CVB Financial (US:CVBF)2025-07-24 14:30Financial Performance - CVB Financial Corp's total assets reached $15.4 billion[4] - Gross loans amounted to $8.4 billion[4] - Total deposits, including repos, totaled $12.4 billion[4] - Total equity stood at $2.2 billion[4] - Q2 2025 net income was $51 million, with earnings per share (EPS) at $0.36[23] - The Return on Average Tangible Common Equity (ROATCE) was 14.08%[23] - The Return on Average Assets (ROAA) was 1.34%[23] - Net Interest Margin (NIM) was 3.31%[23] - Efficiency Ratio was 45.6%[23] Capital and Asset Quality - The CET1 Ratio was 16.5%[23] - The Total Risk-Based Ratio was 17.3%[23] - The Tangible Common Equity Ratio was 10.0%[23] - Non-Performing Assets (NPA) to Total Assets (TA) ratio was 0.17%, with NPAs totaling $26.6 million[23] - Classified loans represented 0.88% of total loans, amounting to $73.4 million[23] - The Allowance for Credit Losses (ACL) was $78 million, or 0.93% of gross loans[23] Funding and Loan Portfolio - Deposits and customer repos increased by $123 million from March 31, 2025[23] - Noninterest deposits accounted for over 60% of total deposits[23] - Loans decreased by $5 million from March 31, 2025[23] - Loans comprised 54% of assets, while securities accounted for 31%[21] - Commercial Real Estate (CRE) loans constituted 78% of the loan portfolio, followed by Commercial & Industrial (C&I) loans at 11%[21]