Statement of Changes in Beneficial Ownership (Form 4)

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 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 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 (City) (State) (Zip) 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 3,398 A (1) 16,642 D Class A Common Stock 02/15/2026 F 1,400 D $15.37 15,242 D Class A Common Stock 02/15/2026 M 1,961 A (1) 17,203 D Class A Common Stock 02/15/2026 F 808 D $15.37 16,395 D Class A Common Stock 02/15/2026 M 2,915 A (1) 19,310 D Class A Common Stock 02/15/2026 F 1,201 D $15.37 18,109 D

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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 Underlying Securities (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

1,961

D

Incentive Units - Not Deferred (2024)

(2)

02/15/2026

M

2,915

(5)

(5)

Class A Common Stock

2,915

$ 0

5,830

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Shields Kristie S 1111 CIVIC DRIVE SUITE 390 WALNUT CREEK, CA 94596			EVP & Chief Compliance Counsel

Signatures

/s/ Glenn Shrader, Attorney in fact for Kristie S. Shields		02/18/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(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.

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