Summit Financial Group, Inc. (Summit) is a financial holding company. The Company operates through two operating segments, community banking, which consists of full service banks that offer banking products and services through various delivery channels; and insurance and financial services, which includes three insurance agency offices that sell insurance products. The Company provides community banking services in the Eastern Panhandle and South Central regions of West Virginia and the Northern region of Virginia. It provides these services through its community bank subsidiary, Summit Community Bank (the Bank). The Bank�s range of community banking services, include demand, savings and time deposits; commercial, real estate and consumer loans; letters of credit, and cash management services. Summit also operates Summit Insurance Services, LLC in Moorefield, West Virginia and Leesburg, Virginia.