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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Mechanics Bank

Mansfield, Ohio · $896M in assets · beside the 11 other Ohio banks between $300M and $1B

The filing

93.8%
Loans / deposits
12th of 12
4.8%
CRE / loans
1st of 12
44.1%
CRE / capital
1st of 12

Mechanics Bank is the third largest of the 12 Ohio banks nearest its size between $300M and $1B, with $896M in assets at 30 June 2026. Loans are 93.8% of deposits, the highest in the cohort against a median of 76.9%, and equity is 7.8% of assets, 9th of 12. Loans grew +9.2% in the year, 5th of 12, and deposits grew 5.1%; the cohort's median loan growth is +6.8%.

Noncurrent loans are 0.42% of the book, 10th of 12 against a median of 0.17%; 0.10% is 30 to 89 days past due, and the allowance covers them 2.4 times. Commercial real estate is 4.8% of loans, the lowest in the cohort against a median of 16.0%, and 44% of capital, below the 300% screen, with construction at 13% against the 100% screen. CRE has grown +60.8% over 36 months, past the guidance's 50% prong.

Return on assets is 0.72%, 11th of 12 against a median of 1.26%, on an efficiency ratio of 75.3%, 10th of 12. Five years ago it was 0.73%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansOH banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 16.0% MB Mechanics Bank 4.8% CB Community Bank 11.8% AB Andover Bank 12.4% FF First Federal Community Bank N.A. 13.0% BS Belmont Savings Bank 14.7% KS Killbuck Savings Bank Co. 15.8% GN Greenville National Bank 16.1% PB Peoples Bank Co. 20.1% GB Genoa Banking Co. 20.5% OF Old Fort Banking Co. 25.4% UB Unified Bank 30.6% MB Minster Bank 32.7%
Loans, year over yearOH banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.8% KS Killbuck Savings Bank Co. +15.2% MB Minster Bank +14.5% FF First Federal Community Bank N.A. +13.9% GB Genoa Banking Co. +9.6% MB Mechanics Bank +9.2% OF Old Fort Banking Co. +6.9% BS Belmont Savings Bank +6.8% PB Peoples Bank Co. +6.6% GN Greenville National Bank +4.7% AB Andover Bank +4.2% CB Community Bank +3.6% UB Unified Bank -0.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Mechanics BankRankCohort median
Total CRE against capital, the 300% screen44%1st of 1294%
Construction against capital, the 100% screen13%3rd of 1224%
Construction and land development, share of loans1.4%3rd of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans1.7%1st of 127.4%
Total CRE, the guidance definition, share of loans4.8%1st of 1216.0%
CRE growth over 36 months, the third prong+60.8%8th of 12+42.5%
Commercial real estate against capital, the 300% screenOH banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 94% MB Mechanics Bank 44% AB Andover Bank 57% BS Belmont Savings Bank 65% CB Community Bank 74% PB Peoples Bank Co. 84% GN Greenville National Bank 87% FF First Federal Community Bank N.A. 101% KS Killbuck Savings Bank Co. 104% OF Old Fort Banking Co. 150% MB Minster Bank 169% UB Unified Bank 183% GB Genoa Banking Co. 187%
CRE growth over 36 months, the guidance's third prongOH banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +42.5% UB Unified Bank +0.7% CB Community Bank +7.6% KS Killbuck Savings Bank Co. +16.8% OF Old Fort Banking Co. +19.9% GN Greenville National Bank +30.2% FF First Federal Community Bank N.A. +36.5% GB Genoa Banking Co. +48.5% MB Mechanics Bank +60.8% PB Peoples Bank Co. +74.9% MB Minster Bank +85.1% BS Belmont Savings Bank +89.3% AB Andover Bank +287.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Community Bank N.A.$995M1.8%43.4%0.08%0.00%1.0%84.9%8.8%
Killbuck Savings Bank Co.$954M1.1%60.9%0.01%0.00%0.8%78.5%8.4%
Mechanics Bank$896M0.7%75.3%0.42%0.00%1.0%93.8%7.8%
Unified Bank$872M1.4%63.7%1.29%0.02%0.9%70.7%8.7%
Peoples Bank Co.$859M1.6%38.4%0.13%0.01%1.3%62.3%9.7%
Old Fort Banking Co.$844M1.4%56.9%0.20%0.01%1.1%62.0%6.8%
Minster Bank$812M1.6%50.2%0.14%0.01%1.2%64.3%8.9%
Genoa Banking Co.$748M0.8%71.5%0.01%0.04%1.0%85.8%7.3%
Community Bank$680M1.2%68.9%0.23%0.08%1.0%80.1%10.3%
Greenville National Bank$641M1.7%49.3%0.05%0.03%1.4%84.0%12.5%
Belmont Savings Bank$613M0.3%77.9%1.67%0.02%0.9%75.3%10.7%
Andover Bank$595M0.8%76.8%0.26%0.02%0.6%50.9%6.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mechanics BankCohort median
20212026Change20212026Change
Loans$536M$741M+38%$338M$482M+43%
Deposits$690M$790M+15%$552M$711M+29%
NPA / loans0.24%0.42%+0.18 pts0.27%0.17%-0.10 pts
Efficiency69.1%75.3%+6.3 pts61.4%62.3%+1.0 pts
ROA0.73%0.72%-0.01 pts1.05%1.26%+0.21 pts

This read was prepared for Mechanics Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Mechanics Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $300M to $1B
Institution www.mymechanics.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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