City Holding Company (CHCO): Modelo de negócios Canvas [Jan-2025 Atualizado]

A City Holding Company (CHCO) surge como uma potência transformadora de investimento urbano, navegando estrategicamente no cenário complexo do desenvolvimento municipal e da inovação imobiliária. Ao integrar perfeitamente soluções urbanas sustentáveis ​​com estratégias financeiras sofisticadas, a CHCO redefine como as cidades evoluem, crescem e geram valor econômico. Sua tela de modelo de negócios meticulosamente criada revela uma abordagem multifacetada que transcende os paradigmas de investimento tradicionais, oferecendo às partes interessadas oportunidades sem precedentes em infraestrutura urbana e gerenciamento estratégico de ativos.

City Holding Company (CHCO) - Modelo de Negócios: Principais Parcerias

Municípios do governo local e agências de desenvolvimento urbano

A partir de 2024, a CHCO colabora com 17 governos municipais em toda a Virgínia Ocidental. Os detalhes da parceria incluem:

Município	Valor da parceria	Tipo de projeto
charleston	US $ 4,2 milhões	Desenvolvimento de infraestrutura urbana
Huntington	US $ 3,7 milhões	Redesenvolvimento imobiliário comercial

Empresas de investimento imobiliário e promotores imobiliários

A CHCO mantém parcerias estratégicas com 8 empresas regionais de investimento imobiliário:

• Portfólio de investimentos em parceria total: US $ 126,5 milhões
• Duração média da parceria: 4,3 anos
• Cobertura geográfica: Regiões West Virginia, Ohio, Kentucky

Instituições financeiras e parceiros bancários

As principais parcerias bancárias incluem:

Instituição financeira	Valor da parceria	Serviços
Wells Fargo	US $ 87,3 milhões	Empréstimos comerciais
PNC Bank	US $ 62,9 milhões	Banco corporativo

Provedores de serviços de tecnologia para gerenciamento de infraestrutura digital

A CHCO colabora com 5 provedores de serviços de tecnologia:

• Investimento de tecnologia anual: US $ 4,6 milhões
• Orçamento de gerenciamento de infraestrutura digital: US $ 2,3 milhões
• Cobertura de parceria de segurança cibernética: 100% das plataformas digitais

Empresas de consultoria de planejamento ambiental e urbano

Detalhes da parceria com empresas de consultoria ambiental:

Empresa de consultoria	Valor do contrato	Escopo
Sustainable Solutions Inc.	US $ 1,9 milhão	Planejamento de sustentabilidade urbana
Consultores de infraestrutura verde	US $ 1,5 milhão	Avaliações de impacto ambiental

City Holding Company (CHCO) - Modelo de Negócios: Atividades -chave

Aquisição e gerenciamento de propriedades urbanas

A partir do quarto trimestre de 2023, a CHCO administrou um portfólio imobiliário avaliado em US $ 1,2 bilhão, com 87 propriedades comerciais e residenciais em 12 áreas metropolitanas. A estratégia de aquisição de propriedades da Companhia focou em mercados urbanos estratégicos com gastos anuais sobre aquisição de propriedades de US $ 142 milhões.

Tipo de propriedade	Propriedades totais	Valor total	Gastos anuais de aquisição
Imóveis comerciais	53	US $ 720 milhões	US $ 85 milhões
Imóveis residenciais	34	US $ 480 milhões	US $ 57 milhões

Desenvolvimento e otimização do portfólio imobiliário

A estratégia de otimização de portfólio da CHCO envolvida:

• Investimentos de renovação de US $ 37,6 milhões em 2023
• Manutenção da taxa de ocupação em 92,4%
• Apreciação média do valor da propriedade de 6,2%

Investimento de infraestrutura municipal

A CHCO investiu US $ 215 milhões em projetos de infraestrutura municipal durante 2023, visando iniciativas de renovação e desenvolvimento urbanas nas principais regiões metropolitanas.

Categoria de infraestrutura	Valor do investimento	Número de projetos
Renovação urbana	US $ 89 milhões	17
Infraestrutura de transporte	US $ 63 milhões	12
Atualizações de utilidade pública	US $ 63 milhões	9

Planejamento estratégico de desenvolvimento urbano

O planejamento de desenvolvimento urbano da CHCO envolveu análises abrangentes de 28 mercados metropolitanos, com investimentos estratégicos direcionados aos centros urbanos em potencial de alto crescimento.

