Tony P. Kallingal - 02 Sep 2025 Form 4 Insider Report for Mechanics Bancorp (HMST)

Role: EVP & Chief Banking Officer
Signature: /s/ Glenn Shrader, Attorney in fact for Tony P. Kallingal
Issuer symbol: HMST
Transactions as of: 02 Sep 2025
Net transactions value: -$63,889
Form type: 4
Filing time: 05 Jan 2026, 19:47:38 UTC
Next filing: 18 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Kallingal Tony P	EVP & Chief Banking Officer	1111 CIVIC DR STE 390, SUITE 390, WALNUT CREEK	/s/ Glenn Shrader, Attorney in fact for Tony P. Kallingal	05 Jan 2026	0002102022

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	MCHB	Class A Common Stock	Award		+10,216			10,216	02 Sep 2025	Direct	F1, F2
transaction	MCHB	Class A Common Stock	Award	$0	+20,000	+196%	$0.000000	30,216	26 Sep 2025	Direct
transaction	MCHB	Class A Common Stock	Tax liability	$63,889	-4,367	-14%	$14.63	25,849	31 Dec 2025	Direct

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	MCHB	Incentive Units - Deferred	Award	$0	+38,214	+6935%	$0.000000	38,765	02 Sep 2025	Class A Common Stock	38,214		Direct	F2, F3, F4, F5
transaction	MCHB	Incentive Units - Not Deferred (2024)	Award	$0	+13,742		$0.000000	13,742	02 Sep 2025	Class A Common Stock	13,742		Direct	F2, F3, F6

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Received in exchange for an aggregate of 3.09 shares of Mechanics Bank ("MB") original voting common stock and MB restricted stock units in connection with the merger of HomeStreet Bank, a wholly owned subsidiary of Issuer, with and into MB, pursuant to which MB continued as the surviving corporation and as a wholly owned subsidiary of Issuer (the "Merger").
F2	As consideration for the Merger, (i) each share of MB voting common stock converted into the right to receive 3,301.0920 shares of Issuer Class A Common Stock, which, on the effective date of the Merger, had a closing price of $13.87 per share, (ii) each MB restricted stock unit of the Reporting Person converted into restricted stock units of Issuer for the right to receive 3,301.0920 shares of Issuer Class A Common Stock, and (iii) each MB incentive unit of the Reporting Person converted into incentive units of Issuer of the economic equivalent of 3,301.0920 shares of Issuer Class A Common Stock.
F3	Each incentive unit is the economic equivalent of one share of Issuer Class A Common Stock.
F4	The Reporting Person has elected to defer payment on such incentive units until the earlier of (i) the retirement or termination of the Reporting Person, or (ii) a change in control of Issuer.
F5	Includes 551 incentive units acquired on December 15, 2025 pursuant to dividend reinvestment.
F6	The incentive units vest in three equal annual installments beginning February 15, 2026.