Slide 1: CVB Financial Corp. April 2026
Exhibit 99.1 CVB Financial Corp. April 2026 cbbank.com
Slide 2: Forward Looking Statements
Forward Looking Statements Logo CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements that are intended to be covered by the safe harbor for such statements provided by the Private Securities Litigation Reform Act of 1995. These statements are bas
Slide 3: CVB Financial Corp. (CVBF)
CVB Financial Corp. (CVBF) Logo Total Assets: $15.5 Billion Gross Loans: $ 8.6 Billion Total Deposits (Including Repos): $12.4 Billion Total Equity: $ 2.3 Billion Largest financial institution headquartered in the Inland Empire region of Southern California. Founded in 1974. cbank.com 3
Slide 4: Bank Accomplishments & Ratings
Bank Accomplishments & Ratings Logo 196 Consecutive Quarters or 49 Years of Profitability 146 Consecutive Quarters of Cash Dividends Forbes, Best Banks in America (2016 – 2026)* Ranked #1 Forbes, Best Banks in America (2016, 2020, 2021, 2023) Ranked in S&P Global Market Intelligence’s Top 50 2025 Pu
Slide 5: Locations Map
78 Business Financial Centers 1 Loan Production Office 3 CitizensTrust Locations Map Corporate Office Business Financial Centers Loan Production Office CitizensTrust cbank.com
Slide 6: Our Vision
Our Vision Logo Citizens Business Bank will strive to become the premier financial services company operating throughout the state of California, servicing the comprehensive financial needs of successful small to medium sized businesses and their owners. cbank.com 6
Slide 7: Target Customer
Target Customer Logo The best privately-held and/or family-owned businesses throughout California Annual revenues of $1-300 million Top 25% in their respective industry Full relationship banking Build long-term relationships cbank.com 7
Slide 8: Three Areas of Growth
Three Areas of Growth Logo DeNovo San Diego (2014) Oxnard (2015) Santa Barbara (2015) San Diego (2017) Stockton (2018) Modesto (2020) Temecula (2025) Same Store Sales Growth DeNovo Acquisitions Acquisitions American Security Bank (2014) County Commerce Bank (2016) Valley Business Bank (2017) Communi
Slide 9: Relationship Banking Strategy
Relationship Banking Strategy Logo Customer Marketing Relationship Manager (Bank) Credit Management Division Agribusiness Asset Based Lending Construction Lending C-PACE Lending Government Services Specialty Banking Merchant Bankcard Treasury Management Citizens Equipment Financing International Cit
Slide 10: Acquisition Strategy
Acquisition Strategy Logo Banks: Target size: $3 billion to $10 billion in assets Financial & Strategic In-market and new geographic markets Banking Teams: In-market New markets cbank.com 10
Slide 11: CVBF Balance Sheet Profile March 31, 2026
CVBF Balance Sheet Profile March 31, 2026 Assets Secuities Loans Deposits & Funding Other 11% Cash 3% Securities 31% $15.5B Loans 55% Other 1% Muni 10% Agency 11% CMO 29% $4.8B MBS 49% D&L Agri 4% C&I 11% $8.6B CRE 77% Time 4% $12.4B Non-maturity 92% Borrowings $13.0B Total Deposits & Repos 96% Capi
Slide 12: Q1 2026 Financial Highlights
Q1 2026 Financial Highlights Profitabilit ROATCE* = 13.38% ROAA = 1.33% NIM = 3.44% Efficiency Ratio = 45.84% Income Statement Q1’26 Net Income = $51 million / EPS = $0.38 Pretax Pre Provision Income* = $71.6 million, +$4 million vs. Q1’25 Net Interest Income = $117.8 million, + $7.4 million vs. Q1’
