# EDGAR Filing Document

**Accession Number:** 0000354647
**File Stem:** 0000950170-25-098132
**Filing Date:** 2025-7
**Character Count:** 23923
**Document Hash:** e3d48418004bec6f765ca31bb697120f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950170-25-098132.hdr.sgml**: 20250724

**ACCESSION NUMBER**: 0000950170-25-098132

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 65

**CONFORMED PERIOD OF REPORT**: 20250723

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250724

**DATE AS OF CHANGE**: 20250724

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CVB FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000354647
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 953629339
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-10140
- **FILM NUMBER:** 251144434

**BUSINESS ADDRESS:**
- **STREET 1:** 701 N HAVEN AVE STE 300
- **CITY:** ONTARIO
- **STATE:** CA
- **ZIP:** 91764
- **BUSINESS PHONE:** 9099804030

**MAIL ADDRESS:**
- **STREET 1:** 701 N HAVEN AVENUE
- **CITY:** ONTARIO
- **STATE:** CA
- **ZIP:** 91764

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## **FORM** 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** July 23, 2025<br>

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CVB Financial Corp.

**(Exact name of Registrant as Specified in Its Charter)**

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---

| | | |
|:---|:---|:---|
| California | 000-10140 | 95-3629339 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 701 N HAVEN AVE<br>STE 350 |  |  |
| ONTARIO **,** California |  | 91764 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code:** 909 980-4030<br>

Not Applicable

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common Stock, No Par Value | CVBF | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## **Item 7.01 Regulation FD Disclosure.** 
The President and Chief Executive Officer and Chief Financial Officer of CVB Financial Corp. (the "Company") will make presentations to institutional investors at various meetings throughout the third quarter of 2025. The July 2025 slide presentation, updated to reflect second quarter 2025 financial information, is included as Exhibit 99.1 of this report. The information in this report (including Exhibits 99.1) shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other documents filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by the specific reference in such filing. A copy of the slide presentation will also be available on the Company's website at www.cbbank.com under the "Investors" tab.

## **Item 9.01 Financial Statements and Exhibits.** 
(d) Exhibits

Exhibit No. Description

99.1 [<u>Copy of the CVB Financial Corp. July 2025 slide presentation.</u>](cvbf-ex99_1.htm)

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | CVB FINANCIAL CORP. |
| Date: | July 24, 2025 | By:  | /s/ E. Allen Nicholson |
|  |  |  | E. Allen Nicholson<br>Executive Vice President and Chief Financial Officer |

---

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## Exhibit 99.1

![Slide 1](cvbf-ex99_1s1.jpg)

July 2025 Exhibit 99.1

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![Slide 2](cvbf-ex99_1s2.jpg)

Forward Looking Statements This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of the management of CVB Financial Corp. and Citizens Business Bank (collectively, the "Company") and are subject to significant risks and uncertainties that could cause actual results or performance to differ materially from those projected. You should not place undue reliance on these statements. Factors that could cause the Company's actual results to differ materially from those described in the forward-looking statements include, among others, changes in the U.S. economy or local, regional and global business, economic or political conditions; changes in laws or the regulatory environment, including banking, immigration, trade, tariff, monetary and fiscal policies and laws; inflation or deflation, interest rate, market and monetary fluctuations; possible changes in our levels of capital or liquidity or our access to government or private lending facilities; possible credit related impairments, goodwill impairments or declines in the fair value of our loans and securities; our ability to retain and grow deposits, including low cost deposits; the effect of acquisitions we have made or may make; changes in the competitive environment, including technological changes; changes in the commercial and residential real estate markets; changes in customer preferences, borrowing and savings habits; systemic or non-systemic bank failures or crises; geopolitical conditions, threats or events involving terrorism or military action or conflict, catastrophic events or natural disasters such as earthquakes, droughts, pandemics, climate change and extreme weather; fraud and cybersecurity threats; and ongoing or unanticipated legal or regulatory proceedings or outcomes. These factors also include those contained in the Company's filings with the Securities and Exchange Commission, including the "Risk Factors" section of the Company's Annual Report on Form 10-K for the year ended December 31, 2024. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements that the Company or its management may make from time to time. These forward-looking statements speak solely as of the date they are made and are based only on information then actually known to the Company's executives who are making the associated statements. The Company does not undertake to update any forward-looking statements except as required by law. Non-GAAP Financial Measures—Certain financial information provided in this presentation has not been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and is presented on a non-GAAP basis. Investors and analysts should refer to the reconciliations included in this presentation and should consider the Company's non-GAAP measures in addition to, not as a substitute for or as superior to, measures prepared in accordance with GAAP. These measures may or may not be comparable to similarly titled measures used by other companies.

