<SEC-DOCUMENT>0002104239-26-000004.txt : 20260223
<SEC-HEADER>0002104239-26-000004.hdr.sgml : 20260223
<ACCEPTANCE-DATETIME>20260223200819
ACCESSION NUMBER:		0002104239-26-000004
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20250902
FILED AS OF DATE:		20260223
DATE AS OF CHANGE:		20260223

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Downer Edward Michael
		CENTRAL INDEX KEY:			0002104239
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35424
		FILM NUMBER:		26667120

	MAIL ADDRESS:	
		STREET 1:		1111 CIVIC DRIVE
		STREET 2:		SUITE 390
		CITY:			WALNUT CREEK
		STATE:			CA
		ZIP:			94596

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Mechanics Bancorp
		CENTRAL INDEX KEY:			0001518715
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				910186600
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		1111 CIVIC DRIVE
		STREET 2:		SUITE 390
		CITY:			WALNUT CREEK
		STATE:			CA
		ZIP:			94596
		BUSINESS PHONE:		206-623-3050

	MAIL ADDRESS:	
		STREET 1:		1111 CIVIC DRIVE
		STREET 2:		SUITE 390
		CITY:			WALNUT CREEK
		STATE:			CA
		ZIP:			94596

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HomeStreet, Inc.
		DATE OF NAME CHANGE:	20110420
</SEC-HEADER>
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<TYPE>4
<SEQUENCE>1
<FILENAME>wk-form4_1771895297.xml
<DESCRIPTION>FORM 4
<TEXT>
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    <periodOfReport>2025-09-02</periodOfReport>

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        <issuerName>Mechanics Bancorp</issuerName>
        <issuerTradingSymbol>MCHB</issuerTradingSymbol>
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            <rptOwnerName>Downer Edward Michael</rptOwnerName>
        </reportingOwnerId>
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            <rptOwnerStreet1>1111 CIVIC DR STE 390</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>WALNUT CREEK</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94596-3895</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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            <isDirector>1</isDirector>
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            <isTenPercentOwner>0</isTenPercentOwner>
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    <aff10b5One>0</aff10b5One>

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                    <value>E M Downer Dynasty Trust UAD 11/28/03 FBO Michael Downer</value>
                    <footnoteId id="F4"/>
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        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
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                <natureOfOwnership>
                    <value>E. Michael Downer, Investment Manager for MJAK Holdings, LLC</value>
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        <nonDerivativeTransaction>
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                <directOrIndirectOwnership>
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                    <value>Douglas Downer Family Dynasty Trust</value>
                    <footnoteId id="F6"/>
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        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
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                <transactionFormType>4</transactionFormType>
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                    <value>Robert M Downer Family Dynasty Trust</value>
                    <footnoteId id="F7"/>
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            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
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                <natureOfOwnership>
                    <value>E M Downer Family Dynasty II Trust 12/28/03</value>
                    <footnoteId id="F8"/>
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            </ownershipNature>
        </nonDerivativeTransaction>
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    <derivativeTable>
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            <securityTitle>
                <value>Incentive Units - Deferred</value>
            </securityTitle>
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                <footnoteId id="F2"/>
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                <transactionShares>
                    <value>2554</value>
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                    <value>0</value>
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                    <value>A</value>
                </transactionAcquiredDisposedCode>
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                    <value>Class A Common Stock</value>
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                <sharesOwnedFollowingTransaction>
                    <value>2591</value>
                    <footnoteId id="F11"/>
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    <footnotes>
        <footnote id="F1">Received in exchange for an aggregate of four shares of Mechanics Bank (&quot;MB&quot;) original voting common stock and MB restricted stock units in connection with the merger of HomeStreet Bank, a wholly owned subsidiary of Issuer, with and into MB, pursuant to which MB continued as the surviving corporation and as a wholly owned subsidiary of Issuer (the &quot;Merger&quot;).</footnote>
        <footnote id="F2">As consideration for the Merger, (i) each share of MB voting common stock converted into the right to receive 3,301.0920 shares of Issuer Class A Common Stock, which, on the effective date of the Merger, had a closing price of $13.87 per share, (ii) each MB restricted stock unit of the Reporting Person converted into restricted stock units of Issuer for the right to receive 3,301.0920 shares of Issuer Class A Common Stock, and (iii) each MB incentive unit of the Reporting Person converted into incentive units of Issuer of the economic equivalent of 3,301.0920 shares of Issuer Class A Common Stock.</footnote>
        <footnote id="F3">Received in exchange of 456 shares of MB original voting common stock in connection with the Merger.  The Reporting Person is Trustee of the E. Michael Downer Separate Property Trust UTD 9/22/08.</footnote>
        <footnote id="F4">Received in exchange of 339 shares of MB original voting common stock in connection with the Merger.  The Reporting Person is the investment manager and beneficiary of the E M Downer Dynasty Trust UAD 11/28/03.</footnote>
        <footnote id="F5">Received in exchange of 349 shares of MB original voting common stock in connection with the Merger.  The Reporting Person is the Investment Manager of MJAK Holdings, LLC and has the power to direct the voting of such shares.</footnote>
        <footnote id="F6">Received in exchange of 339 shares of MB original voting common stock in connection with the Merger.  The Reporting Person is the voting trustee for the Douglas Downer Family Dynasty Trust.</footnote>
        <footnote id="F7">Received in exchange of 339 shares of MB original voting common stock in connection with the Merger.  The Reporting Person is the voting trustee for the Robert M Downer Family Dynasty Trust.</footnote>
        <footnote id="F8">Received in exchange of 23 shares of MB original voting common stock in connection with the Merger.  The Reporting  Person is the voting trustee for the E M Downer Family Dynasty II Trust dated 12/28/03.</footnote>
        <footnote id="F9">Each incentive unit is the economic equivalent of one share of Issuer Class A Common Stock.</footnote>
        <footnote id="F10">The Reporting Person has elected to defer payment on such incentive units until the earlier of (i) the retirement or termination of the Reporting Person, or (ii) a change in control of Issuer.</footnote>
        <footnote id="F11">Includes 37 incentive units acquired on December 15, 2025 pursuant to dividend reinvestment.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Glenn Shrader, Attorney in fact for E. Michael Downer</signatureName>
        <signatureDate>2026-02-23</signatureDate>
    </ownerSignature>
</ownershipDocument>
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</DOCUMENT>
</SEC-DOCUMENT>
