{ "schemaVersion": 1, "organisationId": "O-5edc8ef64e954f2b95361b7629396685", "slug": "cvb-financial-corp", "name": "CVB FINANCIAL CORP", "updatedAt": "2026-10-02T13:43:55.255076Z", "sections": [ { "type": "OVERVIEW", "text": "CVB Financial Corp. is a California bank holding company whose principal subsidiary, Citizens Business Bank, National Association, provides community and commercial banking, with a focus on small and midsize businesses and their owners. Its services also include personal banking, lending, treasury and cash management, wealth management, trust and investment services. The company describes its goal as being California’s premier financial-services company serving businesses and their owners. [P49498759][P106784753][P86469496]\n\nThe company’s business is centered on California rather than a global branch network. At December 31, 2025, the bank reported 62 banking centers, one loan-production office and three trust offices in the state. CVB Financial reported $15.63 billion in assets at year-end 2025 and 1,079 employees; its 2025 results included $460.3 million in net interest income before provision for credit losses and $55.2 million in noninterest income. [P41977435][P87041501][https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm][T11545732]\n[P49498759][P106784753][P86469496][P41977435][P87041501][https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm][T11545732][https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm]", "updatedAt": "2026-10-02T13:43:55.255076Z" }, { "type": "PRODUCTS", "text": "CVB Financial Corp. offers business and consumer deposit products, including checking, savings, money-market accounts, certificates of deposit, liquidity and sweep services, and CDARS. Its treasury-management services include ACH and wire transfers, remote deposit capture, Positive Pay, and cash-management tools; business customers also have online banking access. [https://www.cbbank.com/banking/checking-deposit-liquidity/][https://www.cbbank.com/banking/treasury-management-services/][https://www.cbbank.com/banking/online-banking/]\n\nLending products include commercial lines of credit, term and construction loans, commercial real-estate financing, equipment and agricultural loans, and residential and consumer loans. The bank’s SBA offerings include 504 financing for capital expenditures and commercial real estate, and 7(a) loans—including Express revolving lines—for working capital, capital expenditures, or commercial-property purchases and refinancing. As of June 30, 2026, SBA 504 balances were $355.4 million and SBA 7(a) balances were $79.2 million. [P154806691][P154806694][https://www.cbbank.com/commercial-lending/]\n\nOther services include CitizensTrust trust and investment services, Bay View Funding’s receivables factoring for business working capital, customer interest-rate swaps, and international services such as letters of credit, documentary collections, and foreign exchange. The average life of factored receivables was 34 days in the first half of 2026; at June 30, 2026, customer swaps numbered 97, with $277.6 million in aggregate notional value. [P154806276][P154806691][P154806473][https://www.cbbank.com/investing/][https://www.cbbank.com/banking/business/international-services/]\n\nAt June 30, 2026, real-estate loans represented 77.6% of the total loan portfolio, including commercial real estate at 74.8%. Dairy, livestock, and agribusiness loans totaled $281.0 million. [P154806346]\n[P154806276][P154806691][P154806694][P154806473][P154806346][https://www.cbbank.com/banking/checking-deposit-liquidity/][https://www.cbbank.com/banking/treasury-management-services/][https://www.cbbank.com/banking/online-banking/][https://www.cbbank.com/commercial-lending/][https://www.cbbank.com/investing/][https://www.cbbank.com/banking/business/international-services/]", "updatedAt": "2026-10-02T13:43:55.255076Z" }, { "type": "GEOGRAPHY", "text": "CVB Financial Corp. operates its banking network in California, with more than 75 banking centers and three trust-office locations. Its principal executive offices are in Ontario, California; the company’s location finder lists individual offices across the state, including in West Sacramento and San Diego. [https://investors.cbbank.com/][https://www.cbbank.com/about-us/locations/][P97841755]\n\nThe company’s loan portfolio is concentrated