CITY HOLDING CO

Rule 10b-1(c) Plan

During the three months ended December 31, 2025, the following directors adopted trading arrangements, all of which are intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) as those terms are defined in Regulation S-K, Item 408:

•Robert D. Fisher, amember of our board of directors, adopted a non-discretionary stock purchase plan on November 30, 2025. The plan, which expires November 30, 2026, provides for purchase the Company's stock, subject to certain purchase restrictions. The aggregate number of shares of the Company's stock to be purchased depends on stock price.

•James A. Hoyer, amember of our board of directors, adopted a non-discretionary stock purchase plan on November 30, 2025. The plan, which expires November 30, 2026, provides for purchase the Company's stock, subject to certain purchase restrictions. The aggregate number of shares of the Company's stock to be purchased depends on stock price.

•Diane W. Strong-Treister, amember of our board of directors, adopted a non-discretionary stock purchase plan on November 30, 2025. The plan, which expires November 30, 2026, provides for purchase the Company's stock, subject to certain purchase restrictions. The aggregate number of shares of the Company's stock to be purchased depends on stock price

•Javier A. Reyes, amember of our board of directors, adopted a non-discretionary stock purchase plan on November 30, 2025. The plan, which expires November 30, 2026, provides for purchase the Company's stock, subject to certain purchase restrictions. The aggregate number of shares of the Company's stock to be purchased depends on stock price.

During the three months ended December 31, 2025, none of our directors or officers informed us of the termination of a Rule 10b5-1 trading arrangement. Additionally, none of our directors or officers informed us of theadoption ortermination of a non-Rule 10b5-1 trading arrangement.

Insider Trading Policies and Procedures

The Company hasadopted insider trading policies and procedures governing the purchase, sale, and/or dispositions of City Holdings’ securities by directors, officers and employees, or the registrant itself, that are reasonably designed to promote compliance with insider trading laws, rules and regulations, and listing standards.