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MCHB on Nasdaq

Mechanics Bancorp

Mechanics Bancorp is an American state commercial bank based in Walnut Creek, listed on Nasdaq (MCHB).1

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Last updated Oct 21, 2026.

Overview

$49.7MRevenue, fiscal 20252
$265.7MNet income, fiscal 20252

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  • TickerMCHB on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersWalnut Creek, California1
  • Incorporated inWA3
  • Business address1111 Civic Drive, Suite 390, Walnut Creek, Ca 945963
  • Filer categoryAccelerated filer, Smaller reporting company3

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We typically require full recourse from the owners of the entities to which we make such loans.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

534.4%Net margin2
3.3%Revenue growth, 20252
9.3%Return on equity2
0.07×Debt to equity2
$187.1MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Products And Services, Service Charges On Deposit Accounts brought in 47% of the revenue Mechanics Bancorp broke down this way in fiscal 2025.

  1. Products And Services, Service Charges On Deposit Accounts$23.2M247%down 2% from 2024
  2. Products And Services, ATM Network Fee Income$13.5M227%up 11% from 2024
  3. Products And Services, Trust Fees And Commissions$13.0M226%up 6% from 2024
Products and services by year
Products and services20242025
Products And Services, Service Charges On Deposit Accounts$23.6M$23.2M
Products And Services, ATM Network Fee Income$12.2M$13.5M
Products And Services, Trust Fees And Commissions$12.3M$13.0M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax17¢$53.8M
  • Profit83¢$265.7M

Out of $49.7M in revenue.2

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$6.5M
  • Dividends paid25¢$48.6M
  • Kept or used elsewhere72¢$138.5M

Out of $193.6M of cash from operations.2

Financial statements

Revenue2$49.7M in 2025+3% since 2024
0$20.0M$40.0M$60.0M2024: $48.1M$48.1M20242025: $49.7M$49.7M2025+3%
Net income567892$265.7M in 2025+564% since 2018
-$100.0M0$100.0M$200.0M$300.0M2018: $40.0M$40.0M20182019: $17.5M$17.5M2019−56%2020: $80.0M$80.0M2020+357%2021: $115.4M$115.4M2021+44%2022: $66.5M$66.5M2022−42%2023: -$27.5M-$27.5M20232024: $29.0M$29.0M20242025: $265.7M$265.7M2025+816%

Every line of the income statement as filed: the last 2 fiscal years (annual) or 1 quarters (quarterly), latest first.2

Period ending2025-12-312024-12-31
Loans interest and fees$572.3M$528.5M
Investment securities$179.4M$131.8M
Interest-bearing cash and other$60.1M$75.4M
Total interest income$811.8M$735.7M
Deposits$219.6M$189.3M
Borrowings$124.0K$26.4M
Long-term debt$6.3M$862.0K
Total interest expense$226.0M$216.5M
Net interest income$585.7M$519.2M
Provision (reversal of provision) for credit losses on loans$20.5M-$1.6M
Ending balance-$987.0K$52.0K
Net interest income after provision for credit losses$566.2M$520.7M
Noninterest income$49.7M$48.1M
Loan servicing income$2.9M$968.0K
Net gain (loss) on sales and calls of investment securities$4.6M-$207.2M
Income from bank owned life insurance$4.8M$2.6M
Bargain purchase gain$145.5M$0
Other$15.4M$16.4M
Total noninterest income (loss)$222.9M-$139.1M
Salaries and employee benefits$219.3M$191.2M
Occupancy$37.8M$32.3M
Equipment$29.3M$23.4M
Professional services$23.2M$21.4M
FDIC assessments and regulatory fees$9.0M$14.6M
Amortization of intangible assets$17.1M$13.4M
Data processing$11.7M$8.9M
Loan related$13.0M$7.0M
Marketing and advertising$3.1M$3.3M
Other real estate owned related$2.5M$2.5M
Acquisition and integration costs$73.4M$0
Other$30.1M$27.9M
Total noninterest expense$469.6M$345.9M
Income before income tax expense$319.6M$35.7M
INCOME TAX EXPENSE$53.8M$6.7M
NET INCOME$265.7M$29.0M
Basic (in dollars per share)$1.27$0.14
Diluted earnings per share (in dollars per share)$1.27$0.14
Basic (in shares)208.6M shares202.0M shares
Diluted (in shares)208.7M shares202.1M shares

