---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-184246"
form_type: "8-K"
ticker: "CVBF"
cik: "0000354647"
company_name: "CVB FINANCIAL CORP"
filed_at: "2024-07-25T23:59:59+00:00"
generated_at: "2026-05-31T16:26:37.568842+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CVB Financial Q2 net income $50M ($0.36 EPS), down 10% YoY; NIM 3.05%, NPLs rise

## Summary
- Net earnings $50.0M, diluted EPS $0.36 vs $0.40 YoY and $0.35 QoQ. ROAA 1.24%, ROATCE 15.51%.
- Net interest margin 3.05%, down 5 bps QoQ and 17 bps YoY; cost of funds up to 1.38%.
- Average deposits up $245.3M QoQ; noninterest-bearing deposits 60.2% of total deposits.
- Nonperforming loans rose to $25.0M (0.29% of loans) from $13.8M at March 31, 2024.
- No provision for credit losses in Q2; net charge-offs only $31K; CET1 ratio >15%.

## SEC filing metadata
- accession: 0001193125-24-184246
- form_type: 8-K
- ticker: CVBF
- cik: 0000354647
- company_name: CVB FINANCIAL CORP
- filed_at: 2024-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/354647/000119312524184246/0001193125-24-184246-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/354647/000119312524184246/d870472d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-184246
- JSON: https://secwatch.observer/filing/0001193125-24-184246.json
- Plain text: https://secwatch.observer/filing/0001193125-24-184246.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.