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CVBF on Nasdaq

CVB FINANCIAL CORP

CVB FINANCIAL CORP is an American state commercial bank, incorporated in California.1 It is headquartered in Ontario, California.1 Its shares trade on Nasdaq under the symbol CVBF.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCVBF on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersOntario, California1
  • Incorporated inCA2
  • Business address701 N Haven Ave Ste 300, Ontario, Ca 917642
  • Filer categoryLarge accelerated filer2

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CVB Financial Corp. (referred to herein on an unconsolidated basis as “CVB” and on a consolidated basis as “we”, “our” or the “Company”) is a bank holding company incorporated in California on April 27, 1981 and registered with the Board of Governors of the Federal Reserve System (“Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company commenced business on December 30, 1981 when, pursuant to a reorganization, it acquired all of the voting stock of Chino Valley Bank. On March 29, 1996, Chino Valley Bank changed its name to Citizens Business Bank, and on December 15, 2025, Citizens Business Bank changed its name to Citizens Business Bank, National Association (“CBB” or the “Bank”). The Bank is our principal asset. The Company has one inactive subsidiary, Chino Valley Bancorp.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Account brought in 52% of the revenue CVB FINANCIAL CORP broke down this way in fiscal 2025.

  1. Deposit Account$19.5M552%down 4% from 2024
  2. Fiduciary and Trust$15.0M540%up 9% from 2024
  3. Credit Card$2.7M57%up 64% from 2024
Products and services by year
Products and services202320242025
Deposit Account$20.2M$20.4M$19.5M
Fiduciary and Trust$12.6M$13.7M$15.0M
Credit Card$1.6M$1.7M$2.7M

Financial statements

Operating income6785$314.0M in 2025+104567% since 2022
0$100.0M$200.0M$300.0M$400.0M2022: $300.0K$300.0K20222023: $314.0M$314.0M2023+104567%2024: $314.0M$314.0M2024+0%2025: $314.0M$314.0M2025+0%
Net income96785$209.3M in 2025+1% since 2019
0$100.0M$200.0M$300.0M2019: $207.8M$207.8M20192020: $177.2M$177.2M2020−15%2021: $212.5M$212.5M2021+20%2022: $235.4M$235.4M2022+11%2023: $221.4M$221.4M2023−6%2024: $200.7M$200.7M2024−9%2025: $209.3M$209.3M2025+4%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Loans and leases, including fees$446.2M$455.8M$448.3M
Investment securities available-for-sale$76.0M$80.9M$83.6M
Investment securities held-to-maturity$51.4M$53.2M$54.8M
Total investment income$127.3M$134.0M$138.3M
Dividends from FHLB stock$1.7M$1.6M$1.9M
Interest-earning deposits with other institutions$18.1M$38.8M$17.9M
Total interest income$593.3M$630.1M$606.3M
Deposits$101.3M$105.5M$51.5M
Borrowings and customer repurchase agreements$30.3M$76.7M$66.8M
Other$1.4M$573.0K
Total interest expense$133.0M$182.8M$118.3M
Net interest income before (recapture of) provision for credit losses$460.3M$447.3M$488.0M
(Recapture of) provision for credit losses-$3.5M-$3.0M$2.0M
Net interest income after (recapture of) provision for credit losses$463.8M$450.3M$486.0M
BOLI income$11.5M$12.4M$12.8M
Loss on sale of investment securities-$11.0M-$28.3M$0
"Gain on Other real estate owned (""OREO""), net"$2.3M$0$0
Gain on sale leaseback transactions$0$25.9M$0
Other$15.2M$8.7M$12.2M
Total noninterest income$55.2M$54.5M$59.3M
Salaries and employee benefits$144.5M$144.5M$139.2M
Occupancy and equipment$23.8M$23.4M$22.1M
Professional services$9.2M$10.5M$9.1M
Computer software expense$17.1M$15.3M$14.1M
Marketing and promotion$6.9M$7.3M$6.8M
Amortization of intangible assets$4.2M$5.3M$6.5M
Provision for (recapture of) unfunded loan commitments$2.0M-$1.2M-$500.0K
Acquisition related expenses$1.6M$0$0
Other$28.0M$28.5M$32.7M
Total noninterest expense$237.3M$233.6M$229.9M
Earnings before income taxes$281.7M$271.2M$315.4M
Income taxes$72.4M$70.5M$94.0M
Net earnings$209.3M$200.7M$221.4M
Unrealized gain on securities and derivatives during the period, before tax$122.1M$16.4M$44.3M
Less: Income tax expense related to items of other comprehensive income-$37.7M-$4.9M-$13.1M
Other comprehensive income, net of tax$84.4M$11.5M$31.2M
Comprehensive income$293.7M$212.2M$252.7M
Basic earnings per common share$1.52$1.44$1.59
Diluted earnings per common share$1.52$1.44$1.59

