---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-24-000006"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2024-01-24T23:59:59+00:00"
generated_at: "2026-06-06T19:35:33.523815+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# City Holding reports record net income of $114.4M in 2023; diluted EPS $7.61

## Summary
- Full-year 2023 net income $114.4M, diluted EPS $7.61 (record); ROA 1.87%, ROTE 23.8%.
- Net interest income increased to $219.2M from $180.0M in 2022; net interest margin 4.01% vs 3.33%.
- Completed acquisition of Citizens Commerce Bancshares; loans grew 13.2% including acquisition, 6.2% organic.
- Nonperforming assets ratio 0.21% at year-end, up from 0.17% due to acquisition; provision $3.2M for year.
- Dividend of $0.715 per share declared; repurchased 667,000 shares at avg $90.21 during 2023.

## SEC filing metadata
- accession: 0000726854-24-000006
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2024-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726854/000072685424000006/0000726854-24-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685424000006/chco-20240124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-24-000006
- JSON: https://secwatch.observer/filing/0000726854-24-000006.json
- Plain text: https://secwatch.observer/filing/0000726854-24-000006.txt

## Key facts
- Earnings Releases
  CITY HOLDING CO reported the year ended December 31, 2023 results: net income $114.4 million, EPS $7.61 per share.
  - Period: the year ended December 31, 2023
  - Net income: $114.4 million
  - EPS: $7.61 per share
  - Result: reported results
  source text: today announced record net income of $114.4 million and record diluted earnings of $7.61 per share for the year ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/726854/000072685424000006/0000726854-24-000006-index.htm

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