Howard Bank

Overview / Commentary
3301 Boston Street
Baltimore, MD 21224

Howard Bank is headquartered in Baltimore and is the 3rd largest bank in the state of Maryland. It is also the 408th largest bank in the nation. It was established in 2004 and as of June of 2020, it had grown to 232 employees at 16 locations. Howard Bank has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Howard Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #57776
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-2.06%
Return on Equity - YTD-15.4%
Annual Interest Income$43.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$2.46B$2.30B
LoansQ2 2020vs Q2 2019$1.88B$1.73B
DepositsQ2 2020vs Q2 2019$1.83B$1.72B
Equity CapitalQ2 2020vs Q2 2019$308.9MM$326.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$16.4MM$9.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$17.6MM$20.0MM
Real Estate OwnedQ2 2020vs Q2 2019$2.1MM$4.7MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Howard Bank Savings Account Rates

0.03%*$50k*-Health Savings Account
OTHER TIERS: 0.01% Up to $1k | 0.02% $1k - $50k
0.01%--Junior Savings
0.01%--Personal Savings
0.01%--Business Savings

Howard Bank Money Market Rates

0.12%*$100k*-Personal Money Market
OTHER TIERS: 0.01% Up to $1k | 0.02% $1k - $10k | 0.03% $10k - $50k | 0.05% $50k - $100k
0.04%*$100k*-Business Money Market
OTHER TIERS: 0.01% Up to $1k | 0.02% $1k - $50k | 0.03% $50k - $100k

Howard Bank Checking Account Rates

0.15%*$1m*-Community Business Checking
OTHER TIERS: 0.01% $10k - $1m
0.10%*$250k*-Premium Checking
OTHER TIERS: 0.01% Up to $10k | 0.03% $10k - $50k | 0.05% $50k - $250k
0.04%*$50k*-Relationship Checking
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $50k

Howard Bank CD Rates

0.25%$500-24 - 35 Month CD
0.25%$500-36 - 47 Month CD
0.25%$500-48 - 59 Month CD
0.25%$500-60 Month CD
0.20%$500-12 - 23 Month CD
0.15%$500-6 - 11 Month CD
0.10%$500-1 - 5 Month CD

Howard Bank IRA Rates

0.25%$500-24 - 35 Month IRA
0.25%$500-36 - 47 Month IRA
0.25%$500-48 - 59 Month IRA
0.25%$500-60 Month IRA
0.20%$500-12 - 23 Month IRA
0.15%$500-6 - 11 Month IRA
0.10%$500-1 - 5 Month IRA


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