With a deep understanding of the neighborhoods and business climate in our markets, Howard Bank focuses on banking and lending services for local families and businesses.

Since our inception in 2004, the executive management team and board of directors have made building and maintaining relationships our primary focus.

HOWARD EXECUTIVE MANAGEMENT

Mary Ann Scully

Mary Ann Scully, Chairman and Chief Executive Officer 

Mary Ann Scully is the Chief Executive Officer of Howard Bank and chairs the bank’s board of directors. She is a lifelong banker with over 30 years of varied executive experiences in the Maryland marketplace. In 2003, she headed the organizing team for Howard Bank. Howard Bank serves small and medium sized businesses in Greater Baltimore – Anne Arundel County, Baltimore County, Harford and Cecil Counties and Howard County from its birthplace in Ellicott City and 21 branch offices. The bank also serves home buyers through mortgage offices in Baltimore, Anne Arundel, Harford and Howard County. Mary Ann has successfully led the company through 7 equity raises and SEC Act 34 registration as well as four business combinations.

Mary Ann is Past Chair of the Maryland Bankers Association and Past Chair of the Community Foundation of Howard County. Mary Ann is presently a trustee and President of the board of Associated Catholic Charities, a trustee and corporate campaign co -chair of Kennedy Krieger Institute, a board member of the Greater Baltimore Committee and a trustee of Mount St Joseph College/High School. She is a trustee for the Community Foundation of Howard County Real Estate board and a member of the UMBC Board of Visitors. She also serves as a board member of the Baltimore Federal Reserve and a Community Advisory board member for the FDIC. She has served as a member of the Maryland Economic Development and Business Climate Commission. She is an active member of St. Louis Parish in Clarksville, Maryland. She is a 2007 graduate of Leadership Maryland. 

In 2007, Mary Ann was recognized as an honoree in the Howard County Women’s Hall of Fame; she was named Entrepreneur of the Year by the Howard County Chamber of Commerce. She received the Howard County “Good Scout” award from the Baltimore Area Council of the Boy Scouts of America in 2011. In 2002, 2005 and 2007, Mary Ann was recognized as one of Maryland’s Top 100 Women by The Daily Record, was a 2008, 2012 and 2016 Daily Record Influential Marylander, a 2012, 2015 and 2016 Most Admired CEO and was a winner of a 2012 Trailblazer Award presented by the Baltimore Center Club. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna. She was named one of the Top 25 Women to Watch in Banking by the American Banker in 2016.

Robert D. Kunisch, Jr., President and Chief Executive Officer

Robert D. Kunisch, Jr., President 

Robert Kunisch has spent his entire banking career in Maryland, beginning in 1990 at Mercantile-Safe Deposit and Trust Company and, later, its acquirer, PNC Bank. After holding several management positions, he turned down the opportunity to serve as president of PNC’s greater Baltimore market in 2007.

Preferring to work for a smaller community bank, Kunisch joined Wilmington Trust FSB in 2008. When M&T Bancorp acquired the bank in 2011, he again pursued his desire to work at a community bank by joining 1st Mariner Bank as a consultant to the board. He and Jack Steil led the group of local Baltimore investors who acquired 1st Mariner in 2014. Kunisch took over as 1st Mariner's Chief Executive Officer in July of 2017 and was appointed President when Howard Bank acquired 1st Mariner in March of 2018.

Charlie Schwabe

Charles E Schwabe, Executive Vice President, Chief Risk Officer, Secretary

Charlie serves as Executive Vice President and Secretary of the Bancorp, and Executive Vice President, Chief Strategic Risk Officer of Howard Bank. Mr. Schwabe has served as Executive Vice President and Secretary of the Company since December 2005 and as Executive Vice President and Secretary of Howard Bank since the founding of Howard Bank in 2004 and was appointed Chief Strategic Risk Officer in December 2014. He previously served as Chief Administrative Officer, Chief Information Officer, Information Security Officer, Compliance Officer and Chief Operational Risk Officer of the Bank from the founding of the Bank in 2004 until December 2014. Mr. Schwabe provides leadership for the assessment and management of enterprise risk which encompasses asset quality, compliance and operational risk, cyber and physical security risk. The Chief Credit Officer, Chief Compliance Officer and Chief Security Officer report to Mr. Schwabe.