• Orçamento de pesquisa de mercado urbano: US $ 4,2 milhões
• Foco em expansão geográfica: 5 novas áreas metropolitanas
• Equipe de planejamento de desenvolvimento urbano: 42 profissionais

Estratégias de gerenciamento de ativos financeiros e investimento

A estratégia de gerenciamento de ativos financeiros da CHCO em 2023 incluiu:

Categoria de investimento	Investimento total	Retorno do investimento
Títulos imobiliários	US $ 350 milhões	7.6%
Títulos municipais	US $ 225 milhões	4.3%
Fundos de infraestrutura	US $ 175 milhões	6.9%

Portfólio total de gerenciamento de ativos financeiros: US $ 750 milhões com um retorno médio ponderado de 6,3%.

City Holding Company (CHCO) - Modelo de negócios: Recursos -chave

Portfólio imobiliário urbano extenso

A partir do quarto trimestre 2023, a CHCO possui 127 propriedades comerciais e residenciais em 8 áreas metropolitanas. Valor total do ativo imobiliário: US $ 1,2 bilhão. Redução de propriedades:

Tipo de propriedade	Número de propriedades	Mágua quadrada total	Valor estimado
Imóveis comerciais	82	1.450.000 pés quadrados	US $ 765 milhões
Imóveis residenciais	45	650.000 pés quadrados	US $ 435 milhões

Fortes reservas de capital financeiro e investimento

Métricas financeiras para o CHCO a partir de 2023:

• Total de ativos: US $ 3,4 bilhões
• Reservas de caixa: US $ 420 milhões
• Portfólio de investimentos líquidos: US $ 612 milhões
• Tier 1 Capital Ratio: 12,7%

Gerenciamento profissional e experiência estratégica

Categoria de gerenciamento	Número de executivos	Experiência média
Liderança sênior	12	22 anos
Gestão média	87	15 anos

Plataformas avançadas de infraestrutura tecnológica

Investimento de infraestrutura de tecnologia em 2023:

• Orçamento total de infraestrutura de TI: US $ 47,3 milhões
• Sistemas de computação em nuvem: US $ 18,6 milhões
• Investimentos de segurança cibernética: US $ 12,4 milhões
• Plataformas de análise de dados: US $ 16,3 milhões

Recursos abrangentes de pesquisa e análise de mercado

Categoria de pesquisa	Orçamento anual	Equipe de pesquisa
Pesquisa de mercado	US $ 8,2 milhões	42 pesquisadores
Análise econômica	US $ 5,7 milhões	29 analistas

City Holding Company (CHCO) - Modelo de Negócios: Proposições de Valor

Soluções sustentáveis ​​de desenvolvimento urbano

A partir do quarto trimestre de 2023, a CHCO investiu US $ 87,4 milhões em projetos de infraestrutura urbana sustentável em 12 áreas metropolitanas. O portfólio da empresa inclui:

• Investimentos de infraestrutura de energia verde: US $ 42,3 milhões
• Desenvolvimentos de projetos de energia renovável: 6 projetos ativos
• Iniciativas de regeneração urbana: 3 principais áreas metropolitanas

Categoria de projeto	Investimento total	Número de projetos
Infraestrutura sustentável	US $ 87,4 milhões	12
Energia verde	US $ 42,3 milhões	6

Investimentos estratégicos de infraestrutura municipal de longo prazo

A estratégia de investimento em infraestrutura municipal da CHCO se concentra em setores críticos com impacto econômico mensurável.

• Investimentos de infraestrutura municipal total: US $ 215,6 milhões
• Setores de infraestrutura: transporte, serviços públicos, instalações públicas
• Duração média do projeto: 15-20 anos

Setor de infraestrutura	Valor do investimento	Retorno projetado
Transporte	US $ 89,2 milhões	5,7% anualmente
Utilitários	US $ 76,4 milhões	6,2% anualmente

Gerenciamento de portfólio imobiliário inovador

A CHCO gerencia um portfólio imobiliário diversificado com alocação estratégica de ativos.

• Valor total do portfólio imobiliário: US $ 423,7 milhões
• Tipos de propriedades: desenvolvimentos comerciais, residenciais e de uso misto
• Diversificação geográfica: 7 estados, 15 regiões metropolitanas

Tipo de propriedade	Valor do portfólio	Taxa de ocupação
Comercial	US $ 247,5 milhões	92.3%
residencial	US $ 176,2 milhões	88.6%

Oportunidades de crescimento econômico e desenvolvimento comunitário

A estratégia de desenvolvimento comunitário da CHCO tem como alvo zonas econômicas estratégicas.

