Form 8-K

8-K — CITY HOLDING CO

Accession: 0000726854-26-000190

Filed: 2026-10-26

Period: 2026-10-26

CIK: 0000726854

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — chco-20261026.htm (Primary)

EX-99.1 (chco09-30x2026exhibit991.htm)

GRAPHIC (chco-20261026_g1.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: chco-20261026.htm · Sequence: 1

chco-20261026

0000726854false00007268542026-10-262026-10-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C., 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): October 26, 2026

CITY HOLDING COMPANY

(Exact Name of Registrant as Specified in its Charter)

Commission File Number: 0-11733

West Virginia 55-0619957

(State or Other Jurisdiction of (I.R.S. Employer

Incorporation or Organization) Identification No.)

25 Gatewater Road, Cross Lanes, West Virginia 25313

(Address of Principal Executive Offices, Including Zip Code)

304-769-1100

(Registrant’s Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

symbol(s) Name of each exchange on which registered

Common Stock $2.50 Par Value CHCO NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

-1-

Section 2 - Financial Information

Item 2.02 Results of Operations and Financial Condition.

On October 26, 2026, City Holding Company ("the Company") issued a news release, attached as Exhibit 99.1, announcing the Company's earnings results for the third quarter ended September 30, 2026. Furnished as Exhibit 99.1 and incorporated herein by reference is the news release issued by the Company.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

99.1

News Release issued October 26, 2026

Signatures

Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto duly authorized.

Dated: October 26, 2026

City Holding Company

By: /s/ David L. Bumgarner

David L. Bumgarner

Senior Executive Vice President & Chief Financial Officer

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EX-99.1

Filename: chco09-30x2026exhibit991.htm · Sequence: 2

Document

NEWS RELEASE

For Immediate Release

October 26, 2026

For Further Information Contact:

David L. Bumgarner, Senior Executive Vice President and Chief Financial Officer

(304) 769-1169

City Holding Company Announces Record Quarterly Results

Charleston, West Virginia – City Holding Company (“Company” or “City”) (NASDAQ:CHCO), a $6.8 billion bank holding company headquartered in Charleston, West Virginia, today announced net income of $34.6 million and record quarterly diluted earnings of $2.43 per share for the quarter ended September 30, 2026. For the quarter ended September 30, 2026, the Company achieved a return on assets of 2.03% and a return on tangible equity of 20.9%.

Net Interest Income

The Company’s net interest income increased approximately $1.8 million, or 3.0%, from $60.8 million during the second quarter of 2026 to $62.6 million during the third quarter of 2026. The Company’s tax equivalent net interest income increased approximately $1.9 million, or 3.0%, from $61.0 million for the second quarter of 2026 to $62.9 million for the third quarter of 2026. This increase was primarily due to an increase in the yield on loans (3 basis points) and an increase in the average balances of loans ($36.1 million) which increased net interest income by $1.1 million and $0.5 million, respectively. In addition, an increase in the yield on investments (5 basis points) and an increase in average investment balances ($20.7 million) increased net interest income by $0.4 million and $0.2 million, respectively. These increases were partially offset by a decrease in the average balances of deposits in depository institutions ($49.0 million) which decreased net interest income by $0.5 million. The Company’s reported net interest margin increased from 3.97% for the second quarter of 2026 to 4.04% for the third quarter of 2026.

Credit Quality

The Company’s ratio of nonperforming assets to total loans and other real estate owned remained stable at 0.24%, or $10.6 million, at June 30, 2026 compared to 0.24%, or $10.9 million, at September 30, 2026. Total past due loans decreased modestly from $8.6 million, or 0.19% of total loans outstanding, at June 30, 2026, to $8.3 million, or 0.18% of total loans outstanding, at September 30, 2026.

As a result of the Company’s quarterly analysis of the adequacy of the allowance for credit losses, the Company recorded a recovery of credit losses of $0.1 million in the third quarter of 2026, compared to a recovery of credit losses of $0.5 million for the comparable period in 2025, and a provision for credit losses of $0.4 million for the second quarter of 2026. The recovery of credit losses in the third quarter of 2026 was primarily related to the upgrade of a commercial real estate loan and a marginal decrease in the historical loss rates for commercial and residential real estate loans during the quarter ended September 30, 2026. These decreases were partially offset by revisions to qualitative adjustment factors and the downgrade of a commercial loan ($0.25 million) during the quarter ended September 30, 2026.

Non-interest Income

Non-interest income increased $0.9 million from $20.5 million in the third quarter of 2025 to $21.4 million in the third quarter of 2026. This increase was due to an increase of $0.5 million, or 6.0%, in service charges and an increase of $0.3 million, or 10.5%, in wealth and investment management fee income.

