SMMF / Summit Financial Group, Inc. - تصريحات هيئة الأوراق المالية والبورصات، التقرير السنوي، بيان الوكيل

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-16587 SUMMIT FINANCIAL GROUP, INC. (Exact name of registrant as specifie

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration Statement No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration Statement No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration Statement No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration Statement No.

As filed with the Securities and Exchange Commission on May 7, 2024

As filed with the Securities and Exchange Commission on May 7, 2024 Registration No.

Changes in Control of Registrant, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 3, 2024 -12-31 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Grou

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECU

-12-31FY2023 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2024 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, April 25, 2024 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FIRST QUARTER 2024 EARNINGS OF $1.14 PER SHARE MOOREFIELD, WV – April 25, 2024 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Company” or “Summit”) (NASDAQ: SMMF) today reported financial results for t

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Regulatory Approvals and Closing Date for Merger of Equals Burke & Herbert Annual Shareholder Meeting Date Established

Exhibit 99.1 Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Regulatory Approvals and Closing Date for Merger of Equals Burke & Herbert Annual Shareholder Meeting Date Established April 19, 2024 ALEXANDRIA, Va. and MOOREFIELD, W.Va., April 19, 2024 /PRNewswire/ - Burke & Herbert Financial Services Corp. ("Burke & Herbert") (Nasdaq: BHRB) and Summit Fin

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 19, 2024 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commission

Summit Financial Group, Inc. Compensation Recoupment Policy

Exhibit 97.1 SUMMIT FINANCIAL GROUP, INC. COMPENSATION RECOUPMENT POLICY 1. Purpose. The purpose of this Summit Financial Group, Inc. (the “Company”) Compensation Recoupment Policy (this “Policy”) is to enable the Company to recover Erroneously Awarded Compensation from Covered Executive Officers in the event that the Company is required to prepare an Accounting Restatement. This Policy is designe

Power of Attorney

Exhibit 24 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S.

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF REGISTRANT The following lists the subsidiaries of Summit Financial Group, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE AC

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 Commission File Number 0-16587 Summit Financial Group, Inc. (Exact name of reg

1 4Q23 Update (Nasdaq: BHRB) February 2024 On August 24, 2023, Burke & Herbert Financial Services Corp. (the “Company”) and Summit Financial Group, Inc. ("Summit") (Nasdaq: SMMF) announced the signing of a definitive agreement under which Summit will

1 4Q23 Update (Nasdaq: BHRB) February 2024 On August 24, 2023, Burke & Herbert Financial Services Corp.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 6, 2024 Date of Report (date of earliest event reported) Burke & Herbert F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 6, 2024 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 26, 2024 Date of Report (date of earliest event reported) Burke & Herbert F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 26, 2024 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization)

Burke & Herbert Financial Services Corp. Announces Fourth Quarter and Full Year 2023 Results and Declares Common Stock Dividend

Burke & Herbert Financial Services Corp. Announces Fourth Quarter and Full Year 2023 Results and Declares Common Stock Dividend For Immediate Release January 26, 2024 Alexandria, VA – Burke & Herbert Financial Services Corp. (the “Company” or “Burke & Herbert”) (Nasdaq: BHRB) reported financial results for the quarter ended and year ended December 31, 2023. In addition, at its meeting on January 2

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, January 25, 2024 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS EARNINGS OF $1.11 PER SHARE FOR FOURTH QUARTER 2023 MOOREFIELD, WV – January 25, 2024 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Company” or “Summit”) (NASDAQ: SMMF) today reported financial resu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 4, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 4, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commissi

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Shareholder Approval for Merger

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Shareholder Approval for Merger Alexandria, Va. and Moorefield, W. Va., December 6, 2023 /PRNewswire/ - Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Group, Inc. (“Summit”) (Nasdaq: SMMF) today announced that at special meetings of their respective shareh

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Shareholder Approval for Merger

Exhibit 99.1 Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Receipt of Shareholder Approval for Merger Alexandria, Va. and Moorefield, W. Va., December 6, 2023 /PRNewswire/ - Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Group, Inc. (“Summit”) (Nasdaq: SMMF) today announced that at special meetings of their resp

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 6, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commissi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 6, 2023 Date of Report (date of earliest event reported) Burke & Herbert F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 6, 2023 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization)

1 3Q23 Update (Nasdaq: BHRB) November 2023 On August 24, 2023, Burke & Herbert Financial Services Corp. (the “Company”) and Summit Financial Group, Inc. ("Summit") (Nasdaq: SMMF) announced the signing of a definitive agreement under which Summit will

1 3Q23 Update (Nasdaq: BHRB) November 2023 On August 24, 2023, Burke & Herbert Financial Services Corp.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 20, 2023 Date of Report (date of earliest event reported) Burke & Herbert

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 20, 2023 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization

November 9, 2023

Filed by Burke & Herbert Financial Services Corp. (Commission File No. 001-41633) pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Form S-4 file No. 333-274810 Subject Company: Summit Financial Group, Inc. (Commission File No. 000-16587) Date: November 9, 2023 November 9, 2023 Dear Burke & Herbert Financial Ser

November 9, 2023

Filed by Summit Financial Group, Inc. (Commission File No. 000-16587) pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Form S-4 file No. 333-274810 Subject Company: Summit Financial Group, Inc. (Commission File No. 000-16587) Date: November 9, 2023 November 9, 2023 Dear Summit Financial Group, Inc. Shareholder:

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, October 26, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS EARNINGS OF $1.09 PER SHARE FOR THIRD QUARTER 2023 MOOREFIELD, WV – October 26, 2023 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Company” or “Summit”) (NASDAQ: SMMF) today reported financial resul

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Burke & Herbert Financial Services Corp. Announces Third Quarter 2023 Results and Declares Common Stock Dividend

Burke & Herbert Financial Services Corp. Announces Third Quarter 2023 Results and Declares Common Stock Dividend For Immediate Release October 27, 2023 Alexandria, VA – Burke & Herbert Financial Services Corp. (the “Company” or “Burke & Herbert”) (Nasdaq: BHRB) reported financial results for the quarter ended September 30, 2023. In addition, at its meeting on October 26, 2023, the board of directo

For the Quarter Ended

Filed by Summit Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. (Commission File No.: 000-16587) Date: October 27, 2023 FOR RELEASE 6:00 AM ET, October 26, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-055

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, October 26, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS EARNINGS OF $1.09 PER SHARE FOR THIRD QUARTER 2023 MOOREFIELD, WV – October 26, 2023 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Company” or “Summit”) (NASDAQ: SMMF) today reported financial resul

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 27, 2023 Date of Report (date of earliest event reported) Burke & Herbert F

Filed by: Burke & Herbert Financial Services Corp. (Commission File No.: 001-41633) Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934, as amended Summit Financial Group, Inc. (Commission File No.: 000-16587) Date: October 27, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Submit Filings Related to Merger Agreement

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Submit Filings Related to Merger Agreement ALEXANDRIA, Va., October 2, 2023 /PRNewswire/ - Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Group, Inc. (“Summit”) (Nasdaq: SMMF) today announced the submission of regulatory filings related to the merger agreement between Burke &

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 September 29, 2023 Date of Report (date of earliest event reported) Burke & Herbert

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 September 29, 2023 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organizatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 8, 2023 Summit Financia

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 8, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

SMMF / Summit Financial Group Inc / Castle Creek Capital Partners V, LP - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* SUMMIT FINANCIAL GROUP, INC. (Name of Issuer) Common Stock, par value $2.50 per share (Title of Class of Securities) 86606G101 (CUSIP Number) Castle Creek Capital Partners V, LP 11682 El Camino Real, Suite 320 San Diego, CA 92130 858-756-8300 Copy to: Jo