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Corporate structure

Mechanics Bancorp sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Mechanics Bancorp

  • Mechanics Bancorp Walnut Creek, California

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Mechanics Bancorp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Buildings and improvements$42.4M9 Dec 31, 2024$42.2M9 Dec 31, 2023+0.5%
Furniture and fixtures$56.1M9 Dec 31, 2024$56.8M9 Dec 31, 2023−1.2%
Leasehold improvements$37.3M9 Dec 31, 2024$38.9M9 Dec 31, 2023−4.1%
Property and equipment, before depreciation$309.3M2 Dec 31, 2025$182.8M2 Dec 31, 2024+69.2%
Accumulated depreciation$165.4M2 Dec 31, 2025$65.5M2 Dec 31, 2024+152.7%
Property and equipment, net$143.9M2 Dec 31, 2025$117.4M2 Dec 31, 2024+22.6%
Finance-lease assets$48.0K9 Dec 31, 2024$318.0K9 Dec 31, 2023−84.9%
Operating-lease assets (leased space)$82.1M2 Dec 31, 2025$53.5M2 Dec 31, 2024+53.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$1.0B2 Dec 31, 2025$999.7M2 Dec 31, 2024+3.0%
Loans, net of allowance$14.0B2 Dec 31, 2025$9.6B2 Dec 31, 2024+46.8%
Deposits held (banks)$19.0B2 Dec 31, 2025$13.9B2 Dec 31, 2024+36.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$843.3M2 Dec 31, 2025$843.3M2 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$212.5M2 Dec 31, 2025$38.7M2 Dec 31, 2024+448.4%
Finite-lived intangibles, gross$374.3M2 Dec 31, 2025$186.0M2 Dec 31, 2024+101.3%
Accumulated amortization$159.5M2 Dec 31, 2025$144.9M2 Dec 31, 2024+10.1%
Finite-lived intangibles, net$212.5M2 Dec 31, 2025$38.7M2 Dec 31, 2024+448.4%

Properties, in its own words

We own 91% of our principal corporate office, which is located at 1111 Civic Drive, Walnut Creek, CA 94596. This

building provides sufficient space to conduct the management of our business. As of December 31, 2025, we operated in

The rest of Item 2

166 retail deposit branches throughout California, Washington, Oregon and Hawaii. We also operated in 18 facilities for

the purpose of administrative and other functions in addition to our principal corporate office, including corporate offices in

Seattle, Washington, Irvine, California and Roseville, California, and other administrative and support facilities located

primarily in California and Washington. Other than our principal corporate office, we own 45 retail deposit branches, 50%

of a retail branch through a joint venture, one operations support facility and one administrative office. All other locations

are leased.

Item 2 of the 10-K filed Mar 17, 2026.4

Leadership

Who has led Mechanics Bancorp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Coleman James Johnson2026–now

President

  1. Coleman James Johnson2026–now

Chief financial officer

  1. David E. Hooston2012
  2. Melba Bartels2015–2017
  3. Mark R. Ruh2017–2020
  4. John Michel2020–2026
  5. Nathan Duda2026–now

Chief operating officer

  1. Troy Harper2023
201520202025
Board members and other officers (60)

Former names

  • HomeStreet, Inc.May 6, 2011 to Aug 22, 20253

Timeline

  1. Sep 17, 20268-K Other events81
  2. Aug 20, 20268-K Other events82
  3. Jul 29, 20268-K Results of operations; Regulation FD disclosure83
  4. Jun 1, 20268-K Shareholder vote84
  5. May 13, 20268-K Other events85
  6. May 5, 20268-K Other events86
  7. Apr 30, 20268-K Results of operations; Regulation FD disclosure87
  8. Feb 27, 20268-K Bylaws or fiscal year changed; Other events88
  9. Jan 30, 20268-K Results of operations; Regulation FD disclosure89
  10. Jan 5, 2026New chief executive Coleman James Johnson becomes CEO14
  11. Dec 9, 20258-K Entered a material agreement; Other events90
  12. Nov 26, 20258-K Other events91
  13. Oct 30, 20258-K Results of operations92