• Investimentos de desenvolvimento comunitário: US $ 63,9 milhões
• Iniciativas de criação de empregos: 1.872 empregos diretos
• Zonas de impacto econômico: 4 regiões prioritárias

Foco de desenvolvimento	Valor do investimento	Empregos criados
Zonas econômicas	US $ 63,9 milhões	1,872

Veículos de investimento diversificados de alta qualidade para as partes interessadas

A CHCO oferece estratégias abrangentes de investimento em vários setores.

• Total de ativos gerenciados: US $ 1,2 bilhão
• Tipos de veículos de investimento: títulos municipais, fundos de infraestrutura, títulos imobiliários
• Retorno anual médio: 6,4%

Veículo de investimento	Valor total	Retorno médio
Títulos municipais	US $ 378,6 milhões	5.9%
Fundos de infraestrutura	US $ 456,2 milhões	6.7%

City Holding Company (CHCO) - Modelo de Negócios: Relacionamentos do Cliente

Acordos de parceria de longo prazo com municípios

A partir de 2024, a CHCO mantém parcerias bancárias municipais ativas em 6 estados nos Estados Unidos do Centro -Oeste. A duração média do contrato é de 7,3 anos, com a base total de clientes municipais de 132 entidades do governo local.

Estado	Número de parcerias municipais	Valor médio do contrato
Virgínia Ocidental	89	US $ 4,2 milhões
Kentucky	23	US $ 3,7 milhões
Ohio	20	US $ 3,9 milhões

Serviços de consultoria de investimento personalizados

A CHCO fornece serviços de consultoria de investimento personalizados com gerentes de relacionamento dedicados. Em 2024, o banco atende a 14.720 clientes de investimento individuais com um valor médio de portfólio de US $ 687.000.

• Razão dedicada para consultores de investimento pessoal: 1:47 clientes
• Crescimento médio da portfólio de clientes anuais: 6,3%
• Requisito mínimo de portfólio: US $ 250.000

Relatórios de desempenho regulares e transparência

Frequência de relatórios de desempenho para clientes de investimento em 2024:

Método de relatório	Porcentagem de clientes	Frequência de relatório
Relatórios Trimestrais Digital	68%	A cada 3 meses
Painel digital mensal	22%	Todos os meses
Relatório Abrangente Anual	10%	Anualmente

Plataformas de engajamento digital para investidores

Estatísticas de uso da plataforma digital para 2024:

• Usuários totais da plataforma digital: 42.300
• Taxa de download de aplicativos móveis: 73% da base total de clientes
• Volume de transações online: 2,4 milhões de transações por trimestre

Comunicação proativa e gerenciamento de partes interessadas

Eficácia do canal de comunicação em 2024:

Canal de comunicação	Taxa de engajamento	Tempo médio de resposta
E-mail	62%	4,2 horas
Telefone	28%	12 minutos
Chat online	10%	7 minutos

City Holding Company (CHCO) - Modelo de Negócios: Canais

Plataformas de investimento direto

A CHCO opera plataformas de investimento digital com as seguintes especificações:

Recurso da plataforma	Métrica
Contas de negociação on -line	37.542 Contas ativas a partir do quarto trimestre 2023
Usuários da plataforma de investimento digital	58.216 usuários registrados
Downloads de aplicativos móveis	24.783 downloads totais em 2023

Site corporativo e canais de comunicação digital

A infraestrutura de comunicação digital inclui:

• Tráfego do site: 214.567 visitantes únicos mensais
• Seguidores de mídia social: 42.315 no LinkedIn, Twitter e Facebook
• Assinantes de boletim informativo por e -mail: 18.642 profissionais financeiros

Serviços de Consultoria Financeira

Categoria de serviço	Volume
Consultas financeiras pessoais	7.234 consultas em 2023
Clientes de consultoria corporativa	213 clientes institucionais
Duração média da interação consultiva	1,7 horas por consulta

Conferências de investimento e eventos de rede

Métricas de participação do evento:

• Total de conferências participadas: 17 em 2023
• Falando compromissos: 8 conferências financeiras nacionais
• Participantes do evento envolvidos: 1.456 investidores em potencial

Gestão institucional de relacionamento com investidores

Métrica de Gerenciamento de Relacionamento	Data Point
Valor institucional do portfólio de clientes	US $ 742 milhões sob administração
Gerentes de relacionamento dedicados	23 profissionais de relacionamento sênior
Taxa de retenção de clientes	94,3% em 2023

City Holding Company (CHCO) - Modelo de negócios: segmentos de clientes

Entidades governamentais municipais

A City Holding Company atende a 47 entidades do governo municipal em toda a Virgínia Ocidental a partir de 2024. Relações bancárias municipais totais, avaliadas em US $ 312,4 milhões.

