Howard Bank

Overview / Commentary

www.howardbank.com

410-750-3285

3301 Boston Street
Baltimore, MD 21224

Howard Bank is headquartered in Baltimore and is the 6^th largest bank in the state of Maryland. It is also the 381^st largest bank in the nation. It was established in 2004 and as of June of 2019, it had grown to 321 employees at 20 locations. Howard Bank has an A health rating.

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8/20 - Howard Bank (MD) Adds 29-Month Bump Up CD

4/6 - 2.75% 12-Month CD at NBRS Financial Bank in MD & PA

11/22 - 5.70% 30-Month CD at a Maryland Bank (Howard)

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	57776
Year Established	2004
Employees	321
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	4.53%
Annual Interest Income	$45.9MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$2.30B$2.18B
Loans	Q2 2019vs Q2 2018	$1.73B$1.66B
Deposits	Q2 2019vs Q2 2018	$1.72B$1.57B
Equity Capital	Q2 2019vs Q2 2018	$326.2MM$291.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$9.1MM$6.6MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$20.0MM$28.9MM
Real Estate Owned	Q2 2019vs Q2 2018	$4.7MM$4.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$25k^*	-	Howard Health Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	-	-	Junior Savings
0.10%	-	-	Personal Savings
0.10%	-	-	Business Savings

Howard Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.10% → Up to $1k \| 0.15% → $1k - $10k \| 0.25% → $10k - $100k
0.35%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.10% → Up to $1k \| 0.15% → $1k - $10k \| 0.25% → $10k - $100k

Howard Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$250k^*	-	Howard Premium Checking
OTHER TIERS: 0.15% → Up to $10k \| 0.25% → $10k - $250k
0.25%^*	$100k^*	-	Howard Relationship Checking
OTHER TIERS: 0.10% → Up to $1k \| 0.15% → $1k - $50k \| 0.20% → $50k - $100k
0.25%^*	$1m^*	-	Community Business Checking
OTHER TIERS: 0.10% → $100 - $1m

Howard Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	-	-	60 Month CD
1.00%	-	-	48 - 59 Month CD
0.75%	-	-	36 - 47 Month CD
0.50%	-	-	24 - 35 Month CD
0.35%	-	-	12 - 23 Month CD
0.20%	-	-	6 - 11 Month CD
0.10%	-	-	1 - 5 Month CD

Howard Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	-	-	60 Month IRA
1.00%	-	-	48 - 59 Month IRA
0.75%	-	-	36 - 47 Month IRA
0.50%	-	-	24 - 35 Month IRA
0.35%	-	-	12 - 23 Month IRA
0.20%	-	-	6 - 11 Month IRA
0.10%	-	-	1 - 5 Month IRA

Locations

Availability

Baltimore Area

Baltimore Area bank & credit union details

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