Mechanics Bank is a bank based in Walnut Creek, California, established in 1905, with $21.4 billion in total assets across 171 branches. By Trust Grade it ranks 113th of 117 banks we track in California. Its capital ratio of 13.7% is stronger than 82% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.87% return on assets. Consumers filed 335 complaints about MECHANICS BANK with the CFPB — 15.7 per $1B in assets, a higher rate than 87% of peers.
How Mechanics Bank compares to California peers
How we graded Mechanics Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.7% capital ratio)
- Profitable (ROA 0.87%)
- 15.7 complaints per $1B in assets
Consumer complaints (CFPB)
335 complaints filed with the CFPB against MECHANICS BANK — 15.7 per $1B in assets.
Branch locations (171)
- 1571 Mission Dr, Solvang, CA 93463
- 1111 Civic Dr, Walnut Creek, CA 94596
- 1026 E Grand Ave, Arroyo Grande, CA 93420
- 1207 Maricopa Hwy, Ojai, CA 93023
- 1003 I St, Reedley, CA 93654
- 3757 State St, Santa Barbara, CA 93105
- 307 Main St, Salinas, CA 93901
- 149 E Hobsonway, Blythe, CA 92225
- 10601 Merritt St, Castroville, CA 95012
- 400 Alta St, Gonzales, CA 93926
- 61 W Highway 246, Buellton, CA 93427
- 801 San Pablo Ave, Albany, CA 94706
- 9996 San Pablo Ave, El Cerrito, CA 94530
- 3884 San Pablo Dam Rd, El Sobrante, CA 94803
- 2690 Pinole Valley Rd, Pinole, CA 94564
- 4100 Macdonald Ave, Richmond, CA 94805
- 20 San Pablo Towne Center, San Pablo, CA 94806
- 4 W Richmond Ave, Point Richmond, CA 94801
- 1350 N Main St, Walnut Creek, CA 94596
- 1015 Adams St, Saint Helena, CA 94574
- 2301 Shattuck Ave, Berkeley, CA 94704
- 904 4th St, San Rafael, CA 94901
- 1801 Solano Ave, Berkeley, CA 94707
- 57500 29 Palms Hwy, Yucca Valley, CA 92284
- 905 Guadalupe St, Guadalupe, CA 93434
- 17123 Main St, Hesperia, CA 92345
- 42138 Big Bear Blvd, Big Bear Lake, CA 92315
- 11906 Main St, Fort Jones, CA 96032
- 63729 Hwy 96, Happy Camp, CA 96039
- 6950 El Camino Real, Atascadero, CA 93422
- 5956 Calle Real, Goleta, CA 93117
- 899 W Grand Ave, Grover Beach, CA 93433
- 519 E Main St, Santa Maria, CA 93454
- 1110 E Clark Ave, Santa Maria, CA 93455
- 75 Santa Rosa St, San Luis Obispo, CA 93405
- 615 W Tefft St, Nipomo, CA 93444
- 914 Carpinteria St, Santa Barbara, CA 93103
- 845 Spring St, Paso Robles, CA 93446
- 1554 S Broadway, Santa Maria, CA 93454
- 1070 Main St, Cambria, CA 93428
Are deposits at Mechanics Bank insured?
Yes. Mechanics Bank is an FDIC-insured bank (FDIC certificate #1768). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Mechanics Bank: frequently asked questions
Is Mechanics Bank a good bank?
Mechanics Bank earns a Bankzia Trust Grade of C (71/100, "Average"), based on a financial-strength score of 97/100 and a customer-experience score of 44.156716417910445/100. Strongly capitalized (13.7% capital ratio); Profitable (ROA 0.87%).
Is Mechanics Bank FDIC-insured?
Yes. Mechanics Bank is a FDIC-insured bank (FDIC certificate #1768). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Mechanics Bank?
Mechanics Bank holds $21.4 billion in total assets, ranking 113th of 117 banks we track in California. It operates 171 branches.
How many complaints does Mechanics Bank have?
Consumers filed 335 complaints about MECHANICS BANK with the CFPB, or 15.7 per $1B in assets. 100% were answered on time. 3% closed with relief to the consumer.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
