Better Health for All

City Holding Company's financial services, such as the Enrich financial wellness platform, have demonstrated a positive impact on mental health, with 150,000 members experiencing an average 23% reduction in stress.

The company also provides loans to nursing homes and for critical equipment used by emergency agencies, contributing to health infrastructure. The company offers programs like City Start Mortgage and Bounce Back Checking to assist low- and moderate-income individuals and those previously denied banking services, and has invested in affordable housing, with 97% of residents in one development receiving Section 8 assistance. Bank employees also provided financial literacy training in schools where the majority of students qualified for free/reduced lunches. However, direct donations to health equity programs are limited, with specific donations of $1,910 and $1,000 to free healthcare and dental services for low-income individuals. While the company has provided loans for critical equipment to agencies in counties with high drug overdoses, one such county ranks number one in the nation for drug overdoses, indicating a significant ongoing issue. Support for the healthcare workforce is limited to offering special accounts for medical professionals and providing working capital lines of credit to nursing homes for delayed Medicaid payments. The company's financial education programs are broad, reaching schools, community organizations, and senior centers. During public health emergencies, the company has made donations totaling $2,550 and $2,500 to disaster relief organizations and fundraised over $5,000 for flood victims.

Fair Money & Economic Opportunity

The company received a 'Satisfactory' rating for its Community Reinvestment Act compliance in 2018.

Its bank branches are primarily located along the I-64 and I-81 corridors in West Virginia, Kentucky, Virginia, and Southeast Ohio. While the reports note that some rural and small community markets are served, specific percentages of service points in underserved areas are not provided.

Kind to Animals

City Holding Company operates as a bank holding company providing financial services. Its core business model does not involve activities such as animal testing, the use of animal-derived ingredients, animal agriculture, or direct impact on wildlife habitats.

Therefore, all KPIs related to animal welfare, testing, sourcing, and conservation are not applicable to the company's operations, resulting in a score of 0 for each.

Planet-Friendly Business

City Holding Company's 2025 ESG summary states that no specific regulatory actions, violations, fines, or compliance issues are mentioned.

The document also notes a lack of specific quantitative data on company-wide scope 1, 2, and 3 emissions, renewable energy percentages, water use per revenue, or waste diversion rates. The 2024 operations center used 16,319,000 kWh of electricity, 379,800 gallons of water, and 365,050 gallons of sewer, with no natural gas usage reported for this specific center.

Safe & Smart Tech

As of its report date (2025-02-26, updated 2026-02-04), the company has not been materially affected by cybersecurity threats, indicating no significant data breaches or unauthorized data use incidents in recent years.

The company maintains an Information Security Program that leverages the NIST Cybersecurity Framework, regulatory guidance, and other industry standards. This program includes user awareness and training for employees on handling sensitive data and appropriate use of networks. The company conducts periodic reviews and assessments of its network infrastructure and employs patch management. It engages internal and external auditors and independent external partners to periodically review its processes, systems, and controls, including its information security program. An Incident Response Policy and Team are in place, with the Information Security Officer and Chief Information Officer leading investigations and reporting to the CEO and board. The company evaluates third-party vendors' internal controls and competence before introducing new products or services. It also complies with federal banking agency rules requiring notification of significant computer-security incidents to regulators within 36 hours and to affected customers for incidents materially disrupting services for four or more hours.

Zero Waste & Sustainable Products

City Holding Company has eliminated single-use plastics.

The company has implemented 9 waste reduction initiatives, including transitioning to recycled paper products and digital business cards in 2023, utilizing DocuSign to save 226 trees, and hosting shred events that saved 110 cubic yards of landfill space. City also encourages employees to print less, offers paperless alternatives to customers, implements recycling programs across facilities, and evaluates the reuse of existing structures for retail branches. Hazardous waste is managed by utilizing durable and nontoxic exterior materials like masonry and glass for retail branches. These building materials are also noted for their durability. The company has not incurred any waste disposal violations in the past three years. City is committed to achieving its environmental objectives, but specific quantitative waste reduction targets with timelines are not provided. The company requires all tier-1 vendors and suppliers to operate with environmental sustainability in mind, including efforts to measure, reduce, and mitigate environmental impacts, and comply with all applicable environmental laws. Furthermore, City educates customers on waste reduction by offering eBanking, ePay solutions, and paperless statements, with 45.3% of customers receiving electronic statements as of June 30, 2023.