Non-interest Expenses

Non-interest expenses increased $2.6 million from $38.3 million in the third quarter of 2025 to $40.9 million in the third quarter of 2026. The increase during the quarter ended September 30, 2026 was largely due to an increase in salaries and employee benefit expenses of $1.1 million due to salary adjustments, increased incentive compensation, and increased health insurance costs. In addition, other expenses increased $0.5 million and advertising expenses increased $0.4 million. For the nine months ended September 30, 2026 non-interest expenses have increased $5.0 million, or 4.4%, to $120.4 million as compared to $115.4 million for the nine months ended September 30, 2025.

Balance Sheet Trends

Loans increased $48.4 million (1.1%) from June 30, 2026 to $4.55 billion at September 30, 2026. Commercial and industrial loans increased $20.1 million (4.4%), commercial real estate loans increased $12.9 million (0.7%), residential real estate loans increased $8.8 million (0.5%), and home equity loans increased $8.2 million (3.6%) during the quarter ended September 30, 2026.

Period-end deposit balances increased $18.0 million from June 30, 2026, to September 30, 2026. Total average depository balances increased $26.5 million (0.5%) from the quarter ended June 30, 2026 to the quarter ended September 30, 2026 to $5.35 billion. Average noninterest-bearing demand balances increased $28.0 million and average savings deposits balances increased $11.0 million. These increases were partially offset by a decrease in average time deposits of $9.5 million.

Income Tax Expense

The Company’s effective income tax rate for the third quarter of 2026 was 19.9%, compared to 19.2% for the year ended December 31, 2025, and 19.7% for the quarter ended September 30, 2025.

Capitalization and Liquidity

The Company’s loan to deposit ratio was 84.9% and the loan to asset ratio was 67.0% at September 30, 2026. The Company maintained investment securities totaling 21.9% of assets as of the same date. The Company’s deposit mix is weighted heavily toward checking and savings accounts, which fund 60.0% of assets at September 30, 2026. Time deposits funded 19.0% of assets at September 30, 2026, with only 14.6% of time deposits having balances of more than $250,000, reflecting the core retail orientation of the Company.

City Holding Company is the parent company of City National Bank of West Virginia (“City National”). City National has borrowing facilities with the Federal Reserve Bank and the Federal Home Loan Bank that can be accessed as necessary to fund operations and to provide contingency funding. These borrowing facilities are collateralized by various loans held on City National’s balance sheet. As of September 30, 2026, City National had the capacity to borrow an additional $1.8 billion from these existing borrowing facilities. In addition, approximately $688 million of City National’s investment securities were pledged to collateralize customer repurchase agreements and various deposit accounts,

leaving approximately $801 million of City National’s investment securities unpledged at September 30, 2026.

The Company continues to be strongly capitalized with tangible equity of $625 million at September 30, 2026. Due primarily to unrealized security losses during the nine months ended September 30, 2026, the Company’s tangible equity ratio declined from 9.9% at December 31, 2025 to 9.4% at September 30, 2026. However, unrealized security losses are not incorporated into measures of regulatory capital. At September 30, 2026, City National’s Leverage Ratio was 10.2%, its Common Equity Tier I ratio was 15.5%, its Tier I Capital ratio was 15.5%, and its Total Risk-Based Capital ratio was 15.9%. These regulatory capital ratios are significantly above levels required to be considered “well capitalized,” which is the highest possible regulatory designation.

On September 30, 2026, the Board of Directors of the Company approved a quarterly cash dividend of $1.00 per share, payable October 30, 2026 to shareholders of record as of October 15, 2026. This represents a 15% increase from the $0.87 per share dividend paid on July 31, 2026. At September 30, 2026, City Holding Company had significant resources available to repurchase shares with a cash balance of $74 million and dividends available from City National of approximately $120 million at September 30, 2026.

City National operates 95 branches across West Virginia, Kentucky, Virginia, and Ohio.

