---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-26-000005"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:24:45.946388+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 annual net income of $130.5M, EPS $8.93 for 2025

## Summary
- Record net income of $130.5M and diluted EPS of $8.93 for year ended Dec 31, 2025.
- Net interest income rose to $236.4M from $220.2M YoY; NIM improved to 3.94%.
- Recovery of credit losses of $1.4M vs provision of $1.8M in 2024; nonperforming assets fell to 0.32%.
- Loans grew 5.4% to $4.51B; tangible equity ratio improved to 9.9%.
- Quarterly dividend of $0.87/share approved; 397K shares repurchased at avg $115.24.

## SEC filing metadata
- accession: 0000726854-26-000005
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2026-01-21T23:59:59+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/726854/000072685426000005/0000726854-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685426000005/chco-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-26-000005
- JSON: https://secwatch.observer/filing/0000726854-26-000005.json
- Plain text: https://secwatch.observer/filing/0000726854-26-000005.txt

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