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        <link:definition>9955525 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)</link:definition>
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        <link:definition>9955527 - Disclosure - BUSINESS COMBINATION - Preliminary Purchase Price Allocation and Assets Acquired and Liabilities (Details)</link:definition>
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        <link:definition>9955528 - Disclosure - BUSINESS COMBINATION - Amount of Expenses Related to Merger (Details)</link:definition>
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        <link:definition>9955530 - Disclosure - DEBT SECURITIES - Unrealized Gain/Loss on Investment (Details)</link:definition>
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  <xs:element id="mchb_MarketableSecuritiesMember" abstract="true" name="MarketableSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_DemandDepositAccountsPublic" abstract="false" name="DemandDepositAccountsPublic" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_TrustDepositsInExcessOfFDICInsuranceLimitRequiringSecuritiesCollateralization" abstract="false" name="TrustDepositsInExcessOfFDICInsuranceLimitRequiringSecuritiesCollateralization" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_FinancingReceivableConsumerLoansBorrowerInCustodyProgramMember" abstract="true" name="FinancingReceivableConsumerLoansBorrowerInCustodyProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_InvestmentSecuritiesFederalReserveDiscountWindowProgramMember" abstract="true" name="InvestmentSecuritiesFederalReserveDiscountWindowProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_BrokeredAndWholesaleDebtMember" abstract="true" name="BrokeredAndWholesaleDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged" abstract="false" name="FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" abstract="false" name="FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_SeniorNotes6.50Due2026Member" abstract="true" name="SeniorNotes6.50Due2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_ThreePointFivePercentSubordinatedNotesDueTwentyThirtyTwoMember" abstract="true" name="ThreePointFivePercentSubordinatedNotesDueTwentyThirtyTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_HomeStreetStatutoryTrustPreferredSecuritiesIMember" abstract="true" name="HomeStreetStatutoryTrustPreferredSecuritiesIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_HomeStreetStatutoryTrustPreferredSecuritiesIIMember" abstract="true" name="HomeStreetStatutoryTrustPreferredSecuritiesIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_HomeStreetStatutoryTrustPreferredSecuritiesIIIMember" abstract="true" name="HomeStreetStatutoryTrustPreferredSecuritiesIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_HomeStreetStatutoryTrustPreferredSecuritiesIVMember" abstract="true" name="HomeStreetStatutoryTrustPreferredSecuritiesIVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_TrustPreferredSecuritiesMember" abstract="true" name="TrustPreferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_CooperativeRabobankU.A.CRUAMember" abstract="true" name="CooperativeRabobankU.A.CRUAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_DerivativeAssetFairValueAmountOffsetAgainstOtherDerivatives" abstract="false" name="DerivativeAssetFairValueAmountOffsetAgainstOtherDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_DerivativeLiabilityFairValueAmountOffsetAgainstOtherDerivatives" abstract="false" name="DerivativeLiabilityFairValueAmountOffsetAgainstOtherDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_CREMultifamilyAndSBAMember" abstract="true" name="CREMultifamilyAndSBAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_GainOnMortgageLoanOriginationAndSaleActivitiesTable" abstract="true" name="GainOnMortgageLoanOriginationAndSaleActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="mchb_GainOnMortgageLoanOriginationAndSaleActivitiesLineItems" abstract="true" name="GainOnMortgageLoanOriginationAndSaleActivitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_NetGainsLossesOnMortgageLoanOriginationAndSalesActivitiesIncludingDiscontinuedOperations" abstract="false" name="NetGainsLossesOnMortgageLoanOriginationAndSalesActivitiesIncludingDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_RepresentationsAndWarrantiesReserveForLoanReceivablesMember" abstract="true" name="RepresentationsAndWarrantiesReserveForLoanReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_LossContingencyAccrualPaymentsRecoveriesNet" abstract="false" name="LossContingencyAccrualPaymentsRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_GinnieMaeEarlyBuyoutLoansMember" abstract="false" name="GinnieMaeEarlyBuyoutLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_ServiceAdvances" abstract="false" name="ServiceAdvances" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ServicingIncomeNetAbstract" abstract="true" name="ServicingIncomeNetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_ServicingFeesAndOther" abstract="false" name="ServicingFeesAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ChangesInFairValueOfMortgageServicingRightsDueToOtherModeledAssumptions" abstract="false" name="ChangesInFairValueOfMortgageServicingRightsDueToOtherModeledAssumptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ChangesInFairValueOfMortgageServicingRightsDueToModeledAmortization" abstract="false" name="ChangesInFairValueOfMortgageServicingRightsDueToModeledAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ServicingFeesNetOfAmortization" abstract="false" name="ServicingFeesNetOfAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_RiskManagementSingleFamilyMSRsAbstract" abstract="true" name="RiskManagementSingleFamilyMSRsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_DerivativeGainLossOnDerivativeNetAndDebtSecuritiesTradingUnrealizedGainLoss" abstract="false" name="DerivativeGainLossOnDerivativeNetAndDebtSecuritiesTradingUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_MortgageServicingRightsRiskManagement" abstract="false" name="MortgageServicingRightsRiskManagement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_AdditionsAndAmortizationAbstract" abstract="true" name="AdditionsAndAmortizationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_ServicingAssetWeightedAverageMeasurementInput" abstract="false" name="ServicingAssetWeightedAverageMeasurementInput" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mchb_ConstantPrepaymentRateAbstract" abstract="true" name="ConstantPrepaymentRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_ImpactOnFairValueOfTenPercentIncreaseConstantPrepaymentRate" abstract="false" name="ImpactOnFairValueOfTenPercentIncreaseConstantPrepaymentRate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ImpactOnFairValueOfTwentyPercentIncreaseConstantPrepaymentRate" abstract="false" name="ImpactOnFairValueOfTwentyPercentIncreaseConstantPrepaymentRate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_DiscountRateAbstract" abstract="true" name="DiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mchb_ImpactOnFairValueOfHundredBasisPointsIncreaseDiscountRate" abstract="false" name="ImpactOnFairValueOfHundredBasisPointsIncreaseDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ImpactOnFairValueOfTwoHundredBasisPointsIncreaseDiscountRate" abstract="false" name="ImpactOnFairValueOfTwoHundredBasisPointsIncreaseDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ServicingAssetAtAmortizedCostAcquired" abstract="false" name="ServicingAssetAtAmortizedCostAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_LossSharingRelationshipWithFannieMaeMember" abstract="true" name="LossSharingRelationshipWithFannieMaeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_ForwardLoanSaleCommitmentsMember" abstract="true" name="ForwardLoanSaleCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_FairValueMeasurementTransfersBetweenWithLevelsOfHierarchyForAssetsAndLiabilitiesHeld" abstract="false" name="FairValueMeasurementTransfersBetweenWithLevelsOfHierarchyForAssetsAndLiabilitiesHeld" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_MeasurementInputImpliedSpreadMember" abstract="true" name="MeasurementInputImpliedSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_MeasurementInputFallOutFactorMember" abstract="true" name="MeasurementInputFallOutFactorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_MeasurementInputValueOfServicingMember" abstract="true" name="MeasurementInputValueOfServicingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_ThirdPartyAppraisalDiscountForMarketConditionsMember" abstract="true" name="ThirdPartyAppraisalDiscountForMarketConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_ThirdPartyAppraisalEstimatedSellingCostsMember" abstract="true" name="ThirdPartyAppraisalEstimatedSellingCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_InternalEvaluationEstimatedSellingCostsMember" abstract="true" name="InternalEvaluationEstimatedSellingCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_InternalEvaluationVacancyCollectionLossConcessionsAdjustmentMember" abstract="true" name="InternalEvaluationVacancyCollectionLossConcessionsAdjustmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_CapitalizationRateMember" abstract="true" name="CapitalizationRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mchb_DebtSecuritiesAvailableForSaleMember" abstract="true" name="DebtSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPayoffSales" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPayoffSales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ThirdPartyEvaluationEstimatedSellingCostsMember" abstract="true" name="ThirdPartyEvaluationEstimatedSellingCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_IncomeApproachVacancyCollectionLossConcessionsMember" abstract="true" name="IncomeApproachVacancyCollectionLossConcessionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_GainLossOnRemeasurementOfFairValueOfCollateralDependentImpairedLoans" abstract="false" name="GainLossOnRemeasurementOfFairValueOfCollateralDependentImpairedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ThirdPartyAppraisalMember" abstract="true" name="ThirdPartyAppraisalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_RealEstateAcquiredThroughForeclosureFairValueDisclosure" abstract="false" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_LoanAndLeaseReceivablesFairValueDisclosure" abstract="false" name="LoanAndLeaseReceivablesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_FairValueOptionLoansHeldAsAssetsAggregateUnpaidPrincipalBalance" abstract="false" name="FairValueOptionLoansHeldAsAssetsAggregateUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_CommonStockDividendCalculationRatioNumberOfSharesUsedToCalculateEconomicRightsOnAnAsIfConvertedBasis" abstract="false" name="CommonStockDividendCalculationRatioNumberOfSharesUsedToCalculateEconomicRightsOnAnAsIfConvertedBasis" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mchb_MechanicsBancorp2025EquityIncentivePlanMember" abstract="true" name="MechanicsBancorp2025EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_AdjustmentsToAdditionalPaidInCapitalEquityAwardsReclassifiedFromLiabilityToEquity" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalEquityAwardsReclassifiedFromLiabilityToEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mchb_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendsReinvestedIntoShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendsReinvestedIntoShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mchb_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendsReinvestedIntoSharesWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendsReinvestedIntoSharesWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="mchb_VotingCommonStockMember" abstract="true" name="VotingCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_CommonStockNumberOfClassesAuthorized" abstract="false" name="CommonStockNumberOfClassesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mchb_NumberOfVotesEntitledPerShare" abstract="false" name="NumberOfVotesEntitledPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mchb_NumberOfCommonStockClassAToClassBConversionMultiplierForEconomicRights" abstract="false" name="NumberOfCommonStockClassAToClassBConversionMultiplierForEconomicRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mchb_TonyKallingalMember" abstract="true" name="TonyKallingalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mchb_GlennShraderMember" abstract="true" name="GlennShraderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
