CVB金融 2025年季度报告

FORM10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedSeptember 30,2025 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from _____ to _____ Commission File Number:000-10140 CVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) 95-3629339(I.R.S. EmployerIdentification No.) California(State or other jurisdiction ofIncorporation or organization) 701 North Haven Ave.,Suite 350Ontario,California(Address of principal executive offices) 91764(Zip Code) (909)980-4030(Registrant's telephone number,including area code) Securities registered pursuant to Section 12(b) of the Act: 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 of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject tosuch filing requirements for the past 90 days.Yesx No¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required tosubmit such files).Yesx No¨ Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, non-accelerated filer or smaller reporting company, oremerging growth company. See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. (Check one): Large accelerated filerxNon-accelerated filer¨Emerging growth company¨ Accelerated filerSmaller reporting company ¨¨ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany 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¨Nox Number of shares of common stock of the registrant:136,809,068outstanding as of November 06, 2025. TABLE OF CONTENTS PART I –FINANCIAL INFORMATION (UNAUDITED)3ITEM 1.CONDENSED CONSOLIDATED FINANCIAL STATEMENTS4NOTES TO THE CONDENSED CONSOLIDATED FINANCIAL STATEMENTS10ITEM 2.MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTSOF OPERATIONS40CRITICAL ACCOUNTING POLICIES40OVERVIEW43ANALYSIS OF THE RESULTS OF OPERATIONS45ANALYSIS OF FINANCIAL CONDITION55ASSET/LIABILITY AND MARKET RISK MANAGEMENT72ITEM 3.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK75ITEM 4.CONTROLS AND PROCEDURES75PART II –OTHER INFORMATION76ITEM 1.LEGAL PROCEEDINGS76ITEM 1A.RISK FACTORS76ITEM 2.UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS76ITEM 3.DEFAULTS UPON SENIOR SECURITIES77ITEM 4.MINE SAFETY DISCLOSURES77ITEM 5.OTHER INFORMATION77ITEM 6.EXHIBITS78SIGNATURES79 GENERAL Cautionary Note Regarding Forward-Looking Statements Certain statements set forth herein constitute forward-looking statements within the meaning of the Private SecuritiesLitigation Reform Act of 1995. Words such as “will likely result”, “aims”, “anticipates”, “believes”, “could”, “estimates”,“expects”, “hopes”, “intends”, “may”, “plans”, “projects”, “seeks”, “should”, “will,” “strategy”, “possibility”, and variationsof these words and similar expressions help to identify these forward-looking statements, which involve risks and uncertainties thatcould cause actual results or performance to differ materially from those projected. These forward-looking statements are based onmanagement’s current expectations and beliefs concerning future developments and their potential effects on the Company,including, without limitation, plans, strategies, goals and statements about the Company’s outlook regarding revenue and assetgrowth, financial performance and profitability, capital and liquidity levels, loan and deposit growth and retention, yields andreturns, loan diversification and credit management, stockholder value creation, tax rates, the impact of business, economic, or politicaldevelopments, the impact of monetary, fiscal and trade policies, and the impact of acquisitions we have made or may make. Such statementsinvolve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond the control of theCompany, and there can be no assurance that future developments affecting the Company will be the same as those anticipated bymanagement. The Company cautions readers that a number of important factors in addition to those set forth below could causeactual results to differ materially from those expressed in, or implied or projected by, such forward-looking statements.