Short answer
CITY HOLDING CO (CHCO) filed its fiscal 2025 10-K annual report with the SEC on Feb 25, 2026. It reported revenue of $74M (+3.2% year over year) and net income of $130M.
- Top risk flagged: Operational risk from dependency on Information Security Officer for cybersecurity program management and incident response leadership
FY2025 key financial metrics · XBRL
- Revenue
- $74M
- +3.2% YoY
- Net income
- $130M
- +11.4% YoY
- EPS (diluted)
- $8.93
- +13.2% YoY
- ROE
- 16.1%
- +0.1 pp YoY
- Operating cash flow
- $131M
- −0.4% YoY
Source: XBRL data from the CITY HOLDING CO (CHCO) FY2025 10-K on SEC EDGAR. USD.
CITY HOLDING CO FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: Community banking via City National Bank with services in commercial, consumer, mortgage, wealth/investment management
- New emphasis: 35% of commercial loans ($807M) originated outside branch geographic footprint, up from 19% ($420M) in prior year due to Columbus branch closure
- Strategic shift: Geographic loan portfolio diversification increasing, reducing reliance on physical branches
- Quantitative highlight: Employee count steady at 950 (934 FTEs) with under 6% quarterly turnover in 2025
- Market share: 13% deposits in WV counties, 24% in eastern KY, 5% along VA I-81 corridor, 19% in Lawrence County, Ohio
Management Discussion & Analysis
- Revenue: Net interest income $236.4M in 2025, up 7.3% from $220.2M in 2024
- Profitability: Net interest margin 3.94% in 2025 vs 3.86% in 2024; ROA 1.97% vs 1.85%; ROE 16.9% vs 16.4%
- Segment: Single reportable segment – community banking; loan portfolio growth 5.4% to $4.5B driven by commercial (+8.1%) and residential real estate (+4.7%)
- Cash flow & capital: Dividends $3.32/share ($~$48.5M est.), up from $3.01/share; shares repurchased (amount not specified); cash $191.9M down 14.9% mainly due to loan growth and buybacks
- Outlook & risks: 2026 dividends guided at $3.48/share (~$50M); liquidity adequate per management; allowance for credit losses sensitive to economic variables but no major revisions expected
Risk Factors
- Operational risk from dependency on Information Security Officer for cybersecurity program management and incident response leadership
- Governance risk with Chief Legal Counsel responsible for regulatory compliance communication on cybersecurity to board
- Cybersecurity risk monitored by Incident Response Team including CEO, key for timely threat assessments and control coordination
Generated from the filing text; verify against the original. How to read a 10-K
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