2020 Holiday Wishes From Howard Bank

  • 17 Dec 2020
  • Posted by Mary Ann Scully

As we close the curtains on an unforgettable year, we extend our sincerest gratitude to all of our customers, partners, and supporters. Hear a special message in the video below from Mary Ann Scully, Howard Bank's CEO and Chairman, along with Rob Kunisch, the bank's President and COO.

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2019 Holiday Wishes From Howard Bank

  • 13 Dec 2019
  • Posted by ccrossen

It’s the jolliest time of the year! We wish you and your families a happy holiday season filled with health, happiness, and success. Thank you for being a part of our Howard Bank family.
We look forward to another year of opportunities and serving you in the New Year.


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The Giving Season

  • 28 Oct 2019
  • Posted by ccrossen

The holiday season is a time to give back and Howard Bank is proud to serve as a Toy Drop Site Location for the U.S. Marine Corps Toys for Tots campaign again this year. The mission of the Toys for Tots program is to collect and distribute new toys as Christmas gifts to children in need in the community.

For more than six decades, the U.S. Marine Corps has distributed over 452 million toys to more than 209 million children. The program doesn’t just deliver toys, it delivers hope. In 2018, the Baltimore community supported 14,462 children with 32,157 toys distributed. This year, SSgt Johnathan Bowman will be coordinating Baltimore City, Baltimore County, and Howard County.

You can help bring toys and hope to the children of the community by dropping off a new, unwrapped toy to one of our branches from Monday, November 4th to Friday, December 6th.

Toys for Tots has volunteer opportunities too! Consider giving back by helping to sort toys in the warehouse, assist with collection and/or delivery, or organizing by zip codes.

To learn more about Toys for Tots, the impact made in a specific community, or volunteer opportunities, please visit www.toysfortots.org.

Happy holidays to all!

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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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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, 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. The only choice can offset the 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 fewer 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 has 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.

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This Thanksgiving: A Thank You and a Promise

  • 26 Nov 2014
  • Posted by Amarasco

On behalf of everyone at Howard Bank, I’d like to wish you and your family a very happy Thanksgiving. Although it’s customary to focus on our blessings on this specific day, I hope all our employees and customers know just how thankful and appreciative I am for them all year round. As a quickly growing, community-centered bank with an ever-increasing presence in the central Maryland region, it’s obvious that our success is not due to any one person or initiative–the success is shared and we’re all part of it. To our incredible Howard Bank employees, I want you to know that I see your hard work and dedication. Thank you. To our fantastic customers who have helped make Howard Bank what it is today, thank you for trusting us on your financial journey. This year we proudly celebrate our 10-year anniversary and we are excited to have so many new customers joining us at such a special time in our bank’s history. I assure you that each and every Howard Bank employee will work hard to help you feel right at home during your transition to our bank. We’re thankful for the opportunity to serve our new customers and communities as well as welcome many new staff to the Howard Bank team. To those of you who have been with us a long time (many since the beginning), know that I count each one of you as part of our recipe for success and together, we’ll see another fantastic year together. While it’s hard to believe that 2014 is coming to an end, Thanksgiving is a timely reminder that we can’t lose our spirit of gratefulness in the midst of all the busyness. From our family to yours, Happy Thanksgiving.

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