On August 25, 2023, Summit Financial Group, Inc. (“Summit”) filed a copy of a presentation made available to customers of Summit under Rule 425 and Rule 14a-12 with the United States Securities and Exchange Commission (the “Rule 425 Filing”). The Rul

Filed by Summit Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 And deemed filed pursuant to Rule 14a-12 Under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. Commission File No.: 0-16587 Date: August 29, 2023 On August 25, 2023, Summit Financial Group, Inc. (“Summit”) filed a copy of a presentation made available to customers of Summit

On August 25, 2023, Summit Financial Group, Inc. (“Summit”) filed a copy of a presentation made available to employees of Summit under Rule 425 and Rule 14a-12 with the United States Securities and Exchange Commission (the “Rule 425 Filing”). The Rul

Filed by Summit Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 And deemed filed pursuant to Rule 14a-12 Under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. Commission File No.: 0-16587 Date: August 29, 2023 On August 25, 2023, Summit Financial Group, Inc. (“Summit”) filed a copy of a presentation made available to employees of Summit

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of incorporation)

FORM OF SMMF AFFILIATE AGREEMENT

EX-99.2 EXHIBIT 99.2 EXHIBIT 5.8(a) To the Agreement and Plan of Reorganization FORM OF SMMF AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia corporation (“BHRB”), SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation (“SMMF”), and the undersigned shareholder of SMMF (“Shareholder”)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of incorporation)

ir.burkeandherbertbank.com burkeandherbertbank.com Coming Together to Create an Exceptional Community Bank Customer Packet Filed by Burke & Herbert Financial Services Corp. (Commission File No. 001-41633) Pursuant to Rule 425 under the Securities Act

ir.burkeandherbertbank.com burkeandherbertbank.com Coming Together to Create an Exceptional Community Bank Customer Packet Filed by Burke & Herbert Financial Services Corp. (Commission File No. 001-41633) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. (Commission

ir.burkeandherbertbank.com burkeandherbertbank.com Coming Together to Create an Exceptional Community Bank Team Member Packet Filed by Burke & Herbert Financial Services Corp. (Commission File No. 001-41633) Pursuant to Rule 425 under the Securities

ir.burkeandherbertbank.com burkeandherbertbank.com Coming Together to Create an Exceptional Community Bank Team Member Packet Filed by Burke & Herbert Financial Services Corp. (Commission File No. 001-41633) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. (Commissi

Filed by Summit Financial Group, Inc.

425 Filed by Summit Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 And deemed filed pursuant to Rule 14a-12 Under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. Commission File No.: 0-16587 Date: August 25, 2023 The following presentation was made available to employees of Summit Financial Group, Inc. Coming Together to Create an Exce

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 24, 2023 Date of Report (date of earliest event reported) Burke & Herbert Fi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 24, 2023 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization)

Exh. 5.8(b)-1 EXHIBIT 5.8(b) To the Agreement and Plan of Reorganization FORM OF BHRB AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia co

Exh. 5.8(b)-1 EXHIBIT 5.8(b) To the Agreement and Plan of Reorganization FORM OF BHRB AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia corporation (“BHRB”), SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation (“SMMF”), and the undersigned shareholder of BHRB (“Shareholder”). All c

Agreement and Plan of Reorganization, dated as of August 24, 2023, by and between Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc.

Exhibit 2.1 AGREEMENT AND PLAN OF REORGANIZATION between BURKE & HERBERT FINANCIAL SERVICES CORP. and SUMMIT FINANCIAL GROUP, INC. August 24, 2023 TABLE OF CONTENTS Page(s) ARTICLE 1 The Merger and Related Matters 1 1.1. The Merger 1 1.2. Effective Time; Closing 2 1.3. Subsidiary Merger 2 1.4. Corporate Governance and Related Matters 3 1.5. Articles of Incorporation and Bylaws of BHRB; Articles of

Filed by Summit Financial Group, Inc.

Filed by Summit Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 And deemed filed pursuant to Rule 14a-12 Under the Securities Exchange Act of 1934 Subject Company: Summit Financial Group, Inc. Commission File No.: 0-16587 Date: August 25, 2023 The following presentation was made available to customers of Summit Financial Group, Inc. Coming Together to Create an Exceptio

Ex. 5.8(a)-1 EXHIBIT 5.8(a) To the Agreement and Plan of Reorganization FORM OF SMMF AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia cor

Ex. 5.8(a)-1 EXHIBIT 5.8(a) To the Agreement and Plan of Reorganization FORM OF SMMF AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia corporation (“BHRB”), SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation (“SMMF”), and the undersigned shareholder of SMMF (“Shareholder”). All ca

Agreement and Plan of Merger, dated as of August 24, 2023, by and between Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc.*

AGREEMENT AND PLAN OF REORGANIZATION between BURKE & HERBERT FINANCIAL SERVICES CORP.

FORM OF BHRB AFFILIATE AGREEMENT

EXHIBIT 99.1 EXHIBIT 5.8(b) To the Agreement and Plan of Reorganization FORM OF BHRB AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of August 24, 2023, is by and among BURKE & HERBERT FINANCIAL SERVICES CORP., a Virginia corporation (“BHRB”), SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation (“SMMF”), and the undersigned shareholder of BHRB (“Shareholder”). All ca

Disclaimer Forward-looking Statements This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Secu

EX-99.2 Exhibit 99.2 Burke & Herbert Financial Services Corp. (Nasdaq: BHRB) Merger of Equals with Summit Financial Group, Inc. (Nasdaq: SMMF) August 24, 2023 Disclaimer Forward-looking Statements This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Merger of Equals ALEXANDRIA, Va., August 24, 2023 /PRNewswire/ ‐‐ Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Grou

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Merger of Equals ALEXANDRIA, Va., August 24, 2023 /PRNewswire/ ‐‐ Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Group, Inc. (“Summit”) (Nasdaq: SMMF) today announced they have entered into a definitive agreement under which Summit will merge with and into Burke & He

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 24, 2023 Date of Report (date of earliest event reported) Burke & Herbert Fi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 24, 2023 Date of Report (date of earliest event reported) Burke & Herbert Financial Services Corp. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization)

Burke & Herbert Financial Services Corp. (Nasdaq: BHRB) Merger of Equals with Summit Financial Group, Inc. (Nasdaq: SMMF) August 24, 2023 2 Forward-looking Statements This presentation includes "forward-looking statements" within the meaning of the P

Burke & Herbert Financial Services Corp. (Nasdaq: BHRB) Merger of Equals with Summit Financial Group, Inc. (Nasdaq: SMMF) August 24, 2023 2 Forward-looking Statements This presentation includes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of incorporation)

Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Merger of Equals

EX-99.1 Exhibit 99.1 Burke & Herbert Financial Services Corp. and Summit Financial Group, Inc. Announce Merger of Equals ALEXANDRIA, Va., August 24, 2023 /PRNewswire/ — Burke & Herbert Financial Services Corp. (“Burke & Herbert”) (Nasdaq: BHRB) and Summit Financial Group, Inc. (“Summit”) (Nasdaq: SMMF) today announced they have entered into a definitive agreement under which Summit will merge with

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Group

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Summit Financial Gr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, July 27, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS STRONG REVENUE GROWTH, IMPROVED NET INTEREST MARGIN, STRATEGIC BALANCE SHEET EXPANSION, AND EARNINGS OF $0.54 PER SHARE FOR SECOND QUARTER 2023 Strong Performance Drives Growth Strategy and Promising Outlo

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2023 Summit Financial Gro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission File

