Meet Frank Turner, EVP, Regional Executive Officer, Lending

  • 11 Jul 2017
  • Posted by Amarasco

Frank Turner knows commercial banking. With a long familial banking history, his father, grandfather, and his great grandfather were all bankers, Frank started with Mercantile in 1978 and remained when the bank was purchased by PNC. Frank joined Howard Bank in February 2013, when President and CEO, Mary Ann Scully invited him to join the Howard team.

“Mary Ann is such an inspiring leader and an extraordinary banker. Having spent my career in Baltimore banking and the commercial side of banking, with Mary Ann’s visions and the decision to focus on greater Baltimore, it was a good fit,” says Frank.Frank Turner

Commercial banking involves advice and relationships, and Frank is happy to join a team that is focusing on that. Frank notes that this attention is key. “Howard Bank’s focus on small and medium sized businesses in the greater Baltimore area advocates relationship building and maintaining. The only way to help a business work through a tough situation or take advantage of an opportunity is by having that relationship. At Howard Bank, our management team knows our borrowers.”

And the borrowers know their bankers. The senior management team meets with the management of the company. This consistency at the account level all the way to the management level keeps the Howard Bank team focused on their borrowers. This is the heart of Howard Bank, and this relationship focus is the differentiator for Howard Bank.

Frank observes, “Mary Ann has assembled a wonderful team of experienced bankers from different backgrounds and banking environments, but the whole team is focused on small to medium sized businesses. And providing banking services to those businesses. We’re a small bank with people that have had long and deep experience in commercial banking. And as we grow we continue to attract talented people.”

With Frank’s lengthy history in banking, he has seen changes in the industry over the years. Consolidation has been a major one. The number of banks has shrunk dramatically, for various reasons, but that loss means existing banks need to be much more focused. Howard Bank is uniquely focused in the commercial space. “We’re small enough to do it, but big enough to have the technology, and also the capability and lending limits to provide credit in the space and grow with the client,” says Frank.

Some of Frank’s favorite memories from Mercantile days underscore the culture of trust that existed there, and that now exists at Howard Bank. Notes Frank, “The relationship banking – that was what everyone remembers about Mercantile. That’s how Mercantile made their reputation.”

While much has changed in banking, there is much that remains the same. Although technology has changed the way clients interact with the bank, think mobile deposits and online banking, at the end of the day, decision-making about extending credit and providing service is people and relationship based. You can’t have a robot provide these relationships. Everyone is different. Each situation is unique. And a lot of it is evaluating the management of the small and medium sized companies that Howard Bank serves.

Regarding the future Frank says, “Mary Ann’s assessment of the marketplace and the need, and given what this management team has accomplished so far, the future looks bright.”

Read More

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

Read More

The Future of Branch Banking

  • 12 Sep 2016
  • Posted by Admin

As digital banking use continues to increase, bank branch traffic is decreasing. But that doesn’t signal the end of branch banking. Quite the contrary; the interactions that are occurring in the branches are very important.

While consumers want the convenience of online and mobile banking, when they are making a large purchase (think home or car), need financial advice or have a service need, a person-to-person connection is the overwhelming choice, not an app. When people are making a major financial decision that involves short and long term financial planning they really want that personal relationship. And this is what sets Howard Bank apart from other banks – a hands on approach.

Branch banking will continue to change over the next five to ten years. The trend of customers coming into the branch less for transactions and more for advice will continue. “Our branch layout will change from the standpoint that there’s no need to have a 4,000 square foot branch tomorrow; an 800 to 1,200 square foot branch storefront is more appropriate,” says Barry Luciani, Senior Vice President, Branch Executive at Howard Bank.

The core function of the branch has become relationship building. And this means that the

people in the branch are key. “They have to be equipped to problem solve and listen to customers and then come up with financial solutions. And they have to give value-added advice back to the customer,” says Luciani. “The days of accepting a check in our branches is going down. We’re seeing transaction counts decrease year over year. So now you have to go back and re-engineer. What does the branch really do now for today and tomorrow? It all goes back to providing advice and relationship building with our customers.”

Listening to customers and offering good customer service is important, whether that service is in-person, on the phone, or by electronic means. “At Howard Bank, we pride ourselves on customer service which is that hands on approach. We are proactively listening to our customers, because that’s really what drives coming up with those solutions,” notes Luciani, including electronic banking services such as online banking, online bill pay, mobile banking, and mobile deposit.

