Mechanics Bank Trust Department Form 13F-HR Filed 2025-07-14

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	5,733,229	42,153	SH		SOLE		42,053	0	100
ABBOTT LABS	COM	002824100	2,235,596	16,437	SH		OTR		14,247	2,190	0
ABBVIE INC	COM	00287Y109	1,622,318	8,740	SH		OTR		6,815	1,925	0
ABBVIE INC	COM	00287Y109	629,623	3,392	SH		SOLE		2,535	725	132
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	179,334	600	SH		OTR		600	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	207,728	695	SH		SOLE		30	0	665
ADOBE INC	COM	00724F101	580,320	1,500	SH		OTR		1,500	0	0
ADOBE INC	COM	00724F101	185,702	480	SH		SOLE		480	0	0
AIR PRODS & CHEMS INC	COM	009158106	138,209	490	SH		OTR		490	0	0
AIR PRODS & CHEMS INC	COM	009158106	360,472	1,278	SH		SOLE		370	0	908
ALPHABET INC	CAP STK CL A	02079K305	16,275,016	92,351	SH		SOLE		92,079	0	272
ALPHABET INC	CAP STK CL A	02079K305	4,324,507	24,539	SH		OTR		22,539	2,000	0
ALPHABET INC	CAP STK CL C	02079K107	1,116,670	6,295	SH		OTR		4,425	1,870	0
ALPHABET INC	CAP STK CL C	02079K107	3,955,797	22,300	SH		SOLE		18,530	250	3,520
ALTRIA GROUP INC	COM	02209S103	407,830	6,956	SH		OTR		3,151	3,805	0
ALTRIA GROUP INC	COM	02209S103	1,889,996	32,236	SH		SOLE		31,036	1,100	100
AMAZON COM INC	COM	023135106	2,661,200	12,130	SH		OTR		10,730	1,400	0
AMAZON COM INC	COM	023135106	10,356,304	47,205	SH		SOLE		43,969	100	3,136
AMERICAN EXPRESS CO	COM	025816109	444,658	1,394	SH		SOLE		1,394	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	252,404	1,142	SH		SOLE		992	0	150
AMERICAN TOWER CORP NEW	COM	03027X100	276,275	1,250	SH		OTR		1,250	0	0
AMERICAN WTR WKS CO INC NEW	COM	030420103	13,911	100	SH		OTR		100	0	0
AMERICAN WTR WKS CO INC NEW	COM	030420103	246,920	1,775	SH		SOLE		0	0	1,775
AMGEN INC	COM	031162100	312,994	1,121	SH		OTR		1,121	0	0
AMGEN INC	COM	031162100	1,243,880	4,455	SH		SOLE		4,455	0	0
AMPHENOL CORP NEW	CL A	032095101	1,295,303	13,117	SH		SOLE		10,457	0	2,660
AMPHENOL CORP NEW	CL A	032095101	834,437	8,450	SH		OTR		8,450	0	0
ANALOG DEVICES INC	COM	032654105	297,763	1,251	SH		SOLE		289	0	962
ANGEL OAK FUNDS TRUST	OAK ULTRASHORT	03463K752	229,815	4,500	SH		OTR		2,500	2,000	0
ANGEL OAK FUNDS TRUST	OAK ULTRASHORT	03463K752	2,288,089	44,803	SH		SOLE		43,303	1,500	0
APPLE INC	COM	037833100	7,159,201	34,894	SH		OTR		33,814	1,080	0
APPLE INC	COM	037833100	34,320,837	167,280	SH		SOLE		166,842	100	338
APPLIED MATLS INC	COM	038222105	224,260	1,225	SH		SOLE		0	0	1,225
AUTOMATIC DATA PROCESSING IN	COM	053015103	2,080,158	6,745	SH		OTR		6,745	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	3,892,008	12,620	SH		SOLE		12,600	0	20
AUTOZONE INC	COM	053332102	278,417	75	SH		SOLE		0	0	75
AVALONBAY CMNTYS INC	COM	053484101	71,225	350	SH		OTR		350	0	0
AVALONBAY CMNTYS INC	COM	053484101	3,139,801	15,429	SH		SOLE		15,179	230	20
BANK AMERICA CORP	COM	060505104	980,186	20,714	SH		SOLE		20,479	0	235
BANK AMERICA CORP	COM	060505104	327,880	6,929	SH		OTR		6,929	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,545,920	5,241	SH		OTR		3,466	1,775	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	6,955,254	14,318	SH		SOLE		14,256	0	62
BLACKROCK INC	COM	09290D101	455,374	434	SH		OTR		409	25	0
BLACKROCK INC	COM	09290D101	3,168,735	3,020	SH		SOLE		2,998	15	7
BOEING CO	COM	097023105	168,671	805	SH		SOLE		20	0	785
BOEING CO	COM	097023105	66,840	319	SH		OTR		219	100	0
BOOKING HOLDINGS INC	COM	09857L108	86,838	15	SH		OTR		15	0	0
BOOKING HOLDINGS INC	COM	09857L108	289,462	50	SH		SOLE		50	0	0