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![Slide 3](cvbf-ex99_1s3.jpg)

Total Assets: $15.4 Billion Gross Loans: $8.4 Billion Total Deposits (Including Repos): $12.4 Billion Total Equity: $2.2 Billion CVB Financial Corp. (CVBF) Largest financial institution headquartered in the Inland Empire region of Southern California. Founded in 1974.

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![Slide 4](cvbf-ex99_1s4.jpg)

As of 01/22/2025 CVB Financial Corp. is the holding company for Citizens Business Bank SNL Financial ranking of largest bank holding companies in CA, as of 12/31/2023 Bank Accomplishments & Ratings 193 Consecutive Quarters or over 48 Years of Profitability 143 Consecutive Quarters of Cash Dividends Forbes, Best Banks in America (2016 – 2025)\* Ranked #1 Forbes, Best Banks in America (2016, 2020, 2021, 2023) Ranked in S&P Global Market Intelligence's Top 50 2024 Public Banks Bauer Financial Report Five Star Superior Rating 65 Consecutive Quarters Fitch Rating BBB+ (March 2025) One of the 10 largest bank holding companies in CA \* Not eligible for rankings in 2018

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![Slide 5](cvbf-ex99_1s5.jpg)

62 Business Financial Centers 3 CitizensTrust Locations Corporate Office Business Financial Centers CitizensTrust

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![Slide 6](cvbf-ex99_1s6.jpg)

Our Vision Citizens Business Bank will strive to become the premier financial services company operating throughout the state of California, servicing the comprehensive financial needs of successful small to medium sized businesses and their owners.

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![Slide 7](cvbf-ex99_1s7.jpg)

Target Customer The best privately-held and/or family-owned businesses throughout California Annual revenues of $1-300 million Top 25% in their respective industry Full relationship banking Build long-term relationships

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![Slide 8](cvbf-ex99_1s8.jpg)

Three Areas of Growth DeNovo San Diego (2014) Oxnard (2015) Santa Barbara (2015) San Diego (2017) Stockton (2018) Modesto (2020) Acquisitions American Security Bank (2014) County Commerce Bank (2016) Valley Business Bank (2017) Community Bank (2018) Suncrest Bank (2022)

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![Slide 9](cvbf-ex99_1s9.jpg)

Property Management Real Estate Banking International Treasury Management Specialty Banking Construction Lending CitizensTrust Merchant Bankcard SBA Citizens Home Lending Loan Brokerage Title Escrow Marketing Citizens Equipment Financing Deposit Services Wealth Management Trust Investment Services Law Firms Customer Credit Management Division Dairy & Livestock Agribusiness Government Services Asset Based Lending Receivers & Fiduciaries Relationship Manager (Bank) C-PACE Lending Relationship Banking Strategy

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![Slide 10](cvbf-ex99_1s10.jpg)

Acquisition Strategy Target size: $1 billion to $10 billion in assets Financial & Strategic In-market and new geographic markets Banks: Banking Teams: In-market New markets

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![Slide 11](cvbf-ex99_1s11.jpg)

CVBF Balance Sheet Profile TCE Tier 1 Leverage CET1 Tier 1 RBC Total RBC 10.0% 11.8% 16.5% 16.5% 17.3% Assets $15.4B Securities $4.8B Loans $8.4B Deposits & Repos $12.9B June 30, 2025 Capital Ratios as of June 30, 2025 Funding $12.4B Non-maturity 92% Repos 3% Time 5%

