---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-25-000116"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2025-04-23T23:59:59+00:00"
generated_at: "2026-05-23T08:34:06.067107+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# City Holding Q1 net income $30.3M, EPS $2.06; NIM expands to 3.84%

## Summary
- Net income $30.3M, diluted EPS $2.06; ROA 1.89%, ROTE 20.7%.
- Net interest margin improved to 3.84% from 3.75% in Q4 2024; net interest income up 0.4% to $55.8M.
- Nonperforming assets ratio 0.38% ($16.5M) vs 0.35% ($15.0M) at year-end; no provision for credit losses.
- Non-interest expenses up 4.8% to $37.6M; wealth management fee income up 10.6%.
- Declared quarterly dividend $0.79/share payable Apr 30; repurchased 80,600 shares at $117.42 avg.

## SEC filing metadata
- accession: 0000726854-25-000116
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2025-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726854/000072685425000116/0000726854-25-000116-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685425000116/chco-20250423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-25-000116
- JSON: https://secwatch.observer/filing/0000726854-25-000116.json
- Plain text: https://secwatch.observer/filing/0000726854-25-000116.txt

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