MECHANICS BANK
WALNUT CREEK, CALIFORNIA · FDIC Cert #1768
Capital & Safety Analysis
According to FDIC financial data, MECHANICS BANK holds a Tier 1 capital ratio of 14.65%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MECHANICS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MECHANICS BANK shows strong financial health indicators. With $17.3B in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MECHANICS BANK has a Bank Health Score of A (88/100). It holds a Tier 1 capital ratio of 14.65%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MECHANICS BANK holds $17.3B in total assets and $14.1B in total deposits. It is located in WALNUT CREEK, CALIFORNIA (FDIC Certificate #1768).
MECHANICS BANK has a Tier 1 capital ratio of 14.65%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.16%, and the return on assets is -1.00%.
Yes. MECHANICS BANK is FDIC-insured (Certificate #1768). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.