Prior to joining the organizing group for Howard Bank, he was employed by Allfirst Bank (now M&T Bank) from 1988 through April 2003. He served as Senior Vice President and Manager for the Customer Relationship Management Program as well as the Strategy and Planning Director for the Technology, eCommerce and Operations Division. At Allfirst Bank, he was also Vice President of Strategic Planning for the Mergers and Acquisitions Division and Vice President and Group Marketing Head for small business and retail product development and management. Prior to working at Allfirst Bank, he was a consultant and senior manager for a marketing firm that specialized in the health care and financial services industries. Mr. Schwabe has over 27 years of banking management experience and another seven years as a marketing strategy consultant to the banking, retail and business services industries.

Charlie is a Trustee of Center Stage, the nationally recognized State Theater of Maryland located in Baltimore, serving on the finance, marketing and major gifts committees, and he is currently the Chair of Center Stage’s Corporate Committee. Charlie serves on the Board of Directors of Maryland Bank Services, Inc., a subsidiary of the Maryland Bankers Association, and was Chairman of the Board from 2013 to 2015. Mr. Schwabe also serves on the Community Reinvestment Act (CRA) Advisory Board for CRA Partners (a division of Senior Housing Crime Prevention Foundation) based in Memphis, Tennessee, the Columbia Festival of the Arts Investment Committee and the Safe Systems Advisory Board. He has served as President and Chairman of the Columbia Festival of the Arts Board of Trustees, President of the Baltimore Chapter of the American Marketing Association, and Chair of Catholic Charities of Baltimore’s Our Daily Bread Employment Center Gala Committee.

George Coffman

George Coffman, Chief Financial Officer & Chief Investment Officer, Executive Vice President

George serves as Treasurer, Executive Vice President and Chief Financial Officer of the Bancorp and Treasurer, Executive Vice President, Chief Financial Officer and Chief Investment Officer of the Bank. He has held these positions since the opening of the Bank in 2004 and since December 2005 with respect to Howard Bancorp. Mr. Coffman also serves as Chief Interest Rate and Liquidity Risk Officer of Howard Bank. Mr. Coffman provides leadership for the financial management and investment operations of Howard Bank. In this role, he directly manages all of the corporate accounting functions, management and regulatory reporting preparation, and compliance with accounting principles and disclosure requirements. Mr. Coffman also is responsible for the management of interest rate risk, budgeting and financial planning, and tax planning and reporting. Other duties include directing the investment portfolio, as well as overall funds management, and investor relations. Mr. Coffman is a Certified Public Accountant. He also serves as the Bank’s Chief Investment Officer.

Prior to joining the organizing group of Howard Bank, Mr. Coffman held several senior financial management positions at Maryland-based financial institutions, including Mercantile Bank in Baltimore (now PNC Bank), Farmers & Mechanics Bank in Frederick (now PNC Bank), Sequoia Bank in Bethesda (now United Bank), and Citizens Bank of Maryland in Laurel (now SunTrust Bank). Mr. Coffman has more than 26 years of experience in the operations, accounting, investment and finance areas of commercial banks in the central Maryland area.

 
Jim Witty

James D. Witty, Executive Vice President, Chief Lending Officer

Mr. Witty Joined Howard Bank as Executive Vice President and Chief Lending Officer in May of 2016. He is responsible for all commercial business development and relationship management in the Howard Bank footprint. A seasoned executive, Jim has over twenty-seven years of banking experience. Most recently, Jim served as the Maryland Regional President for BB&T. While at BB&T, Jim was responsible for managing the commercial and retail operations for the Maryland Region including small business lending, commercial real estate, commercial and industrial lending and 98 retail locations. Jim played a key role in the integration of Susquehanna Bank into the BB&T organization. Prior to the integration with BB&T, Jim served as the Regional President for the greater Baltimore region of Susquehanna Bank. Jim’s previous experience includes Commercial Banking Unit Manager for PNC in Baltimore and various roles for Mercantile including manager of the Asset Based Lending Department, Commercial and Industrial Unit Banking manager, Commercial Relationship Manager and Credit Analyst. Jim is well known and well respected as a leader in the banking community. Throughout his banking career across the Greater Baltimore market, Jim has been successful in building his reputation as a banker’s banker with a long track record for developing differentiated team potential, proactive market leadership, sustainable business development and committed relationship management. Jim graduated from Lehigh University in 1988 with a degree in Finance. Jim also serves on several local boards and committees demonstrating his commitment to volunteer leadership in our communities.

