Rising Sun – Celebrating the Past, Present, Future

  • 16 May 2017
  • Posted by Amarasco

Howard Bank Rising Sun Bank BuildingChartered in 1880, the historic Rising Sun Bank was one of a few Maryland banks that survived the Depression. Listed on the National Register of Historic Places, this bank anchors the past of Rising Sun to the present and the future. No one is more in tuned to the history and meaning of the bank than Charles “Chip” Slaybaugh.

The bank became part of the Howard Bank family in 2014. As a special assets collection officer for Howard Bank, Chip is continuing the connection of the Slaybaugh family to this historic institution. Chip’s great grandfather was president of the National Bank of Rising Sun - Check PresentationRising Sun, one of the previous identities of this institution, from 1912 until 1950.

Because of the high standards of the bank’s procedures, not only did the bank survive the Depression, it was the first in Maryland to reopen after the historic 3-day closing called for by President Roosevelt.

Images of all of the past presidents adorn the walls of the board room, and other historical items are on display. The celebration honors the history and preservation of the beautiful historic building that sits in the center of this little town with a strong sense of community.Rising Sun CelebrationMary Ann - Rising Sun ReceptionRising Sun - historical artifacts

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Dick Story - The Next Chapter

  • 04 Jan 2017
  • Posted by VAnzmann

“While I love the work, there’s not a lot of runway left out there, and I want to do some flying,” says Dick Story, Howard Bank’s Senior Vice President, Director of Community Relations & Government Affairs, and Business Development Liaison, of his retirement at the end of the year. The face (and instantly recognizable voice) of Howard Bank for the last several years, Dick’s deep ties to the community and nearly infinite economic development expertise have made him an invaluable member of the Howard Bank team.Dick Story

Committed to emcee at least 35 events in 2017, Dick will continue to serve as an ambassador for Howard Bank, working in a consultative capacity with the bank. With his wife also retiring at the end of 2016, there are home improvements, home repairs, and hometown duties looming large for Dick, who hopes to be a burden to his wife.

In addition to hometown requests to run for local political office and manage a county economic development committee, there are requests for economic development help from counties further away. He’s trying to avoid all the pitfalls, and craft a retirement that satisfies both familial and professional aspirations.

The community affairs duties that Dick has been managing will be delegated to an already formed committee, that can be acutely community-focused in a way that Dick cannot from his home on the eastern shore.

“We’re supporting roughly 100 non-profits; all of that [legwork] can be done by someone else. And I’m going to miss that,” but the needs of the non-profits served by this function are too important to discharge in any other way. “As a community bank, we want to grow the community because as it grows, we grow.” According to Dick, “All of these systems will be in place when I leave on December 30.”

As to pursuits that he has not been able to engage in with his full-time bank responsibilities, Dick says, “Right now in my new old hometown, I’m putting up an HO train set in the town hall for a Christmas garden. Wait ‘til I’m there full-time; I’ve been using the last four weekends to set up the garden.”

Dick Story Retirement PartyParting advice or commentary from Dick to his colleagues is thus: “I’m your worst recurring nightmare. I’m still going to be tripping through our offices in the region, disrupting whatever work they’re trying to get done, and then leaving. I’m still going to be around because of my rolodex. In fact, Mary Ann hired me, not because she was fond of me, but because I had an enormous rolodex. And that’s still valuable. So, I make introductions, and all of that can continue. So, the advice is - don’t write the obituary yet. The more things change, the more they stay the same.”

At 71, Dick Story is looking forward to “retirement,” in whatever form it finally takes.

Share your favorite Dick Story memory with us on Facebook.

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A Special Thank You From Mary Ann Scully

  • 22 Dec 2016
  • Posted by Amarasco

Mary Ann ScullyFor thousands of years, the world has turned to both celebration and sober reflection at this time of year.  We ponder the approaching long hours of darkness and cold associated with the winter solstice; we are awed by ancient stories of infant births and temple lamps; we are always deciding on the best way to give thanks, and we are constantly contemplating challenges and opportunities ahead.  It is a time of refection in part because of all these contrasts.  We at Howard Bank want to share our reflections with you - our customers, colleagues, and community members at this time of co-celebration.

We remain ever optimistic and hope that those who are feeling anxious about the changes that have occurred in the world, and that continue to occur, can themselves reflect on the tried and trues that transcend elections, interest rate uncertainty, stock market swings, and even civil wars.

