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City Holding Company (CHCO) investor relations material
City Holding Company Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for the six months ended June 30, 2025 was $63.7 million, with record Q2 net income of $33.4 million and diluted EPS of $2.29; ROA for Q2 was 2.03% and return on tangible equity was 22.7%.
Net interest income rose to $114.7 million for the six months and $58.9 million for the quarter, driven by higher loan yields and investment balances.
Non-interest income increased to $19.2 million, with growth in service fees and wealth management.
Non-interest expenses rose 6.1% year-over-year to $39.0 million, mainly due to higher salaries, benefits, and technology costs.
Dividend payout ratio remained stable at 36.3% for the six months.
Financial highlights
Total assets at June 30, 2025 were $6.60 billion, up from $6.46 billion at December 31, 2024.
Gross loans increased to $4.34 billion, with residential real estate loans up $60.8 million (3.3%) and commercial real estate loans up $19.9 million (1.1%).
Total deposits grew to $5.25 billion, with noninterest-bearing deposits and time deposits both increasing.
Allowance for credit losses decreased to $19.7 million, or 0.45% of loans.
Book value per share increased to $52.72, and tangible book value per share to $41.76 at quarter-end.
Outlook and guidance
Management expects available cash and dividends from the bank subsidiary to be sufficient for funding and cash needs over the next 12 months.
Guidance remains subject to risks outlined in the latest 10-K and ongoing economic and market developments.
No material impact is expected from recent tax law changes (OBBBA) on future financial statements.
Explain the $1.2M salary/benefit expense increase.
Discuss City National's borrowing facility capacity.
What drove the $2M recovery of credit losses?
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Next City Holding Company earnings date
Q3 202523 Oct, 2025
Next City Holding Company earnings date
Q3 202523 Oct, 2025
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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.
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