Premier Financial Bancorp, Inc. (NASDAQ: PFC) is a bank holding company headquartered in Lima, Ohio, operating through its subsidiary, Premier Bank. The company provides a broad array of commercial and consumer banking services to individuals, small- and mid-sized businesses, and nonprofit organizations primarily in western Ohio and eastern Indiana. Its full-service branch network and digital banking platforms enable customers to access traditional deposit accounts, lending solutions, and wealth management offerings across urban and rural communities.
Premier Bank’s product mix includes demand and savings deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. On the lending side, the company extends commercial and industrial loans, commercial real estate financing, agricultural loans, and consumer mortgage products. Treasury management services, online and mobile banking, merchant credit card processing, and automated clearinghouse (ACH) options complement the core deposit and loan portfolio, allowing clients to streamline cash flow and payment processing.
Tracing its roots to the late 19th century, Premier Financial’s legacy began with community-oriented banking in northwest Ohio. The holding company was established in 2003 and subsequently converted to a fully public stock company, enabling greater capital flexibility and growth through both organic expansion and strategic acquisitions. Over the years, Premier has reinforced its regional presence by opening new branches, upgrading digital infrastructure, and integrating acquired institutions, while maintaining a focus on personalized service and local decision-making.
Premier Financial is guided by a seasoned executive leadership team and a board of directors with deep experience in banking, finance, and community development. The company emphasizes strong corporate governance, prudent risk management, and active engagement in local economic initiatives. Through partnerships with civic organizations and philanthropic efforts, Premier seeks to support small business growth, affordable housing projects, and workforce development across the markets it serves.
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