CITY HOLDING CO

City Holding Company is a financial holding company based in Charleston, West Virginia. The company operates primarily through its wholly-owned subsidiary, City National Bank of West Virginia. City National delivers banking, wealth and investment management, and other financial solutions through its network of 96 bank branches and 934 full-time equivalent associates across West Virginia, Kentucky, Virginia, and southeastern Ohio. The company's business activities are currently limited to one reportable segment: community banking. City National's main products and services include Commercial Banking, which offers a full range of services to corporations and businesses. This includes loans for commercial and industrial projects, income-producing commercial real estate, owner-occupied real estate, and construction and land development. Commercial customers also have access to deposit services like treasury management, lockbox, and other cash management services, along with merchant credit card services provided through a third-party vendor. Consumer Banking services include checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Consumers can also obtain installment and real estate loans, lines of credit, and credit cards through a third-party vendor. Mortgage Banking provides fixed and adjustable-rate mortgages, construction financing, land loans, conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Lastly, Wealth and Investment Management Services offer specialized expertise in wealth management, investment, and custodial services for both commercial and individual customers, including personal trusts, estates, investment account management, corporate trust, institutional custody, financial and estate planning, and retirement plan services.