In addition to hands on service and financial technology, Howard’s size and community bank status offers great advantages to its customers. “We’re here, we’re in it, and the leaders understand the market. When you need to get to a decision maker, Mary Ann [Scully, President and CEO of Howard Bank] is only a thirty-minute drive or a phone call away. And the same with all the decision makers. If there’s a problem, we’re not calling Charlotte, Buffalo or Winston-Salem. We’re on the phone with the people who are involved with the day-to-day management of those processes. That really differentiates being a community bank, local, and managed in the Baltimore market.”

So while branch banking may be evolving, it is a positive change and will continue to be part of an overall hands on banking solution developed for the customer.

Read More

Team Liftouts as an Alternative to M&A / Evaluating Strategic Alternatives as a Prelude to a Sale / Banks’ Reaction to Shrinking Margins

  • 31 Aug 2016
  • Posted by Admin

 Click here to listen to the Podcast

Podcast Show Notes:

Our This Month In Banking (TMIB) podcast highlights significant news and events in banking and our hosts’ take on them, along with interviews with industry thought leaders. New episodes will be available on the last Wednesday of every month here, on Stitcher, Soundcloud, and iTunes for your listening enjoyment. Join us on your commute or at your desk.

Headshot MASTopic 1: Team Liftouts as an Alternative to M&A

Start time 6:20

Our guest, Mary Ann Scully, Chairman, President and Chief Executive Officer of Howard Bank, announced last week that they recently hired three BB&T commercial relationship managers. Howard Bank is a $989 million dollar bank headquartered in Ellicott City, Maryland.

Also, United Community Banks of Blairsville, GA, a $10.4 billion-asset company hired a four-person team from Community & Southern Bank in Atlanta that specializes in financing senior-care facilities. (C&S was sold last month to Bank of the Ozarks for $800 million.) The team has been able to tap into positive trends, originating more than $400 million of senior-care-related loans last year, and has booked $80 million in loans since joining United.

Are team lift outs more advantageous than M&A

Topic 2: Evaluating Strategic Alternatives as a Prelude to a Sale

Start time 23:50

Anchor Bancorp in Lacey, Washington, which has been facing pressure from a prominent activist investor to sell itself, has hired an investment bank to explore strategic options. The $419 million-asset company said in a press release Monday that it had hired Keefe, Bruyette & Woods to assist in a process that could include a sale.

What is the handicap that Anchor sells?

Topic 3: Banks’ Reaction to Shrinking Margins

Start time 30:45

Net interest margins have only gotten tighter this year. American Banker, in a slideshow, took a look at the reasons why, how much some banks are hurting and what certain institutions are doing to relieve the pressure.


Read More

Howard Bank Appoints Three Former BB&T Executives

  • 22 Aug 2016
  • Posted by Admin

08/22/16 citybizlist

Howard Bank, a growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area, announced today that it has hired Rick Botti, Senior Vice President and Relationship Manager Team Lead, Bart Boland, Senior Vice President and Senior Relationship Manager, and John Wasowicz, Senior Vice President and Senior Relationship Manager.

Boland and Wasowicz will be based in Howard Bank’s Parkville branch and work directly with Botti to refine and grow the bank’s commercial strategy and develop new business opportunities.

“We are always looking to bring on talented individuals whose experience will set Howard Bank apart from other financial institutions,” said Mary Ann Scully, Howard Bank’s Chairman, Chief Executive Officer and President. “These three executives add years of experience, deep market knowledge and will provide our

customers with excellent advice. We couldn’t be more pleased to add them to our growing team. This represents the latest step in Howard Bank’s commitment to be the go to commercial bank in Greater Baltimore.”

The three join the bank after Howard Bank hired James D. Witty, former Maryland Regional President for BB&T, as Executive Vice President and Chief Lending Officer. Witty has 27 years of banking experience.

A seasoned executive, Botti has more than 30 years of commercial banking experience in the Metro Baltimore area. Most recently, he was Commercial Team Lead for BB&T. While at BB&T, he was responsible for leading and managing a Commercial Team in its efforts to develop new business relationships, service and expand existing customer relatationships and achieve group goals to include deposit and loan growth, fee income and credit quality. Botti earned his master’s in business administration from Johns Hopkins University, where he also earned a B.A. in social and behavioral sciences.

Boland joins Howard Bank as Senior Vice President and Senior Relationship Manager. He previously was Vice President of BB&T, where he was responsible for acquiring new commercial loan and deposit relationships and preparing and presenting commercial loan requests to Credit Department and Commercial Loan Committee. Boland also managed a portfolio of over $70 million in outstanding commercial loans and more than $15 million in deposits. He earned a master’s in business administration from the University of Baltimore. He is a graduate of the University of Richmond where he earned a B.A. in political science.