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![Slide 12](cvbf-ex99_1s12.jpg)

Q2 2025 Financial Highlights Profitability ROATCE = 14.08% ROAA = 1.34% NIM = 3.31% Efficiency Ratio = 45.6% Income Statement Q2'25 Net Income = $51 million / EPS = $0.36 PPNR = $68.8 million / $1.3 million higher than Q1'25 Balance Sheet Deposits & Customer Repos increased $123 million from 3/31/25 Noninterest deposits > 60% of Total Deposits Cost of deposits and customer repos = .87% Loans decreased $5 million from 3/31/25 Asset Quality Q2 Net charge-offs = $249K NPA/TA = 0.17% (NPA = $26.6 million) Classified loans = $73.4 million or 0.88% of total loans ACL = $78 million or 0.93% of gross loans Capital CET1 Ratio = 16.5% Total Risk-Based Ratio = 17.3% Tangible Common Equity Ratio = 10.0%

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![Slide 13](cvbf-ex99_1s13.jpg)

Selected Ratios 2022 2023 2024 Q2'24 Q1'25 Q2'25 ROATCE\* 18.85% 18.48% 14.95% 15.51% 14.51% 14.08% NIM 3.30% 3.31% 3.09% 3.05% 3.31% 3.31% Cost of Deposits 0.05% 0.41% 0.88% 0.88% 0.86% 0.84% Cost of Funds 0.06% 0.83% 1.32% 1.38% 1.04% 1.03% Efficiency Ratio 38.98% 42.00% 46.55% 45.10% 46.69% 45.55% NIE % Avg. Assets 1.28% 1.41% 1.45% 1.40% 1.58% 1.52% NPA % Total Assets 0.03% 0.13% 0.31% 0.16% 0.17% 0.17% Net Charge-Offs (Recoveries) to Avg. Loans (0.01%) 0.00% 0.04% 0.00% 0.00% 0.00% CET1 Ratio 13.5% 14.6% 16.2% 15.3% 16.5% 16.5% Total Risk-Based Capital Ratio 14.4% 15.5% 17.1% 16.1% 17.3% 17.3% Performance Credit Quality Capital \* See Non-GAAP Reconciliation

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![Slide 14](cvbf-ex99_1s14.jpg)

Selected Highlights ($ in Thousands) Q2'24 Q1'25 Q2'25 Net Interest Income $110,849 $110,444 $111,608 Noninterest Income 14,424 16,229 14,744 Noninterest Expense, excluding Regulatory Assessments 55,083 57,127 55,539 Regulatory Assessments 1,414 2,017 2,018 Total Noninterest Expense 56,497 59,144 57,557 Pretax-Pre Provision Income 68,776 67,529 68,795 (Recapture of) Provision for Credit Losses - (2,000) - Earnings before Income Taxes 68,776 69,529 68,795 Net Income $50,035 $51,104 $50,564 Basic earnings per common share $0.36 $0.37 $0.36 Diluted earnings per common share $0.36 $0.36 $0.36 Income Statement

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![Slide 15](cvbf-ex99_1s15.jpg)

Selected Highlights ($ in Thousands) Q2'24 Q1'25 Q2'25 Average Cash & Cash Equivalents $866,747 $315,760 $486,741 Average Loans 8,731,587 8,467,465 8,354,898 Average Total Securities 5,206,959 4,908,718 4,847,415 Average Noninterest-bearing Deposits 7,153,315 7,006,357 7,051,702 Average Total Deposits & Customer Repurchase Agreements 12,169,307 12,189,997 12,184,159 Average Borrowings 1,850,330 513,078 508,159 Loan-to-deposit 73.48% 71.32% 70.76% Noninterest-bearing deposits/Total Deposits 60.20% 59.01% 59.72% Average Balance Sheet

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![Slide 16](cvbf-ex99_1s16.jpg)

