Premier Financial Bancorp, Inc., a multi-bank holding company, provides community banking services to individuals and small-to-medium sized businesses. The company accepts various deposit products, including checking, NOW, savings, money market, club, individual retirement, and overdraft protection accounts, as well as certificates of deposit. Its loan products include loans for purchasing personal residences or loans for commercial or consumer purposes secured by residential mortgages; financing for automobile; personal loans, such as unsecured lines of credit; commercial loans that are secured by business assets consisting of real estate, equipment, inventory, and accounts receivable; commercial real estate development loans; commercial real estate loans; and agricultural loans. The company also provides depository and funds transfer services; collections; safe deposit boxes; cash management services; and bill payment, remote deposits, and telephone banking services. As of March 5, 2017, it operated 10 banking offices in Kentucky, 3 banking offices in Ohio, 24 banking offices in West Virginia, 4 banking offices in Washington DC, 1 banking offices in Maryland, and 4 banking offices in Virginia. Premier Financial Bancorp, Inc. was founded in 1991 and is headquartered in Huntington, West Virginia.