Welcome to Marylandbankingblog.com

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.

This Thanksgiving: A Thank You and a Promise

November 26th, 2014 | Posted by admin in 10 Year Anniversary | Events | Howard Bank - (Comments Off)

MaryAnn Scully

On behalf of everyone at Howard Bank, I’d like to wish you and your family a very happy Thanksgiving.

Although it’s customary to focus on our blessings on this specific day, I hope all our employees and customers know just how thankful and appreciative I am for them all year round. As a quickly growing, community-centered bank with an ever-increasing presence in the central Maryland region, it’s obvious that our success is not due to any one person or initiative–the success is shared and we’re all part of it. (more…)

Want to Be a Successful Business? Focus on Your Customers

November 25th, 2014 | Posted by admin in Marketing | Small Business - (Comments Off)

By: Chad Brooks, BusinessNewsDaily Senior Writer

The difference between successful businesses and underperforming ones often lies in the way they treat their customers, new research finds.

In fact, companies that fail to focus their cultures, strategies and employees on pleasing customers are encouraging failure, according to a study from the Institute for Corporate Productivity (i4cp) and the American Management Association (AMA). (more…)

7 Popular Marketing Techniques For Small Businesses…

November 4th, 2014 | Posted by admin in Small Business - (Comments Off)

By Andrew Beattie

Before your business starts marketing a product, it helps to create an ideal customer who you want to reach with your promotional materials. Once you have your ideal customer, you have a plethora of techniques to pick from. Most of these are low cost/no cost methods (sometimes called guerrilla marketing) and you may use different ones at different stages of your business cycle, or you may utilize them all at once from your business’ inception. We’ll look at seven of these techniques in more detail. (more…)

Turning Social Influencers Into Brand Advocates…

October 28th, 2014 | Posted by admin in Small Business - (Comments Off)

By: Nicole Fallon, Business News Daily Assistant Editor

Word-of-mouth has always been one of the most effective marketing strategies a business can use. Research has shown time and time again that consumers are more receptive to messages about brands that come from the individuals’ own social circles than from the brands themselves. In the social media age, companies have the opportunity to tap into the networks of influential individuals and turn those people into powerful brand advocates. (more…)

The Year was 2004…

October 23rd, 2014 | Posted by admin in 10 Year Anniversary - (Comments Off)

This fall Howard Bank celebrates our ten-year anniversary, thanks in no small part to the fantastic community, partners and customers we’ve been fortunate enough to work with over the years. While we were busy with our grand opening a mere ten years ago here in Maryland, here’s what was happening in the rest of the world, from technology to entertainment, politics and prices.


World Events

• North Korea banned mobile phones
• 9.3 magnitude earthquake hit Pacific islands, killing 230,000 people
• Summer Olympics were held in Athens
• The Boston Red Sox won World Series for first time in 86 years


This fall marks the 10-year anniversary of Howard Bank’s founding, and to celebrate we asked Howard Bank employees to share some memories about their time here. Over the next few weeks, follow along with our 10th Anniversary Blog Series to hear from the people who have been with HB since the very beginning.

This week, we hear from… (more…)

How to Celebrate 10 Years? With Wine and Cheese of Course!

October 7th, 2014 | Posted by admin in Uncategorized - (Comments Off)

What better way to say thank you to our customers and friends than to celebrate our success with a little wine and cheese? Howard Bank, as part of our 10-year anniversary celebration, recently hosted a wine and cheese event at each of our branches to toast our shared success. Click the link to our Facebook album for our pictures from all our fabulous events! Facebook Album.

5 Tax Changes Small Business Owners Need To Prepare For

September 30th, 2014 | Posted by admin in Small Business - (Comments Off)

by Nicole Fallon, Business News Daily Assistant Editor

Though it still may be barbecue and beach season, the end of 2014 will be here before you know it. For consumers, this means holiday shopping and New Year’s resolutions. But for business owners, it also means getting financial ducks in a row in preparation for the upcoming tax season.

There are many new and pending changes for the upcoming tax season, and some of them will be particularly important for small businesses. Based on conversations with tax experts, here are a few upcoming issues you may want to speak with your financial adviser about as you look toward year-end tax planning. (more…)

Credit Scores vs. Credit Reports…

September 18th, 2014 | Posted by admin in Mortgage - (Comments Off)

The advice from most mortgage professionals to first-time home buyers is to begin sprucing up their credit at least six months before applying for a loan. Credit scores and credit reports are readily available for purchase online, but figuring out which is most accurate can be daunting. (more…)

Ideas For Growing Your Business…

September 16th, 2014 | Posted by admin in Marketing | Small Business - (Comments Off)

For those of you who have already successfully started a business and are ready to take the next step, you may be wondering what you can do to help your business grow. There are many ways to do this, 10 of which are outlined below. Choosing the proper one (or ones) for your business will depend on the type of business you own, your available resources, and how much money, time and resources you’re willing to invest all over again. If you’re ready to grow, take a look at these tips. (more…)