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City Holding Co

CHCO · Financials

Last earnings Oct 26, 2026

Key results

Net incomequarter

$35.2 million

net income of $35.2 million and diluted earnings of $2.41 per share for the quarter ended September 30, 2025, driven by strong loan growth, higher net interest income, and continued credit quality stability.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

EPSquarter

$2.41

net income of $35.2 million and diluted earnings of $2.41 per share for the quarter ended September 30, 2025, driven by strong loan growth, higher net interest income, and continued credit quality stability.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q2 2025 · reported Oct 22, 2025

Based on: Earnings release + parent 8-K + 10-K — transcript not held

EPS · Q2 2025
$2.41
EX-99 · Oct 22, 2025
Net income · Q2 2025
$35.2M
EX-99 · Oct 22, 2025

Headline figures

MetricQ2 2025Prior qtrYear ago
Net income$35.2 million——
EPS$2.41——

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.87

City National has borrowing facilities with the Federal Reserve Bank and the Federal Home Loan Bank that can be accessed as necessary to fund operations and to provide contingency funding.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

City Holding Co Q2 2025 — net income of $35.2 million and diluted earnings of $2.41 per share for the quarter ended September 30, 2025, driven by strong loan growth, higher net interest income, and continued credit quality sta…

Based on: Earnings release + parent 8-K + 10-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

City National has borrowing facilities with the Federal Reserve Bank and the Federal Home Loan Bank that can be accessed as necessary to fund operations and to provide contingency funding.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

These borrowing facilities are collateralized by various loans held on City National s balance sheet.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

As of September 30, 2025, City National had the capacity to borrow an additional $1.7 billion from these existing borrowing facilities.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

In addition, approximately $725 million of City National s investment securities were pledged to collateralize customer repurchase agreements and various deposit accounts, leaving approximately $815 million of City National s investment securities unpledged at September 30, 2025.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

On September 24, 2025, the Board of Directors of the Company approved a quarterly cash dividend of $0.87 per share, payable October 31, 2025 to shareholders of record as of October 15, 2025.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

This represents a 10.0% increase from the $0.79 per share dividend paid on July 31, 2025.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

Residential real estate loans represent loans to consumers that are secured by a first priority lien on residential real property.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Residential real estate loans include loans for the purchase or refinance of consumers' residences and first-priority home equity loans that allow consumers to borrow against the equity in their home.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Residential purchase real estate loans are generally underwritten to comply with Fannie Mae and Freddie Mac guidelines, while first priority lien home equity loans are underwritten with typically less documentation, lower loan-to-value ratios and shorter maturities.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

" City National's home equity loans represent loans to consumers that are secured by a second (or junior) priority lien on residential real property.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Home equity loans allow consumers to borrow against the equity in their home without paying off an existing first priority lien.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Risks & headwinds

Forward-looking statements express only management s beliefs regarding future results or events and are subject to inherent uncertainty, risks, and changes in circumstances, many of which are outside of management s control.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Uncertainty, risks, changes in circumstances and other factors could cause the Company s actual results to differ materially from those projected in the forward-looking statements.

SEC original ↗City Holding Co — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Legal Proceedings 26 Item 4.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Forward-looking statements express only management's beliefs regarding future results or events and are subject to inherent uncertainty, risks and changes in circumstances, many of which are outside of management's control.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Uncertainty, risks, changes in circumstances and other factors could cause the Company's actual results to differ materially from those projected in the forward-looking statements.

SEC original ↗City Holding Co — 10-K Annual report10-KFeb 25, 2026

Documents

Earnings deck slides

0 decks with slide view

City Holding Co — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

33 documents

Earnings releases

14 documents

Presentations

1 document

Transcripts

0 documents

No transcripts for City Holding Co are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.