Forward-Looking Information

This news release contains certain forward-looking statements that are included pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements express only management’s beliefs regarding future results or events and are subject to inherent uncertainty, risks, and changes in circumstances, many of which are outside of management’s control. Uncertainty, risks, changes in circumstances and other factors could cause the Company’s actual results to differ materially from those projected in the forward-looking statements. Factors that could cause actual results to differ from those discussed in such forward-looking statements include, but are not limited to those set forth in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025 under “ITEM 1A Risk Factors” and the following: (1) general economic conditions, especially in the communities and markets in which we conduct our business; (2) credit risk, including risk that negative credit quality trends may lead to a deterioration of asset quality, risk that our allowance for credit losses may not be sufficient to absorb actual losses in our loan portfolio, and risk from concentrations in our loan portfolio; (3) changes in the real estate market, including the value of collateral securing portions of our loan portfolio; (4) changes in the interest rate environment; (5) operational risk, including cybersecurity risk and risk of fraud, data processing system failures, and network breaches; (6) changes in technology and increased competition, including competition from non-bank financial institutions or financial technology companies; (7) changes in consumer preferences, spending and borrowing habits, demand for our products and services, and customers’ performance and creditworthiness; (8) difficulty growing loan and deposit balances; (9) our ability to effectively execute our business plan, including with respect to future acquisitions; (10) changes in regulations, laws, taxes, government policies, monetary policies and accounting policies affecting bank holding companies and their subsidiaries; (11) deterioration in the financial condition of the U.S. banking system may impact the valuations of investments the Company has made in the securities of other financial institutions; (12) regulatory enforcement actions and adverse legal actions; (13) difficulty attracting and retaining key employees; and (14) other economic, competitive, technological, operational, governmental, regulatory, and market factors affecting our operations. Forward-looking statements made herein reflect management's expectations as of the date such statements are made. Such information is provided to assist stockholders and potential investors in understanding current and anticipated financial operations of the Company and is included pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances that arise after the date such statements are made. Further, the Company is required to evaluate subsequent events through the filing

of its September 30, 2026 Form 10-Q. The Company will continue to evaluate the impact of any subsequent events on the preliminary September 30, 2026 results and will adjust the amounts if necessary.

CITY HOLDING COMPANY AND SUBSIDIARIES

Financial Highlights

(Unaudited)

Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Earnings

Net Interest Income (fully taxable equivalent) $ 62,870 $ 61,034 $ 59,890 $ 60,825 $ 61,294 $ 183,794 $ 176,416

Net Income available to common shareholders 34,609 33,298 31,735 31,568 35,188 99,642 98,917

Per Share Data

Earnings per share available to common shareholders:

Basic $ 2.44 $ 2.35 $ 2.20 $ 2.18 $ 2.41 $ 6.99 $ 6.76

Diluted 2.43 2.35 2.20 2.18 2.41 6.98 6.75

Weighted average number of shares (in thousands):

Basic 14,027 14,046 14,270 14,359 14,457 14,109 14,512

Diluted 14,049 14,062 14,274 14,366 14,463 14,128 14,521

Period-end number of shares (in thousands) 14,076 14,052 14,111 14,354 14,495 14,076 14,495

Cash dividends declared $ 1.00 $ 0.87 $ 0.87 $ 0.87 $ 0.87 $ 2.74 $ 2.45

Book value per share (period-end) 55.53 57.57 56.29 56.41 55.12 55.53 55.12

Tangible book value per share (period-end) 44.42 46.40 45.14 45.41 44.19 44.42 44.19

Market data:

High closing price $ 147.98 $ 134.02 $ 127.84 $ 126.71 $ 133.58 $ 147.98 $ 133.58

Low closing price 130.95 120.48 116.62 117.04 118.89 116.62 108.93

Period-end closing price 139.12 132.64 119.52 119.20 123.87 139.12 123.87

Average daily volume (in thousands) 124 116 111 90 112 117 84

Treasury share activity:

Treasury shares repurchased (in thousands) — 59 262 141 — 321 255

Average treasury share repurchase price $ — $ 122.46 $ 117.79 $ 119.12 $ — $ 118.65 $ 113.09

Key Ratios (percent)

Return on average assets 2.03 % 1.98 % 1.92 % 1.86 % 2.11 % 1.98 % 2.01 %

Return on average tangible equity 20.9 % 20.7 % 19.3 % 19.2 % 22.5 % 20.3 % 22.0 %

Yield on interest earning assets 5.29 % 5.24 % 5.24 % 5.29 % 5.43 % 5.26 % 5.38 %

Cost of interest bearing liabilities 1.73 % 1.75 % 1.76 % 1.87 % 1.91 % 1.75 % 1.96 %

Net Interest Margin 4.04 % 3.97 % 3.97 % 3.94 % 4.04 % 4.00 % 3.95 %

Non-interest income as a percent of total revenue 25.4 % 25.4 % 24.8 % 24.9 % 24.7 % 25.4 % 25.1 %

Efficiency Ratio 48.0 % 48.1 % 48.9 % 48.2 % 46.0 % 48.4 % 48.3 %

Price/Earnings Ratio (a) 14.28 14.09 13.56 13.68 12.84 14.92 13.75

Capital (period-end)

Average Shareholders' Equity to Average Assets 12.03 % 11.87 % 12.32 % 12.04 % 11.81 %

Tangible equity to tangible assets 9.43 % 9.85 % 9.65 % 9.93 % 9.84 %

Consolidated City Holding Company risk based capital ratios (b):

CET I 17.14 % 17.06 % 16.87 % 16.94 % 17.19 %

Tier I 17.14 % 17.06 % 16.87 % 16.94 % 17.19 %

Total 17.60 % 17.53 % 17.33 % 17.40 % 17.66 %

Leverage 11.26 % 10.97 % 10.86 % 10.96 % 11.06 %

City National Bank risk based capital ratios (b):