BOSTON SCIENTIFIC CORP	COM	101137107	451,551	4,204	SH		SOLE		1,719	0	2,485
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,717,960	37,113	SH		SOLE		35,763	1,150	200
BRISTOL-MYERS SQUIBB CO	COM	110122108	206,499	4,461	SH		OTR		3,309	1,152	0
BROADCOM INC	COM	11135F101	2,059,381	7,471	SH		SOLE		5,925	0	1,546
BROADCOM INC	COM	11135F101	2,898,459	10,515	SH		OTR		10,515	0	0
BROWN & BROWN INC	COM	115236101	223,403	2,015	SH		SOLE		0	0	2,015
CAPITAL ONE FINL CORP	COM	14040H105	216,802	1,019	SH		OTR		1,019	0	0
CAPITAL ONE FINL CORP	COM	14040H105	28,722	135	SH		SOLE		135	0	0
CATERPILLAR INC	COM	149123101	97,052	250	SH		OTR		250	0	0
CATERPILLAR INC	COM	149123101	749,245	1,930	SH		SOLE		1,930	0	0
CBRE GROUP INC	CL A	12504L109	453,288	3,235	SH		SOLE		3,189	0	46
CHEVRON CORP NEW	COM	166764100	1,062,326	7,419	SH		OTR		5,879	1,540	0
CHEVRON CORP NEW	COM	166764100	6,469,467	45,181	SH		SOLE		44,157	850	174
CHIPOTLE MEXICAN GRILL INC	COM	169656105	1,599,095	28,479	SH		SOLE		27,869	500	110
CISCO SYS INC	COM	17275R102	1,299,348	18,728	SH		OTR		18,728	0	0
CISCO SYS INC	COM	17275R102	2,476,657	35,697	SH		SOLE		35,254	0	443
CLOROX CO DEL	COM	189054109	7,204	60	SH		OTR		60	0	0
CLOROX CO DEL	COM	189054109	291,770	2,430	SH		SOLE		2,430	0	0
COCA COLA CO	COM	191216100	923,146	13,048	SH		OTR		11,708	1,340	0
COCA COLA CO	COM	191216100	3,147,455	44,487	SH		SOLE		44,129	0	358
COMCAST CORP NEW	CL A	20030N101	262,321	7,350	SH		OTR		7,350	0	0
COMCAST CORP NEW	CL A	20030N101	179,520	5,030	SH		SOLE		5,030	0	0
CONOCOPHILLIPS	COM	20825C104	1,125,429	12,541	SH		SOLE		12,541	0	0
CONOCOPHILLIPS	COM	20825C104	190,069	2,118	SH		OTR		1,380	738	0
COSTCO WHSL CORP NEW	COM	22160K105	1,822,479	1,841	SH		OTR		1,696	145	0
COSTCO WHSL CORP NEW	COM	22160K105	15,004,520	15,157	SH		SOLE		15,101	0	56
CSW INDUSTRIALS INC	COM	126402106	550,713	1,920	SH		OTR		1,920	0	0
DANAHER CORPORATION	COM	235851102	1,967,103	9,958	SH		SOLE		8,024	0	1,934
DANAHER CORPORATION	COM	235851102	89,288	452	SH		OTR		452	0	0
DEERE & CO	COM	244199105	507,473	998	SH		SOLE		729	0	269
DEERE & CO	COM	244199105	358,485	705	SH		OTR		705	0	0
DISNEY WALT CO	COM	254687106	234,874	1,894	SH		OTR		1,644	250	0
DISNEY WALT CO	COM	254687106	1,420,410	11,454	SH		SOLE		11,454	0	0
DOMINION ENERGY INC	COM	25746U109	63,585	1,125	SH		OTR		1,000	125	0
DOMINION ENERGY INC	COM	25746U109	290,230	5,135	SH		SOLE		5,135	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,557,128	13,196	SH		SOLE		12,461	485	250
DUKE ENERGY CORP NEW	COM NEW	26441C204	384,090	3,255	SH		OTR		2,295	960	0
EATON CORP PLC	SHS	G29183103	94,245	264	SH		OTR		264	0	0
EATON CORP PLC	SHS	G29183103	255,961	717	SH		SOLE		717	0	0
EBAY INC.	COM	278642103	296,350	3,980	SH		OTR		3,980	0	0
ELI LILLY & CO	COM	532457108	301,678	387	SH		OTR		387	0	0
ELI LILLY & CO	COM	532457108	3,227,254	4,140	SH		SOLE		4,037	0	103
EMERSON ELEC CO	COM	291011104	1,111,305	8,335	SH		SOLE		8,335	0	0
EMERSON ELEC CO	COM	291011104	95,997	720	SH		OTR		720	0	0
ENBRIDGE INC	COM	29250N105	1,891,158	41,729	SH		SOLE		41,129	300	300
ENBRIDGE INC	COM	29250N105	341,848	7,543	SH		OTR		5,228	2,315	0
EXXON MOBIL CORP	COM	30231G102	4,880,968	45,278	SH		SOLE		43,928	1,350	0
EXXON MOBIL CORP	COM	30231G102	4,066,216	37,720	SH		OTR		12,300	25,420	0
FERGUSON ENTERPRISES INC	COMMON STOCK NEW	31488V107	265,219	1,218	SH		SOLE		0	0	1,218
FIDELITY COVINGTON TRUST	LOW VOLITY ETF	316092824	4,602,109	73,282	SH		SOLE		73,282	0	0
FIDELITY COVINGTON TRUST	MSCI COMMNTN SVC	316092873	1,504,628	23,216	SH		SOLE		20,616	2,200	400