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Grou

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, April 27, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FIRST QUARTER 2023 EARNINGS OF $1.08 PER SHARE, FUELED BY CONTINUED LOAN AND DEPOSIT GROWTH, AND IMPROVED NET INTEREST MARGIN Core Deposits and Loans increased 3.0% and 2.1%, respectively, during Q1 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Summit Financial G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

FOR RELEASE 6:00 AM ET, April 3, 2023

Exhibit 99.1 FOR RELEASE 6:00 AM ET, April 3, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ACQUISITION OF PSB HOLDING CORP. AND SUBSIDIARY, PROVIDENT STATE BANK MOOREFIELD, W.Va. – April 3, 2023 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) announces completio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2023 Summit Financial Gr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission File

FOR RELEASE 6:00 AM ET, April 3, 2023

Exhibit 99.1 FOR RELEASE 6:00 AM ET, April 3, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ACQUISITION OF PSB HOLDING CORP. AND SUBSIDIARY, PROVIDENT STATE BANK MOOREFIELD, W.Va. – April 3, 2023 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) announces completio

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission File

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the app

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF REGISTRANT The following lists the subsidiaries of Summit Financial Group, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE AC

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 Commission File Number 0-16587 Summit Financial Group, Inc. (Exact name of reg

Power of Attorney

Exhibit 24 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S.

Executive Officer Management Incentive Plan for 2023

EXHIBIT 10.2 SUMMIT FINANCIAL GROUP, INC. Executive Officer Management Incentive Plan for 2023 OBJECTIVE The objective of the Executive Officer Management Incentive Plan for 2023 (“2023 MIP”) is to incent and reward select members of Summit Financial Group, Inc.’s and its subsidiaries’ (collectively hereafter, “Summit’s”) management team for their exceptional performance, while still balancing ris

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 9, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission F

Fourteenth Amendment to Amended and Restated Employment Agreement with H. Charles Maddy, III

EXHIBIT 10.1 FOURTEENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS FOURTEENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”), entered into as of the 9th day of February, 2023, by and between SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation and bank holding company (“Summit”) and H. CHARLES MADDY, III, (“Maddy”). W I T N E S S E T H: WHEREAS, on

MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-269369 MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT Dear Shareholder: On December 9, 2022, Summit Financial Group, Inc., which is referred to as Summit, and PSB Holding Corp., which is referred to as PSB, entered into a strategic business combination in which PSB will merge with and into Summit. The combined company, which will

Form of Proxy Card for PSB.

Exhibit 99.1 PSB HOLDING CORP. P.O. BOX 219 PRESTON, MD 21655-0219 SCAN TO VIEW MATERIALS & VOTE VOTE BY INTERNET—www.proxyvote.com or scan the QR Barcode above Use the Internet to transmit your voting instructions and for electronic delivery of information up until 11:59 p.m. Eastern Time the day before the cut-off date or meeting date. Have your proxy card in hand when you access the web site an

As filed with the Securities and Exchange Commission on February 3, 2023.

S-4/A Table of Contents As filed with the Securities and Exchange Commission on February 3, 2023.

February 3, 2023 Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 VIA EDGAR

February 3, 2023 Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 VIA EDGAR Re: Summit Financial Group, Inc. Registration Statement on Form S-4 (as amended) File No. 333-269369 Ladies and Gentlemen: Pursuant to Rule 461 promulgated under the Securities Act of 1933, as amended, Summit Financial Group, Inc. (the “Company”) hereby reque

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, January 26, 2023 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS RECORD Q4 2022 EPS OF $1.16 ON CONTINUED STRONG LOAN GROWTH RESULTING IN 19.5 PERCENT ANNUALIZED INCREASE IN TBVPS MOOREFIELD, WV – January 26, 2023 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Com

Calculation of Registration Fee.

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Summit Financial Group, Inc.

Consent of Piper Sandler & Co.

Exhibit 99.2 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of PSB Holding Corp. (the “Company”) as an Appendix to the Proxy Statement/Prospectus relating to the proposed merger of the Com

As filed with the Securities and Exchange Commission on January 23, 2023.

Table of Contents As filed with the Securities and Exchange Commission on January 23, 2023.

This pro forma financial impact presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about

Exhibit 99.4 This pro forma financial impact presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about (i) the benefits of a merger between PSB Holding Corp. (“PSB”) and Summit Financial Group, Inc. (“Summit”), including future financial and operatin

FOR RELEASE 8:30 AM ET, December 12, 2022

Exhibit 99.3 FOR RELEASE 8:30 AM ET, December 12, 2022 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE PSB HOLDING CORP. AND ITS BANK SUBSIDIARY, PROVIDENT STATE BANK, INC. 100% Stock-for-Stock Deal with an Aggregate Transaction Value of $53.9 Million MOOREFIELD, W.Va. AND PRESTON, Md. ? December 12, 2022 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (?Summit?) (NASDAQ: SMMF) and PSB Holding Corp. (?PSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 9, 2022 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 9, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission F

FOR RELEASE 8:30 AM ET, December 12, 2022

Exhibit 99.3 FOR RELEASE 8:30 AM ET, December 12, 2022 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE PSB HOLDING CORP. AND ITS BANK SUBSIDIARY, PROVIDENT STATE BANK, INC. 100% Stock-for-Stock Deal with an Aggregate Transaction Value of $53.9 Million MOOREFIELD, W.Va. AND PRESTON, Md. – December 12, 2022 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) and PSB Holding Corp. (“PSB

Agreement and Plan of Merger, dated as of December 9, 2022, by and between Summit Financial Group, Inc. and PSB Holding Corp. (included as Appendix A to the prospectus and proxy statement) and incorporated herein by reference (listed disclosure schedules have been omitted pursuant to Regulation S-K Item 601(b)(2). Summit agrees to furnish a supplemental copy of such schedules upon request of the SEC).

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between SUMMIT FINANCIAL GROUP, INC. and PSB HOLDING CORP. Dated as of December 9, 2022 TABLE OF CONTENTS Page Article I THE MERGERS 2 Section 1.1. Merger 2 Section 1.2. Effective Time of the Merger 2 Section 1.3. Closing 2 Section 1.4. Effects of the Merger 3 Section 1.5. Governing Documents of Surviving Entity 3 Section 1.6. Directors and Officers

Agreement and Plan of Merger, dated as of December 9, 2022, by and between Summit Financial Group, Inc. and PSB Holding Corp.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between SUMMIT FINANCIAL GROUP, INC. and PSB HOLDING CORP. Dated as of December 9, 2022 TABLE OF CONTENTS Page Article I THE MERGERS 2 Section 1.1. Merger 2 Section 1.2. Effective Time of the Merger 2 Section 1.3. Closing 2 Section 1.4. Effects of the Merger 3 Section 1.5. Governing Documents of Surviving Entity 3 Section 1.6. Directors and Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 9, 2022 Summit Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 9, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission F

This pro forma financial impact presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about

Exhibit 99.4 This pro forma financial impact presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about (i) the benefits of a merger between PSB Holding Corp. (?PSB?) and Summit Financial Group, Inc. (?Summit?), including future financial and operatin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

For the Quarter Ended

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, October 27, 2022 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS THIRD QUARTER 2022 EPS OF $1.11 ON CONTINUED STRONG LOAN AND REVENUE GROWTH MOOREFIELD, WV ? October 27, 2022 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company? or ?Summit?) (NASDAQ: SMMF) today

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Group

SUMMIT FINANCIAL GROUP, INC. (NASDAQ: SMMF) Quarterly Performance Summary (unaudited) -- Q2 2022 vs Q2 2021 For the Quarter Ended Percent Dollars in thousands 6/30/2022 6/30/2021 Change Statements of Income Interest income Loans, including fees $ 32,

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, July 28, 2022 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS SECOND QUARTER 2022 EPS OF $0.92 ON REVENUE AND LOAN GROWTH MOOREFIELD, WV ? July 28, 2022 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company? or ?Summit?) (NASDAQ: SMMF) today reported financial re

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Numb

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Grou

SUMMIT FINANCIAL GROUP, INC. (NASDAQ: SMMF) Quarterly Performance Summary (unaudited) -- Q1 2022 vs Q1 2021 For the Quarter Ended Percent Dollars in thousands 3/31/2022 3/31/2021 Change Statements of Income Interest income Loans, including fees $ 30,

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, April 28, 2022 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FIRST QUARTER 2022 EPS OF $0.90 ON ANNUALIZED DOUBLE-DIGIT LOAN GROWTH AND RECORD NET INTEREST INCOME MOOREFIELD, WV ? April 28, 2022 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company? or ?Summit?

