City Holding Company reported a solid financial performance for the third quarter and the first nine months of 2025, with net income available to common shareholders reaching $35.2 million for the quarter and $98.9 million year-to-date, marking increases of 18.0% and 11.5%, respectively, compared to the same periods in 2024. Basic earnings per share for the third quarter were $2.41, up from $2.02, while year-to-date earnings per share rose to $6.76 from $5.96. The company's net interest income also saw a significant increase, totaling $61.1 million for the third quarter and $175.8 million for the nine months, reflecting a rise of 9.9% and 6.6% year-over-year, respectively.
The company's total assets increased to $6.67 billion as of September 30, 2025, up from $6.46 billion at the end of 2024. This growth was driven by a 3.2% increase in gross loans, which reached $4.41 billion, and a 6.2% rise in total investment securities, now at $1.54 billion. Notably, residential real estate loans increased by 4.7%, while commercial real estate loans rose by 1.9%. Total deposits also grew by 2.2% to $5.26 billion, with increases in time deposits, non-interest-bearing demand deposits, and savings deposits contributing to this growth.
In terms of operational developments, City Holding Company maintained a strong capital position, with a common equity tier 1 (CET1) capital ratio of 17.2%, significantly above the minimum required under Basel III regulations. The company’s allowance for credit losses decreased to $19.7 million from $21.9 million at the end of 2024, reflecting a recovery of credit losses of $0.5 million in the third quarter, compared to a provision for credit losses of $1.2 million in the same quarter of the previous year. The company’s management continues to monitor the loan portfolio closely, assessing risks based on historical trends and current economic conditions.
Looking ahead, City Holding Company expressed optimism about its financial outlook, supported by a strong liquidity position and a diversified loan portfolio. The company anticipates continued growth in net interest income driven by rising loan balances and a favorable interest rate environment. Management remains committed to maintaining a conservative approach to capital management and risk assessment, ensuring that the company is well-positioned to navigate potential market fluctuations. The company’s strategic focus on community banking and its established presence in West Virginia and surrounding states are expected to further bolster its growth trajectory in the coming quarters.
About CITY HOLDING CO
City Holding Company is a financial holding company operating through its subsidiary, City National Bank, which provides community banking services across West Virginia, Kentucky, Virginia, and southeastern Ohio. Its offerings include commercial and consumer banking, mortgage lending, and wealth management. Serving diverse individual and business customers, the company emphasizes risk diversification, regulatory compliance, and local market expertise through a network of branches and digital channels.
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