---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-25-000150"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:45:03.631313+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# City Holding posts record Q2 net income of $33.4M; EPS $2.29, ROA 2.03%

## Summary
- Record quarterly net income of $33.4M; diluted EPS $2.29; return on assets 2.03%, return on tangible equity 22.7%.
- Net interest margin expanded to 3.95% from 3.84% in Q1; net interest income increased 5.6% sequentially.
- Credit quality improved: nonperforming assets ratio fell to 0.33% from 0.38%; recorded $2.0M recovery of credit losses.
- Loans grew $53.4M (1.3%) to $4.34B; deposit mix core retail; tangible equity ratio 9.4%.
- Repurchased 175k shares at $111.09; quarterly dividend $0.79 per share.

## SEC filing metadata
- accession: 0000726854-25-000150
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2025-07-22T23:59:59+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/726854/000072685425000150/0000726854-25-000150-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685425000150/chco-20250722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-25-000150
- JSON: https://secwatch.observer/filing/0000726854-25-000150.json
- Plain text: https://secwatch.observer/filing/0000726854-25-000150.txt

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