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City Holding Company
City Holding Company (CHCO) investor relations material
City Holding Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record net income of $130.5 million and diluted EPS of $8.93 for 2025, with ROA of 1.97% and return on tangible equity of 21.2%.
Focused on customer service, community engagement, and employee morale, supporting strong financial performance.
Financial highlights
Net interest income rose 7.3% year-over-year to $236.4 million, driven by higher loan balances and lower cost of interest-bearing liabilities.
Non-interest income increased to $77.8 million, up from $73.3 million, with gains in wealth management and service charges.
Non-interest expenses grew 4.7% to $154.1 million, mainly due to higher salaries, benefits, and equipment costs.
Net interest margin improved to 3.94% for 2025, up from 3.86% in 2024.
Book value per share rose to $56.41, and tangible book value per share to $45.41 at year-end.
Outlook and guidance
Management anticipates that recent declines in investment income will be offset by loan growth in early 2026.
Forward-looking statements highlight risks from economic conditions, credit quality, interest rates, and regulatory changes.
DDA account growth trend vs. customer focus strategy
Q1 2026 NII outlook given swap maturities and loan growth
Deposit mix's role in funding stability and loan growth
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Next City Holding Company earnings date
Q1 202624 Apr, 2026
City Holding Company
Next City Holding Company earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
City Holding Company is a financial holding company based in Charleston, West Virginia. It operates primarily through its wholly owned subsidiary, City National Bank of West Virginia. The company provides a broad range of banking services including credit, deposit, and investment management products. It serves both individual consumers and local businesses, offering commercial and residential real estate loans, consumer loans, mortgage banking services, and a variety of deposit accounts. City Holding Company also provides trust and wealth management services, along with cash management and merchant credit card services for its commercial clients. The company is headquartered in Charleston, West Virginia, and its shares are listed on the NASDAQ.
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