Howard Bank was built on making a difference. In seven years, we have grown from a smart idea to a full service community bank serving an ever-growing business community. 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 and lending solutions that make sense. Having local decision makers allows us to act quickly. Having experienced, knowledgeable bankers allows us to put together custom solutions to meet our customers' needs.