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Sep 30
City Holding Q3 2025 Earnings Report
City Holding Company reported record net income and strong EPS growth in Q3 2025, driven by higher net interest income and stable credit quality.
Key Takeaways
City Holding delivered a record-breaking quarter with $35.2 million in net income and a net interest margin of 4.04%. Higher yields on loans and investments, coupled with lower liability costs, contributed to improved performance.
Net income reached a record $35.2 million for the quarter.
Diluted EPS rose to $2.41, up from $2.02 in Q3 2024.
Net interest income increased to $61.1 million, driven by higher yields and loan growth.
Credit quality remained stable with a 0.32% non-performing asset ratio.
City Holding
City Holding
City Holding Revenue by Segment
Revenue by Segment
Residential Real Estate Revenue
CapyFin.comCommercial/Agri Loans Revenue
CapyFin.comInstallment Loans Revenue
CapyFin.comTaxable Securities Revenue
CapyFin.comTax-Exempt Securities Revenue
CapyFin.comDeposits Revenue
CapyFin.com Forward Guidance
City Holding expects continued loan growth and stable credit quality. Management remains confident in liquidity and capital positions amid macro uncertainties.
Positive Outlook
- Strong capital position with CET1 at 17.19%
- Tangible equity ratio rose to 9.84%
- Net interest income increased due to higher loan yields
- Continued improvement in net interest margin to 4.04%
- Stable non-performing asset ratio at 0.32%
Challenges Ahead
- Slight increase in past due loans to 0.19%
- Non-interest income remained flat YoY
- Slightly lower balance in deposits in depository institutions
- Minimal growth in total deposits (0.2%)
- Unrealized loss on securities still affecting AOCI