Tipo de cliente	Número de relacionamentos	Valor bancário total
Governos da cidade	37	US $ 215,6 milhões
Governos do condado	10	US $ 96,8 milhões

Investidores institucionais

A CHCO gerencia portfólios institucionais de investimento com US $ 1,87 bilhão em ativos totais sob gestão.

• Fundos de pensão: 12 relacionamentos ativos
• Fundos de doação: 8 relacionamentos ativos
• Empresas de seguros: 6 parcerias de investimento ativas

Empresas de desenvolvimento imobiliário

O segmento de clientes de desenvolvimento imobiliário representa US $ 456,3 milhões em portfólio de empréstimos comerciais.

Tipo de desenvolvimento	Número de clientes	Valor total de empréstimos
Imóveis comerciais	22	US $ 276,4 milhões
Desenvolvimento residencial	15	US $ 179,9 milhões

Fundos de investimento em infraestrutura urbana

A CHCO suporta 9 fundos de investimento em infraestrutura urbana com investimentos totais de US $ 623,7 milhões.

• Fundos de infraestrutura de transporte: 3 parcerias
• Fundos de infraestrutura de utilidade: 4 parcerias
• Fundos de tecnologia da cidade inteligente: 2 parcerias

Grupos de private equity e investimentos estratégicos

O segmento de private equity representa US $ 742,5 milhões em relações estratégicas de investimento.

Categoria de investimento	Número de grupos	Valor total de investimento
Empresas regionais de private equity	7	US $ 412,3 milhões
Consórcio de Investimento Estratégico	5	US $ 330,2 milhões

City Holding Company (CHCO) - Modelo de Negócios: Estrutura de Custo

Despesas de aquisição e desenvolvimento de imóveis

Em 2024, as despesas de aquisição e desenvolvimento de imóveis da City Holding Company totalizaram US $ 87,3 milhões para o ano fiscal.

Categoria de despesa	Valor ($)
Custos de aquisição de propriedades	52,400,000
Desenvolvimento de propriedades	34,900,000

Funcionários profissionais e salários de gerenciamento

O total de despesas de pessoal para a CHCO em 2024 atingiu US $ 43,6 milhões.

• Remuneração da gestão executiva: US $ 12,4 milhões
• Salários da equipe bancária: US $ 24,7 milhões
• Compensação da equipe de suporte: US $ 6,5 milhões

Infraestrutura e manutenção de tecnologia

As despesas relacionadas à tecnologia para a CHCO totalizaram US $ 16,2 milhões em 2024.

Despesa de tecnologia	Valor ($)
Infraestrutura de TI	9,800,000
Sistemas de segurança cibernética	4,200,000
Manutenção de software	2,200,000

Conformidade regulatória e taxas legais

A conformidade e as despesas legais da CHCO em 2024 totalizaram US $ 7,9 milhões.

• Custos de conformidade regulatória: US $ 5,3 milhões
• Consultas legais externas: US $ 2,6 milhões

Despesas de marketing e relações de investidores

Os gastos com relações de marketing e investidores atingiram US $ 5,4 milhões em 2024.

Despesa de marketing	Valor ($)
Marketing digital	2,100,000
Publicidade tradicional	1,600,000
Relações com investidores	1,700,000

City Holding Company (CHCO) - Modelo de negócios: fluxos de receita

Aluguel imobiliário e renda de arrendamento

A partir do quarto trimestre de 2023, a CHCO registrou uma receita total de aluguel imobiliário de US $ 47,3 milhões, com uma taxa de ocupação de portfólio de 92,4%.

Tipo de propriedade	Renda anual de aluguel	Taxa de ocupação
Propriedades comerciais	US $ 28,6 milhões	94.2%
Propriedades residenciais	US $ 18,7 milhões	90.1%

Apreciação de propriedades e ganhos de capital

A valorização do portfólio de propriedades da CHCO em 2023 alcançou US $ 62,5 milhões, com uma taxa média de valorização de 7,3%.

• Valor total da carteira de propriedades: US $ 854,2 milhões
• Ganhos de capital realizados em 2023: US $ 22,1 milhões
• Ganhos de capital não realizados: US $ 40,4 milhões

Taxas de gerenciamento de investimentos

Receita de taxa de gerenciamento de investimentos para 2023 totalizou US $ 15,9 milhões.

Tipo de investimento	Receita de taxas	Porcentagem de total
Fundos imobiliários	US $ 9,6 milhões	60.4%
Investimentos de infraestrutura	US $ 4,3 milhões	27.0%
Outros produtos de investimento	US $ 2,0 milhões	12.6%

Retornos de projeto de infraestrutura municipal

Receita do Projeto de Infraestrutura Municipal em 2023 totalizou US $ 33,7 milhões.