A former BB&T Client Relationship Manager, Wasowicz joins the Howard Bank team as Senior Vice President and Senior Relationship Manager. As Client Relationship Manager at BB&T, Wasowicz was responsible managing relationships with various financial institutions and companies of diverse size, industry and financial complexity to conduct business development, portfolio management and deepen relationships. Wasowicz earned a B.A. in accounting from Loyola College, Baltimore.

About Howard Bank
Howard Bancorp is a bank holding company with total assets of $947 million as of Dec. 31, 2015. Its principal operating subsidiary, Howard Bank is a locally owned and managed, growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through 16 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). For more information visit,
Read More

Howard Bank taps three BB&T bankers to spearhead commercial growth

  • 22 Aug 2016
  • Posted by Admin

Aug 22, 2016, 2:01pm EDT

Baltimore Business Journal

Fast-growing Howard Bank has brought on three more employees from BB&T Corp. to help ramp up its commercial banking efforts.

The Ellicott City-based bank hired Rick Botti to lead its relationship management team. He will be joined by Bart Boland and John Wasowicz who will both be relationship managers. Boland and Wasowicz will be based in Howard Bank’s Parkville branch and work directly with Botti to grow the bank’s commercial strategy and develop new business opportunities.

The three join the bank four months after Howard snagged James D. Witty from Winston-Salem, N.C.-based BB&T to be its executive vice president and chief lending officer. Witty was previously BB&T's Maryland regional president.

Howard Bank CEO Mary Ann Scully has placed an emphasis on commercial banking. In a recent interview, she said she wants the bank to grow by

expanding its customer base. The lift-out from BB&T could help in that regard because hiring experienced employees means Howard also gets those people's relationships. Some of those clients who bank at BB&T could potentially move over to Howard.

“We are always looking to bring on talented individuals whose experience will set Howard Bank apart from other financial institutions,” Scully said in a statement.

At BB&T, Botti, who has more than 30 years of commercial banking experience in Baltimore, led the bank's commercial lending team. Boland was responsible for acquiring new commercial loan and deposit relationships. He also managed a portfolio of over $70 million in commercial loans and more than $15 million in deposits. Wasowicz was responsible for managing BB&T's relationships with various financial institutions.

Howard, a subsidiary of holding company Howard Bancorp (NASDAQ: HBMD), has been growing quickly. Howard acquired Patapsco Bank and the assets of NBRS Financial Bank in the last two years, and hired some of the top people from other banks, including former Carrollton Bancorp CEO Robert A. Altieri. The bank currently has 16 branches and assets of nearly $1 billion.

About Howard Bank
Howard Bancorp is a bank holding company with total assets of $947 million as of Dec. 31, 2015. Its principal operating subsidiary, Howard Bank is a locally owned and managed, 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

Read More

Daily Record Newspaper Names Mary Ann Scully to Maryland’s Most Admired CEO List for a Third Year

  • 14 Jul 2016
  • Posted by Admin

Contact: Bill Atkinson | 443-797-4150 | [email protected]

Headshot MASHoward Bank Chief Executive Officer Mary Ann Scully has been named one of Maryland's Most Admired CEOs by The Daily Record for a third year. Ms. Scully was honored on the elite list in 2012 and 2015.

The Daily Record’s annual list is an exclusive ranking of top business CEOs, nonprofit executives and community leaders in Maryland who are judged by a panel of business and legal professionals on professional accomplishments, community service, leadership and vision. Ms. Scully was selected among 25 other Maryland business CEOs and leaders.

“It is a privilege to be regarded among the top business leaders and professionals in Maryland,” said Ms. Scully. “Receiving this honor for the third year speaks volumes of the hard work, dedication and talent of our Howard Bank team. Without them none of this would have been possible.”

"This year's Most Admired CEOs inspire

and motivate others to achieve their goals," said Suzanne Fischer-Huettner, publisher of The Daily Record. "They understand that they cannot succeed by themselves and have learned the value of surrounding themselves with great team members who believe in their organization's core values and mission. The Daily Record is pleased to recognize this year's honorees."

Ms. Scully is a leading banker with more than 30 years of experience in the industry. Since founding Howard Bank in 2003, Ms. Scully continues to emphasize that building a strong team is an essential component to any successful business or organization. “We want to build a bank that not only has an impact on the communities it serves, but leaves a legacy,” said Ms. Scully. “How do you leave a legacy? Hire leaders motivated and talented enough to make a difference.”

