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:;

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

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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, 301-429-7802[email protected]
                         David Klingler, 301-429-7799, [email protected]

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, [email protected]
                         David Klingler, 301-429-7799, [email protected]

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, [email protected]

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, 410-209-5820[email protected]

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, 410-209-5820[email protected]

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, [email protected]

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, [email protected]

For more information about the Maryland Department of Housing and Community Development and its programs, visit 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:

State of Maryland Website with links to all of the recent press releases related to Ellicott City:

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:

Howard County Government website with updated information for Ellicott City Residents and business owners:

Howard County Government’s Facebook Page:

Preservation Maryland:

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

The Elkton Chamber & Alliance is collecting clean up materials

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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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For the 10th Year in a Row, Howard Bank Supports Columbia Festival of the Arts. This Time at its New Location: Merriweather Park at Symphony Woods.

  • 06 Jun 2016
  • Posted by Admin

For the 10th consecutive year, Howard Bank is supporting the Columbia Festival of the Arts, which for the first time will be held at the Merriweather Park at Symphony Woods.CFA2006

In addition to the move, the Festival will explore India’s transformation into the modern world and feature author Nadia Hashimi. It will also formally launch the new Columbia Film Festival.

“The Festival of the Arts is excited to move to Symphony Woods this year given all of the development in Town Center,” said Todd Olson, Columbia Festival of the Arts Executive Director. “The renovated Merriweather Post Pavilion, the soon-to-be finished Chrysalis Amphitheatre, and the proposed Arts Center…all within a stone’s throw of each other will surely create a cultural epicenter in Howard County and all of Central Maryland.”

The June 10th – 26th event marks the Festival’s 29th year, and one of the biggest occasions in its history. Traditionally, the Festival has been held at the Lakefront.The Festival’s inaugural free “Weekend In The Woods” runs Saturday June 18th from 10:00 a.m. to 6:00 p.m. and Sunday, June 19th from 12:00 p.m. to 6:00 p.m.


Photo: 2006 CFA - Andrea Martinez, Mary Ann Scully, Steve Sachs & Chris Marasco

“It’s about giving back to the community,” said Robert Marshall, Marketing and Communications Director for the Columbia Festival of the Arts. “It’s not unlike Wine in the Woods. It’s part of the larger Festival of the Arts at Columbia.”

The festival also ushers in the start of summer, said Mary Ann Scully-President and CEO of Howard Bank. “The CFA means three

things to me - a legacy of community celebrations, bringing the arts to everyone, and the kickoff to summer in Columbia,” she said.

“Being a part of the CFA is a reminder of what makes Columbia such a spirited community,” added Chris Marasco, Senior Vice President of Howard Bank. “The festival entertains all elements of our community: races, ages, incomes, and genders.”

This year’s event highlights the community and its artists.  The Festival is providing a remarkably larger space for local artisans to showcase their wares to the public, and for Maryland residents to experience some of the area’s best musicians.

Weekend In The Woods headliners include Black Masala, a fast paced brass group from Washington, D.C., and the Glenelg Jazz Ensemble, a crowd favorite. The Glenelg Ensemble has not just been recognized locally, but on the national level, too.The high school performers have received more than 60 awards and first place finishes in the last 10 years alone. Other musicians performing during the free weekend are: Anthony “SwampDog” Clark, The Shrapnels, Elikeh, Samuel James, and La Unica.

The main theme of the event is “The Silk Road Stories.” On June 18, the Festival is hosting Mystic India: The World Tour Bollywood Spectacular! which is based on the concept of ancient India’s transition into modern India. Another highlight of the Festival is the June 26 event: Refugees on the Silk Road. Novelist Nadia Hashimi will read an excerpt from her new book, which places a spotlight on the recent refugee crisis.

The Columbia Festival of the Arts sponsors events and shows like this year round, and is using this year’s Weekend In The Woods to launch the new Columbia Film Festival. The inaugural event will produce and show films four times a year in a variety of genres, such as features, shorts, and documentaries. The Film Festival will also host student made films. The purpose of the Film Festival, according to the Columbia Festival of the Arts, is to, “Introduce Howard County audiences to the best in the world, national, and local cinema, and is dedicated to inspiring and reflecting the diverse community it serves.”

For many, the festival is a place to connect with people and help the broader community.

“The Columbia Festival of the Arts is where I started my volunteer career,” said Andrea Martinez, a Junior Loan Processor at Howard Bank. “Meeting new people, giving my time and energy to something bigger than myself has helped me grow as a human being and a person by leaps and bounds.”

The change of location means next year’s Festival will showcase musicians in the Chrysalis stage, a brand new amphitheater currently under construction. The Chrysalis will offer a permanent stage for performers and will seat more than 400 people. Despite the fact the Chrysalis stage is not complete, this year’s Weekend In The Woods is poised to be the best, most exciting one in the Festival’s history. The Symphony Woods location is a sprawling 16.5 acres of beautiful landscape. With an incredible new space and remarkably talented musical guests, the event is not one to miss.