Earnings Per Share ANNUALIZED\* 193 Consecutive Quarters More than 48 Years of Profitability since 1977

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![Slide 17](cvbf-ex99_1s17.jpg)

Dividend payout ratio calculated on per share basis. Dividends – 143 Consecutive Quarters 143 Consecutive Quarters More than 35 years of cash dividends since 1989 $0.48 12/31/2015 $0.48 51.06% 12/31/2016 $0.54 56.84% 12/31/2017 $0.56 12/31/2018 $0.72 12/31/2019 $0.72 12/31 2020 $0.72 12/31/2021 $0.72 12/31/2022 $0.80 50.42% 12/31/2023 $0.80 12/31/2024 $0.80 54.79% ANNUALIZED\* 12/31/2025 Dividends per share Dividend payout ratio

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![Slide 18](cvbf-ex99_1s18.jpg)

Net Interest Income and NIM ($ in Millions)

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![Slide 19](cvbf-ex99_1s19.jpg)

Net Interest Margin Trend \* Source: As calculated by S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 20](cvbf-ex99_1s20.jpg)

Return on Average Assets \* Source: As calculated by S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 21](cvbf-ex99_1s21.jpg)

Return on Average Tangible Common Equity \* Source: As calculated by S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 22](cvbf-ex99_1s22.jpg)

CET1 Ratio Trend (%) ASR / Suncrest Acquisition CB Acquisition \* Source: S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 23](cvbf-ex99_1s23.jpg)

TCE Ratio Trend (%) CB Acquisition ASR / Suncrest Acquisition \* Source: S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 24](cvbf-ex99_1s24.jpg)

Total Deposits & Customer Repos Cost of Interest-Bearing Deposits and Repos June 2025 2.06% December 2024 2.15%

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![Slide 25](cvbf-ex99_1s25.jpg)

Deposit & Repo Quarterly Avg. Trends Billions

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![Slide 26](cvbf-ex99_1s26.jpg)

Cost of Deposits For the Last 5 Years CVBF Ranked Among the 5 Lowest Cost of Deposits of the 50 Banks in the KRX Index Source: As calculated by S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX (50 Banks)

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![Slide 27](cvbf-ex99_1s27.jpg)

Cost of Deposits: Monthly Trends CVBF Cost of Deposit Detail

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![Slide 28](cvbf-ex99_1s28.jpg)

Loans by Type CRE $6.52B C&I $0.91B Other $0.93B

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![Slide 29](cvbf-ex99_1s29.jpg)

Loan Trends – Quarterly Averages ($ in Millions) 2.8% decline 4.2% decline 32.0% decline C&I $1,003 Q2 2024 $1,001 Q3 2024 $970 Q4 2024 $995 Q1 2025 $981 Q2 2025 2.1% decline

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![Slide 30](cvbf-ex99_1s30.jpg)

Line Utilization Trends Total D&L C&I

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![Slide 31](cvbf-ex99_1s31.jpg)

ACL Nine Quarter Trend ($ in Millions) \* Total Balance

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![Slide 32](cvbf-ex99_1s32.jpg)

\*Other includes other loan segments that are not listed above, including Construction, Consumer and other loans. $124.73 $124.61 $89.55 $94.17 $73.42 Classified Loan Trend ($ in Millions)

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![Slide 33](cvbf-ex99_1s33.jpg)

Classified Loans / Total Loans (%) \* Source: S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 34](cvbf-ex99_1s34.jpg)

Net Charge-Offs / Average Loans (%) \* Source: S&P Capital IQ. Unweighted Average NASDAQ Regional Banking Index KRX

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![Slide 35](cvbf-ex99_1s35.jpg)

Appendix Non-GAAP Reconciliation

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![Slide 36](cvbf-ex99_1s36.jpg)

Commercial Real Estate Loans Collateral type Medical 5% Other RE Rental and Leasing 4% Industrial 34% Office 16% Retail 14% Multi-Family 13% Other 8% Farmland 6% Owner/Non-Owner Occupied Non-Owner 65% Owner 35% Collateral type owner/non-owner occupied

