CVB Financial is the holding company for Citizens Business Bank, a California community bank focused on serving small and medium-sized businesses. The bank operates 62 branches across California, concentrated in the Inland Empire and Central Valley. CBB's core business is relationship banking for SMBs — providing commercial loans, deposit accounts, and treasury management to operating companies. Management targets well-capitalized, low-leverage businesses that generate strong non-interest-bearing (NIB) deposit balances; NIB deposits consistently represent roughly 58-60% of total deposits, which is the defining feature of CBB's franchise and the primary driver of its low cost of funds. Key lending products include C&I loans, commercial real estate, agribusiness (notably dairy and livestock), and SBA loans. Beyond core commercial banking, CBB runs a Specialty Banking group focused on Title & Escrow, Property Management, and Fiduciary deposits — businesses that generate large NIB balances. CBB also operates CitizensTrust, a wealth management and trust division. CVB earns primarily through net interest income, with the low-cost deposit base enabling an above-average net interest margin. The bank runs a lean operation with an efficiency ratio around 45-46%. Organic loan growth is deliberately measured, with management prioritizing credit quality. M&A is the stated first priority for excess capital; CVB announced in December 2025 an all-stock merger with Heritage Commerce, a Silicon Valley community bank, which would bring the combined entity to roughly $22B in assets across 80+ offices.