Vitals
  • Total Assets
    1.0B 8.4 %
  • Total Deposits
    821.0M 8.0 %
  • Total Net Loans
    866.2M 7.6 %
  • Net Income
    5.9M 299.4 %
  • Book Value
    90.8M 6.8 %
  • Book Value x2
    181.7M 6.8 %
  • Book Value x3
    272.5M 6.8 %
ROAA

.608

ROAE

6.7

Efficiency Ratio

77.277

Net Interest Margin

3.79

Balance Sheet Highlights
Financial Highlights Howard Bank All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 1,027,051 804,628
Total Net Loans 866,150 615,155
Total Deposits 820,969 644,089
Total Equity 90,826 83,729
Profitability
Net Income 5,895 6,445
Return on Average Assets .608 .743
Return on Average Equity 6.7 7.02
Net Interest Margin 3.79 3.678
Efficiency Ratio 77.277 72.114
Noninterest Income/Revenue 27.361 18.691
Balance Sheet Ratios
Loan-to-Deposit 105.503 90.195
Securities/Assets .044 .114
Total Equity/Total Assets .088 .104
Tangible Equity/Tangible Assets .086 .093
Capital Adequacy
Tier 1 Common Capital 88,267 74,463
Tier 1 Capital 88,267 75,572
Tier 2 Capital 6,429 7,498
Total Capital 94,696 83,523
Total Risk Weighted Assets 859,911 632,592
Leverage Ratio 8.82 9.794
Common Equity Tier 1 Capital Ratio 10.26 12.533
Tier 1 Capital Ratio 10.26 12.687
Total Capital Ratio 11.01 13.794

Timeline for Howard Bank

The Patapsco Bank

Acquisition: Howard Bank acquired a new subsidiary, The Patapsco Bank, 8 years

View Profile Aug 29 2015

Nbrs Financial

Acquisition: Howard Bank acquired a new subsidiary, Nbrs Financial, 9 years

View Profile Oct 18 2014

Hb Real Estate Holdings, Llc.

Hb Real Estate Holdings, Llc. became a new subsidiary organization for Howard Bank.

View Profile Jul 14 2010

Howard Bancorp, Inc.

Howard Bancorp, Inc. became a new parent organization for Howard Bank.

View Profile Dec 15 2005

Howard Bank

Howard Bank was established 19 years ago and is currently headquartered in Ellicott City, MD.

Aug 09 2004
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Patapsco Bank Seller 218,742 Acquisition Discontinued 8/29/2015
Nbrs Financial Seller 155,353 Failure 10/18/2014
Relationships Role Relationship Start Relationship End
Howard Bancorp, Inc. Parent 12/15/2005
Hb Real Estate Holdings, Llc. Subsidary 7/14/2010
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