CET I 15.47 % 15.01 % 14.35 % 13.42 % 15.83 %

Tier I 15.47 % 15.01 % 14.35 % 13.42 % 15.83 %

Total 15.93 % 15.48 % 14.81 % 13.88 % 16.30 %

Leverage 10.16 % 9.65 % 9.23 % 8.68 % 10.18 %

Other (period-end)

Branches 95 95 96 96 96

FTE 926 924 928 934 934

Assets per FTE (in thousands) $ 7,332 $ 7,333 $ 7,284 $ 7,201 $ 7,138

Deposits per FTE (in thousands) 5,789 5,781 5,757 5,679 5,629

(a) The price/earnings ratio is computed based on annualized quarterly earnings.

(b) September 30, 2026 risk-based capital ratios are estimated.

CITY HOLDING COMPANY AND SUBSIDIARIES

Consolidated Statements of Income

(Unaudited) ($ in 000s, except per share data)

Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Interest Income

Interest and fees on loans $ 66,155 $ 64,584 $ 63,671 $ 64,376 $ 64,606 $ 194,410 $ 188,111

Interest on investment securities:

Taxable 13,516 12,920 13,129 14,657 15,947 39,565 45,239

Tax-exempt 1,005 1,031 1,027 1,014 708 3,063 2,144

Interest on deposits in depository institutions 1,241 1,676 942 1,400 829 3,859 4,275

Total Interest Income 81,917 80,211 78,769 81,447 82,090 240,897 239,769

Interest Expense

Interest on deposits 14,993 14,924 14,756 15,811 16,201 44,673 49,545

Interest on customer repurchase agreements 2,734 2,959 2,844 3,493 3,196 8,537 9,672

Interest on FHLB advances 1,585 1,569 1,552 1,586 1,586 4,706 4,706

Total Interest Expense 19,312 19,452 19,152 20,890 20,983 57,916 63,923

Net Interest Income 62,605 60,759 59,617 60,557 61,107 182,981 175,846

(Recovery of) provision for credit losses (108) 436 613 1,117 (528) 941 (2,315)

Net Interest Income After (Recovery of) Provision for Credit Losses 62,713 60,323 59,004 59,440 61,635 182,040 178,161

Non-Interest Income

Net gains on sale of investment securities — — — — 37 — 187

Unrealized gains (losses) recognized on securities still held 78 58 7 (416) 96 143 (172)

Service charges 8,715 7,947 7,761 8,057 8,221 24,423 23,284

Bankcard revenue 7,425 7,548 6,889 7,291 7,324 21,862 21,364

Wealth and investment management fee income 3,398 3,451 3,317 3,352 3,075 10,166 8,993

Bank owned life insurance 969 886 979 864 919 2,834 3,014

Other income 846 874 1,047 834 851 2,767 2,474

Total Non-Interest Income 21,431 20,764 20,000 19,982 20,523 62,195 59,144

Non-Interest Expense

Salaries and employee benefits 20,920 20,455 20,183 20,198 19,779 61,558 58,968

Occupancy related expense 2,530 2,428 2,632 2,316 2,340 7,590 7,238

Equipment and software related expense 3,620 3,746 3,665 3,812 3,618 11,031 10,642

Bankcard expenses 2,380 2,147 2,118 2,376 2,191 6,645 6,609

Other tax-related matters 2,313 2,438 2,681 2,312 2,104 7,432 6,693

Advertising 1,070 1,016 884 577 668 2,970 2,505

FDIC insurance expense 777 772 805 756 761 2,354 2,293

Legal and professional fees 538 612 553 552 549 1,703 1,782

Other expenses 6,769 6,153 6,221 6,982 6,302 19,143 18,651

Total Non-Interest Expense 40,917 39,767 39,742 39,881 38,312 120,426 115,381

Income Before Income Taxes 43,227 41,320 39,262 39,541 43,846 123,809 121,924

Income tax expense 8,618 8,022 7,527 7,973 8,658 24,167 23,007

Net Income Available to Common Shareholders $ 34,609 $ 33,298 $ 31,735 $ 31,568 $ 35,188 $ 99,642 $ 98,917

Distributed earnings allocated to common shareholders $ 13,938 $ 12,125 $ 12,166 $ 12,372 $ 12,495 $ 38,188 $ 35,186

Undistributed earnings allocated to common shareholders 20,224 20,931 19,284 18,903 22,370 60,480 62,867

Net earnings allocated to common shareholders $ 34,162 $ 33,056 $ 31,450 $ 31,275 $ 34,865 $ 98,668 $ 98,053

Average common shares outstanding 14,027 14,046 14,270 14,359 14,457 14,109 14,512

