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Lender record

Mechanics Bank

The real lending record — every figure from funded deals. HQ: 1111 Civic Dr, Walnut Creek, CA. 170 branches.

45

Recent deals (FY20+)

$554K

Typical deal

13 days

Approval → funding

7%

Failure rate (FY20–23)

Where Mechanics Bank lends

Deals Mechanics Bank funded — list all 45 as text

Deal profile

Most Mechanics Bank deals land between $303K and $1.2M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Residential Remodelers (6)
  2. 2.Couriers and Express Delivery Services (4)
  3. 3.Sporting Goods Retailers (3)
  4. 4.Breweries (3)
  5. 5.Full-Service Restaurants (2)
  6. 6.General Automotive Repair (2)
  7. 7.Offices of Physicians, Mental Health Specialists (2)
  8. 8.Structural Steel and Precast Concrete Contractors (1)

Most active states

  1. 1.Washington (28 deals)
  2. 2.California (10 deals)
  3. 3.Hawaii (3 deals)
  4. 4.Oregon (2 deals)
  5. 5.Ohio (2 deals)

Can Mechanics Bank fund you? The bank behind the loans

Total assets

$21.4B

▼ 4.3% vs prior quarter

Deposits on hand

$18.3B

▼ 4.1% vs prior quarter

Loans outstanding

$13.7B

▼ 2.3% vs prior quarter

Net income (latest qtr)

$47.5M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Mechanics Bank more SBA-focused than 4% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 0.87% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Mechanics Bank branch (171)

Mechanics BankMain office1111 Civic DrWalnut Creek, CA 94596 · since 1905 · limited service

Kensington Branch279 Arlington AveKensington, CA 94707 · since 1896

Guadalupe Branch905 Guadalupe StGuadalupe, CA 93434 · since 1905

Klose Way Branch3190 Klose WayRichmond, CA 94806 · since 1905

Yreka Branch515 S Broadway StYreka, CA 96097 · since 1912

Coachella Branch1491 6th StCoachella, CA 92236 · since 1912

Solvang Branch1571 Mission DrSolvang, CA 93463 · since 1913

Gonzales Branch400 Alta StGonzales, CA 93926 · since 1917

El Cerrito Branch9996 San Pablo AveEl Cerrito, CA 94530 · since 1927

Castroville Branch10601 Merritt StCastroville, CA 95012 · since 1930

Albany Branch801 San Pablo AveAlbany, CA 94706 · since 1935

Panorama City Branch8501 Van Nuys BlvdPanorama City, CA 91402 · since 1936

El Sobrante Branch3884 San Pablo Dam RdEl Sobrante, CA 94803 · since 1955

Yucca Valley Branch57500 29 Palms HwyYucca Valley, CA 92284 · since 1958

Grand Avenue Branch1026 E Grand AveArroyo Grande, CA 93420 · since 1961

San Pablo Branch20 San Pablo Towne CenterSan Pablo, CA 94806 · since 1961

Blythe Branch149 E HobsonwayBlythe, CA 92225 · since 1962

Atascadero Branch6950 El Camino RealAtascadero, CA 93422 · since 1963

Buellton Branch61 W Highway 246Buellton, CA 93427 · since 1964

Mira Vista Branch4100 Macdonald AveRichmond, CA 94805 · since 1964

Goleta Valley Branch5956 Calle RealGoleta, CA 93117 · since 1964

Grover Beach Branch899 W Grand AveGrover Beach, CA 93433 · since 1964

Fort Jones Branch11906 Main StFort Jones, CA 96032 · since 1965

Los Osos Branch1001 Los Osos Valley RdLos Osos, CA 93402 · since 1965

Pinole Branch2690 Pinole Valley RdPinole, CA 94564 · since 1966

Happy Camp Branch63729 Hwy 96Happy Camp, CA 96039 · since 1967

East Main Branch519 E Main StSanta Maria, CA 93454 · since 1970

Hesperia Branch17123 Main StHesperia, CA 92345 · since 1971

Orcutt-Oak Knolls Branch1110 E Clark AveSanta Maria, CA 93455 · since 1972

San Luis Obispo Branch75 Santa Rosa StSan Luis Obispo, CA 93405 · since 1972

Santa Ynez Branch3600 Sagunto StSanta Ynez, CA 93460 · since 1972

Ojai Valley Bank Branch1207 Maricopa HwyOjai, CA 93023 · since 1973

Morro Bay Branch251 Harbor StMorro Bay, CA 93442 · since 1973

Big Bear Branch42138 Big Bear BlvdBig Bear Lake, CA 92315 · since 1974

Nipomo Branch615 W Tefft StNipomo, CA 93444 · since 1974

Santa Barbara Branch914 Carpinteria StSanta Barbara, CA 93103 · since 1977

Reedley Branch1003 I StReedley, CA 93654 · since 1978

Santa Barbara Branch3757 State StSanta Barbara, CA 93105 · since 1978

Paso Robles Branch845 Spring StPaso Robles, CA 93446 · since 1978

County Center Branch1171 S Victoria Ave Ste 2-AVentura, CA 93003 · since 1979

Santa Maria-South Broadway Branch1554 S BroadwaySanta Maria, CA 93454 · since 1980

