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1111 Civic Drive
Walnut Creek, CA 94596

Mechanics Bank (CA) is headquartered in Walnut Creek and is the 20th largest bank in the state of California. It is also the 191st largest bank in the nation. It was established in 1905 and as of December of 2017, it had grown to 975 employees at 35 locations. Mechanics Bank (CA) has a B+ health rating.

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Reviews (3)

Mechanic's Bank Rocks

My partner and I have our own general contracting business, specializing in residential remodels. We began using Mechanic's Bank for our business account approximately 15 years ago. Mechanics Bank rocks!
We love the personal service and attention that we get from Mechanic's Bank. They treat us like they're happy to see us. They're always happy to help when we have a question about our account, or about other services like Cashier's Checks or Government Savings Bonds. And they even provide a security guard who helps people safely cross the busy parking lot at our local branch, which is located right on the corner of a busy intersection.
We appreciate that they have many convenient local branches and that they offer a business checking account that meets our needs.
I would recommend Mechanic's Bank to anyone looking for a small, local bank.

Mechanics Bank, Nice Name

Posted by: KasinSF | Feb 8, 2014

This is a decent bank. Yes they are local and there seems to be a few sincere people working there, well at least at my local Berkeley branch. I like their name because I am a mechanic type of person, I rampantly fix things. However, a bank is a bank, they are people whose focus in life is money (not fixing things, that's just a name) so unsatisfactory experiences should be considered normal.
Yesterday, I deposited a check into my business account and I left and called the manager back at the Oakland office, her name is Emily Chan, to check on funds availability. She told me that the funds would be available immediately. When I got home from work to pay a credit card so that I could make an important purchase the next day, I found that only $200 is available of a much larger deposit. So actually the bank manager just casually lied to me. I called in to speak to someone about the incident that evening and after waiting 45 minutes, the customer service manager came on the telephone and told me I should contact Rauly Butler the next morning (a Saturday) to report the incident and clear up the situation. Since that information sounded somewhat strange, I asked about his working hours and that supervisor actually gave me specific hours, I called and of course he does not even work on the weekends. What did I get? apologies of course and nothing else. I know I am so naive, but anyways bottom line is I have had a better bank but god knows next to Chase, B of A, etc, this is a great bank.

Mechanics Bank Is Awful

Posted by: jillienlee | Jan 4, 2017

Mechanics Bank used to be great. It was like a credit union with super friendly staff, great customer service, and tons of perks. Now I get charged for everything, ridiculous over draft fees, high interest rates, 30 minute waits for customer service, and they closed the only branch in a 40 mile radius of me. This bank officially sucks. I have moved all of my money to a new institution that doesn't put profit over people. I would not recommend this bank to anyone. Might as well got o Chase or Wells Fargo where you can at least find a branch to go in and talk to someone.


Health Grade Components

FDIC Certificate #1768
Year Established1905
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD4.02%
Annual Interest Income$227.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$5.64B$5.59B
LoansQ4 2017vs Q4 2016$4.22B$4.09B
DepositsQ4 2017vs Q4 2016$4.18B$4.43B
Equity CapitalQ4 2017vs Q4 2016$804.7MM$775.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$23.0MM$6.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$12.2MM$10.9MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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