CITY HOLDING CO (CHCO) FY2025 10-K Annual Report
CITY HOLDING CO (CHCO) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
CITY HOLDING CO FY2025 10-K Analysis
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
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%
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
CITY HOLDING CO FY2025 Key Financial MetricsXBRL
Revenue
$74M
▲ +3.2% YoY
Net Income
$130M
▲ +11.4% YoY
Net Margin
175.6%
▲ +1299bp YoY
ROE
16.1%
▲ +9bp YoY
Total Assets
$6.7B
▲ +4.1% YoY
EPS (Diluted)
$8.93
▲ +13.2% YoY
Operating Cash Flow
$131M
▼ -0.4% YoY
Source: XBRL data from CITY HOLDING CO FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on CITY HOLDING CO
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.