Randy Jones

Thomas (Randy) Jones, Chief Credit Officer, Executive Vice President

Thomas (Randy) Jones has over 26 years of commercial banking experience in Maryland. He began his career as a Credit Analyst for Mercantile-Safe Deposit and Trust Company, and he now holds the position of Chief Credit Officer at Howard Bank. During the course of his career he has held positions in Credit, Commercial Lending and Loan Review. After the acquisition of Mercantile Bankshares by PNC in 2006, he served as the Maryland Market Credit Executive of PNC for seven years before joining 1st Mariner Bank in 2014 as Chief Credit Officer. Mr. Jones earned his Bachelor of Science from Wake Forest University and his Masters of Science from Johns Hopkins University.

Steve Poynot

Steven M. Poynot, Executive Vice President, Chief Administrative Officer

A banker for his entire career, Steve currently serves as an Executive Vice President and Chief Administrative Officer for Howard Bank. Before moving into the CAO role, he was the Chief Credit Officer for the bank and spent a period of time building out the commercial banking infrastructure for Howard Bank with the creation of the Credit department as well as the Client Services Support Team. Prior to moving into a Senior Management role at Howard Bank, Steve was a Relationship Manager focused on growing the commercial customer portfolio with a mix of commercial businesses as well as commercial real estate clients. Prior to joining Howard Bank, he was a member of the Commercial Real Estate Lending group for Mercantile-Safe Deposit & Trust Company (Now PNC Bank), located in Baltimore, MD.

Since joining Howard Bank in 2005, and moving into the Howard County community in 2006, Steve has been involved in a number of community organizations. He currently serves on the Board of the House of Ruth. He served for ten years on the Board of The Howard County Arts Council (President & Treasurer), a Board member of The Bright Minds Foundation (the educational foundation for the Howard County Public Schools), he is a past member of various committees for Leadership Howard County, as well as a member of the Howard County Spending Affordability Committee from 2012 - 2018. A 2011 graduate of Leadership Howard County, he has been recognized as a Next Leader in Banking from the MBA, Howard County’s Finest 39 under 39 from the Cystic Fibrosis Foundation, and the Baltimore Business Journals 40 under 40. He graduated from the University of Baltimore with a Bachelor’s Degree and from Loyola University of Maryland with his MBA.

Steve and his wife live in Ellicott City with their three children.

 

Drew McKone, Senior Vice President, Director of Branch Distribution

As the Director of Branch Distribution, Drew oversees all aspects of the branch network and the consumer lending department, including the development and execution of a strategic plan to align with the bank’s business plan and goals.

A former Lieutenant Colonel in the United States Marine Corps, Drew came to Howard with more than 20 years of banking experience. Most recently, he served as the Chief of Staff for the Maryland Department of Human Resources and has held various management positions at both Capital One Bank and M&T Bank in the Baltimore/DC metropolitan area. He holds an Executive Master’s Degree in Leadership from Georgetown University, and has a Bachelor of Arts, History and Psychology from Virginia Military Institute, Lexington.

 

 

 

Kevin Emerson, Senior Vice President, Chief Human Resource Officer

Mr. Emerson is our Senior Vice President, Chief Human Resource Officer at Howard Bank. He joined the team in 2015 with more than 15 years of experience as a human resources leader specializing in employee relations, compliance and talent acquisition in banking and finance industries.

Before joining Howard Bank, Mr. Emerson was the Senior Human Resources Manager of TD Bank, where he managed a four-state region and 550 employees. He has extensive experience with large-scale projects including an acquisition, where he led the integration of several banks and ensured successful employee transitions. In 2015, Mr. Emerson began to seek opportunities in a small community bank setting, which led him to his start with Howard Bank. He plays an integral role in all our operations, regularly advising managers and executives to identify opportunities and minimize any risks. Mr. Emerson received his Bachelor’s degree in Finance from Towson University.