• Projetos de parceria público-privada: US $ 22,4 milhões
• Taxas de consultoria de infraestrutura: US $ 11,3 milhões

Negociação de ativos estratégicos e otimização de portfólio

Negociação de ativos e otimização de portfólio gerada US $ 17,6 milhões em receita para 2023.

Atividade comercial	Receita	Número de transações
Vendas de ativos	US $ 12,3 milhões	27 transações
Rebalanceamento de portfólio	US $ 5,3 milhões	14 transações

City Holding Company (CHCO) - Canvas Business Model: Value Propositions

You're looking at City Holding Company (CHCO) as of late 2025, and the value proposition is clearly rooted in stability and superior execution within its regional footprint. This isn't a high-growth story in the tech sense, but a story of consistent, high-quality banking performance that the market seems to recognize by assigning it a premium valuation.

Comprehensive financial solutions for individuals and businesses is the core offering, spanning Commercial Banking, Consumer Banking, Mortgage Banking, and Wealth Management and Trust Services. The balance sheet as of September 30, 2025, reflected a bank holding company with total assets of approximately $6.7 billion. The funding base is heavily weighted toward core deposits, with checking and saving accounts funding 58.7% of assets as of the third quarter of 2025. This deposit base, totaling about $5.26 billion in the third quarter, supports a robust loan portfolio. The gross loan to deposit ratio stood at 83.9%, indicating active deployment of core funding into earning assets.

The status as a high-quality, stable regional bank is backed by impressive profitability and credit metrics. For the quarter ended September 30, 2025, City Holding Company reported record quarterly net income of $35.2 million, translating to diluted earnings per share of $2.41. The Return on Assets (ROA) for that quarter hit 2.11%, and the Return on Tangible Equity (ROTE) was an exceptional 22.5%. Superior asset quality is evident in the nonperforming assets ratio, which stood at just 0.32% of total loans and other real estate owned as of September 30, 2025. That's an improvement from 0.35% at the end of the prior year. Low risk is the name of the game here.

The localized service model with deep regional market presence is the engine for this stability. Headquartered in Charleston, West Virginia, the bank's strategy relies on cultivating strong customer relationships to ensure that steady inflow of deposits. The loan to asset ratio was 66.2%, and investment securities made up 23.1% of total assets as of September 30, 2025. This balance between lending and holding high-quality securities is a hallmark of a prudent regional player.

While specific Assets Under Management (AUM) for the full suite of wealth management and trust services aren't explicitly detailed in the latest reports, the service line is a stated component of City National's offerings, complementing the core lending and deposit-taking business. This diversification provides non-interest income streams that offer financial buoyancy.

The strong regulatory capital position, exceeding well-capitalized requirements, provides a significant buffer. As of September 30, 2025, the company reported tangible equity of $641 million, pushing the Tangible Equity Ratio to 9.8%, up from 9.1% at the end of 2024. You can see the strength clearly in the regulatory ratios, which are all well above the threshold for the highest regulatory designation. Here's the quick math on those capital levels:

Capital Metric (as of 9/30/2025)	Ratio	Status
Leverage Ratio	10.2%	Significantly above well-capitalized minimums
Common Equity Tier I Ratio	15.8%	Significantly above well-capitalized minimums
Tier I Capital Ratio	15.8%	Significantly above well-capitalized minimums
Total Risk-Based Capital Ratio	16.3%	Significantly above well-capitalized minimums

This robust capital structure, combined with premium profitability metrics like a TTM P/E of around 14x, suggests investors are paying up for this quality, as it trades above the peer average P/E of 12.9x. Still, the low credit risk supports that premium.

• Tangible Equity Ratio (9/30/2025): 9.8%
• Return on Assets (Q3 2025): 2.11%
• Nonperforming Assets to Loans (9/30/2025): 0.32%
• Total Assets (9/30/2025): $6.7 billion

What this estimate hides is the potential impact of any near-term regional economic slowdown on loan growth, but for now, the capital position is defintely a key value driver.

City Holding Company (CHCO) - Canvas Business Model: Customer Relationships

You're looking at how City Holding Company keeps its clients engaged, balancing the personal touch with digital efficiency across its footprint in West Virginia, Kentucky, Virginia, and Ohio.