We live in one of the most free, most open countries in the world and that freedom is, in the long term, worth our constant commitment.  We, in Greater Baltimore, live in a region with higher than average education levels, higher than average wealth, higher than average growth, and lower than average unemployment- we are among the luckiest people in a world still filled with pockets of intolerance, poverty, malnutrition and illiteracy.

Each of us gets to participate in community life with many of our friends, family, and neighbors who have big enough hearts to appreciate that, while on average, we are blessed.  There are significant inequities in freedom, wealth, education, and upward opportunity where each of us can do something – no matter how small- about that every day.

We thank you for always welcoming us into these communities we serve – for doing business with us, connecting us to others, making us aware of problems to be solved, and helping us solve them together.

And we commit to continue to serve you – to help you make your dreams come true – as that is our purpose in life as your community bank.

Mary Ann

Chairman, President and CEO
Howard Bank and Howard Bancorp

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Ellicott City Main Street Tree Raffle

  • 30 Nov 2016
  • Posted by Amarasco

Join Us for Midnight Madness in Ellicott City on Friday December 2, 2016. We will be raffling off the "Ellicott City Main Street Tree". The tree is decorated with many unique decorations from shop owners and community members. Raffle Tickets are $5.00 for 1 or $20.00 for 5. Tickets will be sold outside of the Caplans on Main Street where the tree is on display on Friday. You can also purchase tickets at Howard Bank's Rt 40/Centennial Lane or contact April Marasco at amarasco@howardbank.com

All proceeds will go to The Ellicott City Partnership. Good Luck!





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Main Street Ellicott City- Ready for the Holidays!

  • 21 Nov 2016
  • Posted by Amarasco

Main Street Ellicott City is getting all decked out for the holidays. There’s an excitement and vibrancy on Main Street that marks the amazing recovery and rebuilding efforts and an incredible sense of community. The bonds formed up and down the street with people joining together to rebuild old Ellicott City have been key to these efforts. “Everyone just took a piece of the pie, and got to work,” says Maureen E.C. Smith of the Ellicott City Partnership

forget-me-not-village_4792Merchants agreed that this event presented an opportunity to rebuild Ellicott City better than it was before. Restauranteurs who had never met were holding meetings talking about restaurant business in Ellicott City. Merchants from different ends of the street who didn’t know each other before the flood have been working together post flood.

The team spirit and level of effort has been incredible. “We’re not stepping on each other’s toes. And it’s amazing how well things have been happening. And it happened organically. We’re not duplicating effort and we’re not stepping on each other’s toes,” notes Smith. She also points out how many partnerships and organizations have been working together to get things accomplished, including Howard County. Ms. Smith is quick to note what an outstanding job the county and the county executive have done.

After a disaster of this magnitude, “normally only 25% of people return. We’re expecting 75 – 80 % return. We are so

encouraged by that.”

Ellicott City is coming back stronger and better than ever. Flood resistant building materials are being used in rebuilding. Established businesses are taking the opportunity to improve. New businesses are moving in. And the support and help from the community have been nothing short of extraordinary.

Don Reuwer Jr., president of Waverly Real Estate Group, which owns a number of buildings on Main Street, has worked non-stop since the flood to help tenants and businesses get back to business. He was honored by the governor and the county executive for his work.

“What’s been reconstructed is better than what was there before. A lot of what we’ve done is make everything flood resistant. So if it [flooding] ever happens again, the damage won’t be as severe. My take on it is very positive – the reconstruction is better than what was there, the businesses that are coming back are the ones that really want to be here, and we’re getting new people, new ideas, new businesses.”

“All in all, I think it’s lots of positive stuff. Fast forward 24 months [from now] and I think the town’s going to be way more exciting than it ever was,” says Reuwer.

The street and shops are open now. On November 26, there will be a celebration featuring Howard County Executive Alan Kittleman, members of the Howard County Council, United States Senator Ben Cardin, United States Congressman Elijah E. Cummings, and Maryland Senator Gail Bates with a ribbon-cutting to launch the holiday season. This holiday season is important for Ellicott City Main Street.

The efforts continue to support Ellicott City recovery.

Howard Bank is decorating an Ellicott City Main Street themed Christmas tree for the Kennedy Krieger Festival of TreesDonations of ornaments from the community at large, as well as shop owners on Main Street, have produced beautiful old-fashioned ornaments that represent the historic Main Street. The tree will be on display from November 25 – 27 at the Festival of Trees at the Timonium Fairgrounds, and then raffled at Midnight Madness in Ellicott City on December 2, with the proceeds to benefit Main Street recovery efforts.

