City Holding Company reported a net income of $130.5 million for the fiscal year ending December 31, 2025, reflecting an increase of 11.5% from $117.1 million in 2024. This growth translated to earnings per share of $8.94, up from $7.91 in the previous year. The company's total revenue for 2025 was approximately $321.2 million, a rise from $306.4 million in 2024, driven primarily by an increase in net interest income, which rose to $236.4 million from $220.2 million. The net interest margin improved to 3.94%, compared to 3.86% in 2024, indicating effective management of interest-earning assets and liabilities.
In terms of operational metrics, City Holding's total loans increased by 5.4% to $4.51 billion, with notable growth in commercial real estate loans, which rose by $98.6 million, and residential real estate loans, which increased by $86.5 million. Total deposits also saw a 3% increase, reaching $5.3 billion, supported by a rise in noninterest-bearing demand deposits and time deposits. The company maintained a strong capital position, with a Common Equity Tier 1 (CET1) capital ratio of 16.9%, significantly above the regulatory minimum of 7.0%.
Strategically, City Holding completed the acquisition of Citizens Commerce Bancshares, Inc. in March 2023, which contributed to its growth in market presence, particularly in the Lexington, Kentucky area. The acquisition was structured as a stock transaction valued at approximately $61.6 million. The company also continued to focus on enhancing its product offerings and customer service through its network of 96 branches across West Virginia, Kentucky, Virginia, and southeastern Ohio.
Looking ahead, City Holding anticipates continued growth in 2026, projecting annual dividends of approximately $50 million based on its current cash balance and retained earnings. The company plans to maintain its focus on expanding its loan portfolio while managing credit risk effectively, particularly in light of potential economic fluctuations. Management remains optimistic about the company's ability to navigate market challenges and capitalize on growth opportunities in the community banking sector.
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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