FIDELITY COVINGTON TRUST	MSCI COMMNTN SVC	316092873	38,886	600	SH		OTR		600	0	0
GALLAGHER ARTHUR J & CO	COM	363576109	115,883	362	SH		OTR		362	0	0
GALLAGHER ARTHUR J & CO	COM	363576109	95,395	298	SH		SOLE		298	0	0
GE AEROSPACE	COM NEW	369604301	360,346	1,400	SH		OTR		1,400	0	0
GE AEROSPACE	COM NEW	369604301	283,129	1,100	SH		SOLE		1,100	0	0
GE VERNOVA INC	COM	36828A101	351,884	665	SH		SOLE		665	0	0
GE VERNOVA INC	COM	36828A101	226,476	428	SH		OTR		428	0	0
GILEAD SCIENCES INC	COM	375558103	472,306	4,260	SH		SOLE		4,260	0	0
GILEAD SCIENCES INC	COM	375558103	694,711	6,266	SH		OTR		6,266	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	475,022	10,900	SH		SOLE		10,900	0	0
GOLDMAN SACHS GROUP INC	COM	38141G104	2,409,181	3,404	SH		SOLE		3,394	0	10
GOLDMAN SACHS GROUP INC	COM	38141G104	320,610	453	SH		OTR		313	140	0
GOOSEHEAD INS INC	COM CL A	38267D109	245,205	2,324	SH		SOLE		0	0	2,324
HERSHEY CO	COM	427866108	277,966	1,675	SH		SOLE		1,675	0	0
HOME DEPOT INC	COM	437076102	5,353,310	14,601	SH		SOLE		14,292	0	309
HOME DEPOT INC	COM	437076102	2,356,395	6,427	SH		OTR		6,287	140	0
HONEYWELL INTL INC	COM	438516106	163,481	702	SH		OTR		632	70	0
HONEYWELL INTL INC	COM	438516106	3,186,031	13,681	SH		SOLE		13,620	0	61
HUDSON PAC PPTYS INC	COM	444097109	41,100	15,000	SH		SOLE		15,000	0	0
ILLINOIS TOOL WKS INC	COM	452308109	485,104	1,962	SH		SOLE		1,962	0	0
ILLINOIS TOOL WKS INC	COM	452308109	55,631	225	SH		OTR		225	0	0
INTEL CORP	COM	458140100	25,648	1,145	SH		SOLE		995	0	150
INTEL CORP	COM	458140100	274,534	12,256	SH		OTR		11,756	500	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	635,250	2,155	SH		SOLE		2,155	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	387,635	1,315	SH		OTR		1,315	0	0
INTUIT	COM	461202103	26,779	34	SH		OTR		34	0	0
INTUIT	COM	461202103	645,856	820	SH		SOLE		537	0	283
INVESCO ACTIVELY MANAGED EXC	TOTAL RETURN	46090A804	315,335	6,725	SH		OTR		6,725	0	0
INVESCO ACTIVELY MANAGED EXC	TOTAL RETURN	46090A804	2,945,442	62,816	SH		SOLE		62,816	0	0
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	11,785,177	563,345	SH		SOLE		562,220	0	1,125
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	1,183,549	56,575	SH		OTR		56,225	350	0
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	508,944	7,280	SH		SOLE		7,280	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	14,296,853	25,917	SH		SOLE		25,814	0	103
INVESCO QQQ TR	UNIT SER 1	46090E103	698,927	1,267	SH		OTR		767	500	0
IRON MTN INC DEL	COM	46284V101	112,109	1,093	SH		OTR		1,093	0	0
IRON MTN INC DEL	COM	46284V101	347,712	3,390	SH		SOLE		3,390	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	375,355	4,530	SH		SOLE		4,530	0	0
ISHARES TR	20 YR TR BD ETF	464287432	191,943	2,175	SH		OTR		2,175	0	0
ISHARES TR	20 YR TR BD ETF	464287432	4,280,654	48,506	SH		SOLE		48,416	0	90
ISHARES TR	3 7 YR TREAS BD	464288661	619,268	5,200	SH		SOLE		5,200	0	0
ISHARES TR	BROAD USD HIGH	46435U853	3,616,639	96,418	SH		SOLE		96,040	58	320
ISHARES TR	BROAD USD HIGH	46435U853	347,642	9,268	SH		OTR		6,368	2,900	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,850,986	29,845	SH		SOLE		29,845	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,672,246	15,301	SH		SOLE		15,301	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	445,684	4,078	SH		OTR		4,078	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,306,994	2,105	SH		SOLE		2,105	0	0
ISHARES TR	CORE US AGGBD ET	464287226	193,440	1,950	SH		OTR		700	1,250	0
ISHARES TR	CORE US AGGBD ET	464287226	3,666,134	36,957	SH		SOLE		36,707	250	0