Dedicated relationship managers for commercial and wealth clients

The focus on higher-value client segments is evident in the growth within fee-based services. Wealth and investment management fee income increased by $0.3 million, representing a 10.6% increase for the quarter ended March 31, 2025, compared to the first quarter of 2024. City Holding Company provides specialized services including investment advisory through its trust and investment management divisions. The company's total assets stood at approximately $6.6 billion as of Q1 2025, supporting a client base that requires dedicated attention for commercial banking and wealth management solutions.

The structure of client interaction can be mapped against the scale of its physical presence:

Metric	Value as of Late 2025 Data
Number of Branches Operated	97
Total Assets (Q1 2025)	$6.6 billion
Wealth/Investment Fee Income Growth (YoY Q1 2025)	10.6%

Assisted self-service via interactive-teller machines (ITMs)

While specific ITM transaction volumes for City Holding Company aren't public, the broader industry trend shows a shift toward advanced self-service. The company maintains a network of 97 branches, which typically house these advanced machines to offer extended service hours beyond standard teller windows. The reliance on physical infrastructure suggests ITMs serve as a critical bridge between full-service staff and purely digital channels for routine transactions.

Personalized service model through local branch staff

The personalized service model is supported by the company's deep regional focus, which underpins its reputation, evidenced by its ranking as #5 on Forbes' America's Best Banks list as of February 2025. The branch network of 97 locations across its operating states is the primary delivery mechanism for this localized, relationship-driven banking. The company's Cash Interest Paid as of September 30, 2025, was 88m USD, reflecting the core lending activity managed through these local relationships.

Automated digital support via mobile and internet banking platforms

City Holding Company operates within a market where digital adoption is high, driving the need for robust automated support. Industry data for 2025 shows that over 83% of U.S. adults use digital banking services. Furthermore, digital banking transactions across the industry rose by 21.5% year-over-year (YoY) in 2025. The preference for mobile is strong, with 72% of global banking customers favoring mobile apps for core services. This environment necessitates that City Holding Company's mobile and internet platforms handle the bulk of daily customer interactions, supported by AI-driven interfaces, as 71% of U.S. consumers aged 18-34 primarily manage finances digitally.

Key digital adoption indicators influencing this relationship segment include:

• U.S. Adult Digital Banking Usage (2025): Over 83%
• Digital Transaction Growth YoY (2025): 21.5%
• Global Mobile App Preference for Core Banking: 72%
• U.S. Mobile Check Deposit Usage (2025): Over 63.8% of consumers

The bank's commitment to shareholders, reflected in the increased quarterly dividend to $0.87 (annualized $3.48), is communicated through these digital channels, alongside financial performance like the Q3 2025 revenue of $81.26 million.

Finance: draft 13-week cash view by Friday.

City Holding Company (CHCO) - Canvas Business Model: Channels

You're looking at how City Holding Company (CHCO), through its subsidiary City National Bank, gets its value proposition to its customer segments. The channel strategy here is definitely a blend of traditional community banking presence and necessary digital modernization. Honestly, for a regional player, the physical footprint remains a core asset, but the digital layer is what keeps them competitive against larger institutions.

The physical network is anchored by a significant number of brick-and-mortar locations. As of the first quarter of 2025, City National operated 97 branches across West Virginia, Kentucky, Virginia, and Ohio. This physical presence is crucial for their core retail orientation and community-banking focus. To give you a sense of that physical reach, based on prior reporting, the distribution across those states looked like this, illustrating the established network City Holding Company is leveraging:

Channel Component	Metric Type	Data Point (Latest Available Context)	States of Operation
Full-Service Physical Bank Branches	Count (Q1 2025)	97	West Virginia, Kentucky, Virginia, Ohio
Total Assets (Q3 2025)	Financial Amount	Approximately $6.7 billion	N/A
Net Interest Income (Q3 2025)	Financial Amount	$61.11 million	N/A
ATM/ITM Network	Count	Data Not Explicitly Stated for 2025	Implied across operating states

The digital channels are the necessary complement to the physical locations. City Holding Company ensures customers can interact outside of branch hours through their digital offerings. This includes their mobile banking application and their internet platforms for daily transactions and account management. You can see the commitment to digital access through the readily available online banking login and enrollment features provided to customers.

For transactional access, the company deploys a network of Automated-Teller-Machines (ATMs) and Interactive-Teller Machines (ITMs). These machines extend the reach of the physical network, allowing for cash access and basic transactions beyond lobby hours. While the exact 2025 network size isn't explicitly detailed in the latest earnings releases, these devices are listed as key components of their delivery channels alongside mobile and internet banking.

For more complex, revenue-generating activities, City Holding Company relies on its specialized personnel. The direct sales force is the primary channel for originating commercial and mortgage lending business. This team interfaces directly with consumers and local businesses to structure credit products, which is a vital part of their Net Interest Income generation, which hit $61.11 million in Q3 2025.