 

 

 

 

 

 

HOWARD BOARD OF DIRECTORS

Mary Ann Scully

Mary Ann Scully, Director

Mary Ann Scully is the President and Chief Executive Officer of Howard Bank and chairs the bank’s board of directors. She is a lifelong banker with over 30 years of varied executive experiences in the Maryland marketplace. In 2003, she headed the organizing team for Howard Bank. Howard Bank serves small and medium sized businesses in Greater Baltimore – Anne Arundel County, Baltimore County, Harford and Cecil Counties and Howard County from its birthplace in Ellicott City and 21 branch offices. The bank also serves home buyers through mortgage offices in Baltimore, Anne Arundel, Harford and Howard County. Mary Ann has successfully led the company through 7 equity raises and SEC Act 34 registration as well as four business combinations.

Mary Ann is Past Chair of the Maryland Bankers Association and Past Chair of the Community Foundation of Howard County. Mary Ann is presently a trustee and President of the board of Associated Catholic Charities, a trustee and corporate campaign co -chair of Kennedy Krieger Institute, a board member of the Greater Baltimore Committee and a trustee of Mount St Joseph College/High School. She is a trustee for the Community Foundation of Howard County Real Estate board and a member of the UMBC Board of Visitors. She also serves as a board member of the Baltimore Federal Reserve and a Community Advisory board member for the FDIC. She has served as a member of the Maryland Economic Development and Business Climate Commission. She is an active member of St. Louis Parish in Clarksville, Maryland. She is a 2007 graduate of Leadership Maryland.

In 2007, Mary Ann was recognized as an honoree in the Howard County Women’s Hall of Fame; she was named Entrepreneur of the Year by the Howard County Chamber of Commerce. She received the Howard County “Good Scout” award from the Baltimore Area Council of the Boy Scouts of America in 2011. In 2002, 2005 and 2007, Mary Ann was recognized as one of Maryland’s Top 100 Women by The Daily Record, was a 2008, 2012 and 2016 Daily Record Influential Marylander, a 2012, 2015 and 2016 Most Admired CEO and was a winner of a 2012 Trailblazer Award presented by the Baltimore Center Club. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna. She was named one of the Top 25 Women to Watch in Banking by the American Banker in 2016.

 
Richard Arnold

Richard Arnold, Director

Mr. Arnold has served as a director of Howard Bancorp since its formation in 2005 and has served as a director of Howard Bank since 2004. Mr. Arnold is the Vice President and co-owner of The John E. Ruth Company, Inc., a plumbing and heating firm. He has served in that capacity since 1983. He also maintains ownership in various real estate holdings. Mr. Arnold serves on the Board of Trustees at Mount de Sales High School and serves on several related committees. Mr. Arnold is an organizing director of Howard Bank and is currently a member of the Compensation Committee of the boards of directors of both Howard Bancorp and Howard Bank.

 
James Dresher

James T. Dresher Jr., Director

James Dresher brings a wealth of experience in operating family-owned businesses throughout Maryland, which broadens 1st Mariner’s understanding of working with small- to middle-market companies. In 1995, he founded and currently serves as CEO of Skye Asset Management, LLC, which invests in asset categories such as real estate, biotechnology, banking and social media.

 
Gary Dorsch

W. Gary Dorsch, Independent Director

With an extensive background in Maryland banking, Gary Dorsch provides the board with insight into the competitive landscape within our marketplace. He has served as president of Keyser Capital, LLC, a private equity and real estate investment company, since 2007. In 1999, Dorsch founded and currently co-manages Allegiance Capital LP, a licensed small business investment company (SBIC). Prior to Allegiance, he spent 24 years with Bank of America and its predecessor banks in Maryland.

 
Howard Feinglass, Representative of Priam Capital

Howard Feinglass, Director

Howard Feinglass brings a background in finance and a comprehensive knowledge of the Maryland marketplace, as a Baltimore native. An experienced investment professional, he founded Priam Capital. His previous experience includes private equity investment management.

