---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-25-000005"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T17:26:33.748997+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# City Holding reports record 2024 net income $117.1M, EPS $7.89

## Summary
- Record annual net income $117.1M, diluted EPS $7.89; ROA 1.85%, ROE 21.2%.
- Net interest margin compressed to 3.75% in Q4 2024 (from 3.87% Q3) on higher funding costs.
- Nonperforming assets rose to 0.35% of loans vs 0.21% year ago, driven by $2M charge-off on a commercial movie theater loan.
- Board declared $0.79 quarterly dividend payable Jan 31, 2025; repurchased 179K shares in 2024 at $100.24 avg.
- Loans grew $149M (+3.6%) to $4.27B; deposits up $210M (+4.3%) from Dec 2023.

## SEC filing metadata
- accession: 0000726854-25-000005
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726854/000072685425000005/0000726854-25-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685425000005/chco-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-25-000005
- JSON: https://secwatch.observer/filing/0000726854-25-000005.json
- Plain text: https://secwatch.observer/filing/0000726854-25-000005.txt

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