In addition to her rank on Maryland’s Most Admired CEO List, Ms. Scully was also recognized by The Daily Record as Maryland’s Most Influential this year for a third time. She was previously honored on the exclusive Influential Marylander list in 2008 and 2012.

To learn more about The Daily Record’s Maryland Most Admired CEO list, visit:


About Howard Bank

Howard Bancorp is a bank holding company with total assets of $947 million as of Dec. 31, 2015. Its principal operating subsidiary, Howard Bank is a locally owned and managed, growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through 16 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). For more information visit,

Read More

Howard Bank’s Danielle Mullin Completes LEADERSHIP Baltimore County Program

  • 28 Jun 2016
  • Posted by Admin

The competitive program selects local business leaders to engage in activities designed to stimulate personal, professional and communal growth.

Contact: Bill Atkinson | 443-797-4150 | [email protected]

Danielle Mullin, Vice President and Commercial Relationship Manager at Howard Bank’s Towson branch, Mullincompleted Baltimore County’s rigorous eight-month LEADERSHIP program.

Mullin and 40 other handpicked participants from local business, government, nonprofit and educational sectors, graduated from the LEADERSHIP class of 2016 on June 6th.

The program allowed participants to explore challenges facing Baltimore County, such as economic development, public safety, social services, education, county and state government and health. The activities range from police ride-longs to working in homeless shelters. Participants were encouraged to develop long-term relationships with key community leaders and policy setters to help brainstorm solutions to community issues.

Mullin said some of her most memorable

experiences during her participation in the program, included a day meeting a panel of Patapsco High School students facing serious issues, such as teen pregnancy, family deaths, and transgender stigmas. “Looking at issues with kids in the county is eye opening,” Mullin said. “Things aren’t always what they seem. What you think going into something might not be what it is until you learn the details.”

Mullin, who lives in Harford County, has worked at Howard Bank’s Towson branch for the last two years and applied to the program to gain a more balanced view of the community. The program opened her eyes to issues that are less apparent in the community, such as drug addiction in local precincts, and allowed her to better understand how to get involved in addressing these issues in the county.

Mullin’s LEADERSHIP experience also allowed her to draw parallels between her professional life and Baltimore County; much like the entrepreneurial spirit of Howard Bank, Baltimore County is rapidly growing and changing. “LEADERSHIP was a unique opportunity to learn more about the community in which I work everyday,” said Mullin. “It is incredibly important to understand the community and get involved.”


About Howard Bank

Howard Bancorp is a bank holding company with total assets of $947 million as of Dec. 31, 2015. Its principal operating subsidiary, Howard Bank is a locally owned and managed, growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through 16 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). For more information visit,

Read More

This Thanksgiving: A Choice

  • 25 Nov 2015
  • Posted by Admin


From all of us at Howard Bank we wish you and yours a very Happy Thanksgiving.

It’s that time of year once again—the time when we offer our thanks for our blessings. In preparation for doing so, it’s important to remember that some have more thanks to offer than others, and to remember those when celebrating our own good fortune.

The subject of economic inequality is one frequently mentioned these days by government leaders and social scientists, not to mention Federal Reserve chairmen and countless economists. Despite the bank bashing that still occurs, eight years after the crisis, those of us who are community bankers spend much of our time, professionally and personally, trying to correct some of those inequalities through our age-old role as facilitators and intermediaries. We provide funding to those who are not liquid, but are seeking advantage, by responsibly investing the proceeds from those who are more liquid, if not more advantaged, into our own community. However we also spend a great deal of time trying to understand the larger picture—the reality of, the magnitude of and the root causes of inequality. 

From time immemorial, or at least since the Industrial Revolution, there have been “have” and “have not” countries, thus the nomenclature of the developed versus the undeveloped world. A book I recently read by Angus Deaton, “The Great Escape”, details the departure from destitution over time. Now, what many of us now find more disturbing, is the fact that there are great gaps within developed countries—including our own. Thomas Piketty’s tome, “Capital in the Twenty-First Century” attempts to explain these gaps as an over rewarding of capital versus labor. In a society that has benefitted greatly over the centuries from capitalism, some of his theories are challenging. Nonetheless, the thoughtful questioning is positive. Only by acknowledging a problem can we begin to solve it.