The Ellicott City Partnership has given away over $I million in donated funds to residents, property owners and business owners. The generous efforts of so many, including a scout troop that raised $3,500 with a SK race, and other kids who designed and sold t-shirts, created bracelets and manned numerous lemonade stands, made this fund possible.

Midnight Madness – The community can help support Old Ellicott City by shopping local this season in unique Ellicott City shops, galleries and artist studios. Ellicott City restaurants will feature dinner and drink specials all evening as well. Stores and restaurants will remain open until midnight.

And for the stores that will not be able to re-open in time for the holidays, a local artist is painting the plywood surfaces of 5 stores/restaurants to look like open shops.

Ellicott City happenings and information can be found here:

Ellicott City Partnership
Howard County Tourism

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Howard Bank Continues its Support of Ellicott City Flood Victims and Rebuilding Main Street

  • 18 Nov 2016
  • Posted by Amarasco

Bank employees will decorate and then donate Main Street-themed Christmas tree to Ellicott City Partnership at this year’s Festival of the Trees hosted by Kennedy Krieger Institute.

Baltimore, MD, November 18, 2016 —Howard Bank, a growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area, today announced its participation in this year’s Festival of the Trees, a three-day holiday event hosted by Kennedy Krieger Institute.

The Festival of Trees, which will be held on November 25th to November 27th at the Maryland State Fairgrounds, benefits children and families who receive treatment at the Kennedy Krieger, the internationally regarded health care organization dedicated to treating children and young adults with a range of disabilities.

Howard Bank employees will collect ornaments donated by community members and local Main Street store-owners reflecting the history of Ellicott City and then decorate the tree, which will be displayed at the Festival. The tree will be donated to the Ellicott City Partnership and then raffled to raise money to support of Ellicott City flood victims and raise awareness about rebuilding Main Street.

“We want to ensure the victims and business owners of the Ellicott City flood that their futures and the recovery of downtown are important to Howard Bank,” said President and CEO Mary Ann Scully. “The Festival of Trees is an incredible community event that spotlights Kennedy Krieger, a Baltimore institution that has transformed the lives of young people and their families.”The Festival showcases more than 700 holiday trees, wreaths and gingerbread houses created by local designers. The three-day event will offer a number of holiday activities, including live music, holiday readings and pony rides.

Following The Festival of the Trees, Howard Bank’s tree will be donated to the Ellicott City Partnership and used in a raffle at Midnight Madness, an annual holiday

event hosted in Old Ellicott City to benefit local business. This year the money raised from the raffle will be used to help flood victims, local business owners and the rebuilding of Main Street.

Midnight Madness will be held on December 2nd from 6:00 p.m. – 12:00 a.m. in Old Ellicott City. The 38th annual holiday festival offers a tree lighting ceremony, caroling, visits with Santa and shopping and dinner specials.

For more information about The Festival of the Trees and Midnight Madness, visit: http://festivaloftrees.kennedykrieger.org; http://visitellicottcity.com/midmad/.

About Howard Bank
Howard Bancorp is a bank holding company with total assets slightly over $1.0 billion as of September 30, 2016. Its principal operating subsidiary, Howard Bank is a locally managed, headquartered and growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through 13 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). For information visit www.howardbank.com.

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A Letter From Mary Ann Scully- #ECSTRONG Fundraiser Update

  • 06 Sep 2016
  • Posted by Admin

I am very happy to share the excellent news that we have exceeded our goal of raising an additional $10,000 of donations, matching our initial $10,000 commitment for the Ellicott City Partnership to help rebuild Ellicott City!  As of this morning, we have raised $20,113!

 We remain committed to the recovery effort of Ellicott City’s Main Street and we will continue to collect donations in all of our branches through the month of September.  In addition to having the #ECSTRONG bracelets in our branches for the remainder of the month, we will be setup at the Howard County Police 5K run on September 11th at Centennial Lake and we will also have them available at our September Accelerent breakfast. 

 Thank you all for your generosity and support with this mission and let’s continue our hard work to help Main Street come back stronger than ever.


