City Holding’s FY 2025 net income available to common shareholders rose to USD 130.5 million, with diluted EPS of USD 8.93 and cash dividends declared of USD 3.32 per share. Return on average assets (ROA) was 1.97% and return on average equity $(ROE)$ was 16.9%. Net interest income (GAAP) increased to USD 236.4 million in FY 2025, while fully taxable equivalent net interest income rose 7.3% to USD 237.2 million; reported net interest margin improved to 3.94%. Non-interest income was USD 77.8 million, while non-interest expense increased to USD 154.1 million. Income tax expense was USD 31.0 million and the effective tax rate was 19.2%. On the balance sheet, gross loans increased 5.4% to USD 4.51 billion at December 31, 2025, and total deposits increased 3.0% to USD 5.30 billion. Investment securities rose 5.6% to USD 1.53 billion, while cash and cash equivalents were USD 191.9 million. The allowance for credit losses declined to USD 19.9 million and the company recorded a recovery of credit losses of USD 1.4 million in FY 2025; non-performing assets were 0.32% of total loans and OREO. City Holding said City National could pay up to USD 43.7 million in dividends to the parent without prior regulatory permission, and it repurchased about 397,000 shares in 2025 at a weighted average price of USD 115.24 under its existing authorization.

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