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Corporate structure

CVB FINANCIAL CORP sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CVB FINANCIAL CORP

  • CVB FINANCIAL CORP Ontario, California
    • Chino Valley Bancorp (Inactive) Subsidiary · California, United States
    • Citizens Business Bank Subsidiary · California, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CVB FINANCIAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$8.1M5 Dec 31, 2025$8.1M5 Dec 31, 2024+0.1%
Buildings and improvements$48.1M5 Dec 31, 2025$49.0M5 Dec 31, 2024−1.8%
Property and equipment, before depreciation$78.2M5 Dec 31, 2025$85.2M5 Dec 31, 2024−8.2%
Accumulated depreciation$51.7M5 Dec 31, 2025$57.6M5 Dec 31, 2024−10.3%
Property and equipment, net$26.5M5 Dec 31, 2025$27.5M5 Dec 31, 2024−3.8%
Operating-lease assets (leased space)$43.8M5 Dec 31, 2025$47.1M5 Dec 31, 2024−7.1%

Real estate and locations

ItemLatestA year beforeChange
Real estate properties48 Dec 31, 2024

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$376.4M5 Dec 31, 2025$204.7M5 Dec 31, 2024+83.9%
Debt securities available for sale$2.7B5 Dec 31, 2025$2.5B5 Dec 31, 2024+5.5%
Debt securities held to maturity$2.3B5 Dec 31, 2025$2.4B5 Dec 31, 2024−4.6%
Deposits held (banks)$12.1B5 Dec 31, 2025$11.9B5 Dec 31, 2024+1.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$765.8M5 Dec 31, 2025$765.8M5 Dec 31, 20240%
Finite-lived intangibles, gross$97.2M5 Dec 31, 2025$97.2M5 Dec 31, 20240%
Accumulated amortization$91.4M5 Dec 31, 2025$87.2M5 Dec 31, 2024+4.8%
Finite-lived intangibles, net$5.8M5 Dec 31, 2025$10.0M5 Dec 31, 2024−42.1%

Properties, in its own words

The principal executive offices of the Company and the Bank are located in Ontario, California, and are owned by the Bank.

As of December 31, 2025, the Bank occupied a total of 66 premises consisting of (i) 62 Banking Centers (“Centers”) of which one Center is located at our Corporate Headquarters in Ontario California, one loan production office in Temecula California and (ii) three operation and technology centers. We own 10 of these locations and the remaining properties are leased under various agreements with expiration dates ranging from 2025 through 2042. All properties are located in California.

The rest of Item 2

For additional information concerning properties, see Note 7 — Premises and Equipment and Note 21 — Leases of the Notes to the consolidated financial statements included in this report. See “Item 8 — Financial Statements and Supplemental Data.”

