---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-25-000173"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:53:26.033388+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 Q3 net income of $35.2M, EPS $2.41; dividend raised 10%

## Summary
- Record quarterly net income of $35.2M ($2.41 diluted EPS) vs $30.9M ($2.11) in Q3 2024.
- Net interest income rose 3.7% QoQ to $61.1M; net interest margin expanded to 4.04% from 3.95%.
- Gross loans grew 1.7% to $4.41B; nonperforming assets stable at 0.32% ($14.3M).
- Recovery of credit losses of $0.5M vs provision of $1.2M in prior-year quarter.
- Board approved $0.87 quarterly dividend, up 10% from $0.79, payable Oct 31, 2025.

## SEC filing metadata
- accession: 0000726854-25-000173
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2025-10-22T23:59:59+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/726854/000072685425000173/0000726854-25-000173-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685425000173/chco-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-25-000173
- JSON: https://secwatch.observer/filing/0000726854-25-000173.json
- Plain text: https://secwatch.observer/filing/0000726854-25-000173.txt

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