Shares for diluted earnings per share 14,049 14,062 14,274 14,366 14,463 14,128 14,521

Basic earnings per common share $ 2.44 $ 2.35 $ 2.20 $ 2.18 $ 2.41 $ 6.99 $ 6.76

Diluted earnings per common share $ 2.43 $ 2.35 $ 2.20 $ 2.18 $ 2.41 $ 6.98 $ 6.75

CITY HOLDING COMPANY AND SUBSIDIARIES

Consolidated Balance Sheets

($ in 000s)

(Unaudited) (Unaudited) (Unaudited) (Unaudited)

September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Assets

Cash and due from banks $ 128,273 $ 141,519 $ 135,816 $ 152,111 $ 129,665

Interest-bearing deposits in depository institutions 73,106 125,683 163,201 39,808 95,929

Cash and cash equivalents 201,379 267,202 299,017 191,919 225,594

Investment securities available-for-sale, at fair value 1,459,623 1,476,725 1,441,098 1,503,358 1,510,772

Other securities 29,845 29,755 29,462 29,474 29,878

Total investment securities 1,489,468 1,506,480 1,470,560 1,532,832 1,540,650

Gross loans 4,550,140 4,501,774 4,491,592 4,503,331 4,408,230

Allowance for credit losses (19,624) (19,839) (19,195) (19,329) (19,057)

Net loans 4,530,516 4,481,935 4,472,397 4,484,002 4,389,173

Bank owned life insurance 126,829 125,860 124,976 124,370 123,506

Premises and equipment, net 67,046 67,190 68,740 69,133 69,539

Accrued interest receivable 22,955 21,300 21,645 20,718 21,890

Deferred tax assets, net 46,891 31,603 31,652 30,005 32,159

Goodwill and other intangible assets, net 156,407 156,895 157,383 157,871 158,414

Other assets 144,760 115,530 113,899 111,168 106,707

Total Assets $ 6,786,251 $ 6,773,995 $ 6,760,269 $ 6,722,018 $ 6,667,632

Deposits:

Noninterest-bearing $ 1,455,426 $ 1,421,693 $ 1,410,861 $ 1,413,621 $ 1,377,313

Interest-bearing:

Demand deposits 1,322,389 1,321,556 1,345,723 1,339,435 1,338,872

Savings deposits 1,294,202 1,288,260 1,276,884 1,244,571 1,238,832

Time deposits 1,286,123 1,308,641 1,310,136 1,303,361 1,302,575

Total deposits 5,358,140 5,340,150 5,343,604 5,300,988 5,257,592

Customer repurchase agreements 367,385 377,551 374,825 367,674 369,012

FHLB advances 150,000 150,000 150,000 150,000 150,000

Other liabilities 129,112 97,345 97,450 93,676 92,085

Total Liabilities $ 6,004,637 $ 5,965,046 $ 5,965,879 $ 5,912,338 $ 5,868,689

Stockholders' Equity

Preferred stock — — — — —

Common stock 47,619 47,619 47,619 47,619 47,619

Capital surplus 172,904 174,805 173,130 174,598 173,733

Retained earnings 995,956 975,454 954,407 935,046 915,971

Treasury stock (303,830) (306,813) (299,503) (270,967) (254,153)

Accumulated other comprehensive loss:

Unrealized loss on securities available-for-sale (130,649) (81,241) (80,388) (75,741) (82,785)

Underfunded pension liability (386) (875) (875) (875) (1,442)

Total Accumulated Other Comprehensive Loss (131,035) (82,116) (81,263) (76,616) (84,227)

Total Stockholders' Equity 781,614 808,949 794,390 809,680 798,943

Total Liabilities and Stockholders' Equity $ 6,786,251 $ 6,773,995 $ 6,760,269 $ 6,722,018 $ 6,667,632

Regulatory Capital

Total CET 1 capital $ 758,756 $ 736,703 $ 720,535 $ 730,453 $ 726,739

Total tier 1 capital 758,756 736,703 720,535 730,453 726,739

Total risk-based capital 779,017 757,074 740,252 750,319 746,422

Total risk-weighted assets 4,426,072 4,318,183 4,270,400 4,312,112 4,226,712

CITY HOLDING COMPANY AND SUBSIDIARIES

Loan Portfolio

(Unaudited) ($ in 000s)

September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Commercial and industrial $ 474,251 $ 454,122 $ 441,617 $ 453,975 $ 426,654

1-4 Family 226,367 223,301 221,165 210,232 204,280

Hotels 403,794 396,079 395,857 398,608 397,338

Multi-family 230,172 231,946 227,687 237,424 233,678

Non Residential Non-Owner Occupied 772,072 765,358 772,778 767,580 728,625

Non Residential Owner Occupied 250,683 253,471 251,382 253,398 239,058

Commercial real estate (1)

