CVB Financial Corp
cbbank.comWhat Do They Do?
Provides banking, lending, and trust and investment services to small and medium-sized businesses and their owners, professionals, and individuals in California.
10-K for FY2025, filed Feb 27, 2026The Bank's goal is to be the premier financial services company operating throughout the state of California, servicing the comprehensive…View ↗
We offer a wide range of bank deposit instruments. These include checking, savings, money market and certificates of time deposit for both…View ↗
We provide a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans…View ↗
In addition, we offer a wide range of financial services and trust services through our CitizensTrust division. These services include…View ↗
How Do They Make Money?
Deposit-account customers pay account-analysis and monthly service fees plus transaction fees; payment is primarily collected immediately or the following month. Trust customers pay monthly fees based on managed assets and fees for other services; merchants pay based on monthly card sales, usually collected immediately or the following month.
10-K for FY2025, filed Feb 27, 2026Service charges on deposit accounts consist of account analysis fees earned on analyzed business checking accounts, monthly service fees…View ↗
Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and customer…View ↗
The Bank generates revenues from merchant servicing to its clients. A fee schedule is part of the contract and is calculated based on sales…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Revenue from contract with customer, including assessed tax) ↗
$593.3M
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10-K for FY2025, filed Feb 27, 2026
$593.3M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service Charges on Deposit Accounts
Mix
10-K for FY2025, filed Feb 27, 2026 |
52%
FY2022: 62%
|
Service Charges on Deposit Accounts, FY2025
$19.5M Sources
|
Mix |
|
Trust and Investment Services
|
40%
FY2022: 34%
|
Trust and Investment Services, FY2025
$15M Sources
|
|
|
Bankcard Services
Usage-based
|
7.3%
FY2022: 4.3%
|
Bankcard Services, FY2025
$2.7M Sources
|
Usage-based |
Who Are Their Customers?
The Bank serves customers through its banking centers; its trust offices act as sales offices for wealth management, trust and investment products.
10-K for FY2025, filed Feb 27, 2026
Do Revenues Turn Into Profits?
Yes. It kept 35 cents of every revenue dollar as net income in FY2025 and turned 37 cents into free cash flow.
10-K for FY2025, filed Feb 27, 2026
$314MView ↗
10-K for FY2025, filed Feb 27, 2026
$209.3MView ↗
10-K for FY2025, filed Feb 27, 2026
$217.3MView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
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Apr 21, 2026
Completed the acquisition of Heritage Commerce Corp
Heritage Bank of Commerce merged into Citizens Business Bank in the related bank merger.
Sources
8-K, filed Apr 21, 2026
Effective April 17, 2026 (the “Closing Date”), CVB Financial Corp., a California corporation (“CVBF” or the “Company”) completed its…View ↗
Growing. Revenue grew 41% in 4 years, from $420.6M in FY2021 to $593.3M in FY2025, about 9% a year.
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