Mechanics Bank is a state bank, not a federal reserve member based in Walnut Creek, California,
with $21.2 billion in assets and $18.1 billion in deposits as of 30 June 2026.
The FDIC’s 2026 branch survey counts 167 branches in 46 counties.
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
1407 I St, Modesto, CA (Stanislaus)
201 3rd St, Santa Rosa, CA (Sonoma)
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.