As the premier relationship bank in California with over $21 Billion in assets, CVB Financial Corp. and Citizens Business Bank empower small to medium-sized enterprises, agribusiness pioneers, and private clients to thrive.
Access commercial treasury or personal accounts
Maximize your corporate or personal liquidity with fixed, insured short-term yield.
Lock in strong yields for over a full calendar year against prospective Fed rate reductions.
Automate excess operating cash into overnight yield sweeps while offsetting bank fees.
*APY = Annual Percentage Yield. Substantial penalty for early withdrawal from Certificates of Deposit. Rates subject to change without notice. Member FDIC.
From multi-generational family farms to mid-market manufacturing and private wealth management, our relationship managers provide local decision-making and customized capital.
Working capital lines, equipment loans, asset-based lending, and commercial real estate acquisition with responsive California lenders.
California's leader in agricultural and livestock financing for over 45 years. Specialized crop cycles, ranch land mortgages, and feedlot credits.
State-of-the-art cash management systems with Positive Pay, Automated Clearing House (ACH) blocks, and merchant transaction settlements.
Fiduciary trust management, private portfolio construction, estate planning, and corporate retirement 401(k) plan consulting.
Estimate monthly debt service and interest obligations for working capital lines, equipment financing, or commercial real estate expansion.
Our loan officers assess debt service coverage (DSCR) and collateral flexibility tailored to California market conditions.
Since our founding in 1974, these principles have guided our growth into one of the top ten percent of all financial institutions in the nation.
Conservative credit underwriting, pristine capital ratios, and over 180 consecutive profitable quarters.
Tenured bankers with deep domain knowledge across manufacturing, agriculture, healthcare, and real estate.
Dedicated relationship banking where you speak directly with experienced officers, never an automated call maze.
Industry-leading efficiency ratios ensuring long-term shareholder value and competitive rates for depositors.
Celebrating mutual client achievements, community involvement, and pride in California's economic vigor.
With more than 75 commercial banking centers and trust offices spanning Southern California, the Central Valley, and the Bay Area, our teams are close to your business operations.
"During our acquisition of a 120,000 sq ft logistics facility in Ontario, the Citizens Business Bank commercial lending team closed our financing in under 3 weeks. You simply don't get that speed from East Coast mega-banks."
"Our family dairy operation in Visalia has banked with Citizens Business Bank for over 30 years. Their agricultural lending officers actually understand milk prices, water rights, and herd cycles. They are genuine partners."
"CitizensTrust helped us structure our multi-generational succession plan and set up our corporate 401(k). Knowing our trust officers are local Californians who care about our legacy gives our family complete peace of mind."
Whether you are seeking a commercial line of credit, enhanced treasury management, agricultural financing, or private wealth preservation, our dedicated officers are ready to assist.
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