Howard Bancorp Inc 股票：股价与高管交易 · 美国

Howard Bancorp Inc. (ticker HBMD) was a U.S.-listed bank holding company that historically traded on NASDAQ before being acquired by F.N.B. Corporation. For investors, Howard is best understood as a regional community and commercial bank with a highly local franchise rather than a diversified financial conglomerate. The company was headquartered in Baltimore City, Maryland, in the United States. Howard Bancorp was incorporated in April 2005 as the holding company for Howard Bank, while Howard Bank itself was formed in March 2004 and began banking operations in August 2004. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1390162/000110465921037217/hbmd-20201231x10k.htm?utm_source=openai))

Howard Bank’s core business was general commercial banking. It served small and mid-sized businesses, professional clients, real estate developers, and retail customers, with an emphasis on relationship banking and local credit decision-making. Its funding model was centered on deposits, while its earnings engine came primarily from commercial loans and real estate-related lending. The bank operated 13 full-service branches across the Greater Baltimore area and the broader Washington, D.C. corridor, giving it a concentrated but meaningful footprint in the Mid-Atlantic region. That geographic focus is important: Howard was not a national player, but a targeted franchise built around deep local market knowledge. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1390162/000110465921037217/hbmd-20201231x10k.htm?utm_source=openai))