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant o Check the appropriate box: r Preliminary Proxy Statement r Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission File Number 0-16587 Summit F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission File Number 0-16587 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation or organizatio

Power of Attorney

Exhibit 24 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S.

Board Attendance and Compensation Policy, as amended

EXHIBIT 10.1 SUMMIT FINANCIAL GROUP, INC. BOARD ATTENDANCE AND COMPENSATION POLICY Compensation & Nominating Committee Approval: 02/15/2022 Holding Company Board Approval: 02/24/2022 1. PURPOSE AND CONTENTS General This section outlines the Summit Financial Group and its subsidiaries Board Attendance and Compensation Policy, formalized by the Board of Directors of Summit Financial Group, Inc. on t

Amended and Restated By-laws of Summit Financial Group, Inc.

Exhibit 3.1 BY-LAWS OF SUMMIT FINANCIAL GROUP, INC. Article I. Offices The principal office of the corporation shall be located at 300 N. Main Street, the City of Moorefield, County of Hardy, and the State of West Virginia 26836. The corporation may have such other offices, either within or without the State of West Virginia, as the board of directors may designate or as the business of the corpor

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 24, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Executive Officer Management Incentive Plan 202

EXHIBIT 10.2 SUMMIT FINANCIAL GROUP, INC. Executive Officer Management Incentive Plan for 2022 OBJECTIVE The objective of the Executive Officer Management Incentive Plan for 2022 (?2022 MIP?) is to incent and reward select members of Summit Financial Group, Inc.?s and its subsidiaries? (collectively hereafter, ?Summit?s?) management team for their exceptional performance, while still balancing ris

Thirteenth Amendment to Amended and Restated Employment Agreement with H. Charles Maddy, III

EXHIBIT 10.1 THIRTEENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS THIRTEENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this ?Agreement?), entered into as of the 15th day of February, 2022, by and between SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation and bank holding company (?Summit?) and H. CHARLES MADDY, III, (?Maddy?). W I T N E S S E T H: WHEREAS, on

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

OFFER TO EXCHANGE Up to $75,000,000 aggregate principal amount of 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.25% Fixed-to-Floating Rat

Table of Contents Filed pursuant to Rule 424(b)(3) Registration No. 333-262451 PROSPECTUS OFFER TO EXCHANGE Up to $75,000,000 aggregate principal amount of 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 The exchange offer will expire

SUMMIT FINANCIAL GROUP, INC. 300 North Main Street Moorefield, West Virginia 26836 February 9, 2022

SUMMIT FINANCIAL GROUP, INC. 300 North Main Street Moorefield, West Virginia 26836 February 9, 2022 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: Eric Envall Re: Summit Financial Group, Inc. Amendment No. 1 to Registration Statement on Form S-4 Filed on February 11, 2022 File No. 333-262451 Ladies and Gentlemen: Pu

As filed with the Securities and Exchange Commission on February 9, 2022.

Table of Contents As filed with the Securities and Exchange Commission on February 9, 2022.

Form of Letter of Transmittal relating to the 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031

EXHIBIT 99.1 SUMMIT FINANCIAL GROUP, INC. LETTER OF TRANSMITTAL To Tender for Exchange 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 Accredited Investor CUSIP / ISIN#: 86606G AD3 / US86606GAD34 and QIB CUSIP / ISIN: 86606G AC5 / US86606GAC50 (the ?Old Notes?) for 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 (the ?Sec

Power of Attorney (included on signature page to this registration statement)

Table of Contents As filed with the Securities and Exchange Commission on February 1, 2022.

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., with respect to the Indenture, dated as of November 16, 2021, between the Registrant and UMB Bank, N.A., as trustee, relating to the 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ? Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 44-0201230 I.R.S. Em

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Summit Financial Group, Inc.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

SUMMIT FINANCIAL GROUP, INC. (NASDAQ: SMMF) Quarterly Performance Summary (unaudited) -- Q4 2021 vs Q4 2020 For the Quarter Ended Percent Dollars in thousands 12/31/2021 12/31/2020 Change Statements of Income Interest income Loans, including fees $ 2

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, January 27, 2022 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FOURTH QUARTER 2021 EPS OF $0.95 ON CONTINUED LOAN GROWTH AND RECORD NET INTEREST INCOME, TOTAL REVENUE AND NET INCOME MOOREFIELD, WV ? January 27, 2022 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (

SMMF / Summit Financial Group, Inc. / Castle Creek Capital Partners V, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2135003d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* SUMMIT FINANCIAL GROUP, INC. (Name of Issuer) Common Stock, par value $2.50 per share (Title of Class of Securities) 86606G101 (CUSIP Number) Castle Creek Capital Partners V, LP 11682 El Camino Real, Suite 320 Sa

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 18, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Form of Registration Rights Agreement, dated as of November 16, 2021, by and between the Registrant and the several Purchasers (incorporated herein by reference to Exhibit 10.2 to the Registrant’s Current Report on Form 8-K filed on November 17, 2021).

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (the ?Agreement?) is dated as of November 16, 2021 and is made by and among Summit Financial Group, Inc., a West Virginia corporation and registered bank holding company (the ?Company?), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as

Indenture, dated as of November 16, 2021, by and between Summit Financial Group, Inc. and UMB Bank, N.A., as Trustee Indenture, dated as of November 16, 2021, by and between Summit Financial Group, Inc. and UMB Bank, N.A., as Trustee

Exhibit 4.1 SUMMIT FINANCIAL GROUP, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of November 16, 2021 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions 11 Section 1.03 Form of Documents Delivered to Trustee. 12 Sectio

2

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP ANNOUNCES COMPLETION OF $75.0 MILLION ISSUANCE OF SUBORDINATED DEBT MOOREFIELD, WV ? November 16, 2021 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company? or ?Summit?) (NASDAQ: SMMF) today announced the completion of a pri

Confidential Subordinated Debt Offering November 2021 Confidential Disclaimer The inf ormation contained in this confidential presentation is a summary and it is not complete. It has been prepared f or use only in connection with the priv ate placeme

Confidential Subordinated Debt Offering November 2021 Confidential Disclaimer The inf ormation contained in this confidential presentation is a summary and it is not complete.