A takeaway from both of these books, numerous articles, podcasts and debates is that perhaps the gap of most importance is the gap of choice. Only choice can offset chance. Those of us who live in the Greater Baltimore area see this particular gap as one root cause of all the other drivers of advantaged versus disadvantaged in our region. From one of the wealthiest counties in the country, to a city with some of the most troubled and non-upwardly mobile neighborhoods in the country, is a drive of less than 20 miles.

It’s true that the residents of even the most troubled neighborhoods have better medical care and access to utilities than someone in a developing nation, but do they have a choice? Which of us has the ability to choose our home, our occupation and our leisure activities? Only those of us who have been exposed to something beyond where we started, who have been granted both a view of the path to something better and a road map to navigate the path. All of those aspirations first involve an awareness of, and access to, alternatives—and then a willingness to change and a need to believe that our own hard work will move us forward. What’s so often missing is the awareness and access, not the willingness and belief.

So my thanks this season is that Howard Bank has had a choice to both grow, and to give back, and, in the process of seizing both choices, has made a difference in the lives of more colleagues, more customers, more communities and more shareholders than we did last year. We have a clear vision of the path and a roadmap to navigate it to something better. We acknowledge that it’s not always easy to make choices; sometimes it feels easier to let others make the choices. It’s certainly easier to blame others when our choices are bad than to blame ourselves—but I thank God every day for the ability to choose.

My challenge this season is to acknowledge that not everyone in our communities have these choices, and to recommit ourselves to opening up the world to those less advantaged by creating awareness through education at all ages and access to opportunities.

Read More

Your History Lesson, featuring the ATM

  • 20 Oct 2015
  • Posted by Amarasco

ATM-PhotoATM, cashpoint, hole in the wall...regardless of how you refer to it, chances are you’ve experienced standing in front of one, and in line for one, more than you realize. Maybe you’ve been outside in subzero temperatures, maybe an absurd service fee has been inflicted upon you, or even a combination of the two.

Nearing its 50-year anniversary, the now ubiquitous cash dispenser made its debut in 1967. Though its uniqueness is undeniable, its origins are a bit knotty. It’s been said the first cash machine appeared in Japan, though there’s very little published on the matter. Whether or not that’s true, Europe certainly had the most successful implementation of after-hours cash dispensers, a response from bankers to the rising labor costs and unionization.

The automated teller machines of today are essentially the culmination of several inventions from multiple people over a few decades. The history is confusing, but we’ve decided to take it upon us to break it down.

In 1960, American inventor and businessman Luther Simjian persuaded a New York City bank to purchase a few of his Bankograph machines, a machine that could accept cash or check deposits at any time of day or night. So that customers could trust that they would in fact see their loot again, a camera inside took a snapshot of each deposit, dispensing a photocopy receipt.

Well, unfortunately for Simjian, his automatic-deposit machines didn’t quite take off, quite possibly due to his niche market. “The only people using the machines were prostitutes and gamblers who didn’t want to deal with tellers face to face,” he once said.

Then there was John Shepherd-Barron. A Scottish inventor, it’s been said he had a flash of genius for a cash dispensing machine while soaking in the bathtub. Using paper vouchers printed with radioactive ink, Shepherd-Barron’s first ATM was installed at a Barclays branch in London during 1967. Customers entered an identification code and withdrew a maximum of £10, translating to about $15 today.

By the end of the 1960s, engineer, and former professional baseball player, Donald Wetzel had the first automated banking machine installed in the U.S. on Long Island. This machine, like today, used plastic cards where account information was stored in magnetic strips. Dozens of banks followed suit, outfitting their branches and installing ATMs in cities and beyond.

The true value of ATMs was confirmed in 1977, when Citibank’s chairman had ATMs installed throughout New York City – that winter a blizzard dumped some 17 inches of snow that blanketed the city and essentially shut it down. ATM use increased by 20 percent during that snowstorm.

Several bankers, engineers and inventors would’ve liked to lay claim to the birth of the ATM. But in reality it was the culmination of each of them attempting to design a different aspect of a machine that would one day even be in Antarctica.

Pretty cool, right?

(And even cooler: Howard Bank does not charge ATM fees.)


Want to learn more?
Automated Teller Machines
A Brief History of the ATM
Long Live the ATM
Top 10 Things You Didn't Know About Money
Read More


Locate brances/ATMs

Locate Branches/ATMS

Schedule Appointments

Request An Appointment

What do you want to talk about?

Contact Us

Contact Us

Call us at 410-750-0020 OR Email us