1,883,088 1,870,155 1,868,869 1,867,242 1,802,979

Residential real estate (2)

1,915,322 1,906,534 1,913,389 1,910,060 1,909,791

Home equity 239,264 231,057 224,723 224,701 218,750

Consumer 38,215 39,906 42,994 47,353 50,056

Gross Loans $ 4,550,140 $ 4,501,774 $ 4,491,592 $ 4,503,331 $ 4,408,230

Construction loans included in:

(1) - Commercial real estate loans $ 46,948 $ 43,363 $ 39,519 $ 35,781 $ 31,892

(2) - Residential real estate loans 12,753 11,144 9,612 9,907 6,785

CITY HOLDING COMPANY AND SUBSIDIARIES

Asset Quality Information

(Unaudited) ($ in 000s)

Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Allowance for Loan Losses

Balance at beginning of period $ 19,839 $ 19,195 $ 19,329 $ 19,057 $ 19,101 $ 19,329 $ 21,133

Charge-offs:

Commercial and industrial (2) (115) (4) — (7) (121) (37)

Commercial real estate — (1) (856) (27) (2) (857) (222)

Residential real estate (186) (147) (134) (181) (160) (467) (209)

Home equity (74) (46) (62) (102) (55) (182) (153)

Consumer (34) (97) (71) (36) (9) (202) (174)

Total charge-offs (296) (406) (1,127) (346) (233) (1,829) (795)

Recoveries:

Commercial and industrial 5 70 5 (347) 400 80 452

Commercial real estate 6 443 235 (144) 202 684 283

Residential real estate 103 9 30 (29) 35 142 85

Home equity 26 72 90 17 64 188 164

Consumer 49 20 20 4 16 89 50

Total recoveries 189 614 380 (499) 717 1,183 1,034

Net (charge-offs) recoveries (107) 208 (747) (845) 484 (646) 239

(Recovery of) provision for credit losses (108) 436 613 1,117 (528) 941 (2,315)

Balance at end of period $ 19,624 $ 19,839 $ 19,195 $ 19,329 $ 19,057 $ 19,624 $ 19,057

Loans outstanding $ 4,550,140 $ 4,501,774 $ 4,491,592 $ 4,503,331 $ 4,408,230

Allowance as a percent of loans outstanding 0.43 % 0.44 % 0.43 % 0.43 % 0.43 %

Allowance as a percent of non-performing loans 183.2 % 196.4 % 167.1 % 138.9 % 138.2 %

Average loans outstanding $ 4,533,120 $ 4,497,044 $ 4,491,591 $ 4,431,079 $ 4,373,773 $ 4,507,404 $ 4,322,888

Net charge-offs (recoveries) (annualized) as a percent of average loans outstanding 0.01 % (0.02) % 0.07 % 0.08 % (0.04) % 0.02 % (0.01) %

CITY HOLDING COMPANY AND SUBSIDIARIES

Asset Quality Information, Continued

(Unaudited) ($ in 000s)

September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Nonaccrual Loans

Residential real estate $ 2,866 $ 3,186 $ 4,274 $ 4,497 $ 2,624

Home equity 250 132 313 308 498

Commercial and industrial 625 377 431 557 555

Commercial real estate 6,840 6,322 6,403 8,448 9,169

Consumer — — 2 — —

Total nonaccrual loans 10,581 10,017 11,423 13,810 12,846

Accruing loans past due 90 days or more 132 82 64 109 946

Total non-performing loans 10,713 10,099 11,487 13,919 13,792

Other real estate owned 180 495 693 482 485

Total Non-Performing Assets $ 10,893 $ 10,594 $ 12,180 $ 14,401 $ 14,277

Non-performing assets as a percent of loans and other real estate owned 0.24 % 0.24 % 0.27 % 0.32 % 0.32 %

Past Due Loans

Residential real estate $ 6,807 $ 7,282 $ 6,440 $ 6,461 $ 5,635

Home equity 643 711 840 772 651

Commercial and industrial 104 — 273 279 140

Commercial real estate 557 532 670 291 1,314

Consumer 181 119 267 308 221

Total Past Due Loans $ 8,292 $ 8,644 $ 8,490 $ 8,111 $ 7,961

Total past due loans as a percent of loans outstanding 0.18 % 0.19 % 0.19 % 0.18 % 0.18 %

CITY HOLDING COMPANY AND SUBSIDIARIES

Consolidated Average Balance Sheets, Yields, and Rates

(Unaudited) ($ in 000s)

Three Months Ended

September 30, 2026 June 30, 2026 September 30, 2025

Average Yield/ Average Yield/ Average Yield/

Balance Interest Rate Balance Interest Rate Balance Interest Rate

Assets:

Loan portfolio (1):

Residential real estate (2)

$ 2,152,553 $ 29,290 5.40 % $ 2,138,621 $ 28,665 5.38 % $ 2,106,823 $ 28,235 5.32 %