Slide 13: Selected Ratios
Selected Ratios Performance 2023 2024 2025 Q1’25 Q4’25 Q1’26 ROATCE* 18.48% 14.95% 14.28% 14.51% 14.41% 13.38% NIM 3.31% 3.09% 3.36% 3.31% 3.49% 3.44% Cost of Deposits 0.41% 0.88% 0.85% 0.86% 0.82% 0.78% Cost of Funds 0.83% 1.32% 1.03% 1.04% 1.01% 0.97% Efficiency Ratio 42.00% 46.55% 46.03% 46.69% 4
Slide 14: Selected Highlights (Income Statement)
Selected Highlights ($ in Thousands) Net Interest Income Q1’25 Q4’25 Q1’26 $ 110,444 Noninterest Income Noninterest Expense, excluding Acquisition Related Expenses & Provision for Unfunded Loan Commitments 16,229 $122,658 11,193 $117,840 14,279 58,644 Acquisition Related Expenses Income Statement Pr
Slide 15: Selected Highlights (Average Balance Sheet)
Selected Highlights ($ in Thousands) Average Cash & Cash Equivalents Q1’25 Q4’25 Q1’26 $ Average Loans Average Total Securities Average Balance Sheet 315,760 8,467,465 $ 658,365 8,517,188 $ 425,164 8,624,604 Average Noninterest-bearing Deposits Average Total Deposits & Customer Repurchase Agreements
Slide 16: Earnings Per Share
Earnings Per Share 196 Consecutive Quarters or 49 Years $0.35 $0.36 $0.37 $0.36 $0.36 $0.37 $0.38 $0.40 $0.38 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Earnings per Share cbbank.com 16
Slide 17: Dividends – Consecutive Quarters
Dividends – 146 Consecutive Quarters 146 Consecutive Quarters More than 35 years of cash dividends $0.20 57.38% $0.20 56.00% $0.20 54.62% $0.20 55.01% $0.20 54.50% $0.20 $0.20 $0.20 $0.20 54.79% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Dividends per Share Q2'25 52.39% Q3'25 Dividend Payout Ratio 53.32% 49.38%
Slide 18: Net Interest Income and NIM
Net Interest Income and NIM 18 ($ in Millions) $110.4 $111.6 $115.6 $122.7 $117.8 4.28% 4.28% 4.32% 4.43% 4.35% 3.31% 3.31% 3.33% 3.49% 3.44% 1.04% 1.03% 1.05% 1.01% 0.97% Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Earning Asset Yield Net Interest Margin Cost of Funds cbbank.com 18
Slide 19: Loans by Type
Loans by Type CRE Owner 27.3% Commercial and industrial 11.0% C&I $0.95B Dairy & livestock and agribusiness 3.6% CRE $6.63B CRE Non-Owner 49.4% SBA 3.4% SFR mortgage 3.2% Construction 0.7% Municipal lease finance receivable 0.7% Consumer and other loans 0.7% Other $1.06B cbbank .com 19
Slide 20: Loan Trends – Quarterly Averages
Loan Trends – Quarterly Averages ($ in Millions) CRE $6,664 $6,655 $6,668 $6,702 $6,777 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 C&I $995 $981 $956 $993 $994 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 D&L and Agribus. $340 $247 $264 $342 $349 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Other $854 $862 $876
Slide 21: Line Utilization Trends
Line Utilization Trends 51% 46% 48% 45% 49% 42% 48% 44% 78% 68% 80% 75% 81% 64% 78% 69% 33% 28% 29% 28% 30% 29% 32% 30% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2
Slide 22: Classified Loan Trend
Classified Loan Trend ($ in Millions) $94.17 $5.20 $7.39 $9.28 $36.80 $34.25 Q1.2025 $73.42 $8.08 $6.27 $7.28 $34.60 $16.57 Q2 2025 $78.18 $8.30 $7.55 $9.61 $31.66 $20.45 Q3 2025 $52.70 $5.64 $6.85 $12.34 $8.52 $18.75 Q4 2025 $83.06 $5.60 $11.27 $30.49 $5.14 $29.77 Q1.2026 Other* sfr mortgage sba Da
Slide 23: ACL Nine Quarter Trend
ACL Nine Quarter Trend ($ in Millions) $0.0 $0.0 $0.1 $0.1 $0.0 $0.1 $0.0 $0.0 $3.2 $82.8 $82.8 $82.8 $80.0 $78.3 $77.9 $79.3 $77.2 $77.0 0.94% 0.95% 0.97% 0.94% 0.94% 0.93% 0.94% 0.89% 0.93% Specific Reserve Performing Loans ACL Coverage Ratio Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Slide 24: Total Deposits & Customer Repos
