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Overview / Commentary
6011 University Boulevard Suite 370
Ellicott City, MD 21043

Howard Bank is headquartered in Ellicott City and is the 6th largest bank in the state of Maryland. It is also the 397th largest bank in the nation. It was established in 2004 and as of March of 2018, it had grown to 481 employees at 29 locations. Howard Bank has a B+ 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-1.36%
Return on Equity - YTD-10.7%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$2.12B$1.05B
LoansQ1 2018vs Q1 2017$1.67B$876.3MM
DepositsQ1 2018vs Q1 2017$1.55B$866.9MM
Equity CapitalQ1 2018vs Q1 2017$293.8MM$115.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$6.1MM$5.4MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$31.1MM$6.0MM
Real Estate OwnedQ1 2018vs Q1 2017$5.1MM$2.4MM
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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

0.25%*$100k*-Howard Health Savings Account
OTHER TIERS: 0.10% Up to $1k | 0.15% $1k - $50k | 0.20% $50k - $100k
0.10%--Junior Savings
0.10%--Personal Savings
0.10%--Business Savings

Howard Bank Money Market Rates

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: 0.15% $1k - $10k | 0.25% $10k - $100k

Howard Bank Checking Account Rates

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
0.10%--Community Business Checking

Howard Bank CD Rates

2.45%$500$1m25 Month Bump Up CD Special
2.00%$500$1m13 Month Bump Up CD Special
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%--3 - 5 Month CD


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