in California: as of June 30, 2026, 96.8% of loans were attributed to California and 3.2% to out-of-state areas. The largest reported regional concentrations were Los Angeles County (27.0%), Central Valley and Sacramento (16.9%), Orange County (10.8%), Santa Clara (9.0%), and the Inland Empire (8.7%). These figures describe loan balances, not revenue. [P154806697][P154806698] CVB reports one operating segment, and the cited filings do not provide geographic revenue or employee distribution by location. [P82354877]\n[P97841755][P154806697][P154806698][P82354877][https://investors.cbbank.com/][https://www.cbbank.com/about-us/locations/]", "updatedAt": "2026-10-02T13:43:55.255076Z" }, { "type": "SEGMENTS", "text": "CVB Financial Corp. reports one operating and reportable segment, comprising its banking business; it does not disclose separate reportable segments for individual divisions, products, or service lines. The banking divisions serve similar primarily commercial clients with comparable products, processes, and platforms, and are reviewed together by the chief operating decision maker. [P154806287][P920031]\n\nThe banking business includes accepting deposits, lending, investing, and trust and investment-related services provided through CitizensTrust, serving primarily small- to mid-sized businesses and individuals in California. [P88303449] As the sole reportable segment, it represents approximately 100% of the company’s reported business by attribution; the company does not provide a separate segment-revenue breakdown. [P102603309][P154806287]\n[P154806287][P920031][P88303449][P102603309]", "updatedAt": "2026-10-02T13:43:55.255076Z" }, { "type": "HISTORY", "text": "Chino Valley Bank was founded in Southern California on August 9, 1974, by George A. Borba Sr. and local business leaders. CVB Financial Corp. was incorporated in 1981 and acquired the bank in a reorganization that year; the bank took the name Citizens Business Bank in 1996. [https://www.cbbank.com/about-us/][P83258321][P28675562] In 1999, CVB combined with Orange National Bancorp and its bank, and in 2002 it acquired Western Security Bank, expanding its branch network. [https://www.sec.gov/Archives/edgar/data/354647/000035464799000008/0000354647-99-000008.txt][https://cbbank.gcs-web.com/news-releases/news-release-details/citizens-business-bank-acquires-western-security-bank/]\n\nCVB expanded further with its 2017 acquisition of Valley Commerce Bancorp and the 2018 merger with Community Bank. [P184757805][https://www.sec.gov/Archives/edgar/data/354647/000119312518246343/d587635dex991.htm] David A. Brager became CEO in March 2020, succeeding Christopher D. Myers. [P96504146][https://www.businesswire.com/news/home/20200219006007/en/CVB-Financial-Corp.-Announces-Appointment-David-A.] In December 2025, Citizens Business Bank converted to a national bank charter, and in April 2026 CVB completed its merger with Heritage Commerce Corp.; Heritage Bank of Commerce merged into Citizens Business Bank, National Association. [P28675562][P27774504][https://www.cbbank.com/news-media/cvb-financial-corp-announces-completion-of-merger-with-heritage-commerce-corp/]\n[P83258321][P28675562][https://www.cbbank.com/about-us/][https://www.sec.gov/Archives/edgar/data/354647/000035464799000008/0000354647-99-000008.txt][https://cbbank.gcs-web.com/news-releases/news-release-details/citizens-business-bank-acquires-western-security-bank/][P184757805][https://www.sec.gov/Archives/edgar/data/354647/000119312518246343/d587635dex991.htm][P96504146][https://www.businesswire.com/news/home/20200219006007/en/CVB-Financial-Corp.-Announces-Appointment-David-A.][P27774504][https://www.cbbank.com/news-media/cvb-financial-corp-announces-completion-of-merger-with-heritage-commerce-corp/][https://www.cbbank.com/about-us/][https://www.sec.gov/Archives/edgar/data/354647/000035464799000008/0000354647-99-000008.txt][https://cbbank.gcs-web.com/news-releases/news-release-details/citizens-business-bank-acquires-western-security-bank/][https://www.sec.gov/Archives/edgar/data/354647/000119312518246343/d587635dex991.htm][https://www.businesswire.com/news/home/20200219006007/en/CVB-Financial-Corp.-Announces-Appointment-David-A.][https://www.cbbank.com/news-media/cvb-financial-corp-announces-completion-of-merger-with-heritage-commerce-corp/]", 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