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Howard Bank created Marylandbankingblog.com with the small business in mind. It is another way Howard Bank offers the Hands On approach to banking. If there is a specific topic you would like us to write about, email us at HBOnline@howardbank.com with your topic idea.

Howard Bank: 10 Years Strong…

August 8th, 2014 | Posted by Mary Ann Scully in 10 Year Anniversary | Howard Bank - (Comments Off)

Howard Bank

MaryAnn ScullyIt was about ten years ago to the day that Howard Bank first opened its doors at the Snowden River and Hickory Ridge branches here in Columbia.

I clearly remember that day (August 9th to be exact). After a full year of preparation- raising capital, talking to regulators, signing office leases and hiring colleagues , to see customers enter our branches, drive up to our ATM’s, and to discuss with clients when we could book their new loans was the type of nail biting yet exhilarating moment that all business founders understand. I look back on it with awe and pride having seen what Howard Bank has become today.
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Ellicott City, MD, July 17, 2014 –Howard Bancorp, Inc. (Nasdaq: HBMD), the parent company of Howard Bank (the “Bank”), today reported its financial results for the three month and six month periods ended June 30, 2014.

Highlights for the three and six month periods ended June 30, 2014 were as follows: (more…)

Infographic: There’s Something About Harford

July 3rd, 2014 | Posted by admin in Howard Bank - (Comments Off)

As we celebrate the opening of our new branch in Bel Air (and look forward to a third Harford County branch later in the year) we thought it fitting to pay tribute to Harford County with an infographic detailing some interesting facts, stats, and historical points about this great county. Please enjoy and share the infographic below entitled, “There’s Something About Harford.” If you’d like to embed it on your website or blog simply copy the code at the bottom of this post.  (more…)

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By Joshua Kennon


Certificates of deposit and money market funds are popular choices for investors in the United States because each offers a unique set of advantages, terms, yields, pricing, conditions, and restrictions.  Depending on circumstances, resources, and your own investment portfolio preferences (more…)

How To: Choose and Open a Personal Savings Account…

May 8th, 2014 | Posted by admin in Howard Bank | Savings - (Comments Off)

If you are working toward saving money, one of the savings vehicles you may want to consider is a savings account. Savings accounts usually pay interest (although a relatively small amount) on the account, and your savings is generally protected by FDIC insurance. (more…)

Are You Ready to Meet Howard…

March 26th, 2014 | Posted by Mary Ann Scully in Howard Bank - (Comments Off)

Meet Howard_ADG picture

MaryAnn Scully

As a long-time Maryland resident, with over 30 years of experience in the banking and finance sector, I have experienced the good, the bad, and the ugly when it comes to banking in the region. This background is what gives me the needed perspective to help lead and shape Howard Bank into what it is today. I am excited to be a part of not only the future of banking in this great state, but of Howard Bank’s legacy.

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SBA Loans: 8 Common Myths…

March 21st, 2014 | Posted by Rosa Scharf in Howard Bank | SBA - (Comments Off)

Need an SBA loan? “You’ll be filling out forms forever.” “It’ll take them years to approve your loan.” Those are just two of the widely spread, but totally untrue myths about the SBA small business loan programs.

The Small Business Administration (SBA) offers numerous programs to assist entrepreneurs with starting, managing and growing their businesses. Thousands of American businesses are turning to this resource because financing remains a formidable challenge. However, many misconceptions exist about these (more…)

eNewsletter from Howard Bank CEO, Mary Ann Scully

August 29th, 2012 | Posted by Mary Ann Scully in Howard Bank - (Comments Off)

In future enewsletters, we may talk about the state of community banking and the slope of our economic recovery and the white waters ahead for certain central Maryland industries. But those topics, we are fairly confident, will still be there in the weeks and months ahead. This month, we want to launch our enewsletter by taking advantage of something that only happens every four years.

Many of us have just finished long late evenings filled with vicarious living as we watched the 2012 Summer Olympics – albeit on a time delayed basis. We know that the Olympics have been around and have honored (more…)

Banks are still lending when the story is right

March 30th, 2011 | Posted by Rosa Scharf in Howard Bank - (Comments Off)

Traditionally, Banks have been supportive partners for their customers because they help business owners grow their businesses. One example of this support is when Banks provide businesses with the funds needed to support working capital and buy assets.  In today’s tenuous economy, it has become quite clear that securing financing can be a challenge. For many, it may feel as though going through the loan process may not even be worth it.  The combination (more…)

Sources of Financing – You are in control

March 16th, 2011 | Posted by Mary Ann Scully in Howard Bank - (Comments Off)

Financing small and medium sized enterprises (SME’s) has become a very popular topic- right up there on some days with health care reform and Wikipedia leaks.  But not unlike all the CNN vs. Fox debates, blogs, Facebook postings and Tweets on the pros and cons of whether inflation or deflation will hurt our children’s future more and whether short term stimulus deficit spending is better or worse than long term entitlement hole plugging, there is much sound and (more…)