Form of Subordinated Note Purchase Agreement, dated as of November 16, 2021, by and among Summit Financial Group, Inc. and the Purchasers

Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of November 16, 2021, and is made by and among Summit Financial Group, Inc., a West Virginia corporation and registered bank holding company (the ?Company?), and the several purchasers of the Subordinated Notes identified on the signature pages hereto (each a ?Purchaser? and c

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial

Loan Balances Modified Due to COVID-19 as of 9/30/2021 Dollars in thousands Total Loan Balance as of 9/30/2021 Loans Modified to Interest Only Payments Loans Modified to Payment Deferral Total Loans Modified Percentage of Loans Modified Hospitality I

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, October 28, 2021 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS HIGHER THIRD QUARTER 2021 DILUTED EPS OF $0.92 ON GROWTH IN COMMERCIAL AND TOTAL LOANS, INCREASED REVENUE, FURTHER ASSET QUALITY IMPROVEMENT AND EXPENSE DISCIPLINE MOOREFIELD, WV ? October 28, 2021 (GLO

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Group

Loan Balances Modified Due to COVID-19 as of 6/30/2021 Dollars in thousands Total Loan Balance as of 6/30/2021 Loans Modified to Interest Only Payments Loans Modified to Payment Deferral Total Loans Modified Percentage of Loans Modified Hospitality I

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, July 29, 2021 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS SECOND QUARTER 2021 EPS OF $0.80, GROWTH IN LOANS AND REVENUE, AND LOWER CREDIT COSTS MOOREFIELD, WV ? July 29, 2021 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company? or ?Summit?) (NASDAQ: SMMF) t

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

Form of Summit Financial Group, Inc. 2014 Long-Term Incentive Plan Stock-Settled Stock Appreciation Rights Agreement 2021 award

EXHIBIT 10.2 NOTICE OF STOCK-SETTLED STOCK APPRECIATION RIGHTS GRANT Participant: Notice: You have been granted the following stock-settled stock appreciation rights (the ?SARs?) in accordance with the terms of the Summit Financial Group, Inc. 2014 Long-Term Incentive Plan (the ?Plan?) and the Stock-Settled Stock Appreciation Right Agreement (the ?Agreement?) attached hereto. Type of Award: Stock

Form of Supplemental Executive Retirement Plan

Exhibit 10.1 SUMMIT COMMUNITY BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN This Summit Community Bank Supplemental Executive Retirement Plan (?Plan?) is adopted as of this day , 2021 (the ?Effective Date?), by Summit Community Bank, a bank organized and existing under the laws of the State of West Virginia (the ?Company?), for the benefit of [H. Charles Maddy III/Scott C. Jennings/Robert S. Tissue,

Changes in Control of Registrant, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 15, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

Regulation FD Disclosure, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 10, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

FOR RELEASE 6:00 AM ET, July 12, 2021

Exhibit 99.1 FOR RELEASE 6:00 AM ET, July 12, 2021 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT COMMUNITY BANK INC. COMPLETES ITS ACQUISITION OF FOUR SOUTHERN WV BRANCH BANKING CENTERS (MOOREFIELD, W.Va.) July 12, 2021 (GLOBAL NEWSWIRE) - Summit Financial Group, Inc. (?Summit?) (NASDAQ: SMMF) today reported that its wholly-

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Numb

As filed with the Securities and Exchange Commission on May 14, 2021

As filed with the Securities and Exchange Commission on May 14, 2021 Registration No.

May 14, 2021

May 14, 2021 Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Summit Financial Group, Inc. Registration Statement on Form S-3 File No. 333-255715 Ladies and Gentlemen: Summit Financial Group, Inc. (the ?Company?) hereby requests that the effective date of the above-referenced Registration Statement on Form S-3 under the Securitie

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Grou

Powers of Attorney

As filed with the Securities and Exchange Commission on May 3, 2021 Registration No.

Form of Subordinated Indenture

Exhibit 4.6 SUMMIT FINANCIAL GROUP, INC. AS ISSUER, AND [], AS TRUSTEE, SUBORDINATED INDENTURE DATED AS OF [, ] SUBORDINATED DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of , 2021. SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) No

Form of Senior Indenture

Exhibit 4.4 SUMMIT FINANCIAL GROUP, INC. AS ISSUER, AND [], AS TRUSTEE, SENIOR INDENTURE DATED AS OF [, ] SENIOR DEBT SECURITIES CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of , 2021. SECTION OF Trust Indenture Act SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) Not applicable

(iv) Amended and Restated Articles of Amendment 2021

Exhibit 3.1 AMENDED AND RESTATED ARTICLES OF AMENDMENT OF SUMMIT FINANCIAL GROUP, INC. a West Virginia Corporation In accordance with ? 31D-10-1006 of the Code of West Virginia, the undersigned corporation adopts the following Articles of Amendment to its Articles of Incorporation: FIRST: The name of the corporation is Summit Financial Group, Inc. (the ?Corporation?). SECOND: The following amendme

Amended and Restated Articles of Incorporation of Summit Financial Group, Inc. as in effect on the date hereof (incorporated by reference to Exhibit 3.2 to Summit’s Current Report on Form 8-K filed April 30, 2021).

EX-3.2 3 exhibit32amendedandrestate.htm EX-3.2 Exhibit 3.2 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF SUMMIT FINANCIAL GROUP, INC. Pursuant to the provisions of Section 1007, Article 10, Chapter 31D of the Code of West Virginia, as amended, the undersigned Corporation hereby adopts the following Amended and Restated Articles of Incorporation: I. The undersigned agrees to become a corporatio

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

Purchase and Assumption Agreement dated April 22, 2021 by and between Summit Community Bank Inc. and MVB Bank, Inc.

EX-2.1 2 exhibit2120210422.htm EX-2.1 Exhibit 2.1 PURCHASE AND ASSUMPTION AGREEMENT dated as of April 22, 2021 between MVB BANK, INC. and SUMMIT COMMUNITY BANK, INC. TABLE OF CONTENTS Page ARTICLE 1 CERTAIN DEFINITIONS 1.1 Certain Definitions 1 1.2 Accounting Terms 10 ARTICLE 2 THE P&A TRANSACTION 2.1 Purchase and Sale of Assets 11 2.2 Assumption of Liabilities 11 2.3 Purchase Price 12 2.4 Assumpt

MVB Bank to Sell Four Banking Centers to Summit Community Bank

EX-99.2 4 exhibit992.htm EX-99.2 Exhibit 99.2 NEWS RELEASE MEDIA CONTACTS Amy Baker Vice President, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 Robert S. Tissue Executive Vice President and CFO Summit Financial Group, Inc. [email protected] (304) 530-0552 MVB Bank to Sell Four Banking Centers to Summit Community Bank (FAIRMONT, W.Va.) April 23, 2021 – M

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

Loan Balances Modified Due to COVID-19 as of 3/31/2021 Dollars in thousands Total Loan Balance as of 3/31/2021 Loans Modified to Interest Only Payments Loans Modified to Payment Deferral Total Loans Modified Percentage of Loans Modified Hospitality I

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, April 22, 2021 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS RECORD QUARTERLY EPS AND NET INCOME Q1 2021 Diluted EPS $0.80 compared to $0.79 for Q4 2020 and $0.35 for Q1 2020 MOOREFIELD, WV ? April 22, 2021 (GLOBE NEWSWIRE) ? Summit Financial Group, Inc. (?Company?