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![Slide 37](cvbf-ex99_1s37.jpg)

CRE by Collateral Collateral Type Balance % of Owner Occupied LTV at Origination Avg. Size Classified Classified (Non- Owner) Classified (Owner) Industrial $2,227 46% 49% $1.65 $17.42 $7.70 $9.72 Office 1,036 28% 55% 1.69 0.00 0.00 0.00 Retail 894 11% 47% 1.72 24.83 24.83 0.00 Multi-Family 816 0% 48% 1.55 1.35 1.35 0.00 Other 553 57% 47% 1.56 0.72 0.72 0.00 Farmland 417 99% 45% 1.40 6.81 0.00 6.81 Medical 314 34% 56% 1.48 0.04 0.00 0.04 Other RE Rental & Leasing 260 14% 49% 2.63 0.00 0.00 0.00 Total $6,517 35% 49% $1.64 $51.17 $34.60 $16.57 ($ in Millions)

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![Slide 38](cvbf-ex99_1s38.jpg)

CRE by Collateral and Origination Balance Distribution by Origination Year Average OLTV By Origination Year Collateral Type Balance 2025 2024 2023 2022 2021 2020 or earlier 2025 2024 2023 2022 2021 2020 or earlier Industrial $2,227 5% 6% 8% 19% 18% 44% 46% 42% 43% 44% 50% 52% Office 1,036 5% 3% 3% 24% 14% 51% 50% 50% 48% 54% 55% 56% Retail 894 4% 2% 5% 23% 17% 49% 41% 35% 39% 43% 46% 51% Multi-Family 816 3% 4% 9% 20% 18% 46% 37% 36% 45% 44% 51% 51% Other 553 5% 5% 7% 13% 20% 50% 39% 46% 44% 45% 49% 47% Farmland 417 1% 6% 6% 15% 15% 57% 36% 32% 42% 42% 37% 49% Medical 314 11% 7% 3% 9% 15% 55% 46% 47% 45% 52% 53% 62% Other RE Rental & Leasing 260 5% 23% 10% 17% 11% 34% 43% 46% 48% 51% 48% 49% Total $6,517 5% 5% 7% 19% 17% 47% 44% 41% 43% 46% 49% 52% ($ in Millions)

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![Slide 39](cvbf-ex99_1s39.jpg)

CRE by Collateral and Reset/Maturity Collateral Type Balance ($ in Millions) Balance Maturing Next 24 months ($ in Millions) Rate Resets Next 24 Months ($ in Millions) Maturity & Rate Reset % of Loans Industrial $2,227 $281 $137 19% Office 1,036 130 125 25% Retail 894 131 99 26% Multi-Family 816 44 151 24% Other 553 69 68 25% Farmland 417 43 101 35% Medical 314 25 54 25% Other RE Rental & Leasing 260 76 12 34% Total $6,517 $799 $747 24% ($ in Millions)

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![Slide 40](cvbf-ex99_1s40.jpg)

CRE by Collateral and Loan Size ($ in Millions) Loan Amount Industrial Office Retail Multi-Family Other Farmland Medical Other RE Rental and Leasing Total Greater than $20M $24 $23 $0 $0 $0 $0 $0 $52 $99 $10M to $20M 105 111 85 86 11 54 11 14 477 $5M to $10M 464 249 152 119 140 83 62 60 1,329 $1M to $5M 1,338 514 529 465 322 209 192 114 3,683 Less than $1M 296 139 128 146 80 71 49 20 929 Total $2,227 $1,036 $894 $816 $553 $417 $314 $260 $6,517

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![Slide 41](cvbf-ex99_1s41.jpg)

CRE Office Loans by Major MSA Los Angeles County Total Balance of $354mm (183 loans) San Francisco County Total Balance of $54,736 (1 loan) San Diego County Total Balance of $69mm (21 loans) Note: Only shows the office loans that are in the major MSA.

