Is Mechanics Bank Safe?
Mechanics Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (0/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.65% | 97/100 |
| Nonperforming Loan Ratio | 0.16% | 97/100 |
| Liquidity Ratio | 33.19% | 100/100 |
| Return on Assets | -1.00% | 0/100 |
| Total Assets | $17.3B | |
How does Mechanics Bank compare?
With a Bank Health Score of 88/100, Mechanics Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Mechanics Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.65% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.16% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Mechanics Bank's Bank Health Score fell by 4.0 points to 88/100. Tier 1 capital strengthened by 0.61 percentage points to 14.65%. Quarter-over-quarter, the score rose by 4.0 points.
Mechanics Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (0/100).