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CVB Financial Corp. operates as the bank holding company for Citizens Business Bank that provides various banking and trust services for small-and medium-sized businesses, professionals, and individuals. It operates in two segments, Business Financial and Commercial Banking Centers, and Treasury. The company offers various deposit products, including checking, savings, money market, and time certificates of deposit for business and personal accounts, as well as acts as a federal tax depository for business customers. It also provides various lending products comprising commercial products, such as lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agribusiness products that comprise loans to finance the needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing for municipal governments; financing products, such as automobile leasing and financing, lines of credit, and home improvement and home equity lines of credit; and real estate loans consisting of mortgage and construction loans. In addition, the company offers various specialized services, including cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers by way of domestic and international wires and automated clearinghouse, and on-line account access, as well as various investment products. Further, it provides various financial services and trust services consisting of fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of April 17, 2013, the company had 40 business financial centers; 5 commercial banking centers; and 3 trust office locations serving the Inland Empire, Los Angeles County, Orange County, and the Central Valley areas of California. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.