Howard Bank

Overview / Commentary

www.howardbank.com

443-573-4800

3301 Boston Street
Baltimore, MD 21224

Howard Bank is headquartered in Baltimore and is the 3^rd largest bank in the state of Maryland. It is also the 400^th largest bank in the nation. It was established in 2004 and as of September of 2020, it had grown to 231 employees at 16 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 Q3 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57776
Year Established	2004
Employees	231
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.09%
Return on Equity - YTD	-8.29%
Annual Interest Income	$64.7MM

Assets and Liabilities
Assets	Q3 2020vs Q3 2019	$2.56B$2.29B
Loans	Q3 2020vs Q3 2019	$1.87B$1.77B
Deposits	Q3 2020vs Q3 2019	$1.98B$1.67B
Equity Capital	Q3 2020vs Q3 2019	$315.2MM$326.7MM
Loan Loss Allowance	Q3 2020vs Q3 2019	$18.0MM$9.6MM
Unbacked Noncurrent Loans	Q3 2020vs Q3 2019	$18.2MM$18.9MM
Real Estate Owned	Q3 2020vs Q3 2019	$1.2MM$3.9MM

Rates

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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
0.02%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.01% → Up to $50k
0.01%	-	-	Junior Savings
0.01%	-	-	Personal Savings
0.01%	-	-	Business Savings

Howard Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.03%^*	$50k^*	-	Personal Money Market
OTHER TIERS: 0.01% → Up to $10k \| 0.02% → $10k - $50k
0.03%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.01% → Up to $50k \| 0.02% → $50k - $100k

Howard Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$1m^*	-	Community Business Checking
OTHER TIERS: 0.01% → $10k - $1m
0.03%^*	$50k^*	-	Relationship Checking
OTHER TIERS: 0.02% → Up to $50k
0.03%^*	$10k^*	-	Premium Checking
OTHER TIERS: 0.01% → Up to $10k

Howard Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$500	-	24 - 35 Month CD
0.20%	$500	-	36 - 47 Month CD
0.20%	$500	-	48 - 59 Month CD
0.20%	$500	-	60 Month CD
0.15%	$500	-	12 - 23 Month CD
0.10%	$500	-	6 - 11 Month CD
0.05%	$500	-	1 - 5 Month CD

Howard Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$500	-	24 - 35 Month IRA
0.20%	$500	-	36 - 47 Month IRA
0.20%	$500	-	48 - 59 Month IRA
0.20%	$500	-	60 Month IRA
0.15%	$500	-	12 - 23 Month IRA
0.10%	$500	-	6 - 11 Month IRA
0.05%	$500	-	1 - 5 Month IRA

Locations

Availability

Baltimore Area

Baltimore Area bank & credit union details

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