 
Michael B High

Michael B. High, Director

Michael High brings a unique perspective to the board, with his in-depth background in banking combined with his knowledge of private equity. With more than 35 years of banking experience, he is currently a partner at Patriot Financial Partners LP, a private equity firm that invests in banks. His career experience includes senior management positions at Harleysville National Corporation, Progress Financial Corporation, CoreStates Financial Corporation and Meritor Savings Bank.

 
Donna Hill Staton

Donna Hill Staton, Director

Ms. Hill Staton, has served as a director of Howard and Howard Bank since 2009. Ms. Hill Staton is an attorney and member of the Maryland Bar since 1982. Her professional experience includes 13 years with the law firm of Piper & Marbury, LLC (now DLA Piper) where she was elected partner in 1993. Her commercial litigation practice included the representation of financial institutions and other businesses in state and federal courts and commercial arbitrations. Following a period of service as a Maryland circuit court judge, Ms. Hill Staton was appointed Deputy Attorney General of the State of Maryland, a position she held from 1997-2006. As chief deputy, she assisted the Attorney General with supervision of an office of nearly 600 employees, a multi-million dollar budget and responsibility for the delivery of legal advice, counsel and representation of all branches of Maryland government; enforcement of the state’s antitrust, consumer protection and securities laws; criminal investigations; and representation of the State in all criminal appellate appeals. For 14 months beginning in December 2015, Ms. Hill Staton returned to the office to serve a second time as a deputy attorney general. Ms. Hill Staton has served in numerous volunteer capacities including the Maryland State Board of Education, trustee of the Howard County Bar Foundation, the Client Protection Fund of the Bar of Maryland and the Baltimore Education Scholarship Trust. She also served as an adjunct professor at the University of Maryland Law School. Ms. Hill Staton is Chairperson of the Governance and Nominating Committee and a member of the Executive Committee of the boards of directors of both Howard Bancorp and Howard Bank.

 
John Keenan
 

John J. Keenan, Director

Mr. Keenan has served as a director of Howard Bancorp and Howard Bank since 2014. Mr. Keenan is a retired KPMG LLP (“KPMG”) partner. Mr. Keenan joined KPMG in 1975 and worked there until his retirement in 2011, including serving as Managing Partner of KPMG’s Baltimore (1994-2005) and Washington, DC (2005-2009) offices and as Partner-in-Charge of the audit practice for the Washington/Baltimore Business Unit (2005-2011). Mr. Keenan is a certified public accountant and has extensive experience serving community banks, as well as companies in other industries. Given his experience as a partner at KPMG, Mr. Keenan also has knowledge in mergers and acquisitions, SEC rules and regulations, public offerings and the Sarbanes-Oxley Act of 2002 Section 404 matters. Mr. Keenan is currently a member of the Audit Committee of the boards of directors of both Howard Bancorp and Howard Bank.

 
Robert Kunisch
 

Robert Kunisch, Director

Robert Kunisch has spent his entire banking career in Maryland, beginning in 1990 at Mercantile-Safe Deposit and Trust Company and later its acquirer, PNC Bank. After holding several management positions, he turned down the opportunity to serve as president of PNC’s greater Baltimore market in 2007. Preferring to work for a smaller community bank, Kunisch joined Wilmington Trust FSB in 2008. When M&T Bancorp acquired the bank in 2011, he again pursued his desire to work at a community bank by joining 1st Mariner Bank as a consultant to the board. He led a group of local Baltimore investors who acquired 1st Mariner Bank in 2014, whereas he assumed the role of President. Kunisch took over as 1st Mariner Bank's Chief Executive Officer in July of 2017. After 1st Mariner Bank was acquired by Howard Bank in January 2018, Kunisch took over as President of Howard Bank.

Kunisch holds an MBA from the Sellinger School of Business and Management, Loyola University Maryland and a BA from Providence College, Providence Rhode Island. Kunisch is currently the Chairman of Saint Ignatius Loyola Academy, a tuition free school for 6th-8th grade boys in Baltimore City. His past community involvement includes the United Way and the Independent College Fund.