Calendar

Coming up

  1. Oct 28, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.26 a share, on Oct 30, 2025.93

When it reported results

  1. Jul 29, 2026Reported quarterly or annual results83
  2. Apr 30, 2026Reported quarterly or annual results87
  3. Jan 30, 2026Reported quarterly or annual results89
  4. Oct 30, 2025Reported quarterly or annual results92
  5. Oct 30, 2025Reported quarterly or annual results94
  6. Jul 28, 2025Reported quarterly or annual results95
  7. Apr 28, 2025Reported quarterly or annual results96
  8. Jan 27, 2025Reported quarterly or annual results97

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

489 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 102 major events, 257 insider forms, 25 large holders, 84 other. The latest 20:

  1. Sep 17, 20268-K EDGAR
  2. Aug 20, 20268-K EDGAR
  3. Aug 7, 202610-Q EDGAR
  4. Jul 29, 20268-K EDGAR
  5. Jun 24, 202611-K EDGAR
  6. Jun 17, 20264 EDGAR
  7. Jun 1, 20268-K EDGAR
  8. May 29, 20264 EDGAR
  9. May 29, 20264 EDGAR
  10. May 29, 20264 EDGAR
  11. May 29, 20264 EDGAR
  12. May 29, 20264 EDGAR
  13. May 29, 20264 EDGAR
  14. May 29, 20264 EDGAR
  15. May 13, 20268-K EDGAR
  16. May 8, 202610-Q EDGAR
  17. May 5, 20268-K EDGAR
  18. Apr 30, 20268-K EDGAR
  19. Apr 16, 2026DEFA14A EDGAR
  20. Apr 16, 2026DEF 14A EDGAR

The 489 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

35 open-market trades by officers, directors and large owners since October 2021: 26 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 15, 2026Downer Edward MichaelDirectorSale2$15.13$30Form 4
Dec 18, 2024Parr David LEVP, DIR. OF COMM'L BANKINGSale5,210$11.53$60.1KForm 4
Dec 18, 2024VAN AMEN DARRELLEVP, Chief Investment OfficerSale4,541$11.67$53.0KForm 4
Dec 17, 2024Tompkins Sidney CraigDirectorBuy5,000$11.49$57.5KForm 4
Dec 17, 2024Hand Erik DEVP, Mortgage Lending DirectorSale5,000$11.45$57.2KForm 4
Nov 27, 2024Harrell Joanne RDirectorBuy1,818$11.55$21.0KForm 4
Nov 26, 2024Harrell Joanne RDirectorBuy2,146$11.65$25.0KForm 4
Nov 26, 2024EVANS GODFREY BEVP - General CounselSale4,636$11.55$53.5KForm 4
Nov 21, 2024MICHEL JOHNEVP, Chief Financial OfficerSale8,000$11.26$90.1KForm 4
Aug 30, 2024LEMON PAULETTEEVP - Retail Banking DirectorSale2,401$15.59$37.4KForm 4
Mar 15, 2024Harrell Joanne RDirectorBuy1,685$14.87$25.1KForm 4
May 12, 2023MICHEL JOHNEVP, Chief Financial OfficerBuy10,000$5.99$59.9KForm 4
May 5, 2023Endresen WilliamEVP, Comm'l RE & Capital Pres.Buy1,500$6.21$9.3KForm 4
May 5, 2023Hand Erik DEVP, Mortgage Lending DirectorBuy3,167$6.25$19.8KForm 4
May 5, 2023Parr David LEVP, DIR. OF COMM'L BANKINGBuy1,000$6.41$6.4KForm 4
May 5, 2023BOGGS SCOTT MDirectorBuy1,000$6.33$6.3KForm 4
May 4, 2023Hand Erik DEVP, Mortgage Lending DirectorBuy5,000$5.04$25.2KForm 4
May 4, 2023Endresen WilliamEVP, Comm'l RE & Capital Pres.Buy2,000$5.82$11.6KForm 4
May 4, 2023Hand Erik DEVP, Mortgage Lending DirectorBuy5,000$5.04$25.2KForm 4
May 3, 2023Patterson Mark RobertDirectorBuy49,983$6.46$322.9KForm 4