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![Slide 42](cvbf-ex99_1s42.jpg)

Greater LA Business Density Distribution Note: Darker Shaded areas represent higher density of businesses within each submarket (HBD) West LA includes Santa Monica and Century City Central LA includes Downtown LA North LA includes Pasadena and Burbank Other LA (includes remaining areas of LA) Market Description ($ in Thousands) $ Loan Balance % of Owner Occupied LTV at Origination Avg. Loan Size Classified West LA (HBD) $82,834 18% 51% $4,360 $0 Other West LA 56,811 22% 52% 1,959 0 North LA (HBD) 44,308 5% 49% 1,582 0 Other North LA 35,598 18% 47% 1,369 0 Downtown LA (HBD) 503 100% 6% 503 0 Other Central LA 40,297 21% 48% 2,370 0 Other LA 93,180 41% 46% 1,479 0 Total $353,530 24% 48% $1,932 $0

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![Slide 43](cvbf-ex99_1s43.jpg)

Greater SD Business Density Distribution Area ($ in thousands) $ Loan Balance % of Owner Occupied LTV at Origination Avg. Size Classified Downtown SD (HBD) $3,651 42% 54% $1,217 $0 Other SD 65,520 2% 51% 3,640 0 Total $69,171 4% 51% $3,294 $0 Darker shaded areas represent Higher Business Density (HBD)

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![Slide 44](cvbf-ex99_1s44.jpg)

Greater SF Business Density Distribution Area ($ in thousands) $ Loan Balance % of Owner Occupied LTV at Origination Avg. Size Classified Downtown SF (HBD) $55 0% 3% $55 $0 Other SF 0 0% 0% 0 0 Total $55 0% 3% $55 $0 Darker shaded areas represent Higher Business Density (HBD)

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![Slide 45](cvbf-ex99_1s45.jpg)

C&I by Industry Industry Balance ($ in Millions) % of C&I Total Classified ($ in Millions) Real Estate Rental and Leasing $204 22% $0.21 Manufacturing 114 12% 2.82 Wholesale Trade 79 9% 3.63 Construction 73 8% 0.00 Arts, Entertainment, and Recreation 63 7% 0.00 Transportation and Warehousing 60 7% 0.33 Professional, Scientific, and Technical Services 60 7% 0.00 Finance and Insurance 40 4% 0.00 Administrative and Support and Waste Management and Remediation Services 36 4% 0.00 Other 183 20% 0.29 Total $912 100% $7.28

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![Slide 46](cvbf-ex99_1s46.jpg)

6% CAGR (3.3% excl. Suncrest & Brokered) Billions Historical Deposit Growth Suncrest +$1.2B Q1'22 Brokered $300mm Suncrest $1.2B

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![Slide 47](cvbf-ex99_1s47.jpg)

Diverse Deposit Base \*Other Industries include various industries that represent less than 2%.

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![Slide 48](cvbf-ex99_1s48.jpg)

Business vs Consumer Deposits Q2 2025

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![Slide 49](cvbf-ex99_1s49.jpg)

Deposit Relationship Tenure Q2 2025 ~75% of our customer deposit relationships have banked with CBB for 3 years or more Over 10 Years 46% 3 to 10 Years 29% Less than 3 Years 25%

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![Slide 50](cvbf-ex99_1s50.jpg)

Economic Forecast – GDP

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![Slide 51](cvbf-ex99_1s51.jpg)

Economic Forecast – Unemployment

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![Slide 52](cvbf-ex99_1s52.jpg)

Economic Forecast – CRE Price

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![Slide 53](cvbf-ex99_1s53.jpg)

Reconciliation of Return on Average Tangible Common Equity (Non-GAAP) The return on average tangible common equity is a non-GAAP disclosure. We use certain non-GAAP financial measures to provide supplemental information regarding our performance. We believe that presenting the return on average tangible common equity provides additional clarity to the users of our financial statements.

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![Slide 54](cvbf-ex99_1s54.jpg)

Copy of presentation atwww.cbbank.com