Item 2 of the 10-K filed Feb 27, 2026.4

Leadership

Who has led CVB FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. D. Linn Wiley2006
  2. David A. Brager2020–now

President

  1. D. Linn Wiley2006
  2. Brian T. Mauntel2021
  3. David A. Brager2022–now

Chief financial officer

  1. Edward Biebrich Jr.2008
  2. David A. Brager2013
  3. E. Allen Nicholson2016–now

Chief operating officer

  1. David C. Harvey2022–now
2010201520202025
Board members and other officers (31)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Chino Valley Bancorp (Inactive) California3
  • Citizens Business Bank California3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 23, 20268-K Executive or director change50
  2. Jul 23, 20268-K Results of operations; Regulation FD disclosure51
  3. Jun 15, 20268-K Other events52
  4. Jun 1, 20268-K Executive or director change53
  5. May 26, 20268-K Executive or director change54
  6. May 22, 20268-K Shareholder vote55
  7. May 7, 20268-K Financial statements and exhibits56
  8. Apr 23, 20268-K Results of operations; Regulation FD disclosure57
  9. Apr 21, 20268-K Completed an acquisition or sale; Executive or director change; Regulation FD disclosure58
  10. Apr 1, 20268-K Regulation FD disclosure; Other events59
  11. Mar 27, 20268-K Shareholder vote; Regulation FD disclosure60
  12. Mar 18, 20268-K Other events61
  13. Mar 27, 2020New chief executive David A. Brager becomes CEO13
  14. Feb 8, 2006New chief executive D. Linn Wiley becomes CEO14

Calendar

Coming up

  1. Oct 21, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.38 a share, on Oct 22, 2025.62

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results51
  2. Apr 23, 2026Reported quarterly or annual results57
  3. Jan 22, 2026Reported quarterly or annual results63
  4. Oct 23, 2025Reported quarterly or annual results64
  5. Aug 4, 2025Reported quarterly or annual results65
  6. Jul 24, 2025Reported quarterly or annual results66
  7. Apr 24, 2025Reported quarterly or annual results67
  8. Jan 23, 2025Reported quarterly or annual results68

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

378 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 71 major events, 236 insider forms, 16 large holders, 35 other. The latest 20:

  1. Aug 31, 20264 PRIMARY DOCUMENT EDGAR
  2. Aug 25, 20264 PRIMARY DOCUMENT EDGAR
  3. Aug 7, 202610-Q EDGAR
  4. Aug 5, 20264 PRIMARY DOCUMENT EDGAR
  5. Aug 4, 2026144 EDGAR
  6. Jul 31, 2026SCHEDULE 13G EDGAR
  7. Jul 28, 20264 PRIMARY DOCUMENT EDGAR
  8. Jul 23, 20268-K EDGAR
  9. Jul 23, 20268-K EDGAR
  10. Jul 23, 20263 PRIMARY DOCUMENT EDGAR
  11. Jun 15, 20268-K EDGAR
  12. Jun 9, 20264 PRIMARY DOCUMENT EDGAR
  13. Jun 3, 20264 PRIMARY DOCUMENT EDGAR
  14. Jun 1, 20268-K EDGAR
  15. May 26, 20268-K EDGAR
  16. May 22, 20268-K EDGAR
  17. May 22, 20264 PRIMARY DOCUMENT EDGAR
  18. May 20, 20264 PRIMARY DOCUMENT EDGAR
  19. May 20, 20264 PRIMARY DOCUMENT EDGAR
  20. May 20, 20264 PRIMARY DOCUMENT EDGAR

