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 417^th largest bank in the nation. It was established in 2004 and as of March of 2021, it had grown to 235 employees at 16 locations. Howard Bank has an A+ health rating.

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2006

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

A+

Data as of Q1 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57776
Year Established	2004
Employees	235
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	8.41%
Annual Interest Income	$21.2MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$2.63B$2.51B
Loans	Q1 2021vs Q1 2020	$1.93B$1.75B
Deposits	Q1 2021vs Q1 2020	$2.05B$1.79B
Equity Capital	Q1 2021vs Q1 2020	$319.8MM$340.6MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$18.4MM$13.4MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$14.6MM$17.4MM
Real Estate Owned	Q1 2021vs Q1 2020	$629.00K$2.3MM

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
0.02%^*	$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
0.02%^*	$50k^*	-	Personal Money Market
OTHER TIERS: 0.01% → Up to $50k
0.02%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.01% → Up to $100k

Howard Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$1m^*	-	Community Business Checking
OTHER TIERS: 0.01% → $10k - $1m
0.02%^*	$50k^*	-	Extra+ Checking
OTHER TIERS: 0.01% → Up to $50k

Howard Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$500	-	48 - 59 Month CD
0.15%	$500	-	60 Month CD
0.10%	$500	-	24 - 35 Month CD
0.10%	$500	-	36 - 47 Month CD
0.05%	$500	-	6 - 11 Month CD
0.05%	$500	-	12 - 23 Month CD
0.03%	$500	-	1 - 5 Month CD

Howard Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$500	-	48 - 59 Month IRA
0.15%	$500	-	60 Month IRA
0.10%	$500	-	24 - 35 Month IRA
0.10%	$500	-	36 - 47 Month IRA
0.05%	$500	-	6 - 11 Month IRA
0.05%	$500	-	12 - 23 Month IRA
0.03%	$500	-	1 - 5 Month IRA

Locations

Availability

Baltimore Area

Baltimore Area bank & credit union details

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