TWIN CITY BANK

ution of an insured depository institution, the claims of depositors of the institution, including the claims of the FDIC as subrogee of insured depositors, and certain claims for administrative expenses of the FDIC as a receiver, will have priority over other general unsecured claims against the institution, including those of the parent bank holding company. Standards for Safety and Soundness. The Federal Deposit Insurance Act requires the federal bank regulatory agencies to prescribe, by regulation or guideline, operational and managerial standards for all insured depository institutions relating to: (1) internal controls; (2) information systems and audit systems; (3) loan documentation; (4) credit underwriting; (5) interest rate risk exposure; and (6) asset quality. The federal bankin

an investment option, all contributions are invested in an age-based default fund (based upon the participant's age), as defined in the Plan agreement. Vesting - Participants are immediately vested in all contributions, the employer match, and earnings thereon when they are made to the Plan. Fully Benefit-Responsive Investment Contracts - This investment is a general account product offered through a group annuity contract and the participant's principal and interest are fully guaranteed by the entire general account assets of the insurance company. Participant transfers may be restricted for up to 30 days in the event of excessive participant trading. If the Plan Sponsor chooses a book value payout for termination, participant transfer restrictions will apply until the money is paid to t

tions from participants 4,196,234 5,519,500 Net appreciation in fair value of investments 11,605,773 Total additions 18,011,021 Deductions: Benefits paid to participants 6,186,546 Administrative expenses 17,384 Total deductions 6,203,930 Net increase 11,807,091 Net assets available for benefits: Beginning of year 96,175,537 End of year $ 107,982,628 The accompanying notes are an integral part of these financial statements. 4 City Holding Company 401(k) Plan and Trust Notes to Financial Statements Note 1. Description of Plan The following description of the City Holding Company 401(k) Plan and Trust (the “Plan”) provides only general information. Participants should refer to the plan document for a complete description of the Plan's provisions. General - The Plan is a defined contribution s

ued under the Plan cannot exceed 400,000 shares of common stock. Shares available for issuance at February 28, 2026 were 188,269 . Certent, Inc. is the record keeper for the Plan. Administrative expenses of the Plan are paid by the Company. Plan Year The Plan year begins on March 1 and ends on February 28 (or February 29 in the case of a leap year). ​ Eligibility An employee of the Company or any Participating Subsidiary is eligible to participate in the Plan if the employee has been continuously employed by the Company or any Participating Subsidiary for at least 90 days (except that any bona fide leave of absence will not render a participant so long as the leave does not exceed three months or, if longer than three months, the individual’s right to reemployment is provided by statute or