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.

Smart Banking And Savings Basics

July 10th, 2014 | Posted by admin in Financial Planning | Savings - (Comments Off)

It’s all about saving the money you earn by banking smart, and using your banking for financial growth.

1. Money in a bank account is safe.

A bank is one of the safest places to stash your cash. In the wake of the financial crisis of 2008, the federal government increased the level of insurance on bank accounts — it’s now $250,000 per depositor.

2. You pay for the convenience of a bank account. (more…)

How to Get a Small Business Loan…

July 8th, 2014 | Posted by admin in SBA | Small Business - (Comments Off)

By: Jim Malloy

There is nothing quite so exciting to an entrepreneur as starting a new business venture or expanding an existing one. Following your passion and knowing that the success or failure of your business is on your shoulders alone is a great way to start each and every day. (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…)

Embed This Image On Your Site (copy code below):

Sales Strategy…

July 1st, 2014 | Posted by admin in Small Business - (Comments Off)

If your business involves selling a product, you are probably looking for ways to improve sales. A sales strategy will focus your efforts on your most important customer audiences, existing or potential. (more…)

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…)