Howard Bank is a full service commercial bank focused on making a difference in the communities within Greater Baltimore which we serve. We have grown from a smart idea to a full service community bank. Historically, the bank has focused on combining high touch outreach with expert advice and a broad array of commercial services for growing small and medium sized businesses. We understand the challenges and opportunities facing a growing business like yours because we are one. First, we listen and then we respond with financial solutions that make sense. Having local decision makers allows us to act quickly. Having experienced, knowledgeable bankers allows us to put together solutions to meet our customers’ needs. Howard Bancorp is a bank holding company with total assets of $691.4 million as of December 31, 2014. Its principal operating subsidiary, Howard Bank is a locally owned and managed, growth-focused community bank serving small and midsized businesses, professionals and individuals in the Greater Baltimore area through 13 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). .