The 378 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

37 open-market trades by officers, directors and large owners since October 2021: 27 buys and 10 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 31, 2026Maddox MikeDirectorBuy10,000$22.03$220.3KForm 4
Aug 5, 2026Harvey David CEVP Chief Operating OfficerSale40,000$22.94$917.6KForm 4
Jul 28, 2026O Brien Raymond V IIIDirectorBuy20,000$22.77$455.4KForm 4
May 22, 2026Borba George A JrDirectorBuy48,894$20.45$999.9KForm 4
May 19, 2026Borba George A JrDirectorBuy25,187$19.85$500.0KForm 4
May 14, 2026Borba George A JrDirectorBuy25,097$19.92$499.9KForm 4
May 12, 2026Borba George A JrDirectorBuy50,242$19.90$999.8KForm 4
Nov 14, 2025Borba George A JrDirectorBuy27,094$18.45$499.9KForm 4
Sep 10, 2025Kan AnnaDirectorSale11,000$20.35$223.8KForm 4
Aug 14, 2025Olvera JaneDirectorSale1,200$19.55$23.5KForm 4
Aug 4, 2025Borba George A JrDirectorBuy53,567$18.67$1.0MForm 4
Nov 26, 2024Del Guercio Stephen ADirectorSale8,289$23.80$197.3KForm 4
Jul 2, 2024Sheehy Kimberly H.DirectorSale2,961$17.14$50.8KForm 4
Jun 17, 2024Borba George A JrDirectorBuy4,610$16.00$73.8KForm 4
Jun 14, 2024Borba George A JrDirectorBuy34,200$15.99$546.9KForm 4
Apr 30, 2024Farnsworth David FEVP & CCOBuy1,100$16.41$18.1KForm 4
Feb 6, 2024Borba George A JrDirectorBuy59,601$16.78$1.0MForm 4
Feb 6, 2024Brager David A.President & CEOBuy2,000$16.75$33.5KForm 4
Feb 1, 2024Nicholson E AllenEVP & CFOBuy2,000$16.77$33.5KForm 4
Nov 2, 2023Borba George A JrDirectorBuy97,006$16.83$1.6MForm 4

All 37 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025David A. Brager$928.8K$3.8M76
2025David C. Harvey$564.5K$1.5M76
2025E. Allen Nicholson$554.5K$1.5M76
2025David F. Farnsworth$426.8K$1.1M76
2025Richard H. Wohl$374.0K$1.0M76
2024President and CEO of the Company and the Bank$879.0K$3.1M76
2024EVPChief Financial Officer$535.4K$1.3M76
2023President and CEO of the Company and the Bank$824.0K$2.8M76
2023of the Company and the Bank$519.2K$1.3M76
2023EVPChief Credit Officer of the Bank$399.3K$1.0M76

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.25,688,910$579.3M0.0%+6,662,367
State Street Corp10,506,193$236.9M0.0%+2,549,968
Vanguard Portfolio Management LLC10,155,075$229.0M0.0%+2,264,677
Dimensional Fund Advisors LP10,051,580$226.7M0.0%+2,438,293
Fmr LLC9,834,715$221.8M0.0%+2,393,864
Vanguard Capital Management LLC7,550,510$170.3M0.0%+1,861,852
Charles Schwab Investment Management Inc6,380,873$143.9M0.0%+1,782,821
Geode Capital Management, LLC4,476,687$101.0M0.0%+1,194,937
Parallel Advisors, LLC3,529,148$79.6M1.2%−129,205
HoldCo Asset Management, LP3,397,983$76.6M4.9%+1,055,239
Arrowstreet Capital, Limited Partnership3,060,279$69.0M0.0%+1,838,842
Morgan Stanley2,881,361$65.0M0.0%+833,736
Silvercrest Asset Management Group LLC2,180,413$49.2M0.3%−179,542
Victory Capital Management Inc2,040,379$46.0M0.0%−29,870
Northern Trust Corp1,991,306$44.9M0.0%+516,926
Fuller & Thaler Asset Management, Inc.1,973,161$44.5M0.1%−71,756
Massachusetts Financial Services Co /ma/1,963,675$44.3M0.0%+174,126
Bank of New York Mellon Corp1,688,074$38.1M0.0%+366,587
Goldman Sachs Group Inc1,585,500$35.8M0.0%+201,361
Manufacturers Life Insurance Company, The1,327,170$29.9M0.0%+798,117
FJ Capital Management LLC1,295,322$29.2M3.8%+443,896
Wellington Management Group Llp1,227,820$27.7M0.0%+173,984
Vanguard Fiduciary Trust Co1,114,218$25.1M0.0%+287,970
D. E. Shaw & Co., Inc.1,045,588$23.6M0.0%+76,314
Citadel Advisors LLC961,835$21.7M0.0%+214,360