For more information and/or to purchase tickets visit




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March Branch of the Month

  • 08 Apr 2016
  • Posted by Admin

Congratulations to:

Aberdeen Branch for winning the Branch of the Month for March!

Centennial Branch for winning the Branch of the Week!

Fun Fact Challenge Customer of the Week:         Heather O- Rising Sun

animals-great_dane-dog-canine-pet-dog_owner-ban110603lIs it illegal for banks to give children lollipops in Washington State?

Today it is an obsolete law, but originally it was made a law because Mothers would be considered an unfit parent if their child misbehaved in public and the temptation of candy would undermine their authority.

MabeSuper Star Customer of the Week: Avery Mabe- Aberdeen




Thank You to all of our customers that sent in their Branch Shout-Outs!

Check out the Previous Weeks Fun Fact Q&A and visit our Facebook Page to join in the fun!

2016 Branch of the Year Standings: 


Maple Lawn
Rising Sun


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5 Unusual Houses? Nope..Home Sweet Home For These Owners

  • 31 Mar 2016
  • Posted by Amarasco

Not everyone thinks “raised ranch” when they hear the word “home.” Here are 5 out-there houses that may or may not actually be fun to live in.

The Bioscleave House

BioCleaveIn the late 90’s, architects Arakawa and Madeline Gins were commissioned to renovate a home in East Hampton, New York. Years (and more than $2 million dollars) later, Arakawa and Gins claim to have built a house that will slow aging and death.The secret? Bright colors, unusual angles, and a bumpy, undulating floor, which they say will stimulate your immune system by forcing you to work to maintain your balance.The house has two bedrooms, one bathroom, and no doors.




The Mushroom House

MushroomBuilt between 1970 and 1972 by Robert and Marguerite Antell, this house was inspired by Queen Anne’s Lace. The result, however, looks a lot more like a cluster of mushrooms. In total, the structure consists of five connected pods, which house three bedrooms and three bathrooms. In 1989, it was designated a town landmark by Perinton, New York.





The Haines Shoe House

In 1948, Pennsylvanian shoe salesman Mahlon Haines decided to build house shaped

like a shoe. It comes complete with a living room in the toe, a kitchen in the heel, and two bedrooms in the ankle.
shoeFor the most part, Mahlon intended the five story house to be an advertisement for his business, but for a period of time, he did rent it out to couples. Now, the house is a tourist attraction.






The Headington Shark House

Shark HouseThis house actually isn’t that unusual—it’s what’s on its roof that makes it special. In 1986, on the 41st anniversary of the dropping of the atomic bomb on Nagasaki, Bill Heine installed the shark as an artistic protest. Since then, it’s graced his Oxford house, excepting a 2007 renovation.






The Winchester Mystery House

MysteryOdds are pretty good you’ve already heard of The Winchester Mystery House, but it’s hard to deny that it deserves a mention. When gun maker William Wirt Winchester died and left a fortune to his wife, Sarah Winchester, she traveled west to California on the advice of a psychic.
Of course, the psychic also told her that she must build a home—continuously—for herself and the ghosts of the victims killed by Winchester rifles. The construction went on for 38 years, up until Sarah’s death.
The result is a 160(ish) room house full of stairways that lead nowhere, unusable chimneys, and covered-up windows. It’s currently a tourist attraction.


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Branch of the Week

  • 25 Mar 2016
  • Posted by Admin

Congratulations to our Aberdeen Branch for winning this weeks Fun Fact Challenge!

Congratulations to our March Week 3 Winning Customers!

Fun Fact Challenge Customer of the Week:              Clarks Hardware - Centennial

Super Star Customers of the Week:


Steve Beyer SBGS Inc - Aberdeen

Steve Beyer-Aberdeen                        

Anita Konyak- Aberdeen    

 Anita Konyak-Aberdeen                                









National Puppy Week Winner: Laiden- Dundalk



Thank You to all of our customers that sent in their Branch Shout-Outs!

Check out the Previous Weeks Fun Fact Q&A and visit our Facebook Page to join in the fun!

2016 March Standings:                                                  
Rising Sun & Hampden    (Tied)                                                                    

2016 Branch of the Year Standings:  

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Branch of the Week

  • 18 Mar 2016
  • Posted by Admin

Congratulations to our Aberdeen Branch for winning this weeks Fun Fact Challenge!

Congratulations to our March Week 2 Winning Customers!

Fun Fact Challenge Customer of the Week:             Trey M-T - Rising Sun

Super Star Customer of the Week:                              Doug G- Aberdeen



FF CustomerThank You to all of our customers that sent in their Branch Shout-Outs!

Check out the Previous Weeks Fun Fact Q&A and visit our Facebook Page to join in the fun!



2016 March Standings:                                                  

Rising Sun & Hampden    (Tied)                                                                        

2016 Branch of the Year Standings:  

Maple Lawn


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