ISHARES TR	EAFE GRWTH ETF	464288885	1,409,520	12,585	SH		SOLE		12,460	0	125
ISHARES TR	EAFE GRWTH ETF	464288885	20,496	183	SH		OTR		183	0	0
ISHARES TR	ESG OPTIMIZED	464288802	202,800	1,600	SH		OTR		1,600	0	0
ISHARES TR	ESG OPTIMIZED	464288802	395,079	3,117	SH		SOLE		3,117	0	0
ISHARES TR	IBOND DEC 2030	46436E593	79,360	4,000	SH		OTR		1,500	2,500	0
ISHARES TR	IBOND DEC 2030	46436E593	1,795,520	90,500	SH		SOLE		88,000	2,500	0
ISHARES TR	IBONDS 27 TRM TS	46436E841	281,125	12,500	SH		OTR		10,000	2,500	0
ISHARES TR	IBONDS 27 TRM TS	46436E841	2,136,550	95,000	SH		SOLE		95,000	0	0
ISHARES TR	IBONDS DEC 2033	46436E148	61,275	2,500	SH		OTR		0	2,500	0
ISHARES TR	IBONDS DEC 2033	46436E148	747,555	30,500	SH		SOLE		30,500	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	14,597,969	133,181	SH		SOLE		132,761	225	195
ISHARES TR	IBOXX INV CP ETF	464287242	534,896	4,880	SH		OTR		3,730	1,150	0
ISHARES TR	INTL SEL DIV ETF	464288448	569,069	16,490	SH		SOLE		16,490	0	0
ISHARES TR	ISHARES BIOTECH	464287556	268,833	2,125	SH		SOLE		2,125	0	0
ISHARES TR	MSCI EAFE ETF	464287465	616,791	6,900	SH		OTR		6,900	0	0
ISHARES TR	MSCI EAFE ETF	464287465	65,791	736	SH		SOLE		736	0	0
ISHARES TR	MSCI INDIA ETF	46429B598	69,600	1,250	SH		OTR		1,250	0	0
ISHARES TR	MSCI INDIA ETF	46429B598	3,456,781	62,083	SH		SOLE		61,698	0	385
ISHARES TR	MSCI USA MIN VOL	46429B697	3,023,646	32,211	SH		SOLE		32,211	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	150,098	1,599	SH		OTR		799	800	0
ISHARES TR	RUS 1000 ETF	464287622	645,183	1,900	SH		SOLE		1,900	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	63,687	150	SH		OTR		150	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	3,500,662	8,245	SH		SOLE		8,095	0	150
ISHARES TR	RUS 1000 VAL ETF	464287598	271,922	1,400	SH		SOLE		1,400	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	397,917	1,392	SH		OTR		1,392	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	4,945,949	17,302	SH		SOLE		17,114	0	188
ISHARES TR	RUS MD CP GR ETF	464287481	16,409,727	118,328	SH		SOLE		118,018	0	310
ISHARES TR	RUS MD CP GR ETF	464287481	463,052	3,339	SH		OTR		3,314	25	0
ISHARES TR	RUSSELL 2000 ETF	464287655	102,500	475	SH		OTR		475	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	837,265	3,880	SH		SOLE		3,880	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	6,106,122	67,115	SH		SOLE		63,535	2,580	1,000
ISHARES TR	S&P MC 400GR ETF	464287606	605,926	6,660	SH		OTR		6,660	0	0
ISHARES TR	S&P SML 600 GWT	464287887	332,600	2,500	SH		OTR		2,500	0	0
ISHARES TR	SELECT DIVID ETF	464287168	489,404	3,685	SH		OTR		3,685	0	0
ISHARES TR	SELECT DIVID ETF	464287168	4,814,893	36,254	SH		SOLE		34,854	1,400	0
ISHARES TR	U.S. TECH ETF	464287721	424,511	2,450	SH		OTR		2,000	450	0
ISHARES TR	U.S. TECH ETF	464287721	8,679,267	50,091	SH		SOLE		46,941	2,600	550
J P MORGAN EXCHANGE TRADED F	BETABUILDERS EUR	46641Q191	470,128	6,969	SH		SOLE		6,969	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	15,716,239	276,451	SH		SOLE		274,481	1,500	470
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	1,164,856	20,490	SH		OTR		14,085	6,405	0
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	782,250	12,500	SH		SOLE		12,500	0	0
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	93,870	1,500	SH		OTR		0	1,500	0
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	398,480	7,325	SH		OTR		7,275	50	0
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	3,511,356	64,547	SH		SOLE		64,447	0	100
JOHNSON & JOHNSON	COM	478160104	1,387,581	9,084	SH		OTR		7,249	1,835	0
