CA lenders / Regional Bank
Mechanics Bank
Regional Bank · Walnut Creek, CA · 2011 Tcrt
- Total assets
- $21.4B
- CRE loan book
- $7.8B
- QoQ CRE growth
- -3.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.09% as of Q1 2026 — TX bank median 4.87% (0.23pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.09% | 5.17% |
| Q4 2025 | 5.25% | 5.35% |
| Q3 2025 | 4.46% | 4.75% |
| Q2 2025 | 4.73% | 5.15% |
| Q1 2025 | 4.48% | 4.94% |
| Q4 2024 | 4.54% | 5.09% |
| Q3 2024 | 4.65% | 5.20% |
| Q2 2024 | 4.75% | 5.30% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $7.8B | $388.6M | $5.1B | 347% | $20.6M |
| Q4 2025 | $8.1B | $483.0M | $5.2B | 342% | $20.6M |
| Q3 2025 | $8.4B | $524.5M | $5.3B | 358% | $24.2M |
| Q2 2025 | $4.8B | $123.3M | $2.8B | 273% | $5.8M |
| Q1 2025 | $4.9B | $107.5M | $2.8B | 283% | $1.2M |
| Q4 2024 | $4.9B | $92.9M | $2.8B | 289% | $1,000 |
| Q3 2024 | $5.0B | $96.6M | $2.8B | 300% | $490,000 |
| Q2 2024 | $5.0B | $83.9M | $2.8B | 304% | $4.5M |
Signals
Recent news
- Mechanics Cooperative Bank hires new lending expert - Taunton Daily Gazette — Coverage of Mechanics Bank related to lending reported by tauntongazette.com.Aug 15, 2026
- Mechanics Bank top exec criticizes intense lending competition: ‘We’re not going to give away credit at this bank’ - The Business Journals — Coverage of Mechanics Bank related to lending reported by bizjournals.com.Aug 3, 2026
- Mechanics Bank Sells $1.8 Billion Fannie Mae DUS Servicing Business to Fifth Third Bank - citybiz — Coverage of Mechanics Bank related to commercial real estate and lending reported by citybiz.co.May 7, 2026
Similar lenders
Other regional banks we track with a comparable CRE book size.
- EverBank, National AssociationRegional Bank · Jacksonville · $7.9B CRE book
- Dime Commercial BankRegional Bank · Hauppauge · $7.9B CRE book
- Popular BankRegional Bank · New York · $7.6B CRE book
- Banner BankRegional Bank · Walla Walla · $7.4B CRE book
- Wilmington Savings Fund Society, FSBRegional Bank · Wilmington · $7.4B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.