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 15, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

Articles of Amendment to Articles of Incorp

EX-3.1 2 exhibit31.htm EX-3.1 Exhibit 3.1 ARTICLES OF AMENDMENT OF SUMMIT FINANCIAL GROUP, INC. a West Virginia Corporation In accordance with § 31D-10-1006 of the Code of West Virginia, the undersigned corporation adopts the following Articles of Amendment to its Articles of Incorporation: FIRST: The name of the corporation is Summit Financial Group, Inc. (the “Corporation”). SECOND: The followin

proxy statement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant o Check the appropriate box: r Preliminary Proxy Statement r Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

Board Attendance and Compensation Policy, as amended

Subject: Board Attendance and Compensation Policy February 25, 2021 Exhibit 10.1 SUMMIT FINANCIAL GROUP, INC. BOARD ATTENDANCE AND COMPENSATION POLICY Compensation & Nominating Committee Approval: 02/11/2021 Holding Company Board Approval: 02/25/2021 1.PURPOSE AND CONTENTS General This section outlines the Summit Financial Group and its subsidiaries Board Attendance and Compensation Policy, formal

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 Commission File Number 0-16587 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation or organizatio

Power of Attorney

Exhibit 24 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Twelfth Amendment to Amended and Restated Employment Agreement with H. Charles Maddy, III

EX-10.1 2 exhibit10120210211.htm EX-10.1 EXHIBIT 10.1 TWELFTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS TWELFTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”), entered into as of the 11th day of February, 2021, by and between SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation and bank holding company (“Summit”) and H. CHARLES MADDY, III, (“Maddy”

xecutive Officer Management Incentive Plan for 2021

EX-10.2 3 exhibit10220210211.htm EX-10.2 EXHIBIT 10.2 SUMMIT FINANCIAL GROUP, INC. Executive Officer Management Incentive Plan for 2021 OBJECTIVE The objective of the Executive Officer Management Incentive Plan for 2021 (“2021 MIP”) is to incent and reward select members of Summit Financial Group, Inc.’s and its subsidiaries’ (collectively hereafter, “Summit’s”) management team for their exception

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2021 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Loan Balances Modified Due to COVID-19 as of 12/31/20 Dollars in thousands Total Loan Balance as of 12/31/20 Loans Modified to Interest Only Payments Loans Modified to Payment Deferral Total Loans Modified Percentage of Loans Modified Hospitality Ind

EX-99 2 exhibit99earnings4thquarte.htm EX-99 EXHIBIT 99 FOR RELEASE 6:00 AM ET, February 1, 2021 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS RECORD QUARTERLY EPS AND NET INCOME Q4 2020 Diluted EPS $0.79 compared to $0.74 for Q3 2020 and $0.65 for Q4 2019 MOOREFIELD, WV – February 1, 2021 (GLOBE NEWS

Merger Prospectus - 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

FOR RELEASE 6:00 AM ET, December 15, 2020

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, December 15, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ACQUISITION OF WINFIRST FINANCIAL CORP. AND SUBSIDIARY, WINFIRST BANK MOOREFIELD, WV – December 15, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) announces comp

FOR RELEASE 6:00 AM ET, December 15, 2020

EXHIBIT 99.1 FOR RELEASE 6:00 AM ET, December 15, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ACQUISITION OF WINFIRST FINANCIAL CORP. AND SUBSIDIARY, WINFIRST BANK MOOREFIELD, WV – December 15, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) announces comp

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

Loan Balances Modified Due to COVID-19 as of 9/30/20 Dollars in thousands Total Loan Balance as of 9/30/20 Loans Modified to Interest Only Payments Loans Modified to Payment Deferral Total Loans Modified Percentage of Loans Modified Hospitality Indus

EXHIBIT 99 FOR RELEASE 6:00 AM ET, October 22, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS 37% INCREASE IN Q3 2020 EPS VERSUS Q2 2020 Q3 2020 Diluted EPS $0.74 compared to $0.54 for Q2 2020 and $0.65 for Q3 2019 MOOREFIELD, WV – October 22, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (

Agreement and Plan of Merger dated as of September 28, 2020, by and among Summit Community Bank, Inc., SMMF Thoroughbred Opportunities, Inc. and WinFirst Financial Corp.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among SUMMIT COMMUNITY BANK, INC., SMMF THOROUGHBRED OPPORTUNITIES, Inc. and WINFIRST FINANCIAL CORP. Dated as of September28, 2020 TABLE OF CONTENTS Page Article I THE MERGER 1 Section 1.1. Merger 1 Section 1.2. Effective Time of the Merger 2 Section 1.3. Closing 2 Section 1.4. Effects of the Merger 2 Section 1.5. Governing Documents of Surviving En

Presentation of Pro Forma Financial Impact, dated September 28, 2020, issued by the Company.

FOR RELEASE 4:30 PM ET, September 28, 2020

Exhibit 99.3 FOR RELEASE 4:30 PM ET, September 28, 2020 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE WINFIRST FINANCIAL CORP. AND SUBSIDIARY, WINFIRST BANK 100% Cash Consideration; Summit Enters Kentucky Market MOOREFIELD, WV AND WINCHESTER, KY – September 28, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) and WinFirst Financial Corp. (“WinFirst”) announced the signing o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2020 Summit Financi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

FOR RELEASE 4:30 PM ET, September 28, 2020

Exhibit 99.3 FOR RELEASE 4:30 PM ET, September 28, 2020 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE WINFIRST FINANCIAL CORP. AND SUBSIDIARY, WINFIRST BANK 100% Cash Consideration; Summit Enters Kentucky Market MOOREFIELD, WV AND WINCHESTER, KY – September 28, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) and WinFirst Financial Corp. (“WinFirst”) announced the signing o

Merger Prospectus - 425

425 1 summitfinancialgroupinc8k2.htm 425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State

Presentation of Pro Forma Financial Impact, dated September 28, 2020, issued by the Company.

EX-99.4 4 exhibit994.htm EX-99.4

Agreement and Plan of Merger dated as of September 28, 2020 by and between Summit Community Bank, Inc. SMMF Thoroughbred Opportunities, Inc. and WinFirst Financial Corp.

EX-2.1 2 exhibit21.htm EX-2.1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among SUMMIT COMMUNITY BANK, INC., SMMF THOROUGHBRED OPPORTUNITIES, Inc. and WINFIRST FINANCIAL CORP. Dated as of September28, 2020 TABLE OF CONTENTS Page Article I THE MERGER 1 Section 1.1. Merger 1 Section 1.2. Effective Time of the Merger 2 Section 1.3. Closing 2 Section 1.4. Effects of the Merger 2 Section 1.5. Gover

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 22, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

Robert S. Tissue, Executive Vice President & CFO

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP ANNOUNCES COMPLETION OF $30.0 MILLION ISSUANCE OF SUBORDINATED DEBT MOOREFIELD, WV – September 23, 2020 (GLOBE NEWSWIRE) – Summit Financial Group, Inc. (“Company” or “Summit”) (NASDAQ: SMMF) today announced the completion of a pr

Form of 5.00% Fixed-to-Floating Rate Subordinated Notes due 2030 (included as Exhibit A to the Form of Subordinated Note Purchase Agreement dated as of September 22, 2020, by and between Summit Financial Group, Inc. and each of the Purchasers)

EX-10.1 2 exhibit101.htm EX-10.1 EXHIBIT 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of September 22, 2020, and is made by and between Summit Financial Group, Inc., a West Virginia corporation (the “Company”), and the purchaser of the Subordinated Note (as defined herein) identified on the signature page hereto (the “Purchaser”

Investor Presentation, dated September 8, 2020, of Summit Financial Group, Inc.

Exhibit 99.2

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Group

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Num

Loan Balances Modified Due to COVID-19 through 6/30/2020 Dollars in thousands Total Loan Balance as of 6/30/2020 Loans Modified to Interest Only Payments (6 Months or Less) Loans Modified to Payment Deferral (3 Months) Total Loans Modified Percentage

EXHIBIT 99 FOR RELEASE 6:00 AM ET, July 30, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS SECOND QUARTER AND FIRST HALF 2020 RESULTS Q2 2020 Diluted EPS $0.54 compared to $0.35 for Q1 2020 and $0.68 for Q2 2019 MOOREFIELD, WV - July 30, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Compa

Form of Supplemental Executive Retirement Plan by Summit Community Bank for the benefit of H. Charles Maddy, III and Scott C. Jennings.