Cambria Branch1070 Main StCambria, CA 93428 · since 1980

Dinuba Branch130 E Tulare StDinuba, CA 93618 · since 1980

Cottage Branch2222 Bath StSanta Barbara, CA 93105 · since 1980

Altaville-Angels Camp Branch501 S Main StAngels Camp, CA 95222 · since 1981

El Centro Main1448 W Main StEl Centro, CA 92243 · since 1981

Lompoc Branch828 N H StLompoc, CA 93436 · since 1982

Broad Street Branch2276 Broad StSan Luis Obispo, CA 93401 · since 1982

Mt. Shasta Branch142 Morgan WayMount Shasta, CA 96067 · since 1982

Salinas Branch307 Main StSalinas, CA 93901 · since 1983

Burbank Branch333 N Glenoaks BlvdBurbank, CA 91502 · since 1984

Bakersfield Gosford Branch3990 Gosford RdBakersfield, CA 93309 · since 1984

Oak View Branch410 Ventura AveOak View, CA 93022 · since 1985

Holtville Branch502 Holt AveHoltville, CA 92250 · since 1985

Downtown Ventura304 E Main StVentura, CA 93001 · since 1985

Downtown Oxnard Branch156 W 5th StOxnard, CA 93030 · since 1985

Stockdale Highway Branch5151 Stockdale HwyBakersfield, CA 93309 · since 1985

Oak Park Branch865 Oak Park BlvdPismo Beach, CA 93449 · since 1988

Honolulu Branch2 S King StHonolulu, HI 96813 · since 1988

King City Branch532 Broadway StKing City, CA 93930 · since 1989

Tacoma Branch1501 S Union AveTacoma, WA 98405 · since 1989

Mountlake Terrace Branch22001 66th Ave WMountlake Terrace, WA 98043 · since 1989

Templeton Branch1025 Las Tablas RdTempleton, CA 93465 · since 1989

Point Richmond Office4 W Richmond AvePoint Richmond, CA 94801 · since 1990

Groveland Office18543 Main StGroveland, CA 95321 · since 1990

Brawley Branch190 Main StBrawley, CA 92227 · since 1990

Oroville Branch2227 Myers StOroville, CA 95966 · since 1990

Seaside Branch1658 Fremont BlvdSeaside, CA 93955 · since 1990

South Chico Branch2041 Forest AveChico, CA 95928 · since 1990

Walnut Creek Office1350 N Main StWalnut Creek, CA 94596 · since 1992

Federal Way Branch33525 Pacific Hwy SFederal Way, WA 98003 · since 1993

Vancouver Branch2100 Se 164th AveVancouver, WA 98683 · since 1994

St Helena Office1015 Adams StSaint Helena, CA 94574 · since 1996

Camarillo Branch470 Arneill RdCamarillo, CA 93010 · since 1996

Tigard Branch16230 Sw Pacific HwyTigard, OR 97224 · since 1996

Wedgwood Branch8200 35th Ave NeSeattle, WA 98115 · since 1996

Berkeley Office2301 Shattuck AveBerkeley, CA 94704 · since 1997

San Rafael Office904 4th StSan Rafael, CA 94901 · since 1997

Hanford Branch218 N Douty StHanford, CA 93230 · since 1997

Crown Hill Branch8050 15th Ave NwSeattle, WA 98117 · since 1997

Newcastle Branch6949 Coal Creek Pkwy SeNewcastle, WA 98059 · since 1997

Queen Anne Branch1835 Queen Anne Ave NSeattle, WA 98109 · since 1997

Pacific Grove Branch561 Lighthouse AvePacific Grove, CA 93950 · since 1997

Yuba City Branch1600 Butte House RdYuba City, CA 95993 · since 1997

Granada Hills Branch10820 Zelzah AveGranada Hills, CA 91344 · since 1997

Westridge Branch1285 N Davis RdSalinas, CA 93907 · since 1998

North Berkeley Branch1801 Solano AveBerkeley, CA 94707 · since 1999

Northwest Portland Branch22 Nw 23rd AvePortland, OR 97210 · since 1999

North Chico Branch237 W East AveChico, CA 95926 · since 1999

Hilo Branch120 Waianuenue AveHilo, HI 96720 · since 1999

Danville Branch185 Railroad AvenueDanville, CA 94526 · since 2000

Lakewood Branch10802 Gravelly Lake Dr SwLakewood, WA 98499 · since 2000

Watonsville Branch1915 Main StWatsonville, CA 95076 · since 2000

