Here are the 10-K annual reports from City Holding Co (CHCO) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CHCO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CHCO filings page.
City Holding Company filed its annual report describing its community banking operations and risk profile across West Virginia, Kentucky, Virginia and southeastern Ohio. Through City National Bank, it operates 96 branches with 934 full-time equivalent associates and focuses on commercial, residential mortgage, home equity, consumer and wealth management services.
As of December 31, 2025, residential mortgage and home equity loans were about 47% of the loan portfolio, while commercial and industrial and commercial real estate loans were about 52%. Capital ratios were strong, with the holding company’s Common Equity Tier 1 ratio at 16.9% and Tier 1 leverage ratio at 11.0%, both above well-capitalized thresholds. The report also details extensive regulatory oversight, cybersecurity expectations, and a broad set of economic, credit, interest rate, competitive and operational risks that could materially affect results.