Exhibit 10.1 SUMMIT COMMUNITY BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN This Summit Community Bank Supplemental Executive Retirement Plan (“Plan”) is adopted as of this day , 2020 (the “Effective Date”), by Summit Community Bank, a bank organized and existing under the laws of the State of West Virginia (the “Company”), for the benefit of [H. Charles Maddy III/Scott C. Jennings] (the “Executive”

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No.2) CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2020 (February 11, 2016) Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) WV 0-16587 55-0672148 (State or other jurisdic

Form of Supplemental Executive Retirement Plan by Summit Community Bank for the benefit of Robert S. Tissue, Patrick N. Frye and Bradford E. Ritchie.

Exhibit 10.2 SUMMIT COMMUNITY BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN This Summit Community Bank Supplemental Executive Retirement Plan (“Plan”) is adopted as of this day , 2020 (the “Effective Date”), by Summit Community Bank, a bank organized and existing under the laws of the State of West Virginia (the “Company”), for the benefit of [Robert S. Tissue/Patrick N. Frye/Bradford E. Ritchie] (t

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Numb

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 0-16587 Summit Financial Grou

Amendment to Purchase and Assumption Agreement by and between MVB Bank, Inc. and Summit Community Bank, Inc.

EXHIBIT 2.1 AMENDMENT TO PURCHASE AND ASSUMPTION AGREEMENT This Amendment to purchase and assumption Agreement (this “Amendment”) is effective as of April 13, 2020 by and between MVB Bank, Inc., a West Virginia banking corporation (“Seller”), and Summit Community Bank, Inc., a West Virginia banking corporation (“Purchaser”). Capitalized terms used but not defined herein have the meanings set forth

Loan Balances Modified Due to COVID-19 through 4/24/2020 Dollars in thousands Total Loan Balance as of 3/31/2020 Loans Modified to Interest Only Payments (6 Months or Less) Loans Modified to Payment Deferral (3 Months) Total Loans Modified Percentage

EXHIBIT 99 FOR RELEASE 6:00 AM ET, April 30, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FIRST QUARTER 2020 RESULTS Q1 2020 Diluted EPS $0.35 compared to $0.65 for Q4 2019 and $0.56 for Q1 2019 MOOREFIELD, WV - April 30, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Company” or “Summit

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File Nu

FOR RELEASE 5:30 PM ET, April 24, 2020

EX-99.1 2 exhibit99120200424.htm EXHIBIT 99.1 Exhibit 99.1 FOR RELEASE 5:30 PM ET, April 24, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT COMMUNITY BANK INC. COMPLETES ITS ACQUISITION OF FOUR WV EASTERN PANHANDLE BRANCH BANKING OFFICES (MOOREFIELD, W.Va.) April 24, 2020 - Summit Financial Group, Inc. (“Summit”) (NASDAQ

Regulation FD Disclosure, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

SMMF / Summit Financial Group, Inc. DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: r Preliminary Proxy Statement r Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) þ Definitive Proxy State

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 26, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia No. 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

Amended and Restated Bylaws of Summit Financial Group, Inc.

Exhibit 3.1 BY-LAWS OF SUMMIT FINANCIAL GROUP, INC. Article I. Offices The principal office of the corporation shall be located at 300 N. Main Street, the City of Moorefield, County of Hardy, and the State of West Virginia 26836. The corporation may have such other offices, either within or without the State of West Virginia, as the board of directors may designate or as the business of the corpor

Annual Report - 10-K

10-K 1 smmf-2019123110xk.htm 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 Commission File Number 0-16587 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdicti

exhibit 4.1

Exhibit 4.1 DESCRIPTION OF REGISTRANT’S SECURITIES The authorized capital stock of Summit Financial Group, Inc. consists of 20,250,000 shares, of which 20,000,000 shares are common stock, par value $2.50 per share, and 250,000 shares are preferred stock, par value $1.00 per share. As of December 31, 2019, only Summit’s common stock is registered under Section 12 of the Securities Exchange Act of 1

Power of Attorney

Exhibit 24 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S.

FOR RELEASE 8:00 AM ET, February 28, 2020

EXHIBIT 99 FOR RELEASE 8:00 AM ET, February 28, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. ANNOUNCES STOCK REPURCHASE PROGRAM OF UP TO 750,000 SHARES MOOREFIELD, WV - February 28, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF) today announces its Board of Director

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 27, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commiss

Executive Officer Management Incentive Plan 202

EXHIBIT 10.2 SUMMIT FINANCIAL GROUP, INC. Executive Officer Management Incentive Plan for 2020 OBJECTIVE The objective of the Executive Officer Management Incentive Plan for 2020 (“2020 MIP”) is to incent and reward select members of Summit Financial Group, Inc.’s and its subsidiaries’ (collectively hereafter, “Summit’s”) management team for their exceptional performance, while still balancing ris

Eleventh Amendment to Amended and Restated Employment Agreement with H. Charles Maddy, III

EX-10.1 2 exhibit101.htm EXHIBIT 10.1 Exhibit 10.1 ELEVENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS ELEVENTH AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”), entered into as of the 6th day of February, 2020, by and between SUMMIT FINANCIAL GROUP, INC., a West Virginia corporation and bank holding company (“Summit”) and H. CHARLES MADDY, III, (“Maddy”).

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A AMENDMENT NO. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 6, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 6, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commissi

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A AMENDMENT NO. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 6, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

SUMMIT FINANCIAL GROUP, INC. (NASDAQ: SMMF) Quarterly Performance Summary (unaudited) -- Q4 2019 vs Q4 2018 For the Quarter Ended Percent Dollars in thousands 12/31/2019 12/31/2018 Change Statements of Income Interest income Loans, including fees $ 2

EXHIBIT 99 FOR RELEASE 6:00 AM ET, January 24, 2020 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS FOURTH QUARTER AND FULL YEAR 2019 RESULTS Q4 2019 Diluted EPS $0.65 compared to $0.65 for Q3 2019 and $0.60 for Q4 2018 MOOREFIELD, WV - January 24, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“

SMMF / Summit Financial Group, Inc. 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 1, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commissio

FOR RELEASE 6:00 AM ET, January 2, 2020

Exhibit 99.1 FOR RELEASE 6:00 AM ET, January 2, 2020 Contact: Robert S. Tissue, Sr. Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ITS ACQUISITION OF CORNERSTONE FINANCIAL SERVICES, INC. AND SUBSIDIARY, CORNERSTONE BANK, INC. MOOREFIELD, WV - January 2, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF)

FOR RELEASE 6:00 AM ET, January 2, 2020

Exhibit 99.1 FOR RELEASE 6:00 AM ET, January 2, 2020 Contact: Robert S. Tissue, Sr. Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP, INC. COMPLETES ITS ACQUISITION OF CORNERSTONE FINANCIAL SERVICES, INC. AND SUBSIDIARY, CORNERSTONE BANK, INC. MOOREFIELD, WV - January 2, 2020 (GLOBE NEWSWIRE) - Summit Financial Group, Inc. (“Summit”) (NASDAQ: SMMF)

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 1, 2020 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commissio

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 19, 2019 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia (State or other jurisdiction of incorporation) No. 0-16587 (Commiss

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

8-K 1 summitfinancialgroupinc8k2.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2019 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State

MVB Bank to Sell Four WV Eastern Panhandle Banking Centers to Summit Community Bank

Exhibit 99.1 NEWS RELEASE MEDIA CONTACTS Amy Baker Vice President, Corporate Communications and Marketing MVB Bank [email protected] 844-682-2265 Robert S. Tissue Executive Vice President and CFO Summit Financial Group, Inc. 304-530-0552 MVB Bank to Sell Four WV Eastern Panhandle Banking Centers to Summit Community Bank (FAIRMONT, W.Va.) Nov. 22, 2019 - MVB Bank, Inc., a wholly-owned subsidiar

Purchase and Assumption Agreement dated as of November 21, 2019 by and between Summit Community Bank, Inc. and MVB Bank, Inc.

