CVB FINANCIAL CORP
For the period ended Jun 30, 2025. Filed Aug 8, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 8, 2025
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30,2025
or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from _____ to _____
Commission File Number:000-10140
CVB FINANCIAL CORP.
(Exact name of registrant as specified in its charter)
| California | 95-3629339 |
|---|---|
| (State or other jurisdiction ofIncorporation or organization) | (I.R.S. Employer Identification No.) |
| Ontario, California | 91764 |
| (Address of principal executive offices) | (Zip Code) |
| (Registrant's telephone number,including area code) | |
Securities registered pursuant to Section 12(b) of the Act:
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
|---|---|---|
| Common Stock, No Par Value | CVBF | The Nasdaq Stock Market, LLC |
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes No
Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, non-accelerated filer or smaller reporting company, or emerging growth company. See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
| Large accelerated filer | | Accelerated filer | |
|---|---|---|---|
| Non-accelerated filer | | Smaller reporting company | |
| 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
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes No
Number of shares of common stock of the registrant:137,817,599 outstanding as of July 31, 2025.
TABLE OF CONTENTS
| PART I – | FINANCIAL INFORMATION (UNAUDITED) | 3 |
|---|---|---|
| ITEM 1. | CONDENSED CONSOLIDATED FINANCIAL STATEMENTS | 4 |
| NOTES TO THE CONDENSED CONSOLIDATED FINANCIAL STATEMENTS | 9 | |
| ITEM 2. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS | 39 |
| CRITICAL ACCOUNTING POLICIES | 39 | |
| OVERVIEW | 41 | |
| ANALYSIS OF THE RESULTS OF OPERATIONS | 43 | |
| ANALYSIS OF FINANCIAL CONDITION | 53 | |
| ASSET/LIABILITY AND MARKET RISK MANAGEMENT | 70 | |
| ITEM 3. | QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK | 73 |
| ITEM 4. | CONTROLS AND PROCEDURES | 73 |
| PART II – | OTHER INFORMATION | 74 |
| ITEM 1. | LEGAL PROCEEDINGS | 74 |
| ITEM 1A. | RISK FACTORS | 74 |
| ITEM 2. | UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS | 74 |
| ITEM 3. | DEFAULTS UPON SENIOR SECURITIES | 75 |
| ITEM 4. | MINE SAFETY DISCLOSURES | 75 |
| ITEM 5. | OTHER INFORMATION | 75 |
| ITEM 6. | EXHIBITS | 76 |
| SIGNATURES | 77 |
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