---
schema_version: "secwatch.filing_event.v1"
accession: "0000726854-26-000103"
form_type: "8-K"
ticker: "CHCO"
cik: "0000726854"
company_name: "CITY HOLDING CO"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:43:23.198645+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# City Holding Q1 net income $31.7M ($2.20 EPS); NIM 3.97%, buyback authorized 1M shares

## Summary
- Net income $31.7M, diluted EPS $2.20; ROA 1.92%, ROE 19.3%.
- Net interest margin improved to 3.97% from 3.94% Q4 2025; net interest income $59.6M, down 1.6% sequentially.
- Nonperforming assets decreased to 0.27% of loans (from 0.32% at Dec 2025); provision for credit losses $0.6M.
- Board authorized up to 1M share buyback (~7% of outstanding); $0.87 dividend declared, payable Apr 30.
- Loans $4.50B, down 0.3% from Dec 2025; deposit balances increased $42.6M to quarter-end.

## SEC filing metadata
- accession: 0000726854-26-000103
- form_type: 8-K
- ticker: CHCO
- cik: 0000726854
- company_name: CITY HOLDING CO
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726854/000072685426000103/0000726854-26-000103-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726854/000072685426000103/chco-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726854-26-000103
- JSON: https://secwatch.observer/filing/0000726854-26-000103.json
- Plain text: https://secwatch.observer/filing/0000726854-26-000103.txt

## Source-grounded claims
- claim_id: 2131a073834b1c2e50bf3803647303d47488398b
  claim: CITY HOLDING CO reported first quarter ended March 31, 2026 results: net income $31.7 million, EPS $2.20 per share.
  evidence_excerpt: today announced net income of $31.7 million and diluted earnings of $2.20 per share for the quarter ended March 31, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/726854/000072685426000103/0000726854-26-000103-index.htm

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