Exhibit 2.1 Execution Version PURCHASE AND ASSUMPTION AGREEMENT dated as of November 21, 2019 between MVB BANK, INC. and SUMMIT COMMUNITY BANK, INC. TABLE OF CONTENTS Page ARTICLE 1 CERTAIN DEFINITIONS 1.1 Certain Definitions 1 1.2 Accounting Terms 10 ARTICLE 2 THE P&A TRANSACTION 2.1 Purchase and Sale of Assets 10 2.2 Assumption of Liabilities 11 2.3 Purchase Price 12 2.4 Assumption of IRA and Ke

SMMF / Summit Financial Group, Inc. 10-Q - Quarterly Report - 10-Q

10-Q 1 smmf-20190930x10q.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10 – Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commissi

MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-234145 MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT Dear Shareholder: On September 17, 2019, Summit Financial Group, Inc., or Summit, and Cornerstone Financial Services, Inc., or Cornerstone, announced a strategic business combination in which Cornerstone will merge with and into CFS Merger Sub LLC, a wholly-owned subsidi

SMMF / Summit Financial Group, Inc. S-4/A - - S-4/A

S-4/A 1 d805889ds4a.htm S-4/A Table of Contents As filed with the Securities and Exchange Commission on October 24, 2019. Registration No. 333-234145 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 PRE-EFFECTIVE AMENDMENT NO. 1 TO FORM S-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 SUMMIT FINANCIAL GROUP, INC. (Exact Name of Registrant as Specified in Its Chart

Form of Proxy Card for Cornerstone.

EX-99.1 Exhibit 99.1 REVOCABLE PROXY SOLICITED BY THE BOARD OF DIRECTORS FOR THE SPECIAL MEETING OF SHAREHOLDERS OF CORNERSTONE FINANCIAL SERVICES, INC. ON DECEMBER 4, 2019 Know all men by these presents that the undersigned shareholder(s) does hereby nominate, constitute and appoint Lorraine L. Brisell and Pamela R. Stinespring, or either one of them, with full power to act alone as the true and

SUMMIT FINANCIAL GROUP, INC. (NASDAQ: SMMF) Quarterly Performance Summary (unaudited) -- Q3 2019 vs Q3 2018 For the Quarter Ended Percent Dollars in thousands 9/30/2019 9/30/2018 Change Statements of Income Interest income Loans, including fees $ 24,

EXHIBIT 99 FOR RELEASE 6:00 AM ET, October 24, 2019 Contact: Robert S. Tissue, Executive Vice President & CFO Telephone: (304) 530-0552 Email: [email protected] SUMMIT FINANCIAL GROUP REPORTS THIRD QUARTER AND FIRST NINE-MONTHS 2019 RESULTS Q3 2019 Diluted EPS $0.65 compared to $0.68 for Q2 2019 and $0.55 for Q3 2018 MOOREFIELD, WV - October 24, 2019 (GLOBE NEWSWIRE) - Summit Financial Group,

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2019 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission File

SMMF / Summit Financial Group, Inc. CORRESP - -

CORRESP SUMMIT FINANCIAL GROUP, INC. 300 North Main Street Moorefield, West Virginia (304) 530-1000 Via EDGAR October 24, 2019 Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549-4628 Attn: Donald Field Re: Summit Financial Group, Inc. Registration Statement on Form S-4 (as amended) File No. 333-234145 Ladies and Gentlemen: Pursuant to Rule

Employment Agreement dated as of September 17, 2019 by and between Lorraine L. Brisell and Summit.

EX-10.3 Exhibit 10.3 EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (“Agreement”) is made and entered into as of this 17th day of September, 2019, by and between Summit Community Bank, Inc., a West Virginia corporation (“Summit”), and Lorraine L. Brisell, an individual resident of the State of West Virginia (“Employee”) (collectively, the “Parties”). WHEREAS, Employee has considerable experience,

Powers of Attorney.*

S-4 Table of Contents As filed with the Securities and Exchange Commission on October 9, 2019.

Form of Proxy Card for Cornerstone.

EX-99.1 Exhibit 99.1 REVOCABLE PROXY SOLICITED BY THE BOARD OF DIRECTORS FOR THE SPECIAL MEETING OF SHAREHOLDERS OF CORNERSTONE FINANCIAL SERVICES, INC. ON [●], 2019 Know all men by these presents that the undersigned shareholder(s) does hereby nominate, constitute and appoint Lorraine L. Brisell and Pamela R. Stinespring, or either one of them, with full power to act alone as the true and lawful

Consent of D. A. Davidson & Co.

EX-99.2 Exhibit 99.2 October 9, 2019 Board of Directors Cornerstone Financial Services, Inc. 251 Main Street West Union, WV 26456 Members of the Board: We hereby consent to the inclusion of our opinion letter to the Board of Directors of Cornerstone Financial Services, Inc. (the “Company”) as an Appendix to the prospectus and proxy statement relating to the Company’s proposed merger with Summit Fi

Investor Presentation, dated September 17, 2019, issued by Summit Financial Group, Inc.

EX-99.4 4 exhibit994proformafinancia.htm EXHIBIT 99.4 Exhibit 99.4

Agreement and Plan of Merger dated as of September 17, 2019 by and between Summit Financial Group, Inc. and Cornerstone Financial Services, Inc.

EX-2.1 2 exhibit21agreementandplano.htm EXHIBIT 2.1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between SUMMIT FINANCIAL GROUP, INC. and CORNERSTONE FINANCIAL SERVICES, INC. Dated as of September 17, 2019 TABLE OF CONTENTS Page ARTICLE I THE MERGERS 2 Section 1.1. Merger 2 Section 1.2. Effective Time of the Merger 2 Section 1.3. Closing 2 Section 1.4. Effects of the Merger 3 Section 1.5. Gover

FOR RELEASE 6:00 PM ET, September 17, 2019

EX-99.3 3 exhibit993pressrelease.htm EXHIBIT 99.3 Exhibit 99.3 FOR RELEASE 6:00 PM ET, September 17, 2019 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE CORNERSTONE FINANCIAL SERVICES, INC. AND ITS WHOLLY-OWNED SUBSIDIARY, CORNERSTONE BANK, INC. 50% Common Stock / 50% Cash Consideration; $5,700 Per Share Cash or 228 Shares of Summit Common Stock; Aggregate Transaction Value of Approximately $28.5 Million

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 17, 2019 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

SMMF / Summit Financial Group, Inc. 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 17, 2019 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or other jurisdiction of (Commission Fil

FOR RELEASE 6:00 PM ET, September 17, 2019

Exhibit 99.3 FOR RELEASE 6:00 PM ET, September 17, 2019 SUMMIT FINANCIAL GROUP, INC. TO ACQUIRE CORNERSTONE FINANCIAL SERVICES, INC. AND ITS WHOLLY-OWNED SUBSIDIARY, CORNERSTONE BANK, INC. 50% Common Stock / 50% Cash Consideration; $5,700 Per Share Cash or 228 Shares of Summit Common Stock; Aggregate Transaction Value of Approximately $28.5 Million MOOREFIELD, WV AND WEST UNION, WV - September 17,