 6
    First Financial Bank $21.0B

    Cincinnati, OH · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Mechanics Bank (this bank) CA $22.4B 1.44% 55.79% 15.59%
State Bank of India NY $22.6B 0.00% 0.00% 0.00%
Centennial Bank AR $22.7B 2.14% 39.76% 14.82%
Beacon Bank and Trust MA $23.2B 0.63% 65.46% 11.22%
TriState Capital Bank PA $23.3B 0.78% 47.15% 17.94%
Wilmington Savings Fund Society, FSB DE $21.2B 1.43% 56.85% 14.06%
First Financial Bank OH $21.0B 1.53% 53.29% 11.90%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($22.4B here), outside California so the neighborhood is not state containment.

State Bank of India $22.6B · NY Centennial Bank $22.7B · AR Beacon Bank and Trust $23.2B · MA TriState Capital Bank $23.3B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mechanics Bank (FDIC Cert #1768) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Mechanics Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%