Hollister Branch1730 Airline HwyHollister, CA 95023 · since 2000

Fresno Branch8462 N Friant RdFresno, CA 93720 · since 2000

El Cajon Branch368 BroadwayEl Cajon, CA 92021 · since 2001

Marysville Branch1238 State AveMarysville, WA 98270 · since 2001

South Paradise Branch672 Pearson RaodParadise, CA 95969 · since 2001

Fontana Branch9714 Sierra AveFontana, CA 92335 · since 2001

Napa Branch700 Trancas StNapa, CA 94558 · since 2002

Irvine Branch2211 Michelson DrIrvine, CA 92612 · since 2002

Gilroy Branch805 1st StGilroy, CA 95020 · since 2002

San Francisco Branch343 Sansome StSan Francisco, CA 94104 · since 2002

Alvarado Branch439 Alvarado StMonterey, CA 93940 · since 2003

Oakland Branch1999 Harrison StOakland, CA 94612 · since 2003

Orinda Branch77 Moraga WayOrinda, CA 94563 · since 2003

Red Bluff Branch500 Luther RdRed Bluff, CA 96080 · since 2004

El Dorado Hills Branch4354 Town Center BlvdEl Dorado Hills, CA 95762 · since 2004

Soledad Branch2149 H Dela Rosa Sr StSoledad, CA 93960 · since 2004

Kent Branch505 W Harrison StKent, WA 98032 · since 2004

Corning Branch950 Highway 99 WCorning, CA 96021 · since 2005

Southcenter Branch500 Baker BlvdTukwila, WA 98188 · since 2005

Concord Branch1170 Concord AveConcord, CA 94520 · since 2005

Pittsburg Branch695 Railroad AvePittsburg, CA 94565 · since 2006

Bainbridge Island Branch921 Hildebrand Ln NeBainbridge Island, WA 98110 · since 2006

West Seattle Branch4022 Sw Alaska StSeattle, WA 98116 · since 2006

Lake Grove Branch3970 Mercantile DrLake Oswego, OR 97035 · since 2006

Westlake Village Branch3815 E Thousand Oaks BlvdWestlake Village, CA 91362 · since 2006

Lodi Branch501 W Kettleman LnLodi, CA 95240 · since 2006

Pasadena Branch252 S Lake AvePasadena, CA 91101 · since 2006

Downey Branch8860 Apollo WayDowney, CA 90242 · since 2006

Harbor City Branch26650 Western Ave Ste CHarbor City, CA 90710 · since 2006

Lafayette Branch3640 Mt Diablo BlvdLafayette, CA 94549 · since 2008

Pearl City Branch98-1258 Kaahumanu StPearl City, HI 96782 · since 2008

Beverly Hills Branch9300 Wilshire Blvd Ste 101Beverly Hills, CA 90212 · since 2009

Merced Branch2000 M StMerced, CA 95340 · since 2009

Atwater Branch1861 Bellevue RdAtwater, CA 95301 · since 2009

Turlock Branch2190 W Monte Vista AveTurlock, CA 95382 · since 2009

Los Banos Branch601 I StLos Banos, CA 93635 · since 2009

Newman Branch1305 Main StNewman, CA 95360 · since 2009

Tulare Branch2005 E Prosperity AveTulare, CA 93274 · since 2010

Truxton Avenue Branch900 Truxtun AveBakersfield, CA 93301 · since 2010

Riverlakes Drive Office Branch3800 Riverlakes DrBakersfield, CA 93312 · since 2010

Mooney Bouleard Branch3443 S Mooney BlvdVisalia, CA 93277 · since 2011

North Roseville Retail Branch Office721 Pleasant Grove BlvdRoseville, CA 95678 · since 2011

Newport Beach Branch610 Newport Center DrNewport Beach, CA 92660 · since 2012

Lynnwood Branch19405 44th Ave WLynnwood, WA 98036 · since 2012

Fremont Branch3417 Evanston Ave NSeattle, WA 98103 · since 2012

Capitol Hill Branch700 Broadway ESeattle, WA 98102 · since 2013

Glendora Branch650 S Grand AveGlendora, CA 91740 · since 2013

Everett Branch2720 Hoyt AveEverett, WA 98201 · since 2013

Bellevue Branch500 108th Ave NeBellevue, WA 98004 · since 2014

Ballard Branch5900 24th Ave NwSeattle, WA 98107 · since 2014

Madison Park Branch4036 E Madison StSeattle, WA 98112 · since 2014

Salt Lake City Lending Branch11910 S State StDraper, UT 84020 · since 2014 · limited service