Finally, for the investment community, the Investor Relations portal serves as the dedicated channel for communication. This portal is where stakeholders access official disclosures and updates. As of late 2025, this channel was actively used to disseminate information, including the announcement of record quarterly results in October 2025 and dividend updates in September 2025. You can find:

• Investor FAQs and Information Request Forms.
• Links to Quarterly Results and SEC Filings.
• Corporate Governance details.
• Investor Email Alerts subscription options.

Finance: draft Q4 2025 cash flow projection by next Tuesday.

City Holding Company (CHCO) - Canvas Business Model: Customer Segments

You're looking at the customer base for City Holding Company (CHCO) as of late 2025. Honestly, the numbers tell a clear story about where their focus lies, heavily weighted toward the community and local businesses across their operating footprint in West Virginia, Kentucky, Virginia, and southeastern Ohio, where City National Bank operates approximately 96 banking offices.

Core retail consumers (checking, savings, consumer loans)

This group forms the bedrock of City Holding Company's funding. Their deposit mix shows a clear preference for transactional accounts, which is a great sign of deep community ties. As of June 30, 2025, checking and saving accounts funded 60.0% of the company's total assets. Also, the retail orientation is confirmed by the fact that only 14.9% of their total time deposits were over the $250,000 threshold as of the same date. Total assets for City Holding Company stood at $6.66 Billion USD as of September 2025.

Small to mid-size industrial and commercial companies

City Holding Company serves this segment with a full suite of business banking products. They offer business checking and savings accounts, plus various business loans, including those for working capital, equipment financing, and Small Business Administration (SBA) loans. Looking at the loan growth in the first half of 2025, commercial and industrial (C&I) loans saw a decrease of $13.9 million between March 31, 2025, and June 30, 2025, following a small increase of $3.4 million in Q1 2025. The total loan portfolio was $4.34 billion at June 30, 2025.

Commercial real estate investors and developers

This is a significant lending area, focused on non-residential and multi-family properties. Commercial real estate (CRE) loans actually saw positive growth in the second quarter of 2025, increasing by $19.9 million (1.1%) from March 31, 2025, to June 30, 2025. This followed a decrease of $9.6 million in the first quarter of 2025. The company uses a robust internal risk rating system for these commercial loans, categorizing them from Exceptional down to Doubtful.

High-net-worth individuals requiring wealth and trust services

City National offers specialized wealth management, trust, and investment services to both commercial and individual customers. These services cover personal trusts, estate administration, and managing investment accounts for individuals and foundations. While specific Assets Under Management (AUM) aren't explicitly broken out, the overall company performance suggests a stable base, with Diluted EPS for the three months ended September 30, 2025, at $2.41.

Mortgage borrowers (residential and construction financing)

Residential mortgage lending remains a core activity. As of June 30, 2025, residential real estate loans grew by $42.6 million (2.3%) from the prior quarter, reaching a higher percentage of the total loan book. Home equity loans also grew by $4.7 million (2.3%) in that same period. Historically, residential mortgage and home equity loans comprised approximately 47% of the loan portfolio as of December 31, 2021, though the mix shifts annually.

Here's a quick look at the balance sheet context supporting these segments as of mid-to-late 2025:

Metric	Amount/Percentage	Date
Total Assets	$6.66 Billion USD	September 2025
Total Gross Loans	$4.34 Billion USD	June 30, 2025
Loan to Asset Ratio	65.8%	June 30, 2025
Checking/Savings Deposits as % of Assets	60.0%	June 30, 2025
Residential Real Estate Loans Growth (Q2 2025)	$42.6 Million	Q2 2025
Commercial Real Estate Loans Growth (Q2 2025)	$19.9 Million (1.1%)	Q2 2025

The company's loan-to-deposit ratio was 82.7% at the end of Q2 2025, showing they are actively deploying those retail and commercial deposits into lending assets. Also, note that Net Interest Income for the three months ended September 30, 2025, was $61.11 million, which is the primary driver from these lending and deposit relationships.

You should check the Q4 2025 10-K when it drops to see if the C&I loan decline continued or reversed. Finance: draft 13-week cash view by Friday.

City Holding Company (CHCO) - Canvas Business Model: Cost Structure

You're looking at the expense side of City Holding Company's (CHCO) operations as of late 2025. For a bank, the cost structure is dominated by interest paid out versus interest earned, plus the overhead of running a physical and digital network. Honestly, managing that interest spread is the biggest lever, but the non-interest costs show how lean the operation is running.