All 35 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Mark K. Mason$1.3M$6.6M107
2025William D. Endresen$309.4K$2.6M107
2025John M. Michel$352.0K$2.5M107
2025Nathan Duda47$200.0K$1.1M107
2025Scott Givans64$179.0K$936.8K107
2024Former ChiefExecutive Officer$850.3K$2.0M107
2024Former Commercial Real Estate PresidentEVP$427.9K$1.1M107
2024Former Chief Financial OfficerEVP$486.7K$1.0M107

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.3,082,045$49.0M0.0%−344,519
Mechanics Bank Trust Department2,242,540$35.7M4.4%−59,421
State Street Corp1,722,446$27.4M0.0%+12,021
Vanguard Capital Management LLC1,649,674$26.2M0.0%−430,765
Geode Capital Management, LLC1,377,662$21.9M0.0%−42,857
Composition Wealth, LLC1,115,781$17.7M0.2%No change
Bank of New York Mellon Corp1,088,061$17.3M0.0%−10,339
Dimensional Fund Advisors LP761,455$12.1M0.0%−11,913
Charles Schwab Investment Management Inc532,287$8.5M0.0%−112,286
Sculptor Capital LP512,727$8.2M0.1%No change
Simcoe Capital LLC507,384$8.1M4.9%+159,651
Two Sigma Investments, LP507,019$8.1M0.0%+357,462
Goldman Sachs Group Inc452,348$7.2M0.0%−228,187
J. Goldman & Co LP449,959$7.2M0.3%−234,226
Renaissance Technologies LLC418,892$6.7M0.0%+205,418
Citadel Advisors LLC392,567$6.2M0.0%+228,205
Alliancebernstein L.P.392,493$5.8M0.0%−252,488
Northern Trust Corp354,036$5.6M0.0%−19,912
Siena Capital Partners GP, LLC353,216$5.6M1.4%No change
Morgan Stanley318,288$5.1M0.0%−63,061
First Trust Advisors LP318,115$5.1M0.0%+239,813
Vanguard Fiduciary Trust Co303,976$4.8M0.0%−5,335
Nuveen, LLC300,888$4.8M0.0%+205,001
CenterBook Partners LP281,168$4.5M0.2%−234,557
Vanguard Portfolio Management LLC269,588$4.3M0.0%−9,715

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Mechanics Bancorp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARMechanics Bancorp1
  • CIK0001518715
  • Employer ID (EIN)91-01866004
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inWashington4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1111 Civic Drive, Suite 390, Walnut Creek, CA 945961
  • Phone206-623-30501
  • Shares outstanding220,274,082 Common Class A shares; 1,114,448 Common Class B shares as of Mar 9, 20264
  • Public float$238.0M as of Jun 30, 20254
  • AuditorCrowe LLP, Sacramento, California PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMay 6, 20111
  • Filings1,983 in all: 4 (998), 8-K (336), 4/A (86), 3 (73), 425 (52), DEFA14A (51), SC 13G/A (45), 10-Q (44)1
    All 58 form types

