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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
City Holding Company
City Holding Company (CHCO) investor relations material
City Holding Company Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary26 Oct, 2026
Executive summary
Record Q3 diluted EPS of $2.43; net income was $34.6M vs. $35.2M YoY. 9M net income was $99.6M vs. $98.9M.
Q3 net interest margin was 4.04%, up from 3.97% in Q2; loan and deposit growth supported results.
Financial highlights
Q3 net interest income was $62.6M, up 2.5% YoY and 3.0% QoQ; 9M net interest income was $183.0M vs. $175.8M.
Q3 noninterest income rose 4.4% YoY to $21.4M; noninterest expense increased 6.8% to $40.9M. 9M noninterest expense rose 4.4% to $120.4M.
9M noninterest income excluding securities gains and losses rose 5.1% to $62.1M.
Q3 provision was a $0.1M recovery vs. a $0.5M recovery a year earlier; 9M provision was $0.9M vs. a $2.3M recovery in 2025.
9M fully taxable equivalent net interest income was $183.8M vs. $176.4M.
Outlook and guidance
Available borrowing capacity was $1.8B at Sept. 30, 2026; liquidity was characterized as strong, with a conservative liquidity posture.
Common dividends were expected to approximate $56.3M annualized over the next 12 months; available cash and subsidiary-bank dividends were expected to meet funding needs.
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Latest events from City Holding Company
- Net income and EPS rose, with strong capital, liquidity, and continued share repurchases.CHCO
Q2 2026 - Net income was $31.7M, EPS $2.20, with strong capital and a new share buyback program.CHCOQ1 2026
- Proxy covers director elections, executive pay, auditor ratification, and strong governance.CHCOProxy filing
- Record earnings, strong loan growth, and robust capital position marked 2025 performance.CHCOQ4 2025
- Proxy covers director elections, auditor ratification, say-on-pay, and strong governance.CHCOProxy Filing
- Record earnings and robust loan growth, with strong capital and stable credit quality.CHCOQ3 2025
- Record earnings, higher margins, and strong capital position marked the latest quarter.CHCOQ2 2025
- Q3 net income was $29.8M, with strong capital and a 10% dividend hike despite a $2M charge-off.CHCOQ3 2024
- Six-month net income rose to $58.6M, with strong capital and ongoing share repurchases.CHCOQ2 2024
Next City Holding Company earnings date
Q4 202622 Jan, 2027
City Holding Company
Next City Holding Company earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
City Holding Company is a financial holding company based in Charleston, West Virginia. It operates primarily through its wholly owned subsidiary, City National Bank of West Virginia. The company provides a broad range of banking services including credit, deposit, and investment management products. It serves both individual consumers and local businesses, offering commercial and residential real estate loans, consumer loans, mortgage banking services, and a variety of deposit accounts. City Holding Company also provides trust and wealth management services, along with cash management and merchant credit card services for its commercial clients. The company is headquartered in Charleston, West Virginia, and its shares are listed on the NASDAQ.