Brea Lending Office Branch135 S State College BlvdBrea, CA 92821 · since 2015 · limited service

San Diego Branch9333 Genesee Ave Ste 1100San Diego, CA 92121 · since 2015

Phinney Ridge Branch7307 Greenwood Ave NSeattle, WA 98103 · since 2015

Issaquah Branch909 Ne Ellis DrIssaquah, WA 98029 · since 2015

Mission Gorge Branch6515 Mission Gorge RdSan Diego, CA 92120 · since 2016

Riverside Branch3844 La Sierra AveRiverside, CA 92505 · since 2016

Point Loma Branch1110 Rosecrans StSan Diego, CA 92106 · since 2016

Baldwin Park Branch3119 Baldwin Park BlvdBaldwin Park, CA 91706 · since 2017

Redmond Branch16389 Redmond WayRedmond, WA 98052 · since 2017

Lake City Branch12513 Lake City Way NeSeattle, WA 98125 · since 2018

Gig Harbor Branch4949 Borgen Blvd Ste B101Gig Harbor, WA 98332 · since 2018

San Marcos Branch277 Rancheros DrSan Marcos, CA 92069 · since 2018

Santa Clara Branch781 Lawrence ExpySanta Clara, CA 95051 · since 2019

Meridian Lending Branch2949 E Copper Point DrMeridian, ID 83642 · since 2019 · limited service

Olympia Branch810 Sleater Kinney Rd SeLacey, WA 98503 · since 2020

Kahala Branch4211 Waialae AveHonolulu, HI 96816 · since 2022

Sonoma Branch19245 Sonoma HighwaySonoma, CA 95476 · since 2022

Palm Springs/Cathedral City Branch67760 E Palm Canyon DrCathedral City, CA 92234 · since 2023

Indio Branch49850 Jefferson StreetIndio, CA 92201 · since 2023

Hollywood Blvd. Branch4850 Hollywood Blvd. Suite R5Los Angeles, CA 90027 · since 2024

Mechanics Bank Palm Desert Branch73611 Highway 111Palm Desert, CA 92260 · since 2024

Mechanics Bank Redding Branch4621 Churn Creek RoadRedding, CA 96002 · since 2024

Seattle Branch1314 6th AveSeattle, WA 98101 · since 2025

Santa Rosa Branch640 3rd StSanta Rosa, CA 95404 · since 2025

Modesto Branch3401 Oakdale RdModesto, CA 95355 · since 2026

Waimalu Branch98-1277 Kaahumanu StAiea, HI 96701 · since 2026

Scroll for all 171 branches · Branch data: FDIC BankFind.

Recent deals

  • Mutual Friends LLC in Seattle, WA — $1.0M (2026) · Full-Service Restaurants
  • CRD DESIGN BUILD INC in Seattle, WA — $200K (2025) · Residential Remodelers
  • Pandiecue LLC in Seattle, WA — $3.1M (2023) · Residential Remodelers
  • Steelkorr, LLC in Seattle, WA — $2.3M (2023) · Structural Steel and Precast Concrete Contractors
  • New Empire Properties LLC in Lakewood, WA — $827K (2023) · Clothing and Clothing Accessories Retailers
  • Peace Vans Enterprises, LLC in Seattle, WA — $538K (2023) · General Automotive Repair
  • CRD Design Build, Inc. in Seattle, WA — $200K (2023) · Residential Remodelers
  • CRD Design Build, Inc. in Seattle, WA — $200K (2023) · Residential Remodelers
  • Haskett Works LLC in Seattle, WA — $150K (2023) · All Other Specialty Trade Contractors
  • Sound Plastic Surgery, PLLC in Seattle, WA — $1.7M (2022) · Offices of Physicians, Mental Health Specialists

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Failed deals

3 of Mechanics Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses Mechanics Bank financed

37 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Mechanics Bank.

Agent summary

This page summarizes Mechanics Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 45 SBA 7(a) loans on record
  • $554K typical deal
  • 10 business-acquisition loans
  • HQ: 1111 Civic Dr, Walnut Creek, CA
  • 171 FDIC branch locations
  • FDIC total assets $21.4B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/mechanics-bank
API:
https://www.capbench.com/api/public/lenders/mechanics-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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