JOHNSON & JOHNSON	COM	478160104	5,275,832	34,539	SH		SOLE		33,884	655	0
JPMORGAN CHASE & CO.	COM	46625H100	2,187,370	7,545	SH		OTR		7,315	230	0
JPMORGAN CHASE & CO.	COM	46625H100	9,135,933	31,513	SH		SOLE		30,380	60	1,073
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	245,790	1,500	SH		SOLE		0	0	1,500
KIMBERLY-CLARK CORP	COM	494368103	485,383	3,765	SH		OTR		3,665	0	100
KIMBERLY-CLARK CORP	COM	494368103	227,672	1,766	SH		SOLE		1,585	0	181
KLA CORP	COM NEW	482480100	1,253,140	1,399	SH		OTR		1,399	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	225,505	899	SH		SOLE		0	0	899
LAM RESEARCH CORP	COM NEW	512807306	170,345	1,750	SH		OTR		1,750	0	0
LAM RESEARCH CORP	COM NEW	512807306	776,189	7,974	SH		SOLE		7,974	0	0
LINDE PLC	SHS	G54950103	282,446	602	SH		SOLE		602	0	0
LINDE PLC	SHS	G54950103	806,989	1,720	SH		OTR		1,720	0	0
LOCKHEED MARTIN CORP	COM	539830109	167,656	362	SH		OTR		362	0	0
LOCKHEED MARTIN CORP	COM	539830109	225,086	486	SH		SOLE		431	0	55
LOWES COS INC	COM	548661107	1,758,319	7,925	SH		SOLE		7,814	85	26
LOWES COS INC	COM	548661107	1,362,281	6,140	SH		OTR		6,140	0	0
MARSH & MCLENNAN COS INC	COM	571748102	2,541,034	11,622	SH		SOLE		11,596	0	26
MARSH & MCLENNAN COS INC	COM	571748102	1,192,462	5,454	SH		OTR		5,274	180	0
MASTERCARD INCORPORATED	CL A	57636Q104	36,526	65	SH		OTR		65	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	2,492,765	4,436	SH		SOLE		4,428	0	8
MCDONALDS CORP	COM	580135101	606,252	2,075	SH		OTR		1,915	160	0
MCDONALDS CORP	COM	580135101	7,783,116	26,639	SH		SOLE		26,442	0	197
MCKESSON CORP	COM	58155Q103	2,050,318	2,798	SH		SOLE		2,798	0	0
MCKESSON CORP	COM	58155Q103	278,456	380	SH		OTR		380	0	0
MERCK & CO INC	COM	58933Y105	2,275,612	28,747	SH		SOLE		26,861	1,200	686
MERCK & CO INC	COM	58933Y105	652,832	8,247	SH		OTR		6,928	1,319	0
META PLATFORMS INC	CL A	30303M102	766,875	1,039	SH		SOLE		757	0	282
META PLATFORMS INC	CL A	30303M102	1,080,563	1,464	SH		OTR		1,464	0	0
MICROSOFT CORP	COM	594918104	10,269,029	20,645	SH		OTR		19,280	1,365	0
MICROSOFT CORP	COM	594918104	27,084,969	54,452	SH		SOLE		52,269	580	1,603
MONDELEZ INTL INC	CL A	609207105	298,961	4,433	SH		OTR		4,433	0	0
MONDELEZ INTL INC	CL A	609207105	189,034	2,803	SH		SOLE		2,803	0	0
MORGAN STANLEY	COM NEW	617446448	405,113	2,876	SH		SOLE		2,876	0	0
MORGAN STANLEY	COM NEW	617446448	402,155	2,855	SH		OTR		2,855	0	0
MORNINGSTAR INC	COM	617700109	297,919	949	SH		SOLE		0	0	949
NCINO INC	COM	63947X101	203,929	7,291	SH		SOLE		0	0	7,291
NETFLIX INC	COM	64110L106	2,608,625	1,948	SH		SOLE		1,843	0	105
NEXTERA ENERGY INC	COM	65339F101	323,566	4,661	SH		OTR		4,401	260	0
NEXTERA ENERGY INC	COM	65339F101	424,225	6,111	SH		SOLE		6,111	0	0
NIKE INC	CL B	654106103	216,387	3,046	SH		SOLE		2,511	0	535
NIKE INC	CL B	654106103	378,288	5,325	SH		OTR		5,325	0	0
NORTHROP GRUMMAN CORP	COM	666807102	1,077,456	2,155	SH		SOLE		2,155	0	0
NVIDIA CORPORATION	COM	67066G104	2,595,775	16,430	SH		OTR		14,430	2,000	0
NVIDIA CORPORATION	COM	67066G104	9,444,168	59,777	SH		SOLE		57,402	0	2,375
ONESTREAM INC	CL A	68278B107	245,162	8,663	SH		SOLE		0	0	8,663
ORACLE CORP	COM	68389X105	12,036,674	55,055	SH		SOLE		55,055	0	0
ORACLE CORP	COM	68389X105	906,221	4,145	SH		OTR		2,945	1,200	0
PALO ALTO NETWORKS INC	COM	697435105	28,649	140	SH		OTR		140	0	0
PALO ALTO NETWORKS INC	COM	697435105	1,290,255	6,305	SH		SOLE		6,273	0	32
PAYCHEX INC	COM	704326107	1,841,523	12,660	SH		SOLE		12,660	0	0
PAYCHEX INC	COM	704326107	305,466	2,100	SH		OTR		2,100	0	0