Mary Ann Scully

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Hogan Administration Announces Programs Available for Ellicott City Recovery

  • 05 Aug 2016
  • Posted by Admin

Hogan Administration Announces Programs Available for Ellicott City Recovery
Maryland Department of Housing Offers Revitalization Programs

ANNAPOLIS, MD – As part of Maryland’s comprehensive response to recent flooding in Howard County, the Maryland Department of Housing and Community Development is offering a number of programs that will help impacted households and business owners, including increased funding or additional flexibility for previously submitted applications to assist the city. This action from the department follows a directive from Governor Larry Hogan earlier this week ordering all state agencies to assist Ellicott City residents and businesses in their recovery efforts from the historic flooding this past weekend.

“The flood waters have receded, but the real work has just begun, and we will continue to work with Howard County and Ellicott City officials

to provide the resources necessary for an effective recovery and rebuilding,” said Governor Hogan. “Helping residents and businesses get back on their feet and ensuring that Ellicott City’s historic main street comes back even stronger will remain a top priority of our administration.”

Ellicott City has requested funding for façade improvement through the Community Legacy Program, and the Department of Housing and Community Development will work with the city in order to increase funding based on damage assessments. Additionally, the department will extend Ellicott City’s application deadline for the Strategic Demolition Fund to enable assistance if needed for this program.

“Our department has a long and successful history of partnership with Ellicott City, particularly through our neighborhood revitalization programs,” said Secretary Kenneth C. Holt. “We will continue to strengthen this partnership as we work together to support business owners and residents during their recovery efforts in the wake of this tragic disaster.”

Specific information on Community Legacy, the Strategic Demolition Fund, and other Maryland Department of Housing and Community Development programs include:

Disaster Relief Housing Program

This program provides financial assistance in a declared emergency area to a family whose primary residence was damaged or destroyed by the disaster. The program will allow 20-year loans at a 0% deferred interest rate to affected and eligible homeowners. The disaster relief financing is based upon the total cost to rebuild or rehabilitate the home, less any Federal Emergency Management Agency recoveries and less any insurance proceeds.

DHCD Contact: Jack Daniels, 301-429-7802jack.daniels2@maryland.gov
                         David Klingler, 301-429-7799, david.klingler@maryland.gov

WholeHome (Maryland Housing Rehabilitation Program)

This program provides low interest rate financing to low- and moderate-income homeowners or to landlords with one to four unit rental properties in order to rehabilitate their dwelling or rental unit.  Homeowners and tenants must meet eligibility requirements of 80% statewide income. If this is a rental property, the owner must agree to recorded covenants restricting the rental unit usage.

DHCD Contact: Jack Daniels, 301-429-7802, jack.daniels2@maryland.
                         David Klingler, 301-429-7799, david.klingler@maryland.gov

Maryland Disaster Housing Assistance Program (MDHAP)

This program is a resource for short-term, emergency rental assistance for families or individuals displaced by a natural disaster as identified by MEMA of DHR. MDHAP will pay the owner the advertised rent or 100% of the fair market, whichever is less. The term of the voucher is 90 days, extensions will be considered if the home is not ready for occupancy at the end of 90 days.

DHCD Contact: Gregory Hare, 301-429-7775, gregory.hare@maryland.gov

Community Legacy

The Community Legacy program is a flexible source of grant and loan funding for revitalization of targeted areas; downtown Ellicott City IS eligible for these awards. Recent awards in Ellicott City include grants for storefront improvements and street furniture. The eligible applicant is Howard County or a local nonprofit development organization.

DHCD Contact:  Melissa Archer, 410-209-5820melissa.archer2@maryland.gov

Strategic Demolition Fund

The Strategic Demolition Fund is used by local governments and nonprofit community development organizations for a range of predevelopment activities, including removal of unsafe structures, demolition of obsolete structures, site acquisition and land assembly, infrastructure improvements, site development and architectural and engineering services. Eligible applicants are local governments and local nonprofit development organizations.

DHCD Contact:  Melissa Archer, 410-209-5820melissa.archer2@maryland.gov

Main Street Maryland

Ellicott City is one of Maryland's 28 designated historic Main Streets, and is, therefore, able to participate in quarterly trainings as well as participate in the above two grant programs as well as the Main Street Improvement Program, which provides a range of small grants for local revitalization projects. Eligible applicants are local governments and local nonprofit development organizations.

DHCD Contact:  Susan Sheppard, susan.sheppard@maryland.gov

Maryland Business Recovery

The Maryland Business Recovery Loan Program is an emergency loan program to assist small businesses affected by the flooding event in Ellicott City on July 30, 2016.

