The Mechanics Bank operates more than 30 branches serving the San Francisco Bay and greater Sacramento areas of California. It offers standard products such as checking and savings accounts, CDs, and Visa credit and debit cards. Commercial real estate loans account for more than half of the bank's loan portfolio, followed by consumer installment, commercial and industrial, construction and land development, and residential mortgage loans. The bank also offers investment management, trust, financial planning, private banking, brokerage, and retirement plan administration services. Descendents of founder E.M. Downer control The Mechanics Bank.
The Mechanics Bank has recorded a profit every year for more than 70 years and 2011 was no exception. The bank's net income increased some 56%, from $11 million to more than $17 million. Improved credit quality was the main factor in the bank's results.
In order to keep up with the tech-savvy clientele of its market area, The Mechanics Bank places an emphasis on technology, and significantly upgraded its online banking capabilities in 2011. – less