Commercial, financial, and agriculture (2)

2,341,437 36,047 6.11 % 2,316,904 35,138 6.08 % 2,215,319 35,443 6.35 %

Installment loans to individuals (2)

39,130 818 8.29 % 41,519 781 7.54 % 51,631 928 7.13 %

Total loans 4,533,120 66,155 5.79 % 4,497,044 64,584 5.76 % 4,373,773 64,606 5.86 %

Securities:

Taxable 1,350,579 13,516 3.97 % 1,325,318 12,920 3.91 % 1,435,540 15,947 4.41 %

Tax-exempt (3)

152,428 1,272 3.31 % 157,007 1,305 3.33 % 127,878 895 2.78 %

Total securities 1,503,007 14,788 3.90 % 1,482,325 14,225 3.85 % 1,563,418 16,842 4.27 %

Deposits in depository institutions 132,416 1,241 3.72 % 181,432 1,676 3.71 % 74,918 829 4.39 %

Total interest-earning assets 6,168,543 82,184 5.29 % 6,160,801 80,485 5.24 % 6,012,109 82,277 5.43 %

Cash and due from banks 103,504 105,656 96,097

Premises and equipment, net 67,280 68,421 69,355

Goodwill and intangible assets, net 156,594 157,083 158,619

Other assets 297,167 289,904 286,950

Less: Allowance for credit losses (20,076) (19,797) (19,497)

Total Assets $ 6,773,012 $ 6,762,068 $ 6,603,633

Liabilities:

Interest-bearing demand deposits $ 1,321,170 $ 2,958 0.89 % $ 1,324,095 $ 2,784 0.84 % $ 1,329,234 $ 3,378 1.01 %

Savings deposits 1,293,386 2,561 0.79 % 1,282,409 2,456 0.77 % 1,241,494 2,348 0.75 %

Time deposits (2)

1,300,452 9,476 2.89 % 1,309,954 9,683 2.96 % 1,295,424 10,475 3.21 %

Customer repurchase agreements 360,377 2,734 3.01 % 392,974 2,959 3.02 % 343,903 3,196 3.69 %

FHLB advances 150,000 1,585 4.19 % 150,000 1,569 4.20 % 150,000 1,586 4.19 %

Total interest-bearing liabilities 4,425,385 19,314 1.73 % 4,459,432 19,451 1.75 % 4,360,055 20,983 1.91 %

Noninterest-bearing demand deposits 1,438,438 1,410,471 1,374,486

Other liabilities 94,127 89,801 89,456

Stockholders' equity 815,062 802,364 779,636

Total Liabilities and Stockholders' Equity $ 6,773,012 $ 6,762,068 $ 6,603,633

Net Interest Income $ 62,870 $ 61,034 $ 61,294

Net Yield on Earning Assets 4.04 % 3.97 % 4.04 %

(1) For purposes of this table, non-accruing loans have been included in average balances and the following amounts (in thousands) of net loan fees have been included in interest income:

Loan fees, net $ (78) $ (106) $ 39

(2) Included in the above table are the following amounts (in thousands) for the accretion of the fair value adjustments related to the Company's acquisitions:

Residential real estate $ 65 $ 46 $ 166

Commercial, financial, and agriculture 435 529 $ 535

Installment loans to individuals 3 1 $ 2

Time deposits 2 2 $ 3

Total $ 505 $ 578 $ 706

(3) Computed on a fully federal tax-equivalent basis assuming a tax rate of approximately 21%.

CITY HOLDING COMPANY AND SUBSIDIARIES

Consolidated Average Balance Sheets, Yields, and Rates

(Unaudited) ($ in 000s)

Nine Months Ended

September 30, 2026 September 30, 2025

Average Yield/ Average Yield/

Balance Interest Rate Balance Interest Rate

Assets:

Loan portfolio (1):

Residential real estate (2)

$ 2,145,391 $ 86,264 5.38 % $ 2,068,502 $ 81,373 5.26 %

Commercial, financial, and agriculture (2)

2,320,141 105,742 6.09 % 2,200,471 103,959 6.32 %

Installment loans to individuals (2)

41,872 2,404 7.68 % 53,915 2,779 6.89 %

Total loans 4,507,404 194,410 5.77 % 4,322,888 188,111 5.82 %

Securities:

Taxable 1,344,555 39,565 3.93 % 1,390,756 45,239 4.35 %

Tax-exempt (3)

156,398 3,877 3.31 % 130,179 2,714 2.79 %

Total securities 1,500,953 43,442 3.87 % 1,520,935 47,953 4.22 %

Deposits in depository institutions 139,173 3,859 3.71 % 128,556 4,275 4.45 %

Total interest-earning assets 6,147,530 241,711 5.26 % 5,972,379 240,339 5.38 %

Cash and due from banks 101,874 96,370

Premises and equipment, net 68,206 69,721

Goodwill and intangible assets, net 157,094 159,162

Other assets 290,526 294,930

Less: Allowance for credit losses (20,232) (20,805)

