CVB Financial Corp. is a bank holding company that operates Citizens Business Bank, a subsidiary providing comprehensive financial services to small and mid-sized businesses and business owners primarily in California and the Western United States. The bank's core revenue comes from a diversified lending portfolio concentrated in commercial real estate loans, supplemented by commercial and industrial lending, agricultural financing, and residential mortgages, as well as deposit services including checking, savings, and money market accounts. Additional income streams include trust and wealth management services, merchant processing, and card services. The bank maintains substantial customer deposits and long-standing relationships with its business clientele, generating earnings primarily through net interest income from loan yields and deposit spreads.