FORM 4
☐

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person *
Shields Kristie S
 2. Issuer Name and Ticker or Trading Symbol
Mechanics Bancorp [MCHB] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
EVP & Chief Compliance Counsel
(Last)
(First)
(Middle)

1111 CIVIC DRIVE, SUITE 390		 3. Date of Earliest Transaction (Month/Day/Year)
02/15/2026
(Street)

WALNUT CREEK, CA 94596
(City)
(State)
(Zip)
4. If Amendment, Date Original Filed(Month/Day/Year)
6. Individual or Joint/Group Filing
(Check applicable line)

__X__ Form Filed by One Reporting Person
_____ Form Filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3)

2. Transaction Date (Month/Day/Year)

2A. Deemed Execution Date, if any (Month/Day/Year)

3. Transaction Code (Instr. 8)

4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)

5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)

6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)

7. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

Amount

(A) or (D)

Price

Class A Common Stock

02/15/2026 M 3,398A (1) 16,642D 

Class A Common Stock

02/15/2026 F 1,400D $15.3715,242D 

Class A Common Stock

02/15/2026 M 1,961A (1) 17,203D 

Class A Common Stock

02/15/2026 F 808D $15.3716,395D 

Class A Common Stock

02/15/2026 M 2,915A (1) 19,310D 

Class A Common Stock

02/15/2026 F 1,201D $15.3718,109D 


Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security
(Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code
(Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Incentive Units - Not Deferred (2022)

 (2) 02/15/2026 M  3,398  (3)   (3)

Class A Common Stock

3,398 $ 0 0 D 

Incentive Units - Not Deferred (2023)

 (2) 02/15/2026 M  1,961  (4)   (4)

Class A Common Stock

1,961 $ 0 1,961D 

Incentive Units - Not Deferred (2024)

 (2) 02/15/2026 M  2,915  (5)   (5)

Class A Common Stock

2,915 $ 0 5,830D 

Explanation of Responses:
1.

Each incentive unit represents a contingent right to receive one share of Issuer Class A common stock. Incentive units do not require the holder to pay any consideration upon vesting.

2.

Each incentive unit is the economic equivalent of one share of Issuer Class A Common Stock.

3.

All shares have vested as of February 15, 2026.

4.

The remaining incentive units vest on February 15, 2027.

5.

The incentive units vest in two equal annual installments beginning February 15, 2027.



Signatures

/s/ Glenn Shrader, Attorney in fact for Kristie S. Shields

02/18/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
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