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CVB FINANCIAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCVB FINANCIAL CORP1
  • CIK0000354647
  • Employer ID (EIN)95-36293394
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inCalifornia4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address701 N Haven Ave Ste 300, Ontario, CA 917641
  • Mailing address701 N Haven Avenue, Ontario, CA 917641
  • Phone90998040301
  • Shares outstanding175,997,435 as of Aug 3, 202611
  • Public float$2.6B as of Jun 30, 20254
  • AuditorKPMG LLP, Irvine, California PCAOB ID 185; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMar 29, 19941
  • Filings1,698 in all: 4 (805), 8-K (375), 10-Q (98), SC 13G/A (78), 3 (34), 425 (34), DEF 14A (33), 10-K (32)1
    All 37 form types

    4/A (32), 144 (27), SC 13G (25), DEFA14A (18), CORRESP (17), UPLOAD (15), 8-K/A (9), ARS (9), S-4/A (7), S-8 (7), EFFECT (6), S-4 (6), SCHEDULE 13G (6), 10-K/A (5), 424B3 (3), 10-Q/A (2), 8-A12G (2), PRE 14A (2), 10-K405 (1), 424A (1), 424B4 (1), 5 (1), 5/A (1), DEFM14A (1), NT 10-Q (1), S-1 (1), S-1/A (1), SC 13D (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Jul 23, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par valueCVBFNASDAQ Stock Market, LLC

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks CVB FINANCIAL CORP names in Item 1A of its 10-K filed Feb 27, 2026: 56 risks under these headings, as written.4

