CITY HOLDING CO

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 4, 2026

CHCO$142.59-0.3%Stored close · as of Nov 10, 2026

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Consolidated Statements of Income

Consolidated Statements of Income (Unaudited)

(in thousands, except earnings per share data)

Interest Income · Three months ended September 30, · Nine months ended September 30,
2026 · 2025 · 2026 · 2025
Interest and fees on loans	$66,155	$64,606	$194,410	$188,111
Interest and dividends on investment securities:
Taxable	13,516	15,947	39,565	45,239
Tax-exempt	1,005	708	3,063	2,144
Interest on deposits in depository institutions	1,241	829	3,859	4,275
Total Interest Income	81,917	82,090	240,897	239,769
Interest Expense
Interest on deposits	14,993	16,201	44,673	49,545
Interest on customer repurchase agreements	2,734	3,196	8,537	9,672
Interest on FHLB advances	1,585	1,586	4,706	4,706
Total Interest Expense	19,312	20,983	57,916	63,923
Net Interest Income	62,605	61,107	182,981	175,846
(Recovery of) Provision for credit losses	(108)	(528)	941	(2,315)
Net Interest Income After (Recovery of) Provision for Credit Losses	62,713	61,635	182,040	178,161
Non-Interest Income
Gains on sale of investment securities, net	—	37	—	187
Unrealized gains (losses) recognized on equity securities still held, net	78	96	143	(172)
Service charges	8,715	8,221	24,423	23,284
Bankcard revenue	7,425	7,324	21,862	21,364
Wealth and investment management fee income	3,398	3,075	10,166	8,993
Bank owned life insurance	969	919	2,834	3,014
Other income	846	851	2,767	2,474
Total Non-Interest Income	21,431	20,523	62,195	59,144
Non-Interest Expense
Salaries and employee benefits	20,920	19,779	61,558	58,968
Occupancy related expense	2,530	2,340	7,590	7,238
Equipment and software related expense	3,620	3,618	11,031	10,642
Bankcard expenses	2,380	2,191	6,645	6,609
Other tax-related matters	2,313	2,104	7,432	6,693
Advertising	1,070	668	2,970	2,505
FDIC insurance expense	777	761	2,354	2,293
Legal and professional fees	538	549	1,703	1,782
Other expenses	6,769	6,302	19,143	18,651
Total Non-Interest Expense	40,917	38,312	120,426	115,381
Income Before Income Taxes	43,227	43,846	123,809	121,924
Income tax expense	8,618	8,658	24,167	23,007
Net Income Available to Common Shareholders	$34,609	$35,188	$99,642	$98,917
Basic earnings per common share	$2.44	$2.41	$6.99	$6.76
Diluted earnings per common share	$2.43	$2.41	$6.98	$6.75

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