    DFAN14A (38), CORRESP (26), 8-K/A (22), UPLOAD (21), 3/A (17), SC 13G (16), 10-K (15), SC 13D/A (15), 11-K (12), DEF 14A (12), FWP (11), S-1/A (10), SCHEDULE 13G/A (7), EFFECT (6), 144 (5), S-8 (5), ARS (4), DEFC14A (4), PREC14A (4), 424B5 (3), CT ORDER (3), PRRN14A (3), 10-K/A (2), 424B3 (2), DEFM14A (2), DEFR14A (2), NT 10-K (2), NT 10-Q (2), PRER14A (2), S-3 (2), S-3/A (2), S-4 (2), SC 13D (2), 11-K/A (1), 305B2 (1), 424B4 (1), 5 (1), 8-A12B (1), CERTNAS (1), DEL AM (1), DFRN14A (1), POS AM (1), POS462B (1), PREM14A (1), S-1 (1), S-1MEF (1), S-3ASR (1), S-4/A (1), SCHEDULE 13D (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 17, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 16, 2026
    Latest 8-K (8-K) Sep 17, 2026

Securities registered for trading

ClassSymbolExchange
Class A Common StockMCHBNasdaq Global Select Market

From the cover page of the 10-K filed Mar 17, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks Mechanics Bancorp names in Item 1A of its 10-K filed Mar 17, 2026: 76 risks under these headings, as written.4

  • adverse effect on our business, financial condition, results of operations and future growth prospects or cause our actual
  • results to differ materially from those contained in forward-looking statements we have made or may make from time to
  • time. In these circumstances, the market price of our common stock could decline, and you may lose all or part of your
  • investment. We cannot assure you that any of the events discussed below will not occur. In addition, other risk factors not
  • currently known to us or that we currently deem immaterial could adversely affect our business, financial condition, results
  • of operations and future growth. Therefore, the risk factors below should not be considered all the risks we might face. In
  • addition, other risk factors not currently known to us or that we currently deem immaterial could adversely affect our
  • business, financial condition, results of operations and future growth. Therefore, the risk factors below should not be
  • considered all the risks we might face.
  • Risks Related to Post-Merger Integration
  • We expect to continue to incur substantial costs related to integration as a result of the Merger, and these costs may be
  • greater than anticipated due to unexpected events.
The other 65 risks
  • Operating Mechanics Bancorp and its subsidiaries may be more difficult, costly or time-consuming than expected, and
  • we may fail to realize the anticipated benefits of the Merger.
  • Our operating results may suffer if we do not effectively manage our expanded operations.
  • Risks Related to the Industry and Macroeconomic Conditions
  • Events impacting the financial services industry may adversely affect our business and the market price of Mechanics
  • Bancorp’s common stock.
  • The soundness of other financial institutions could adversely affect our business.
  • Liquidity, primarily through deposits, is essential to our business, and a lack of liquidity, or an increase in the cost of
  • liquidity could materially impair our ability to fund our operations and jeopardize our consolidated financial condition,
  • consolidated results of operations and cash flows.
  • Our business and results of operations may be adversely affected by unpredictable economic, market and business
  • levels and overall results.
  • Inflationary pressures and rising prices may affect our results of operations and financial condition.
  • An adverse change in real estate market values may result in losses and otherwise adversely affect our profitability.
  • Climate change could adversely affect our business and performance, including indirectly through impacts on our
  • Risks Relating to Our Business and Operations
  • Our allowances for credit losses for loans and debt securities may prove inadequate or we may be negatively affected by
  • credit risk exposures. Future additions to our allowance for credit losses will reduce our future earnings.
  • We may suffer losses in our loan portfolio despite strict adherence to our underwriting practices.
  • Our mortgage origination business is subject to fluctuations based upon seasonal and other factors.
  • Our geographic concentration may magnify the adverse effects and consequences of any regional or local economic
  • We rely upon independent appraisals to determine the value of the real estate that secures a substantial portion of our
  • loans, and the values indicated by such appraisals may not be realizable if we are forced to foreclose upon such loans.
  • Some of the small- to medium-sized businesses that we lend to may have fewer resources to weather adverse business
  • developments, which may impair our borrowers’ ability to repay loans.
  • Our risk management processes may not fully identify and mitigate exposure to the various risks that we face, including
  • interest rate, credit, liquidity and market risk.
  • Our hedging strategies may not be successful in mitigating our exposure to interest rate risk.
