Howard Bancorp, Inc. (Howard Bancorp) is a bank holding company for Howard Bank, a trust company operating as a commercial bank. The Bank is engaged in a general commercial banking business, making various types of loans and accepting deposits. It markets its financial services to small to medium-sized businesses and their owners, professionals, and high-net-worth individuals. The Company offers a variety of deposit accounts with a range of interest rates and terms. The Company has four full service branches located Ellicott City, Columbia, Laurel and western Ellicott City, Maryland. This fifth branch provides all services except for cash services. Effective August 16, 2013, Howard Bancorp Inc acquired Cecil Bank�s Aberdeen, Maryland branch office from Cecil Bancorp Inc. Effective August 28, 2014, Howard Bancorp Inc, through Howard Bank, acquired Havre de Grace-based NBRS Financial Bank.