Total Deposits & Customer Repos March 31, 2025 Total Deposits & Customer Repos March 31, 2026 Total Deposits & Customer Repos Time 4% Non-maturity Interest-bearing 35% Repos 2% Noninterest-bearing 59% Time 4% Repos 4% Non-maturity Interest-bearing 35% Noninterest-bearing 57% cbbank.com 24
Slide 25: Deposit & Repo Quarterly Avg. Trends
Deposit & Repo Quarterly Avg. Trends Billions $7.00 $7.05 $7.12 $7.00 $6.89 $4.30 $4.18 $4.31 $4.51 $4.48 $0.56 $0.57 $0.58 $0.58 $0.57 $0.32 $0.38 $0.46 $0.49 $0.54 $12.19 $12.18 $12.47 $12.58 $12.48 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Deposit & Repo Quarterly Average Balance Noninterest-bearing Non-matu
Slide 26: Cost of Deposits
Cost of Deposits CVBF KRX Fed Funds Rate For the Last 5 Years CVBF Ranked #1 with the Lowest Cost of Deposits of the 50 Banks in the KRX Index Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2019 2020 2021 2022 2023 2024 2025 2026 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.0
Slide 27: Cost of Deposits: Monthly Trends
Cost of Deposits: Monthly Trends CVBF Cost of Deposit Detail Cost of Non-Maturity Deposits Cost of Time Deposits 2.76% 2.75% 2.73% 2.76% 2.76% 2.74% 2.75% 2.72% 2.66% 2.82% 2.84% 2.83% .74% .75% .75% .76% .77% .77% .75% .72% .71% .70% .67% .67% CVBF Cost of Deposits vs. Effective Federal Funds Rate
Slide 28: Acquisition of Heritage Bank of Commerce
Cvb financial corp. Acquisition of Heritage Bank of Commerce cbbank.com 28
Slide 29: Acquisition of Heritage Bank of Commerce
Acquisition of Heritage Bank of Commerce Structure 100% stock with fixed exchange ratio of 0.6500x CVBF shares for each HTBK share Governance Two directors from Heritage Commerce joined CVB’s board of directors Clay Jones, President and CEO of Heritage Commerce, appointed as President of combined ba
Slide 30: California's Top Performing Business Bank
California’s Top Performing Business Bank Industry-Leading Pro Forma Performance Metrics¹ Attractive Financial Returns Profitability 1.50% 2027E ROAA 16.8% 2027E ROATCE Capital 14.6% CET1 15.8% Total Capital Profitability & Returns 13.2% 2027E EPS Accretion ~20% Internal Rate of Return TBVPS Dilutio
Slide 31: Proforma Portfolio Composition
Proforma Portfolio Composition Loan Composition CVB Heritage Commerce Pro forma Dairy & Agri. 4% SFR Mortgage 3% Construction 1% Other 4% C&I 11% Construction 3% Other 4% SFR Mortgage(Sale) 12% Dairy & Agri. 0% C&I 14% $3.6bn $8.6bn $11.9bn¹ Construction 1% SFR Mortgage 3% Dairy & Agri. 3% C&I 12% O
Slide 32: Appendix & Non-GAAP Reconciliation
CVB Financial Corp Appendix & Non-GAAP Reconciliation Cbbank.com
Slide 33: Commercial Real Estate Loans
Commercial Real Estate Loans Collateral Type Owner/Non-Owner Occupied Farmland 7% Medical 5% Other RE Rental and Leasing 3% Other 8% Multi- Family 13% Industrial 35% Retail 14% Office 15% Non- Owner 64% Owner 36% 33 cbbank.com
Slide 34: Net Charge-Offs / Average Loans
Net Charge-Offs / Average Loans (%) CVBF KRX 0.05% 0.00% 0.00% 0.02% 0.03% 0.05% 0.05% .04% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.06% 0.06% 0.08% 0.06% 0.05% 0.05% 0.06% 4Q'20 4Q'21 4Q'22 4Q'23 1Q'24 2Q'24 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 1Q'26 cbbank.com 34 * Source: S&P Capital IQ.
Slide 35: Classified Loans / Total Loans
Classified Loans / Total Loans (%) CVBF KRX 1.1% 1.4% 0.7% .0% .9% 0.7% 0.9% 1.2% 1.2% 1.4% 1.5% 1.1% 1.1% 0.9% 0.9% 0.6% 1.0% 1.8% 1.5% 1.4% 2.1% 1.6% 1.2% 1.6% 1.8% 2.0% 2.3% 2.0% 2.4% 2.4% 2.4% 2.3% 4Q'17 4Q'18 4Q'19 4Q'20 4Q'21 4Q'22 4Q'23 1Q'24 2Q'24 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 1Q'26 cc
Slide 36: CRE by Collateral
CRE by Collateral ($ in Millions) Collateral type balance % of qwer occupied LTV at origination Avg. Size Classified Classified (non qwner) Classified (owner) Industrial $ 2,332 47% 49% $ 1.74 $ 25.57 $ 0.00 $ 25.57 Office 1,005 29% 55%1.66 4.43 2.64 1.79 Retail 905 10%46% 1.74 2.50 2.50 0.00 Multi-
Slide 37: CRE by Collateral and Origination
CRE by Collateral and Origination Balance Distribution by Origination Year ($ in Millions) Average OLTV By Origination Year cbbank.com 37 Collateral Type Balance 2026 2025 2024 2023 2022 2021 or earlier 2026 2025 2024 2023 2022 2021 or earlier Industrial $ 2,332 4% 10% 5% 8% 18% 55% 45% 44% 43% 43%
Slide 38: CRE by Collateral and Loan Size
CRE by Collateral and Loan Size ($ in Millions) Loan Amount Industrial Office Retail Multi-Family Other Farmland Medical Other RE Rental and Leasing Total Greater than $20M $ 44 $ 22 $ 0 $ 0 $ 0 $ 22 $ 22 $ 0 $ 110 $10M to $20M 134 94 65 97 10 52 24 14 490 $5M to $10M 509 245 157 122 136 79 60 59 1,
Slide 39: Loans – Maturity & Repricing
Loans – Maturity & Repricing ($ in Millions) Balance Distribution by Maturity or Reset as of 03/31/2026 Variable Fixed / Adjustable Loan Type ≤ 1 Year ≤ 1 Year 1-3 Years 3-5 Years 5-10 Years > 10 Years Grand Total Commercial real estate $ 855 $ 400 $ 1,311 $ 1,693 $ 2,078 $ 294 $ 6,631 Commercial an
Slide 40: C&I by Industry
C&I by Industry Industry Balance ($ in Millions) % of C&I Total Classified ($ in Millions) Real Estate Rental and Leasing $ 213 23% $ 2.62 Manufacturing 134 14% 10.19 Wholesale Trade 82 9% 6.54 Construction 79 8% 0.00 Arts, Entertainment, and Recreation 60 6% 0.00 Transportation and Warehousing 58 6
Slide 41: Diverse Deposit Base
Diverse Deposit Base Consumer 21% Other Industries 8% Agriculture, Forestry, Fishing and Hunting 2% Retail Trade 2% Educational Services 3% Wholesale Trade 3% Health Care and Social Assistance 4% Other Services (except Public Administration) 4% Public Administration 4% Escrow and Title 5% Profession
Slide 42: Business vs Consumer Deposits
Business vs Consumer Deposits Q1 2026 Non-Analyzed Business Accounts 40% Analyzed Business Accounts 38% Consumer 22% Cbbank.com 42
Slide 43: Deposit Relationship Tenure
Deposit Relationship Tenure Q1 2026 3 to 10 Years 27% Less than 3 Years 25% Over 10 Years 48% ~75% of our customer deposit relationships have banked with CBB for 3 years or more Cbbank.com 43
Slide 44: CET1 Ratio Trend
CET1 Ratio Trend (%) CVBF KRX CB Acquisition ASR / Suncrest Acquisition 13.0% 14.8% 14.8% 14.9% 13.6% 14.7% 15.0% 15.3% 15.8% 16.2% 16.5% 16.5% 16.3% 15.9% 16.3% 12.0% 12.1% 12.5% 12.5% 11.8% 12.2% 12.2% 12.3% 12.6% 12.8% 12.8% 12.7% 12.8% 12.8% 4Q'18 4Q'19 4Q'20 4Q'21 4Q'22 4Q'23 1Q'24 2Q'24 3Q'24
Slide 45: TCE Ratio Trend
TCE Ratio Trend (%) CVBF KRX CB Acquisition ASR / Suncrest Acquisition 10.5% 12.2% 9.6% 9.2% 7.4% 8.5% 8.3% 8.7% 9.7% 9.8% 10.0% 10.0% 10.1% 10.3% 10.5% 9.3% 9.7% 9.0% 8.6% 7.4% 8.1% 8.1% 8.2% 8.6% 8.6% 8.8% 8.8% 9.1% 9.2% 4Q'18 4Q'19 4Q'20 4Q'21 4Q'22 4Q'23 1Q'24 2Q'24 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25
Slide 46: Economic Forecast – GDP
Economic Forecast – GDP Real GDP Growth 3.50 3.00 2.50 2.00 1.50 1.00 0.50 – 2026Q1 2026Q2 2026Q3 2026Q4 2027Q1 2027Q2 2027Q3 2027Q4 2028Q1 2028Q2 2028Q3 2028Q4 2029Q1 Q4 2025 Forecast Q1 2026 Forecast Cbbank.com 46
Slide 47: Economic Forecast – Unemployment
Economic Forecast – Unemployment Unemployment Rate 6.00 5.50 5.00 4.50 4.00 2026Q1 2026Q2 2026Q3 2026Q4 2027Q1 2027Q2 2027Q3 2027Q4 2028Q1 2028Q2 2028Q3 2028Q4 2029Q1 Q4 2025 Forecast Q1 2026 Forecast Cbbank.com 47
Slide 48: Economic Forecast – CRE Price
Economic Forecast – CRE Price CRE Price Index Growth 8.00 6.00 4.00 2.00 (2.00) (4.00) (6.00) (8.00) 2026Q1 2026Q2 2026Q3 2026Q4 2027Q1 2027Q2 2027Q3 2027Q4 2028Q1 2028Q2 2028Q3 2028Q4 2029Q1 Q4 2025 Forecast Q1 2026 Forecast Cbbank.com 48
Slide 49: Reconciliation of Return on Average Tangible Common Equity (Non-GAAP)
Reconciliation of Return on Average Tangible Common Equity (Non-GAAP) 49 The return on average tangible common equity is a non-GAAP disclosure. We use certain non-GAAP financial measures to provide supplemental information regarding our performance. We believe that presenting the return on average t
Slide 50: Reconciliation of Pretax Pre-Provision Income and TCE Ratio (Non-GAAP)
Reconciliation of Pretax Pre-Provision Income and Tangible Common Equity Ratio (Non-GAAP) Pretax pre-provision income is a Non-GAAP financial measure that represents total revenue less noninterest expense and is calculated before provision for credit losses and income tax expense. For the Year Ended
Slide 51: CVB Financial Corp.
CVB Financial Corp. Copy of presentation at www.cbbank.com Cbbank.com 50