Summit Financial Group, Inc. is a financial holding company. The Company provides these services through the community bank subsidiary, Summit Community Bank (Summit Community), which has a total of 15 banking offices located in West Virginia and Virginia. It also operates Summit Insurance Services, LLC in Moorefield, West Virginia and Leesburg, Virginia, which offers both commercial and personal lines of insurance specializing in group health, life and disability benefit plans. Its two segments are community banking, and insurance & financial services. The community banking segment consists of its full service banks, which offer customers traditional banking products and services through various delivery channels. The insurance & financial services segment includes three insurance agency offices that sell insurance products. The Bank's loan portfolio categories include commercial, commercial real estate, construction and development, residential real estate, and consumer.