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.

Top 10 Rules for Small Business Success…

June 24th, 2014 | Posted by admin in Small Business - (Comments Off)

By Brian Grinonneau

1. Target: You are not all things to all people. Decide on your niche–narrow your focus and broaden your appeal.

2. Be Different: If your competitors are doing it, don’t. (more…)

America’s Housing Story: One Size Does Not Fit All…

June 19th, 2014 | Posted by admin in Mortgage - (Comments Off)

By: Frank Keating, President and CEO, American Bankers Association

June is traditionally designated National Homeownership Month. This year, we’re calling it American Housing Month. Homeownership is an important part of America’s housing story — most Americans prefer it — but the percentage of Americans who own their own homes fell to 65 percent earlier this year, the lowest level since 1995. The falling rate is a reflection of Americans’ many housing choices. (more…)

By Nicole Fallon, Business News Daily Assistant Editor

Five years ago, the primary function of social media for businesses was community building. Today, the role of a company’s presence on popular social networks has evolved to include customer service, building brand awareness, and perhaps most importantly, lead generation. (more…)

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…)

What SBA Offers to Help Small Businesses Grow…

June 10th, 2014 | Posted by admin in SBA - (Comments Off)

What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. (more…)

The Columbia Festival of the Arts: 27 Years Strong…

June 5th, 2014 | Posted by admin in Events - (Comments Off)

Columbia Festival of the Arts

For the past several years Howard Bank has had the privilege of sponsoring The Columbia Festival of the Arts held at the Lakefront in Downtown Columbia.  The mission of the festival, held since 1987, is to “present a world class celebration of the arts and entertainment that attracts, engages and inspires the broad and diverse community it serves.” (more…)

5 Must-Track Metrics to Keep Your Startup Alive…

June 3rd, 2014 | Posted by admin in Small Business - (Comments Off)

By: Peter S. Cohan

Your startup survives on very precarious ground. The resources it needs to survive and grow are in much shorter supply than your ambitions.

And if you’re a visionary entrepreneur, there’s a real danger that your passion for turning that vision into a reality may cloud your vision. (more…)



As a trusted community partner it’s not only our privilege to highlight organizations in our region that are making a difference, it’s our responsibility. The success that Howard Bank enjoys is due in no small part to the quality and tenacity of its clients, partners and friends. Today we highlight one such individual and organization, Joe Posey, President of Terrapin Financial Services.


Understanding a Cash Flow Statement…

May 27th, 2014 | Posted by admin in Small Business - (Comments Off)

By: Jaceson Maughan

Understanding a cash flow statement is crucial to keeping tabs on your company’s financial well-being. A cash flow statement is an annual report that documents the financial status of the company with accurate and relevant numbers. Plenty of people take an interest in a company’s cash flow statement, (more…)

From Susan K. Bailey Advertising

A shotgun approach is useless when expanding into new markets, especially when you’re a small business with a limited budget. (more…)