  • Credit Risks
  • Liquidity and Interest Rate Risks
  • Operational Risks
  • Strategic and External Risks
  • Legal, Regulatory, Compliance and Reputational Risks
  • Risks Associated with our Common Stock
  • Our allowance for credit losses may not be sufficient to cover actual losses.
  • We may be required to make additional provisions for credit losses and charge-off additional loans in the future, which could adversely affect our results of operations.
  • Our dairy & livestock and agribusiness lending presents unique credit risks.
  • Our loan portfolio is predominantly secured by real estate in California and thus we have a higher degree of credit risk from a downturn in our real estate markets.
  • Our commercial real estate loan portfolio exposes us to risks that may be greater than the risks related to our other loans.
  • We are exposed to risk of environmental liabilities with respect to properties to which we take title.
The other 50 risks
  • Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
  • Negative developments affecting the banking industry could adversely impact our liquidity.
  • The actions and commercial soundness of other financial institutions could affect our ability to engage in routine funding transactions.
  • We may not be able to maintain a strong core deposit base or other low-cost funding sources.
  • Elevated interest rates have decreased the market value of the Company’s available for sale and held-to-maturity securities and loan portfolios, and the Company would realize losses if it were required to sell such securities or loans to meet liquidity needs.
  • Hedging against interest rate exposure may adversely affect our earnings.
  • We face risks related to our operational, technological and organizational infrastructure.
  • The development and use of AI presents risks and challenges that may adversely impact our business.
  • Failure to manage our growth may adversely affect our performance.
  • Risks Relating to our Pending Merger with Heritage
  • Failure to complete the proposed merger with Heritage
  • Combining with Heritage may be more difficult, costly or time-consuming than expected, and the Company may fail to realize the anticipated benefits of the merger.
  • The combined company may be unable to retain the Company/s and/or Heritage’s personnel successfully after the merger is completed.
  • The Company will be subject to business uncertainties and contractual restrictions while the merger with Heritage is pending.
  • The Company has incurred and is expected to incur substantial costs related to the merger and integration.
  • The merger agreement between the Company and Heritage may be terminated in accordance with its terms and the merger may not be completed.
  • Regulatory approvals may not be received, may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on the Company following the merger.
  • Our assumptions regarding the fair value of assets acquired could be inaccurate, which could materially and adversely affect our business, financial condition, results of operations, and future prospects.
  • The future results of the Company following the completion of the mergers may suffer if the Company does not effectively manage its expanded business and operations.
  • Issuance of shares of the Company’s common stock in connection with the merger may adversely affect the market price of such common stock.
  • The occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents to either our information systems or information systems provided by third party vendors could have a material adverse effect on our business, financial condition and results of operations.
  • Our business is exposed to the risk of changes in technology.
  • Our controls and procedures could fail or be circumvented.
  • Failure to maintain effective internal control over financial reporting or disclosure controls and procedures could adversely affect our ability to report our financial condition and results of operations accurately and on a timely basis.
  • We rely on communications, information, operating and financial control systems technology from third-party service providers, and we may suffer an interruption in those systems.
  • We are dependent on key personnel and the loss of one or more of those key personnel may materially and adversely affect our prospects.
  • If our enterprise risk management framework is not effective at mitigating risk and loss to us, we could suffer unexpected losses and our results of operations could be materially adversely affected.
  • Changes in stock market prices could reduce fee income from our brokerage, asset management and investment advisory businesses.
  • Our accounting estimates and risk management processes rely on analytical and forecasting models.
  • Our decisions regarding the fair value of assets acquired could be different than initially estimated, which could materially and adversely affect our business, financial condition, results of operations, and future prospects.
  • If the goodwill that we recorded in connection with business acquisitions becomes impaired, it could require charges to earnings, which would have a negative impact on our financial condition and results of operations.
  • Changes in economic, market and political conditions can adversely affect our liquidity, results of operations and financial condition.
  • Our earnings are significantly affected by the fiscal and monetary policies of the federal government and its agencies.
  • Future legislation, regulatory reform or policy changes could have a material effect on our business and results of operations.
  • We face strong competition from financial services companies and other companies that offer banking services.
  • Consumers may decide not to use banks to complete their financial transactions.
  • Potential downgrades of U.S. government securities or the securities of U.S. government-sponsored entities by one or more of the credit ratings agencies could have a material adverse effect on our operations, earnings, and financial condition.
  • Climate change and climate change regulation could have a material adverse effect on us and our customers.
  • Public Health Risks
  • We are subject to extensive government regulation that could limit or restrict our activities, which, in turn, may hamper our ability to increase our assets and earnings.
  • Any enhanced regulatory examination scrutiny or new regulatory requirements arising from recent events in the banking industry could increase the Company’s expenses and affect the Company’s operations and acquisition opportunities.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • The impact of current capital rules may materially affect our operations.
  • Increasing scrutiny and evolving expectations from regulators, customers, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.
  • Managing reputational risk is important to attracting and maintaining customers, investors and employees.
  • We depend on the accuracy and completeness of information provided by customers and counterparties.
  • We are subject to legal and litigation risk which could adversely affect us.
  • The price of our common stock may be volatile or may decline.
  • Our common stock is subordinate to our existing and future indebtedness and preferred stock.
  • Anti-takeover provisions and federal law may limit the ability of another party to acquire us, which could cause our stock price to decline.
  • We could reduce or discontinue the payment of dividends on our common stock.
  • We may face other risks.

Legal proceedings

The Company and its subsidiaries are parties to various lawsuits, threatened lawsuits and investigations in the course of business. From time to time, such lawsuits, threatened lawsuits and investigations may include, but are not limited to, actions involving securities law compliance and litigation, employment matters, wage-hour and labor law claims, consumer claims, regulatory compliance claims, government loan program compliance, data privacy claims, lender liability claims, bankruptcy-related claims, and fraud and negligence claims, some of which may be styled as “class action” or representative cases. Some of these lawsuits or investigations may be similar in nature to other lawsuits or investigations pending against the Company’s competitors. For additional information concerning legal proceedings, see Note 12 — Commitments and Contingencies of the Notes to the consolidated financial statements included in this report.

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
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    SEC EDGAROther events
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