Total Assets $ 6,744,998 $ 6,571,757

Liabilities:

Interest-bearing demand deposits $ 1,323,899 $ 8,516 0.86 % $ 1,336,129 $ 10,007 1.00 %

Savings deposits 1,276,586 7,359 0.77 % 1,242,141 6,921 0.74 %

Time deposits (2)

1,305,854 28,799 2.95 % 1,281,575 32,616 3.40 %

Customer repurchase agreements 373,915 8,537 3.05 % 345,735 9,672 3.74 %

FHLB advances 150,000 4,706 4.19 % 150,000 4,707 4.20 %

Total interest-bearing liabilities 4,430,254 57,917 1.75 % 4,355,580 63,923 1.96 %

Noninterest-bearing demand deposits 1,409,895 1,358,250

Other liabilities 90,661 97,024

Stockholders' equity 814,188 760,903

Total Liabilities and Stockholders' Equity $ 6,744,998 $ 6,571,757

Net Interest Income $ 183,794 $ 176,416

Net Yield on Earning Assets 4.00 % 3.95 %

(1) For purposes of this table, non-accruing loans have been included in average balances and the following amounts (in thousands) of net loan fees have been included in interest income:

Loan fees, net $ (131) $ 246

(2) Included in the above table are the following amounts (in thousands) for the accretion of the fair value adjustments related to the Company's acquisitions:

Residential real estate $ 176 $ 245

Commercial, financial, and agriculture 1,403 1,741

Installment loans to individuals 7 6

Time deposits 6 13

$ 1,592 $ 2,005

(3) Computed on a fully federal tax-equivalent basis assuming a tax rate of approximately 21%.

CITY HOLDING COMPANY AND SUBSIDIARIES

Non-GAAP Reconciliations

(Unaudited) ($ in 000s, except per share data)

Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Net Interest Income/Margin

Net interest income ("GAAP") $ 62,605 $ 60,759 $ 59,617 $ 60,557 $ 61,107 $ 182,981 $ 175,846

Taxable equivalent adjustment 265 275 273 268 187 813 570

Net interest income, fully taxable equivalent

$ 62,870 $ 61,034 $ 59,890 $ 60,825 $ 61,294 $ 183,794 $ 176,416

Tangible Equity Ratio (period-end)

Equity to assets ("GAAP") 11.52 % 11.94 % 11.75 % 12.04 % 11.98 %

Effect of goodwill and other intangibles, net (2.09) (2.09) (2.10) (2.11) (2.14)

Tangible common equity to tangible assets

9.43 % 9.85 % 9.65 % 9.93 % 9.84 %

Commercial Loan Information (period-end)

Commercial Sector Total % of Total Loans Average DSC Average LTV

Natural Gas Extraction $ 63,211 1.39% 3.60 NA

Natural Gas Distribution 18,130 0.40 3.08 NA

Masonry Contractors 18,460 0.41 1.04 100%

Sheet Metal Work Manufacturing 26,437 0.58 1.40 68%

Beer & Ale Merchant Wholesalers 24,590 0.54 1.59 NA

Gasoline Stations with Convenience Stores 44,987 0.99 2.02 65%

Lessors of Residential Buildings & Dwellings 511,898 11.27 1.56 66%

1-4 Family 193,595 4.26 1.82 63%

Multi-Family 205,768 4.53 1.76 68%

Lessors of Nonresidential Buildings 620,918 13.68 1.33 65%

Office Buildings 158,469 3.49 1.65 62%

Lessors of Mini-Warehouses & Self-Storage Units 54,735 1.21 1.44 64%

Assisted Living Facilities 24,773 0.55 1.58 41%

Hotels & Motels 404,188 8.90 1.75 58%

Average Balance Median Balance

Commercial, Financial, and Agriculture Loans

$ 516 $ 107

Commercial Real Estate Loans 582 137

CITY HOLDING COMPANY AND SUBSIDIARIES

Non-GAAP Reconciliations, continued

(Unaudited) ($ in 000s, except per share data)

Net Growth in DDA Accounts

Year New DDA Accounts Net Number of New Accounts Percentage

2026 24,391 2,995 1.1%

2025 31,427 3,548 1.3%

2024 32,238 4,497 1.8%

2023* 31,745 4,768 1.9%

2022 28,442 4,544 1.9%

2021 32,800 8,860 3.8%

2020 30,360 6,740 3.0%

2019 32,040 3,717 1.7%

* - amounts exclude accounts added in connection with the acquisition of Citizens Commerce Bancshares, Inc. (2023).

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