City Holding Company Reports Record Q2 Net Income of $33.4M, EPS at $2.29, and 5.6% Increase in Net Interest Income
City Holding Company reported record Q2 net income of $33.4 million, with diluted EPS of $2.29 for the quarter ending June 30, 2025. The return on assets was 2.03%, and return on tangible equity was 22.7%. Net interest income rose by 5.6% to $58.9 million, driven by increased loan yields and higher investment balances. Non-interest income also increased to $19.2 million, up from $18.9 million in Q2 2024, primarily due to higher service fees and wealth management income.
City Holding Company, a bank holding company based in Charleston, West Virginia, reported record quarterly net income of $33.4 million and diluted earnings of $2.29 per share for the quarter ended June 30, 2025. The company’s return on assets was 2.03%, and its return on tangible equity was 22.7% for the second quarter of 2025. Net interest income increased by approximately $3.1 million, or 5.6%, from $55.8 million in the first quarter of 2025 to $58.9 million in the second quarter. This was driven by an 18 basis point increase in the yield on loans, contributing an additional $1.5 million, along with a $1.0 million increase due to a higher average balance of investments. There was also a $0.7 million increase due to a three basis point decrease in the cost of interest-bearing liabilities and a $0.4 million increase from a 15 basis point rise in the yield on investments. The net interest margin rose from 3.84% in the first quarter to 3.95% in the second quarter of 2025. Non-interest income was $19.2 million for the quarter, up from $18.9 million during the same period in 2024. Exclusive of certain items, non-interest income saw an increase of $0.8 million, or 4.3%, from $18.6 million in the second quarter of 2024 to $19.4 million in the second quarter of 2025. This growth was mainly due to a $0.3 million increase in service fees, a $0.3 million rise in wealth and investment management fee income, and a $0.2 million increase in bank-owned life insurance. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. City Holding Company published the original content used to generate this news brief via Business Wire (Ref. ID: 20250722352921) on July 22, 2025, and is solely responsible for the information contained therein. © Copyright 2025 - Public Technologies (PUBT)
