City Holding Company reported fourth‐quarter earnings of $2.18 per share, falling short of the consensus estimate of $2.29. Quarterly revenue totaled approximately $80.2 million, compared with Wall Street’s anticipated $81.4 million. While earnings per share improved from $1.94 in the year‐ago quarter, the shortfall versus estimates reflects pressure on net interest income, which declined 0.9% sequentially to $60.6 million. The quarter’s net interest margin narrowed to 3.94% from 4.04% in Q3 as loan yields eased by 11 basis points and investment yields fell by 22 basis points. A provision for credit losses of $1.1 million was recorded, compared with a $0.3 million provision in the year‐ago period, reflecting continued strength in asset quality despite modestly higher funding costs.

For the full year ended December 31, 2025, City Holding Company delivered record net income of $130.5 million and diluted earnings of $8.93 per share, up from $7.42 in 2024. Return on assets reached 1.97% and return on tangible equity rose to 21.2%. Net interest income climbed 7.3% year‐over‐year to $237.2 million on higher average loan balances (+$220.9 million) and a 12 basis‐point reduction in funding costs. Loans grew 5.4% to $4.51 billion, led by commercial real estate (+5.6%) and home equity (+12.8%), while deposit balances increased 3.0% to support a gross loan‐to‐deposit ratio of 85.0%. Non‐interest income expanded 6.2% to $77.8 million, driven by wealth management fees and service charges, and the efficiency ratio remained near industry best at approximately 53%. Asset quality remains solid, with nonperforming assets falling to 0.32% of total loans and other real estate owned.