Eligible Applicants

  • Maryland-based small businesses
  • Business must be located in a commercial space
  • Nonprofit organizations
  • Business must be located in Ellicott City’s Main Street area
    Note: Applicant must show proof of insurance status

Amount of Financing Available

  • Up to $50,000 (amount based on damage assessment).
  • Interest rate of zero percent (0%)
  • Higher amounts will be considered on a case-by-case basis
  • Financing may be used in conjunction with other financing, insurance proceeds, etc.
  • Target loan term is 1-5 years, depending on loan size and affordability

Eligible Uses of Funds

  • Renovations
  • Repairs and replacement of furniture, fixtures and equipment
  • Inventory replacement
  • Certain other costs associated with recovery of a small business, including working capital

DHCD Contact: Michael Haloskey 443-214-8429, michael.haloskey@maryland.gov

For more information about the Maryland Department of Housing and Community Development and its programs, visit http://dhcd.maryland.gov or call 1-800-756-0119.


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Bringing Back Ellicott City: Resource Page

  • 05 Aug 2016
  • Posted by Admin

Below are some resources for how you can help flood victims on Main Street.  We will keep this current as updates become available. 

Ellicott City information and resources:

Ellicott City Partnership: https://ecpartnership.org/#donate

State of Maryland Website with links to all of the recent press releases related to Ellicott City: https://mdbiznews.commerce.maryland.gov/2016/08/rebuilding-ellicott-city-can-help/

Hogan Administration Announces Programs Available for Ellicott City Recovery: http://governor.maryland.gov/2016/08/02/hogan-administration-announces-programs-available-for-ellicott-city-recovery/

Maryland Business Recovery Loan Program is an emergency loan program to assist small businesses affected by the flooding event in Ellicott City on July 30, 2016. Maryland Business Recovery/Loan Program Fact Sheet

Maryland Biz News Article with links to how people can help Ellicott City: https://mdbiznews.commerce.maryland.gov/2016/08/rebuilding-ellicott-city-can-help/

Howard County Government website with updated information for Ellicott City Residents and business owners: http://www.howardcountymd.gov/ECStrong-Recovery-Resources

Howard County Government’s Facebook Page: https://www.facebook.com/hocogov/

Preservation Maryland: http://preservationmaryland.org/help-ellicott-city-recover-descructive-flood/

The Red Cross will be accepting donations for residents impacted by the flood. Stay tuned for details.

The Community Action Council will be accepting food donations at the Howard County Food Bank www.cac-hc.org

The Elkton Chamber & Alliance is collecting clean up materials  http://bit.ly/2aXpoBO

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Howard Bank is Committed To Bringing Ellicott City's Main Street Back. Hands On!

  • 01 Aug 2016
  • Posted by Admin

A Message from Mary Ann Scully, President and CEO of Howard Bank

Ellicott City’s Main Street epitomizes everything that small towns have stood for over the years. It has always been a very important part of the larger county and regional economy for just that reason - a living demonstration of what small business owners, retailers, artists, entertainers, hospitality and professional service providers can accomplish working together. There are no big businesses on Main Street in Ellicott City. For this reason, among others, it successfully attracts local, regional, national and international visitors every day and night.EC-strong-FB-post-image (002)

So after the devastation of Saturday evening, Howard County’s heart is breaking. But Howard County’s heart is big and welcoming as well. As the flood ripped down Main Street, several people risked their own lives and formed a human chain to rescue a victim trapped by the ferocious currents.  Within hours of the devastation, neighbors began gathering in the streets offering their assistance to the recovery effort without delay.

The larger community as well has mobilized quickly to not only respond but to proactively rebuild better than ever.

At Howard Bank, we too are heart broken by the flooding that occurred in Ellicott City on Saturday night.  Many businesses and residents alike - some customers but all friends, lost everything. Our colleagues at Howard Bank are committed to the recovery effort.  We will partner with the Howard County Economic Development Authority, Ellicott City Partnership, the Red Cross and the Community Action Council to provide resources and assistance to the community at large and we are also committed to working with our individual clients who were impacted by the flood.  We will, as community banks always do and as Howard Bank has always done assume an advisory, a leadership and a “Hands On “role in bringing Main Street back.


Scully Signature

Mary Ann Scully, President and CEO of Howard Bank

 #ECStrong  #EllicottCity #HBCommunity


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