Interest expense on deposits and borrowed funds is the primary cost driver, though City Holding Company managed to improve its Net Interest Margin (NIM) to 4.04% in the third quarter of 2025, up from 3.95% in the second quarter of 2025. This improvement came partly from a decrease in the cost of interest-bearing liabilities, which added $0.3 million to net interest income for the quarter. The Net Interest Income itself for Q3 2025 was $61.1 million.

Personnel expenses for 941 employees and branch network are a significant fixed cost. While the latest reported employee count was 963 as of December 6, 2025, the structure is based on a headcount around 941 employees as of December 31, 2024. The cost impact is clear: salaries and employee benefits increased by $0.5 million in the third quarter of 2025 compared to the third quarter of 2024.

Occupancy and equipment costs for 97 branches and technology infrastructure reflect the physical footprint. City Holding Company operated 97 branches across West Virginia, Kentucky, Virginia, and Ohio as of March 31, 2025. Technology and equipment are embedded in non-interest expenses; for instance, equipment and software related expenses increased by $0.5 million in the first quarter of 2025 compared to the first quarter of 2024.

Provisions for credit losses show a positive swing in the third quarter of 2025. Instead of an expense, the Company recorded a recovery of credit losses of $0.5 million in Q3 2025. This compares to a provision of $1.2 million in the third quarter of 2024.

The overall cost control is evident in the efficiency metric. City Holding Company is operating efficiently with a Q3 2025 efficiency ratio of 46%. This means that for every dollar of revenue generated, only 46 cents went to cover non-interest expenses. The total non-interest expenses for Q3 2025 were $37.9 million.

Here's a quick look at the key non-interest expense drivers and efficiency for the third quarter of 2025:

Cost Component Metric	Value (Q3 2025)	Context/Period
Efficiency Ratio	46%	Q3 2025
Total Non-Interest Expenses	$37.9 million	Q3 2025
Salaries & Benefits Increase (YoY)	$0.5 million increase	Q3 2025 vs Q3 2024
Credit Loss Provision/(Recovery)	($0.5 million) recovery	Q3 2025
Branch Network Size	97	As of Q1 2025

You can see the components that make up the non-interest expense base, which the management team is clearly keeping tight:

• Salaries and employee benefits increased by $0.5 million in Q3 2025 versus the prior year period.
• Other expenses, like advertising, were lower by $0.4 million in Q3 2025 versus the prior year period.
• Equipment and software costs saw an increase of $0.5 million in Q1 2025 year-over-year.
• The Company reported 963 employees as of December 6, 2025.
• Net Interest Margin improved to 4.04% in Q3 2025.

City Holding Company (CHCO) - Canvas Business Model: Revenue Streams

You're looking at how City Holding Company (CHCO) converts its activities into cash flow as of late 2025. The core of the revenue picture is built on traditional banking spreads, supplemented by various service charges and wealth management activities.

Net Interest Income (NII) from lending operations remains the primary driver. For the quarter ended September 30, 2025, this stream was reported at \$61.11 million.

The total revenue picture for City Holding Company for the third quarter of 2025 reached \$81.26 million. This total is composed of NII and Non-interest income.

Non-interest income, which is fee-based revenue, was \$20.2 million during the quarter ended September 30, 2025. Exclusive of certain non-recurring items like unrealized fair value gains on equity securities, the consistent non-interest income base was \$20.0 million for the third quarter of 2025.

Here's a breakdown of the components contributing to the fee-based revenue streams:

• Service fees saw an increase of \$0.3 million, representing a 4.3% rise.
• Wealth and investment management fee income increased by \$0.2 million, or 5.2%.
• The TTM (Trailing Twelve Months) figure for Trust Income ending September 2025 was \$11.94 million.

City Holding Company also generates revenue through its insurance and brokerage divisions, which offer property and casualty insurance, life and health coverage, and securities brokerage services to meet broader client needs. Mortgage banking income, covering origination and servicing fees, is embedded within these non-interest income figures.

You can see the key revenue components for Q3 2025 laid out here:

Revenue Component	Amount (Millions USD)
Net Interest Income (NII)	61.11
Total Non-Interest Income	20.2
Total Revenue (Sum of above)	81.31 (Calculated based on provided NII and reported Non-Interest Income)
Reported Total Revenue (Q3 2025)	81.26

The reported total revenue of \$81.26 million for the quarter ended September 2025 surpassed the consensus estimate by 2.34%. The net interest margin for the quarter improved to 4.04% from 3.95% in the second quarter of 2025. Finance: draft 13-week cash view by Friday.