Company: CVBF
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0000950170-25-029985
Chunk: 326

Company: CVB FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 326
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 than 10.0% and a Tier 1 leverage ratio equal to or greater than 5.0%.  At December 31, 2024, the Bank and the Company exceeded the minimum risk-based capital ratios and leverage ratios required to be considered “well-capitalized” for regulatory purposes.  For further information about capital requirements and our capital ratios, see “Item 1. Business—Regulation and Supervision—Capital Adequacy Requirements”. 

68

At December 31, 2024, the Bank and the Company exceeded the minimum risk-based capital ratios and leverage ratios, under the revised capital framework referred to as Basel III, required to be considered “well-capitalized” for regulatory purposes.   

The table below presents the Company’s and the Bank’s risk-based and leverage capital ratios for the periods presented. 

    December 31, 2024
     
    December 31, 2023

    Capital Ratios
     
    AdequatelyCapitalizedRatios
     
    MinimumRequiredPlus CapitalConservationBuffer
     
    WellCapitalizedRatios
     
    CVB FinancialCorp.Consolidated
     
    CitizensBusinessBank
     
    CVB FinancialCorp.Consolidated
     
    CitizensBusinessBank

    Tier 1 leverage capital ratio
     
    4.00%
     
    4.00%
     
    5.00%
     
    11.46%
     
    11.30%
     
    10.27%
     
    10.17%

    Common equity Tier 1 capital ratio
     
    4.50%
     
    7.00%
     
    6.50%
     
    16.24%
     
    16.01%
     
    14.65%
     
    14.49%

    Tier 1 risk-based capital ratio
     
    6.00%
     
    8.50%
     
    8.00%
     
    16.24%
     
    16.01%
     
    14.65%
     
    14.49%

    Total risk-based capital ratio
     
    8.00%
     
    10.50%
     
    10.00%
     
    17.06%
     
    16.82%
     
    15.50%