PEPSICO INC	COM	713448108	1,136,336	8,606	SH		OTR		7,956	650	0
PEPSICO INC	COM	713448108	2,455,547	18,597	SH		SOLE		18,567	0	30
PFIZER INC	COM	717081103	154,893	6,390	SH		OTR		4,390	2,000	0
PFIZER INC	COM	717081103	1,339,938	55,278	SH		SOLE		53,778	1,500	0
PHILIP MORRIS INTL INC	COM	718172109	2,595,352	14,250	SH		SOLE		13,650	600	0
PHILIP MORRIS INTL INC	COM	718172109	722,327	3,966	SH		OTR		2,926	1,040	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	252,296	2,737	SH		SOLE		2,737	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	8,757	95	SH		OTR		95	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,232,387	32,842	SH		SOLE		32,354	300	188
PROCTER AND GAMBLE CO	COM	742718109	2,026,072	12,717	SH		OTR		11,752	965	0
PROGRESSIVE CORP	COM	743315103	510,503	1,913	SH		SOLE		817	0	1,096
PUBLIC STORAGE OPER CO	COM	74460D109	433,674	1,478	SH		SOLE		1,478	0	0
QUANTA SVCS INC	COM	74762E102	1,978,492	5,233	SH		SOLE		5,216	0	17
QUANTA SVCS INC	COM	74762E102	612,489	1,620	SH		OTR		1,435	185	0
REPUBLIC SVCS INC	COM	760759100	373,614	1,515	SH		OTR		1,275	240	0
REPUBLIC SVCS INC	COM	760759100	4,887,563	19,819	SH		SOLE		19,384	135	300
ROSS STORES INC	COM	778296103	409,531	3,210	SH		OTR		3,210	0	0
ROSS STORES INC	COM	778296103	2,973,762	23,309	SH		SOLE		22,969	0	340
RTX CORPORATION	COM	75513E101	611,093	4,185	SH		SOLE		4,185	0	0
RTX CORPORATION	COM	75513E101	559,694	3,833	SH		OTR		2,333	1,500	0
RYAN SPECIALTY HOLDINGS INC	CL A	78351F107	202,474	2,978	SH		SOLE		0	0	2,978
SALESFORCE INC	COM	79466L302	364,586	1,337	SH		SOLE		712	0	625
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	216,517	1,995	SH		SOLE		1,995	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	110,253	1,300	SH		OTR		1,300	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	893,388	10,534	SH		SOLE		10,034	500	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	5,970,232	114,001	SH		SOLE		108,311	4,300	1,390
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	329,931	6,300	SH		OTR		6,300	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	3,556,264	24,107	SH		SOLE		23,107	1,000	0
SELECT SECTOR SPDR TR	INDL	81369Y704	169,648	1,150	SH		OTR		650	500	0
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	374,809	9,049	SH		SOLE		8,966	0	83
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	43,466	200	SH		OTR		200	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,938,583	8,920	SH		SOLE		8,187	733	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,297,787	16,028	SH		SOLE		14,578	1,450	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	572,183	4,245	SH		OTR		4,035	210	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	2,928,986	21,730	SH		SOLE		19,880	1,650	200
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	360,120	4,410	SH		OTR		4,000	410	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	1,815,710	22,235	SH		SOLE		19,691	2,544	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	17,562	200	SH		OTR		200	0	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	1,034,138	11,777	SH		SOLE		11,777	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	159,534	630	SH		OTR		370	260	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	6,570,558	25,947	SH		SOLE		25,783	0	164
SEMPRA	COM	816851109	94,712	1,250	SH		OTR		1,250	0	0
SEMPRA	COM	816851109	472,425	6,235	SH		SOLE		6,235	0	0
SERVISFIRST BANCSHARES INC	COM	81768T108	203,308	2,623	SH		SOLE		0	0	2,623
SHELL PLC	SPON ADS	780259305	234,042	3,324	SH		SOLE		3,324	0	0