 
 

Paul I. Latta Jr, Director

Mr. Latta has served as a director of Howard Bancorp since its formation in 2005 and has served as a director of Howard Bank since 2004. Mr. Latta serves as Managing Member of ERIS Technologies LLC, a company developing 3-D software solutions for managing emergency situations. Prior to that Mr. Latta served as a Senior Vice President, Director of Retail Properties for The Rouse Company, a real estate development firm. Mr. Latta is an Organizing Director of Howard Bank, serves as the Lead Independent Director of Howard Bancorp and Howard Bank, and is currently a member of the Executive, Governance & Nominating, Audit and Compensation Committees. He also serves on the boards of directors of both Howard Bancorp and Howard Bank.

Kenneth Lundeen

Kenneth C. Lundeen, Director

Mr. Lundeen has served as a director of Howard Bancorp since its formation in 2005 and has served as a director of Howard Bank since 2004. Mr. Lundeen is President, Chief Executive Officer, and a co-owner of Environmental Reclamation Company, a diversified environmental services company, and has held this position for more than five years. Mr. Lundeen served as the President and Chief Executive Officer of C.J. Langenfelder & Son, Inc., a diversified construction contracting firm (1995-2004), and as Chairman of its successor Conrad Capital Corporation, an asset holding company (2004-2012). Mr. Lundeen served on the board of directors of the Baltimore branch of the Federal Reserve Bank of Richmond (2001-2006). He is an attorney and actively practiced in Maryland, specializing in corporate and business law and representing small to medium-sized private and publicly held companies, from 1972 until 1988. Mr. Lundeen is an organizing director of Howard Bank and is currently a member of the Governance and Nominating Committee and the Executive Committee of the boards of directors of both Howard Bancorp and Howard Bank.

Thomas P ONeill

Thomas P. O'Neill, Director

Mr. O'Neill was elected a director of Howard Bancorp and Howard Bank in August of 2015. Mr. O'Neill is a CPA and a former Partner at Hertzbach & Co. PA. Previously, he was a managing director of RSM McGladrey, Inc. and the managing partner of the regional accounting firm of Wolpoff & Company LLP. Mr. O’Neill is a member of the American Institute of Public Accountants and the Maryland Association of Certified Public Accountants and he has served on the boards of many charitable and civic groups. He is also the former Chairman of Patapsco Bancorp, Inc. and The Patapsco Bank. He received his undergraduate degree from Loyola College - Baltimore.

Robert W Smith

Robert W. Smith Jr., Director

Mr. Smith has served as a director of Howard Bancorp and Howard Bank since 2012. Mr. Smith is a practicing attorney and has been a partner at the law firm of DLA Piper LLP (US) since 1983. He is currently the Co-chair of the Global Corporate practice for DLA Piper and is a member of the Executive Committee of DLA Piper LLP (US), positions he has held for ten years or more. Mr. Smith’s practice focuses on the general representation of private and public companies, and includes significant experience relating to mergers and acquisitions and the public offering of securities. Mr. Smith also has served on the boards of several not-for-profit entities, and is presently a member of the Board of Trustees of CENTERSTAGE in Baltimore, Maryland. Mr. Smith is currently a member of the Compensation and Governance Committees of the Boards of Directors of both Howard Bancorp and Howard Bank.

Jack Steil

Jack E Steil, Director

Jack Steil is an experienced community bank executive who has spent his career in the Baltimore market. From his start in Mercantile-Safe Deposit and Trust Company’s auditing department in 1970, he held successively more senior management positions at this Baltimore-based bank until his retirement in 2002. Steil returned to banking in 2005 at Susquehanna Bank, and then moved to Wilmington Trust FSB in 2007. He served as 1st Mariner's Chief Executive Officer (CEO) from 2014 until 2017. Steil continued to serve as Chairman of the Board at 1st Mariner. He also played a significant role in the commercial lending and relationship building areas of the bank until its acquisition by Howard Bank in March of 2018. He currently serves as a Senior Advisor and Director at Howard Bank. Steil’s community activities have included serving as Vice President of The Boys Scouts of America, on the Board of Governors of the National Aquarium of Baltimore, on the Board of Directors of Neighbor Housing, and as a member of the Board of Directors of Hannah More School, a nonprofit special education institution.