City Holding Company (CHCO) Q3 2026 earnings summary

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.