From the CEO: Thank you for 15 years

  • 07 Aug 2019
  • Posted by Mary Ann Scully

Today is a special birthday - the birthday of Howard Bank. Much has changed since 2004 - a major recession followed by a very long-lived recovery; physical expansion from our birthplace in Howard county to a footprint that stretches from Annapolis in the south to Newark, Delaware in the north; growth in assets from $17MM to $2.2B and growth in employees from 20 to 300; continuing consolidation in our industry leaving Howard as the only locally headquartered bank in the top 10 in our region - not to mention Howard Bank being in the top 10 - actually #7 in the Baltimore MSA!

Howard Bank has throughout our 15-year history differentiated ourselves by our consistent commitment to leveraging our human and financial capital to ensure that our customers and the communities we serve together are able to create their own legacy. We’ve recently incorporated this message in our brand vision. We build our legacy by helping others build theirs. We’ve also incorporated some stories of the legacies that YOU are building in our new messaging.  

I recently presented our story to a group of investors and one of those investors - a Baltimore based money manager - told us that if he did not already know the story, he would want to research to learn more about the bank because our story is uniquely differentiated. It is YOU that makes it differentiated. Our singular focus on the Greater Baltimore small and medium-sized business community - and through you, your owners, executives, and employees - makes us very different in terms of the competitive loan and deposit product set we offer, the expertise our focus lets us bring to you, the way we try to deliver advice one on one, face to face and where you are, not just where we are. Everything we do is in service to you, and your legacy.

We hope that you feel this focus today and every day and the commitment that comes with it.  





Mary Ann Scully
Chairman and CEO

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Help Us Support the Maryland Food Bank

  • 03 Apr 2019
  • Posted by mmelendez

At Howard, working to create a positive impact on the communities we serve is in our DNA. This includes supporting initiatives that our employees are engaged in. We are proud to support our employee, Kelly Rawleigh, and the Emerging Leaders program of the Maryland Bankers Association in the 2019 Pay it Forward initiative benefiting the Maryland Food Bank. 

Kelly Rawleigh, Director of Deposit Operations at Howard Bank, is a member of the MBA's Emerging Leaders Champion program. The one-year program is for bankers interested in furthering their careers through education, networking and leadership development. The program also calls for a group community service project. 

Kelly and her team of fellow Emerging Leaders have chosen to support the Maryland Food Bank for this project. To help make a greater impact, Howard Bank is joining in the efforts. The food drive will take place during the month of April and there are two ways to get involved. 

Non-Perishable Food Donation

All Howard Bank branch locations will accept non-perishable food items until April 30th. 

Virtual Food Drive

Monetary donations can be made online to the Emerging Leaders 2019 Virtual Food Drive until May 13th. Click here to donate

The donations raised will help fight hunger in the community and give hope to food-insecure children and families. To learn more about the Maryland Food Bank visit MDFoodBank.org

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A Special Holiday Message from Mary Ann Scully

  • 06 Dec 2018
  • Posted by Mary Ann Scully

This is a time of year filled with contradictions for all of us. Shorter days are upon us but we all have more to do both professionally and personally – budgets, last-minute surges to meet goals, customer entertainment at the office all come at the same time as holiday gatherings with family and friends, gift buying for Hanukkah, Christmas, or Kwanza. It’s a time of celebration on so many fronts. But it’s also a time of cold and darkness. Our accomplishments some days all seem to come with a surcharge of stress.

This year at Howard Bank, perhaps more than many other years, those normal seasonal contradictions have been accompanied by a year of company related contradictions. We’re together the biggest locally headquartered bank, but to get here we’ve each seen longtime colleagues depart for other locations; we’ve inherited some additional duties associated with coming together as well as our size; many of us have longer commutes. But all of us have new bridges that we cross every day that makes life more enriched and widens the world that we live in.

And we are reminded each and every day that we’ve done this for you, our customers, and the communities you inhabit.

Howard Bank at the end of the day is all about adding value - for our employees, our customers, our communities and our shareholders.

I think that everyone born wants to feel that they make a difference in the lives of others - our families, our friends certainly - but if we are blessed with growth and opportunity, our reach can be even larger - customers, communities, colleagues. Our personal legacies expand exponentially.

My glass is usually half full; I hope that as you reflect over the next few weeks on this miraculous – yet stressful- but magical time of year, that each of you will see that water level in your own glass rise.

A courageous woman once said:

You cannot get through a single day without having an impact on the world around you. What you do makes a difference, and you have to decide what kind of difference you want to make. The greatest danger to our future is apathy. Every individual matters. Every individual has a role to play. Every individual makes a difference.

May each of you have the gift of caring enough to be all that you can be.


Mary Ann Scully, Chairman & CEO

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Little Gifts, Big Joy

  • 03 Nov 2018
  • Posted by mmelendez

The holiday season is near, and this year, Howard Bank is celebrating by supporting the Marine Corps Toys for Tots program. The basic mission of Toys for Tots is to collect new and unwrapped toys to distribute to less fortunate children around Christmas time with the goal of bringing hope and joy to the children in need.

It’s easy to get caught up in the hustle and bustle of the holidays. Supporting this program gives us (and our customers) the opportunity to focus on what’s really important—giving back to the community. After all, we’re only as strong as the communities we serve.

From November 5th until December 7th, all Howard Bank branch locations will be collecting new, unwrapped toy donations for Toys for Tots.

For more information about Toys for Tots please visit www.toysfortots.org.

Happy Holidays to all!

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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 [email protected]

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:

Visitellicottcity.com
Ellicott City Partnership
Howard County Tourism
HelpEllicottCity.com

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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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