Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 129,665	$ 117,580
Interest-bearing deposits in depository institutions	95,929	107,809
Cash and Cash Equivalents	225,594	225,389
Investment securities available for sale, at fair value (amortized cost $1,618,775 and $1,570,449, net of allowance for credit losses of $0 at September 30, 2025 and December 31, 2024, respectively)	1,510,772	1,421,306
Other securities	29,878	29,803
Total Investment Securities	1,540,650	1,451,109
Gross loans	4,412,775	4,274,776
Allowance for credit losses	(19,658)	(21,922)
Net Loans	4,393,117	4,252,854
Bank owned life insurance	123,506	120,887
Premises and equipment, net	69,539	70,539
Accrued interest receivable	21,890	20,650
Deferred tax assets, net	32,159	41,704
Goodwill and other intangible assets, net	158,414	160,044
Other assets	102,763	116,283
Total Assets	6,667,632	6,459,459
Deposits:
Noninterest-bearing	1,377,313	1,344,449
Interest-bearing:
Demand deposits	1,338,872	1,335,220
Savings deposits	1,238,832	1,215,358
Time deposits	1,302,575	1,249,123
Total Deposits	5,257,592	5,144,150
Securities sold under agreements to repurchase	369,012	325,655
FHLB long-term advances	150,000	150,000
Other liabilities	92,085	108,990
Total Liabilities	5,868,689	5,728,795
Commitments and contingencies - see Note I
Shareholders’ Equity
Preferred stock, par value $25 per share: 500,000 shares authorized; none issued	0	0
Common stock, par value $2.50 per share: 50,000,000 shares authorized; 19,047,548 shares issued at September 30, 2025 and December 31, 2024, less 4,552,467 and 4,342,108 shares in treasury, respectively	47,619	47,619
Capital surplus	173,733	176,506
Retained earnings	915,971	852,757
Treasury Stock	(254,153)	(230,499)
Accumulated other comprehensive loss:
Unrealized loss on securities available-for-sale	(82,785)	(114,277)
Underfunded pension liability	(1,442)	(1,442)
Total Accumulated Other Comprehensive Loss	(84,227)	(115,719)
Total Shareholders’ Equity	798,943	730,664
Total Liabilities and Shareholders’ Equity	$ 6,667,632	$ 6,459,459

CITY HOLDING CO 10-Q