SHERWIN WILLIAMS CO	COM	824348106	247,219	720	SH		OTR		720	0	0
SHERWIN WILLIAMS CO	COM	824348106	124,639	363	SH		SOLE		363	0	0
SOUTHERN CO	COM	842587107	2,117,140	23,055	SH		SOLE		21,315	1,300	440
SOUTHERN CO	COM	842587107	241,512	2,630	SH		OTR		1,850	780	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	801,983	1,820	SH		OTR		1,765	55	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	7,320,077	16,612	SH		SOLE		16,577	0	35
SPDR GOLD TR	GOLD SHS	78463V107	7,620	25	SH		OTR		0	25	0
SPDR GOLD TR	GOLD SHS	78463V107	1,094,949	3,592	SH		SOLE		3,592	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	34,415,480	55,702	SH		SOLE		54,358	1,000	344
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,280,783	5,310	SH		OTR		4,925	385	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	6,244,309	11,023	SH		SOLE		10,661	350	12
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	925,628	1,634	SH		OTR		1,634	0	0
SPDR SERIES TRUST	PORTFOLIO SH TSR	78468R101	4,135,835	141,203	SH		SOLE		133,703	7,500	0
SPDR SERIES TRUST	PORTFOLIO SH TSR	78468R101	205,030	7,000	SH		OTR		7,000	0	0
SPDR SERIES TRUST	S&P DIVID ETF	78464A763	2,854,266	21,029	SH		SOLE		20,779	250	0
SPDR SERIES TRUST	S&P DIVID ETF	78464A763	204,952	1,510	SH		OTR		1,510	0	0
STARBUCKS CORP	COM	855244109	409,402	4,468	SH		SOLE		4,468	0	0
STARBUCKS CORP	COM	855244109	99,418	1,085	SH		OTR		1,085	0	0
STRYKER CORPORATION	COM	863667101	2,221,462	5,615	SH		SOLE		5,598	0	17
STRYKER CORPORATION	COM	863667101	995,800	2,517	SH		OTR		2,517	0	0
SYSCO CORP	COM	871829107	269,937	3,564	SH		SOLE		3,215	0	349
TARGET CORP	COM	87612E106	366,978	3,720	SH		OTR		3,720	0	0
TARGET CORP	COM	87612E106	583,613	5,916	SH		SOLE		5,916	0	0
TERRENO RLTY CORP	COM	88146M101	208,019	3,710	SH		SOLE		0	0	3,710
TEXAS INSTRS INC	COM	882508104	176,477	850	SH		OTR		850	0	0
TEXAS INSTRS INC	COM	882508104	840,030	4,046	SH		SOLE		4,046	0	0
THE CIGNA GROUP	COM	125523100	661,160	2,000	SH		SOLE		2,000	0	0
THE CIGNA GROUP	COM	125523100	264,464	800	SH		OTR		800	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	52,709	130	SH		OTR		130	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	905,797	2,234	SH		SOLE		2,222	0	12
TJX COS INC NEW	COM	872540109	216,354	1,752	SH		SOLE		1,752	0	0
TJX COS INC NEW	COM	872540109	463,704	3,755	SH		OTR		3,755	0	0
T-MOBILE US INC	COM	872590104	92,683	389	SH		SOLE		389	0	0
T-MOBILE US INC	COM	872590104	341,426	1,433	SH		OTR		1,433	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	368,736	843	SH		SOLE		843	0	0
TRAVELERS COMPANIES INC	COM	89417E109	461,506	1,725	SH		OTR		200	1,525	0
TRAVELERS COMPANIES INC	COM	89417E109	46,819	175	SH		SOLE		175	0	0
UNION PAC CORP	COM	907818108	1,456,866	6,332	SH		SOLE		6,272	60	0
UNION PAC CORP	COM	907818108	24,158	105	SH		OTR		0	105	0
UNITED PARCEL SERVICE INC	CL B	911312106	380,039	3,765	SH		OTR		3,650	115	0
UNITED PARCEL SERVICE INC	CL B	911312106	383,572	3,800	SH		SOLE		3,800	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	506,951	1,625	SH		OTR		1,555	70	0
UNITEDHEALTH GROUP INC	COM	91324P102	2,209,059	7,081	SH		SOLE		7,067	0	14
VANECK ETF TRUST	GREEN BOND ETF	92189F171	351,116	14,485	SH		SOLE		14,485	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	10,349,747	23,608	SH		SOLE		23,358	0	250