  • Negative publicity regarding us, or financial institutions in general, could damage our reputation and adversely impact
  • our business and results of operations.
  • We may be subject to environmental liability risk associated with lending activities.
  • New lines of business, products, product enhancements or services may subject us to additional risk.
  • We may fail to adapt our services to changes in the marketplace related to mortgage servicing or origination, technology
  • or in changes in the requirements of governmental authorities and customers.
  • If we fail to develop, implement and maintain an effective system of internal control over financial reporting, then the
  • accuracy and timing of our financial reporting in future periods may be adversely affected.
  • We may identify material weaknesses in our internal control over financial reporting in the future or fail to maintain an
  • effective system of internal control over financial reporting, which may result in material misstatements of our financial
  • We may ultimately write off goodwill and other intangible assets resulting from business combinations.
  • We are dependent on our management team, and the loss of our senior executive officers or other key employees could
  • impair our relationship with customers and adversely affect our business and financial results.
  • We are subject to losses due to fraudulent and negligent acts.
  • We are subject to legal claims and litigation, including potential securities law liabilities, any of which could have a
  • material adverse effect on our business.
  • We are subject to employee class action lawsuits or other legal proceedings, which could result in significant expenses
  • and harm our reputation.
  • We may need to raise additional capital, but additional capital may not be available.
  • We face strong competition from other financial institutions and financial service companies, which may adversely
  • affect our operations and financial condition.
  • Regulatory restrictions may delay, impede or prohibit our ability to consider certain acquisitions and opportunities.
  • We are subject to extensive supervision and regulation that could restrict our activities and impose financial
  • requirements or limitations on the conduct of our business and limit our ability to generate income.
  • Our failure to comply with stringent capital requirements could result in regulatory criticism, requirements and
  • restrictions, and we may be subject to more stringent capital requirements in the future.
  • Federal and state regulators periodically examine our business, and we may be required to remediate adverse
  • examination findings.
  • We face risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering
  • statutes and regulations.
  • Mechanics Bancorp primarily relies on dividends from Mechanics Bank, which may be limited by applicable laws and
  • regulations.
  • Market conditions or Company-specific issues may restrict our ability to raise debt or capital to pay off our debts upon
  • Our level of indebtedness following the completion of the Merger could adversely affect our ability to raise additional
  • capital or to meet our obligations.
  • Risks Related to Our Technology Infrastructure
  • Our operational systems and networks have been, and will continue to be, subject to an increasing risk of continually
  • evolving cybersecurity or other technological risks, which could result in a loss of customer business, financial liability,
  • regulatory penalties, damage to our reputation or the disclosure of confidential information.
  • The financial services industry is characterized by rapid technological change, and if we fail to keep pace, our business

Legal proceedings

Because the nature of our business involves the collection of numerous accounts, the validity of liens and compliance with

various state and federal lending laws, we are subject to various legal proceedings in the ordinary course of our business

related to foreclosures, bankruptcies, condemnation and quiet title actions and alleged statutory and regulatory violations.

We are also subject to other legal proceedings in the ordinary course of business. There are currently no matters that, in the

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

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  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
  54. 54
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69
  70. 70
  71. 71
  72. 72
  73. 73
  74. 74
  75. 75
  76. 76
  77. 77
  78. 78
  79. 79
  80. 80
  81. 81
    SEC EDGAROther events
  82. 82
    SEC EDGAROther events
  83. 83
  84. 84
  85. 85
    SEC EDGAROther events
  86. 86
    SEC EDGAROther events
  87. 87
  88. 88
  89. 89
  90. 90
  91. 91
    SEC EDGAROther events
  92. 92
  93. 93
  94. 94
  95. 95
  96. 96
  97. 97
  98. 98
  99. 99
  100. 100
  101. 101
  102. 102
  103. 103
  104. 104
  105. 105
  106. 106
  107. 107