8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 24, 2015

CVB FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

California	0-10140	95-3629339
(State or other jurisdiction of incorporation or organization)	(Commission file number)	(I.R.S. employer identification number)
701 North Haven Avenue, Ontario, California		91764
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (909) 980-4030

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2.):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01 Regulation FD Disclosure.

CVB Financial Corp. President and Chief Executive Officer, Christopher D. Myers, will be making a presentation and hosting one-on-one meetings with investors at the 16^th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday, July 28, 2015. The conference will take place at the Grand Hyatt in New York City, NY from July 28 to July 29, 2015. The July 2015 slide presentation updated to reflect second quarter 2015 financial information, is included as Exhibit 99.1 of this report. The information in this report (including Exhibit 99.1) shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other documents filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth the by specific reference in such filing.

Item 8.01 Other Events.

On July 24, 2015, CVB Financial Corp. (the “Company”) issued a press release relating to its President and Chief Executive Officer, Christopher D. Myers’ presentation of the slides in Exhibit 99.1 of this report to various investors at the 16^th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday, July 28, 2015. A copy of this press release is attached hereto as Exhibit 99.2 and is being furnished pursuant to this Item 8.01.

A copy of the slide presentation will be available on the Company’s website at www.cbbank.com under the “Investors” tab.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.	Description
99.1	Copy of the CVB Financial Corp. July 2015 slide presentation, updated to reflect second quarter 2015 financial information, which its President and Chief Executive Officer, Christopher D. Myers, will utilize while making a presentation and hosting one-on-one meetings with investors at the 16th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday, July 28, 2015 (furnished pursuant to Regulation FD).
99.2	Press Release dated July 24, 2015, announcing that Christopher D. Myers, President and Chief Executive Officer of CVB Financial Corp. will be making a presentation and hosting one-on-one meetings at the 16th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday July 28, 2015.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CVB FINANCIAL CORP.
	(Registrant)
Date: July 27, 2015	By:	/s/ Richard C. Thomas
		Executive Vice President and Chief Financial Officer

Exhibit Index

99.1

Copy of the CVB Financial Corp. July 2015 slide presentation, updated to reflect second quarter 2015 financial information, which its President and Chief Executive Officer, Christopher D. Myers, will utilize while making a presentation and hosting one-on-one meetings with investors at the 16th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday, July 28, 2015 (furnished pursuant to Regulation FD).

99.2

Press Release dated July 24, 2015, announcing that Christopher D. Myers, President and Chief Executive Officer of CVB Financial Corp. will be making a presentation and hosting one-on-one meetings at the 16th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday July 28, 2015.

EX-99.1

2Q Results 2015 | cbbank.com

July 2015

Exhibit 99.1

2Q Results 2015 | cbbank.com

Safe Harbor

2

Certain

matters

set

forth

herein

(including

the

exhibits

hereto)

constitute

forward-looking

statements

within

the

meaning

of

the

Private

Securities

Litigation Reform Act of 1995, including forward-looking statements relating to the Company's current business plans and expectations regarding

the Company’s future financial position and operating results. These forward-looking statements are subject to risks and uncertainties that could

cause actual results, performance and/or achievements to differ materially from those projected. These risks and uncertainties include, but are not

limited to, local, regional, national and international economic and market conditions and events and the impact they may have on us and our

customers; our ability to attract deposits and other sources of funding or liquidity; supply and demand for real property inventory and periodic

deterioration in values of California real estate, both residential and commercial; a prolonged slowdown or decline in construction or

sales

activity;

changes

in

the

financial

performance

and/or

condition

of

our

borrowers

or

certain

key

vendors

or

counterparties;

changes

in

the

level of nonperforming assets and any accompanying reserves and/or charge-offs; the cost or effect of acquisitions we may make; the effect of

changes in laws, regulations and relevant judicial decisions (including laws, regulations and judicial decisions concerning financial reforms,

taxes,

bank

capital

levels,

securities

and

securities

trading

and

hedging,

employment,

executive

compensation,

insurance,

vendor

management

and

information

security)

with

which

we

and

our

subsidiaries

must

or

believe

we

should

comply;

changes

in

estimates

of

future

reserve

requirements

and

minimum

capital

requirements

based

upon

the

periodic

review

thereof

under

relevant

regulatory

and

accounting

requirements,

including changes in the Basel Committee framework establishing capital standards for credit, operations and market risk; inflation, interest rate,

securities

market

and

monetary

fluctuations;

changes

in

government

interest

rates

or

monetary

policies;

changes

in

the

amount

and

availability of

deposit insurance; cyber-security threats, including loss of system functionality or theft or loss of Company or customer data or money;

political

instability;

acts

of

war

or

terrorism,

or

natural

disasters,

such

as

earthquakes,

or

the

effects

of

pandemic

diseases;

the

timely

development and acceptance of new banking products and services and the perceived overall value of these products and services by customers

and potential customers; the Company’s relationships with and reliance upon vendors with respect to the operation of certain of the Company key

internal and external systems and applications; changes in consumer spending, borrowing and savings preferences or habits; technological

changes and the expanding use of technology in banking (including the adoption of mobile banking applications); the ability to retain and

increase

market

share,

retain

and

grow

customers

and

control

expenses;

changes

in

the

competitive

environment

among

financial

and

bank

holding

companies,

banks

and

other

financial

service

providers;

continued

volatility

in

the

credit

and

equity

markets

and

its

effect

on

the

general

economy or local or regional business conditions; fluctuations in the price of the Company’s stock; the effect of changes in accounting policies

and practices, as may be adopted from time-to-time by the regulatory agencies, as well as by the Public Company Accounting Oversight Board,

the Financial Accounting Standards Board and other accounting standard-setters; changes in our organization, management, compensation and

benefit plans, and our ability to retain or expand our management team and/or our board of directors; the costs and effects of legal, compliance

and regulatory changes and developments, including the resolution of legal proceedings or regulatory or other governmental inquiries or

investigations and the results of regulatory examinations or reviews; our success at managing the risks involved in the foregoing items and all

other

factors

set

forth

in

the

Company's

public

reports

including

its

Annual

Report

on

Form

10-K

for

the

year

ended

December

31,

2014,

and

particularly

the

discussion

of

risk

factors

within

that

document.

The

Company

does

not

undertake,

and

specifically

disclaims

any

obligation,

to

update any forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements except as

required by law.

2Q Results 2015 | cbbank.com

Total Assets:

$7.7 Billion

Gross Loans:

$3.8 Billion

Total Deposits (Including Repos):

$6.7 Billion

Total Equity:

$894 Million

Source: Q2 2015 earnings release & company filings.

CVB Financial Corp. (CVBF)

Largest financial institution headquartered in the Inland Empire region of Southern

California.  Founded in 1974

Locations in 43 cities with 40 business financial centers and 7 commercial banking

centers and 3 trust office locations serving the Inland Empire, LA County, Orange

County, San Diego County, Ventura County and the Central Valley of California

3

2Q Results 2015 | cbbank.com

Experienced Leadership

Name

Position

Banking Experience

CVBF Service

Christopher D. Myers

President & CEO

31 Years

9 Years

Richard C. Thomas

Executive Vice President

Chief  Financial Officer

5 Years

4 Years

James F. Dowd

Executive Vice President

Chief  Credit Officer

38 Years

7 Years

David C. Harvey

Executive Vice President

Chief  Operations Officer

25 Years

5 Years

David A. Brager

Executive Vice President  

Sales Division

27 Years

12 Years

R. Daniel Banis

Executive Vice President

CitizensTrust

33 Years

3 Years

Yamynn DeAngelis

Executive Vice President

Chief  Risk Officer

36 Years

28 Years

Richard Wohl

Executive Vice

President

General Counsel

27

Years

4 Years

4

2Q Results 2015 | cbbank.com

Board of Directors

Name

CVB Experience

Age

Ray O’Brien -

Chairman

3 Years

58

George Borba

Jr. -

Vice Chairman

2 Years

47

Steve Del Guercio

2 Years

53

Robert Jacoby

10 Years

73

Hal Oswalt

1 Year

67

San Vaccaro

16 Years

82

Chris Myers

-

CEO

9 Years

53

5

2Q Results 2015 | cbbank.com

Who is CVB Financial Corp.?

2Q Results 2015 | cbbank.com

Largest Banks Headquartered in California

7

Source: SNL Financial

In millions

Rank

Name

Asset

Size (3/31/15)

1

Wells Fargo

$1,737,737

2

Union Bank

$113,698

3

Bank of the West

$70,938

4

First Republic Bank

$51,066

5

SVB Financial

$39,696

6

City National Bank

$32,699

7

East West Bank

$29,907

8

OneWest

Bank

$21,307

9

Pacific Western Bank

$16,644

10

Cathay Bank

$11,910

11

CVB Financial Corp.

$7,443

12

BBCN

$7,268

13

Banc of California, Inc.

$6,097

14

Opus Bank

$5,562

15

Farmers & Merchants of Long Beach

$5,560

16

Westamerica Bank

$5,036

2Q Results 2015 | cbbank.com

Bank Accomplishments & Ratings

153 Consecutive Quarters of Profitability

103 Consecutive Quarters of Cash Dividends

#4 Rated Bank: BankDirector

Magazine

Bank Performance Scorecard (August 2014)

BauerFinancial

Report

Five Star Rating (September 2014)

78 Consecutive Quarters

Fitch Rating

BBB (September 2014)

2Q Results 2015 | cbbank.com

Our Markets

Existing Locations

10

40

Business Financial Centers

7

Commercial Banking Centers

3

CitizensTrust Locations

Corporate Office

Business Financial Centers

Commercial Banking Centers

CitizensTrust

San Diego –

NEW Opened June 2014

Ventura –

NEW Opened January 2015

2Q Results 2015 | cbbank.com

What’s New?

2Q Results 2015 | cbbank.com

Ventura County

12

Opened January 2015 | 6 Associates

2Q Results 2015 | cbbank.com

Deposits*

(000’s)

# of Center

Locations

Total Deposits

(6/30/14)

Total Deposits

(6/30/15)

Los Angeles County

18

$2,069,542

$2,418,945

Inland Empire

(Riverside & San Bernardino Counties)

9

$2,148,802

$2,093,090

Central Valley

9

$845,125

$909,113

Orange County

9

$920,300

$925,129

Other

2

$257,036

$309,929

Total

47

$6,240,805

$6,656,206

*Includes Customer Repurchase Agreements

Average Cost of Deposits  (Year-to-Date)

0.11%

0.10%

2Q Results 2015 | cbbank.com

Total Deposits*

$500,000

$1,500,000

$2,500,000

$3,500,000

$4,500,000

$5,500,000

$6,500,000

$7,500,000

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2010

2011

2012

2013

2014

2015

Non-Int Bearing Dep

Interest Bearing Deposits*

14

(000’s)

*Interest Bearing Deposits includes REPOs

2Q Results 2015 | cbbank.com

Deposit Cost Comparison

15

Source: Q2 2015 earnings release & other company filings, SNL Financial—peers represent public

CA

,

AZ,

HI,

NV,

OR

&

WA

banks

with

assets

$2

-

$25

billion.

Peer

Data

is

as

of

03/31/2015

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

0.70%

0.80%

0.90%

1.00%

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2010

2011

2012

2013

2014

2015

CVBF

Peers

2Q Results 2015 | cbbank.com

(000’s)

# of Center

Locations

Average

Loans  per

Location

Total Loans*

(6/30/2015)

Los Angeles County

18

$86,291

$1,553,237

Central Valley

9

$84,097

$756,874

Inland Empire

(Riverside & San Bernardino Counties)

9

$72,926

$656,331

Orange County

9

$58,918

$530,259

Other

2

$150,863

$301,726

Total

47

$80,515

$3,798,427

*Prior to MTM discount, loan fees, loan loss reserve and loans Held for Sale

Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

loans

are

combined

Total Loans*

2Q Results 2015 | cbbank.com

$2,000,000

$2,200,000

$2,400,000

$2,600,000

$2,800,000

$3,000,000

$3,200,000

$3,400,000

$3,600,000

$3,800,000

$4,000,000

$4,200,000

$4,400,000

Q1

Q2Q3

Q4

Q1

Q2Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2010

2011

2012

2013

2014

2015

Total Loans*

Total Loans*

(000’s)

*Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

loans

are

combined

(Purchase

Credit

Impaired

or

PCI)

Before deferred loan fees, discount on PCI loans, and loans held for sale

Includes covered and non-covered loans for all periods presented

2Q Results 2015 | cbbank.com

Municipal Lease

Finance

Receivables, 2.0%

Dairy, Livestock &

Agribusiness, 4.9%

Commercial &

Industrial, 11.1%

Construction RE,

1.2%

Commercial RE -

Owner Occupied,

25.0%

Commercial RE-

Non-Owner,

42.1%

Multi-Family, 6.0%

SFR Mortgage,

5.7%

Other, 2.0%

18

Source: Q2 2015 earnings release & company reports

Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

loans

are

combined

Loan Portfolio Composition

Total Loans by Type

2Q Results 2015 | cbbank.com

Credit Quality

2Q Results 2015 | cbbank.com

Non-Performing Assets*

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

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

Q2

2009

2010

2011

2012

2013

2014

2015

Non-Performing Loans

OREO

20

(000’s)

*Non-Covered

assets

|

Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

assets

are

combined

2Q Results 2015 | cbbank.com

Classified Loans*

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

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

Q2

2009

2010

2011

2012

2013

2014

2015

21

(000’s)

*Non-Covered

loans|

Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

loans

are

combined

2Q Results 2015 | cbbank.com

Loans: Net Charge-Offs*

22

*Non-Covered

|

Starting

in

the

4

th

quarter

of

2014,

covered

and

non-covered

loans

are

combined

2Q Results 2015 | cbbank.com

Profits

2Q Results 2015 | cbbank.com

$-

$2,500

$5,000

$7,500

$10,000

$12,500

$15,000

$17,500

$20,000

$22,500

$25,000

$27,500

$30,000

$32,500

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

Q2

2009

2010

2011

2012

2013

2014

2015

Net Income

(000’s)

Net Income After Taxes

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

2Q Results 2015 | cbbank.com

Earnings

(000’s)

2011

2012

2013

2014

6 Months

to

06/30/2015

Net Interest Income

$234,681

$236,950

$216,266

$236,514

$123,767

Provision for Loan Losses

($7,068)

$0

$16,750

$16,100

($2,000)

Other Operating

Income/Expenses (Net)

($106,809)

($122,257)

($88,741)

($89,817)

($59,649)

Income Taxes

($39,071)

($37,413)

($48,667)

($58,776)

($23,472)

Net Profit After Tax

$81,733

$77,280

$95,608

$104,021

$42,646

25

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

2Q Results 2015 | cbbank.com

Net Interest Margin

1.50%

1.75%

2.00%

2.25%

2.50%

2.75%

3.00%

3.25%

3.50%

3.75%

4.00%

4.25%

Q1

Q2Q3Q4Q1

Q2Q3Q4Q1

Q2Q3Q4Q1

Q2Q3Q4

Q1Q2Q3Q4

Q1Q2Q3Q4

Q1Q2Q3Q4

Q1Q2Q3

Q4Q1Q2

2007

2008

2009

2010

2011

2012

2013

2014

2015

26

*Normalized tax-equivalent excludes accretion on covered loans (Purchase Credit Impaired)

Normalized*

2.92%

3.92%

3.65%

2Q Results 2015 | cbbank.com

Efficiency & Expenses

2Q Results 2015 | cbbank.com

Efficiency Ratio

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2011

2012

2013

2014

2015

Efficiency Ratio

28

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

2Q Results 2015 | cbbank.com

Non-Interest Expense

as a % of Average Assets

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2011

2012

2013

2014

2015

Non-Interest Expense as a % of Average Assets

29

1.69%

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

2Q Results 2015 | cbbank.com

Capital

Capital Ratios

31

* CVB Financial Corp. -

Consolidated

Regulatory

Minimum Ratio

Regulatory

Well-Capitalized Ratio

March 31, 2015*

Tier 1 Risk-based Capital Ratio

6.0%

8.0%

17.35%

Total Risk-based Capital Ratio

8.0%

10.0%

18.60%

Tier 1 Leverage Ratio

4.0%

5.0%

10.94%

Common Equity Tier 1 Capital Ratio

4.5%

6.5%

16.81%

Tangible Capital Ratio

11.13%

2Q Results 2015 | cbbank.com

Securities & Investments

2Q Results 2015 | cbbank.com

Municipal

Bonds 16.85%

Government

Agency &

GSEs 11.14%

MBS 58.86%

CMO's /

REMIC's

12.99%

Trust Preferred

0.16%

Source: Q2 2015 earnings release. As of  6/30/2015 securities held-to-maturity were valued at

approximately $1.4 million | Yield on securities represents the fully taxable equivalent

*Securities Available For Sale

Securities portfolio totaled $3.2 billion at 6/30/2015.  The portfolio represents 41.0% of the Bank’s

total assets

Virtually all of the Bank’s mortgage-backed securities were issued by Freddie Mac or Fannie Mae

which

have

the

implied

guarantee

of

the

U.S.

government.

Approximately

97%

of

the

Bank’s

municipal portfolio contains securities which have an underlying rating of investment grade.

California municipals represent only 4.6% of the municipal bond portfolio

Securities portfolio totaled $3.2 billion at 6/30/2015.  The portfolio represents 41.0% of the Bank’s

total assets

Virtually all of the Bank’s mortgage-backed securities were issued by Freddie Mac or Fannie Mae

which

have

the

implied

guarantee

of

the

U.S.

government.

Approximately

97%

of

the

Bank’s

municipal portfolio contains securities which have an underlying rating of investment grade.

California municipals represent only 4.6% of the municipal bond portfolio

Yield on securities

portfolio =2.56%

for the 2nd Quarter 2015

Securities Portfolio*

--$3.2 Billion--

2Q Results 2015 | cbbank.com

-$40,000

-$20,000

$0

$20,000

$40,000

$60,000

$80,000

$100,000

Jun 09

Dec 09

Jun 10

Dec 10

Jun 11

Dec 11

Jun 12

Dec 12

Jun 13

Dec 13

Jun 14

Dec 14

Jun 15

Securities Portfolio*

$3.2 Billion

Mark-to-Market (Pre-tax)

(000’s)

*Securities Available For Sale

$40,878

2Q Results 2015 | cbbank.com

CVBF Assets

35

*Includes overnight funds held at the Federal Reserve, Interest earning -

due from Correspondent Banks, other short-term money market

accounts or certificates of deposit

Securities

41.0%

Fed

Balance*

4.5%

Other 5.1%

Goodwill &

Intangibles

1.0%

Loans,

net 48.4%

6/30/15

$7.7 Billion

Securities

42.4%

Fed

Balance*

2.4%

Other 4.6%

Goodwill &

Intangibles

0.7%

Loans,

net

49.9%

12/31/06

$6.1 Billion

2Q Results 2015 | cbbank.com

Yield on Securities vs. Yield on Loans

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

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

Q2

2009

2010

2011

2012

2013

2014

2015

Yield on Loans*

Yield on Securities

*Excluding Discount Accretion

2Q Results 2015 | cbbank.com

Total

Deposits*

61.4%

Other

Liabilities

0.7%

Borrowings

36.0%

Junior

subordinated

Debentures 1.9%

CVBF Liabilities

12/31/06

$5.7 Billion

6/30/15

$6.8 Billion

Total

Deposits*

97.84%

Other

Liabilities

1.78%

Borrowings

0.0%

Junior

subordinated

Debentures

0.38%

*Includes Customer Repurchase Agreements

2Q Results 2015 | cbbank.com

Our Growth Strategy

2Q Results 2015 | cbbank.com

Our Vision

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.

39

2Q Results 2015 | cbbank.com

Target Customer

The best privately-held and/or family-owned

businesses throughout California

Annual revenues of $1-200 million

Top 25% in their respective industry

Full relationship banking

Build 20-year relationships

40

2Q Results 2015 | cbbank.com

Three Areas of Growth

41

Same Store

Sales

DeNovo

Acquisitions

--Banks--

--Trust--

2Q Results 2015 | cbbank.com

•

Target size: $200 million to $2 billion in assets

•

Financial & Strategic

•

In-market and/or adjacent geographic market

(California only)

Acquisition Strategy

--Banks--

--Trust/Investment--

•

Target size: AUM of $200 million to $1 billion

•

In California

--Banking Teams--

•

In-

market & ‘new’ markets

2Q Results 2015 | cbbank.com

Our ‘Critical Few’

•

Execute on DeNovo

Growth Initiatives

•

Pursue Strategic Acquisitions

•

Quality Loan Growth

•

Provide Customer Solutions Through Technology

•

Expand Market Share Through Same Store Sales

2Q Results 2015 | cbbank.com

Copy of presentation at

www.cbbank.com

EX-99.2

Exhibit 99.2

Press Release For Immediate Release Contact: Christopher D. Myers President and CEO (909) 980-4030

CVB Financial Corp. to Present at the 16^th Annual Keefe, Bruyette & Woods Community Bank Investor Conference

Ontario, CA, July 24, 2015 – Christopher D. Myers, President and Chief Executive Officer of CVB Financial Corp., will be making a presentation and hosting one-on-one meetings with investors at the 16^th Annual Keefe, Bruyette & Woods Community Bank Investor Conference on Tuesday, July 28, 2015. The conference will take place at the Grand Hyatt in New York City, NY from July 28 to July 29, 2015.

Mr. Myers will be giving a formal presentation on Tuesday, July 28 at 8:00 a.m. (EDT). The presentation will be available by way of live webcast and can be accessed through a link (http://wsw.com/webcast/kbw29/cvbf) or by visiting CVB Financial Corp.’s website at www.cbbank.com under the “Investors” tab for 90 days after the presentation.

Corporate Overview

CVB Financial Corp. is the holding company for Citizens Business Bank. The Bank is the largest financial institution headquartered in the Inland Empire region of Southern California with assets of approximately $7.70 billion. Citizens Business Bank serves 43 cities with 40 Business Financial Centers, seven Commercial Banking Centers, and three trust office locations serving the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, and the Central Valley areas of California.

Shares of CVB Financial Corp. common stock are listed on the NASDAQ under the ticker symbol “CVBF.” For investor information on CVB Financial Corp., visit our Citizens Business Bank website at www.cbbank.com and click on the “Investors” tab.