VANGUARD INDEX FDS	GROWTH ETF	922908736	732,566	1,671	SH		OTR		1,471	200	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	228,621	817	SH		SOLE		817	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	466,585	5,239	SH		OTR		5,239	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	122,902	1,380	SH		SOLE		1,380	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,558,139	6,264	SH		SOLE		6,264	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	164,728	290	SH		OTR		290	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	8,618,372	31,120	SH		SOLE		30,975	0	145
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	19,385	70	SH		OTR		65	5	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	303,930	1,000	SH		SOLE		1,000	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	425,502	1,400	SH		OTR		1,400	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	141,360	1,824	SH		OTR		1,824	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	1,546,512	19,955	SH		SOLE		19,955	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	441,270	9,000	SH		SOLE		9,000	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	1,793,896	23,635	SH		SOLE		23,620	0	15
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	153,697	2,025	SH		OTR		2,025	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	751,548	3,672	SH		SOLE		3,672	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	389,606	6,834	SH		SOLE		6,834	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	28,505	500	SH		OTR		500	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	2,874,163	21,560	SH		SOLE		21,310	250	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	140,642	1,055	SH		OTR		1,055	0	0
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	2,914,401	36,380	SH		SOLE		36,380	0	0
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	62,485	780	SH		OTR		750	30	0
VERIZON COMMUNICATIONS INC	COM	92343V104	253,302	5,854	SH		OTR		3,854	2,000	0
VERIZON COMMUNICATIONS INC	COM	92343V104	468,397	10,825	SH		SOLE		9,825	1,000	0
VICTORY PORTFOLIOS II	SHARES FREE CASH	92647X830	106,050	3,000	SH		OTR		250	2,750	0
VICTORY PORTFOLIOS II	SHARES FREE CASH	92647X830	2,141,503	60,580	SH		SOLE		60,580	0	0
VISA INC	COM CL A	92826C839	8,596,115	24,211	SH		SOLE		22,613	75	1,523
VISA INC	COM CL A	92826C839	2,580,503	7,268	SH		OTR		5,478	1,790	0
WALMART INC	COM	931142103	3,831,607	39,186	SH		SOLE		38,931	255	0
WALMART INC	COM	931142103	3,069,607	31,393	SH		OTR		31,393	0	0
WASTE CONNECTIONS INC	COM	94106B101	324,145	1,736	SH		SOLE		361	0	1,375
WASTE MGMT INC DEL	COM	94106L109	90,383	395	SH		OTR		395	0	0
WASTE MGMT INC DEL	COM	94106L109	2,012,929	8,797	SH		SOLE		8,297	500	0
WELLS FARGO CO NEW	COM	949746101	163,444	2,040	SH		SOLE		2,040	0	0
WELLS FARGO CO NEW	COM	949746101	210,315	2,625	SH		OTR		2,625	0	0
WELLTOWER INC	COM	95040Q104	253,500	1,649	SH		OTR		1,649	0	0
YUM BRANDS INC	COM	988498101	1,565,077	10,562	SH		SOLE		10,562	0	0
YUM BRANDS INC	COM	988498101	254,869	1,720	SH		OTR		1,720	0	0
ZOETIS INC	CL A	98978V103	981,081	6,291	SH		SOLE		5,725	75	491
ZOETIS INC	CL A	98978V103	374,435	2,401	SH		OTR		1,921	480	0

Check here if Amendment:	☐ Amendment Number:
This Amendment (Check only one.):	☐ is a restatement. ☐ adds new holdings entries.

Name:	Mechanics Bank Trust Department
Address:	1111 Civic Drive, Suite 333

	Walnut Creek, CA 94596
Form 13F File Number:	028-13144

Name:	Yolanda Johnson
Title:	Trust Operations Manager
Phone:	805-269-7075

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	373
Form 13F Information table Value Total:	697499071 (thousands)

Institutional Investment Manager Filing this Report:

Signature, Place, and Date of Signing:

Report Type (Check only one.):

Form 13F Summary Page

Report Summary:

List of Other Included Managers: