Howard Bancorp (HBMD) 10-Q 8 Nov 19 2019 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2019	Oct. 31, 2019
Document And Entity Information
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Registrant Name	Howard Bancorp Inc
Entity Central Index Key	0001390162
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Trading Symbol	HBMD
Entity Common Stock, Shares Outstanding		19,081,777
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 74,655	$ 100,976
Federal funds sold	354	522
Total cash and cash equivalents	75,009	101,498
Securities available for sale, at fair value	164,026	223,858
Securities held to maturity, at amortized cost	9,750	9,250
Nonmarketable equity securities	13,642	11,786
Loans held for sale, at fair value	46,713	21,261
Loans and leases, net of unearned income	1,729,880	1,649,751
Allowance for credit losses	(9,598)	(9,873)
Net loans and leases	1,720,282	1,639,878
Bank premises and equipment, net	42,693	45,137
Goodwill	65,949	70,697
Core deposit intangible	9,186	11,482
Bank owned life insurance	75,364	74,153
Other real estate owned	3,926	4,392
Deferred tax assets, net	36,049	35,285
Interest receivable and other assets	30,886	17,837
Total assets	2,293,475	2,266,514
LIABILITIES
Noninterest-bearing deposits	442,549	429,200
Interest-bearing deposits	1,213,074	1,256,606
Total deposits	1,655,623	1,685,806
Short-term borrowings	274,161	134,576
Long-term borrowings	28,191	142,077
Accrued expenses and other liabilities	26,748	9,372
Total liabilities	1,984,723	1,971,831
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock - par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,081,777 shares at September 30, 2019 and 19,039,347 at December 31, 2018	191	190
Capital surplus	276,431	275,843
Retained earnings	29,258	18,277
Accumulated other comprehensive income	2,872	373
Total stockholders' equity	308,752	294,683
Total liabilities and stockholders' equity	$ 2,293,475	$ 2,266,514

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2019	Dec. 31, 2018
Consolidated Balance Sheets
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	19,081,777	19,039,347
Common stock, shares outstanding	19,081,777	19,039,347

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
INTEREST INCOME
Interest and fees on loans and leases	$ 21,183	$ 20,927	$ 62,880	$ 54,293
Interest and dividends on securities	1,499	1,172	5,095	2,856
Other interest income	273	337	909	812
Total interest income	22,955	22,436	68,884	57,961
INTEREST EXPENSE
Deposits	4,062	2,322	11,630	5,401
Short-term borrowings	1,204	573	2,539	1,980
Long-term borrowings	474	894	2,672	1,905
Total interest expense	5,740	3,789	16,841	9,286
NET INTEREST INCOME	17,215	18,647	52,043	48,675
Provision for credit losses	608	696	3,443	3,241
Net interest income after provision for credit losses	16,607	17,951	48,600	45,434
NONINTEREST INCOME
Service charges on deposit accounts	726	651	2,037	1,567
Realized and unrealized gains on mortgage banking activity	2,054	986	5,847	4,424
Gain (loss) on the sale of securities			658	(139)
(Loss) Gain on the disposal of bank premises & equipment		236	(83)	236
Income from bank owned life insurance	485	454	1,392	1,159
Loan fee income	984	843	3,022	4,768
Other operating income	784	686	2,537	2,162
Total noninterest income	5,033	3,856	15,410	14,177
NONINTEREST EXPENSE
Compensation and benefits	7,939	8,691	24,245	26,171
Occupancy and equipment	1,442	1,990	8,196	6,157
Amortization of core deposit intangible	745	834	2,296	2,056
Marketing and business development	545	540	1,486	2,649
Professional fees	747	743	2,250	1,766
Data processing fees	1,172	1,152	3,697	2,800
Merger and restructuring expense		(212)		15,461
FDIC assessment	36	430	604	844
Other real estate owned	393	83	524	102
Loan production expense	761	680	1,981	2,932
Other operating expense	1,625	1,465	4,438	3,750
Total noninterest expense	15,405	16,396	49,717	64,688
INCOME (LOSS) BEFORE INCOME TAXES	6,235	5,411	14,293	(5,077)
Income tax expense (benefit)	1,598	1,432	3,312	(1,103)
NET INCOME (LOSS)	$ 4,637	$ 3,979	$ 10,981	$ (3,974)
NET INCOME (LOSS) PER COMMON SHARE
Basic	$ 0.24	$ 0.21	$ 0.58	$ (0.23)
Diluted	$ 0.24	$ 0.21	$ 0.58	$ (0.23)

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Comprehensive (Loss) Income
Net Income (Loss)	$ 4,637	$ 3,979	$ 10,981	$ (3,974)
Other comprehensive income (loss) Investments available-for-sale:
Reclassification adjustment for (gain) loss			(658)	139
Related income tax			181	(38)
Unrealized holding gains (losses)	516	(146)	4,106	(434)
Related income tax (expense) benefit	(141)	58	(1,130)	129
Comprehensive income (loss)	$ 5,012	$ 3,891	$ 13,480	$ (4,178)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive income (loss)	Total
Balance at Dec. 31, 2017	$ 98	$ 110,387	$ 22,105	$ (337)	$ 132,253
Balance (in shares) at Dec. 31, 2017	9,820,592
Net (loss) income			(3,974)		(3,974)
Net unrealized (loss) gain on securities				(204)	(204)
Acquisition of First Mariner Bank	$ 92	164,486			164,578
Acquisition of First Mariner Bank (in shares)	9,143,222
Director stock awards		217			217
Director stock awards (in shares)	11,868
Exercise of options		71			71
Exercise of options (in shares)	6,590
Stock-based compensation		609			609
Stock-based compensation (in shares)	51,592
Balance at Sep. 30, 2018	$ 190	275,770	18,131	(541)	293,550
Balance (in shares) at Sep. 30, 2018	19,033,864
Balance at Jun. 30, 2018	$ 190	275,581	14,152	(453)	289,470
Balance (in shares) at Jun. 30, 2018	19,008,960
Net (loss) income			3,979		3,979
Net unrealized (loss) gain on securities				(88)	(88)
Director stock awards		116			116
Director stock awards (in shares)	7,068
Exercise of options		36			36
Exercise of options (in shares)	3,306
Stock-based compensation		37			37
Stock-based compensation (in shares)	14,530
Balance at Sep. 30, 2018	$ 190	275,770	18,131	(541)	293,550
Balance (in shares) at Sep. 30, 2018	19,033,864
Balance at Dec. 31, 2018	$ 190	275,843	18,277	373	294,683
Balance (in shares) at Dec. 31, 2018	19,039,347
Net (loss) income			10,981		10,981
Net unrealized (loss) gain on securities				2,499	2,499
Director stock awards		127			127
Director stock awards (in shares)	9,202
Exercise of options	$ 1	115			116
Exercise of options (in shares)	13,418
Employee stock purchase plan		280			280
Employee stock purchase plan (in shares)	19,539
Repurchased shares		(68)			(68)
Repurchased shares (in shares)	(4,900)
Stock-based compensation		134			134
Stock-based compensation (in shares)	5,171
Balance at Sep. 30, 2019	$ 191	276,431	29,258	2,872	308,752
Balance (in shares) at Sep. 30, 2019	19,081,777
Balance at Jun. 30, 2019	$ 191	276,218	24,621	2,497	303,527
Balance (in shares) at Jun. 30, 2019	19,063,080
Net (loss) income			4,637		4,637
Net unrealized (loss) gain on securities				375	375
Director stock awards		65			65
Director stock awards (in shares)	4,400
Exercise of options		11			11
Exercise of options (in shares)	1,269
Employee stock purchase plan		183			183
Employee stock purchase plan (in shares)	12,757
Repurchased shares		(68)			(68)
Repurchased shares (in shares)	(4,900)
Stock-based compensation		22			22
Stock-based compensation (in shares)	5,171
Balance at Sep. 30, 2019	$ 191	$ 276,431	$ 29,258	$ 2,872	$ 308,752
Balance (in shares) at Sep. 30, 2019	19,081,777

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	$ 10,981	$ (3,974)
Adjustments to reconcile net income (loss) to net cash from operating activities:
Provision for credit losses	3,443	3,241
Deferred income tax	3,034	1,528
Provision for other real estate owned	367
Depreciation and amortization	1,785	1,849
Stock-based compensation	529	826
Net (accretion) amortization of investment securities	(39)	29
Net accretion of discount on purchased loans	(1,309)	(1,825)
(Gain) loss on sales of securities	(658)	139
Loss (gain) on the sale of property	83	(236)
Net amortization of intangible asset	2,296	2,056
Loans originated for sale	(419,588)	(497,678)
Proceeds from sale of loans originated for sale	399,983	544,191
Realized and unrealized gains on mortgage banking activity	(5,847)	(4,424)
Loss (gain) on sales of other real estate owned, net	1	(50)
Cash surrender value of BOLI	(1,392)	(1,159)
Decrease in interest receivable	192
Increase in interest payable	110	462
Decrease in other assets	825	4,681
Increase (decrease) in other liabilities	1,517	(3,639)
Net cash (used in) provided by operating activities	(3,687)	46,017
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment securities available-for-sale	(24,046)	(44,535)
Purchases of investment securities held-to-maturity	(500)
Proceeds from sale/maturities of investment securities available-for-sale	87,365	116,916
Net increase in loans and leases outstanding	(83,078)	(24,062)
Proceeds from the sale of other real estate owned	1,028	978
Purchase of premises and equipment	(539)	(1,943)
Proceeds from the sale of premises and equipment	1,392	1,659
Cash acquired in acquisition		29,285
Net cash (used in) provided by investing activities	(18,378)	78,298
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits	(30,183)	54,287
Net increase (decrease) in short-term borrowings	139,586	(215,048)
Net (decrease) increase in long term debt	(113,886)	109,061
Net proceeds from issuance of common stock, net of cost	127	71
Repurchase of common stock	(68)
Net cash used in financing activities	(4,424)	(51,629)
Net increase in cash and cash equivalents	(26,489)	72,686
Cash and cash equivalents at beginning of period	101,498	28,972
Cash and cash equivalents at end of period	75,009	101,658
SUPPLEMENTAL INFORMATION
Cash payments for interest	16,732	8,549
Cash payments for income taxes	0	0
Transferred from loans to other real estate owned	375	174
Cash payments for operating leases	1,069	2,464
Assets acquired in business combination (net of cash received)		971,431
Liabilities assumed in business combination		$ 897,569
Lease liabilities arising from obtaining right of use assets (see Note 8)	$ 18,009

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2019
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 1: Summary of Significant Accounting Policies Nature of Operations On December 15, 2005, Howard Bancorp, Inc. (“Bancorp”) acquired all of the stock and became the holding company of Howard Bank (the “Bank”) pursuant to the Plan of Reorganization approved by the stockholders of the Bank and by federal and state regulatory agencies. Each share of the Bank’s common stock was converted into two shares of Bancorp common stock effected by the filing of Articles of Exchange on that date, and the stockholders of the Bank became the stockholders of Bancorp. The Bank has seven subsidiaries, six of which are intended to hold foreclosed real estate (three of which are inactive) and the other owns and manages real estate that is used as a branch location and has office and retail space. The accompanying consolidated financial statements of Bancorp and its wholly owned subsidiary, the Bank (collectively, the “Company”), have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Bancorp was incorporated in April of 2005 under the laws of the State of Maryland and is a bank holding company registered under the Bank Holding Company Act of 1956. Bancorp is a single bank holding company with one subsidiary, the Bank, which operates as a state trust company with commercial banking powers regulated by the Maryland Office of the Commissioner of Financial Regulation (the “Commissioner”). The Company is a diversified financial services company providing commercial banking, mortgage banking and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located primarily in the Greater Baltimore Metropolitan Area. On December 6, 2018, the Company entered into Subordinated Note Purchase Agreements with certain institutional accredited investors (the “Purchasers”) pursuant to which the Company sold and issued $25,000,000 in aggregate principal amount of 6.00% Fixed-to-Floating Rate Subordinated Notes due December 6, 2028 (the “Notes”). The Notes were issued by the Company to the Purchasers at a price equal to 100% of their face amount in a private offering in reliance on the exemptions from registration available under Section 4(a)(2) of the Securities Act of 1933, as amended (the “Securities Act”), and the provisions of Regulation D thereunder. The Company used the net proceeds from this offering for general corporate purposes, to provide for continued growth and to supplement its regulatory capital ratios. On March 1, 2018, Bancorp completed its previously announced merger (the “First Mariner merger”) with First Mariner Bank, a Maryland chartered trust company (“First Mariner”), pursuant to the Agreement and Plan of Reorganization dated as August 14, 2017, and as amended by Amendment No. 1 on November 8, 2017, by and among Bancorp, the Bank and First Mariner (as amended, the “First Mariner Merger Agreement”). At the effective time of the First Mariner merger, First Mariner merged with and into the Bank, with the Bank continuing as the surviving bank of the First Mariner merger and a wholly owned subsidiary of the Company. At the effective time of the First Mariner merger, each outstanding share of First Mariner common stock and First Mariner Series A Non-Voting Non-Cumulative Perpetual Preferred Stock issued and outstanding was cancelled and converted into the right to receive 1.6624 shares of Bancorp common stock, provided that cash was paid in lieu of any fractional shares. The aggregate merger consideration of $173.8 million included $9.2 million of cash and 9,143,222 shares of our common stock, which was valued at approximately $164.6 million based on Bancorp’s closing stock price of $18.00 on February 28, 2018. The following is a description of the Company’s significant accounting policies. Principles of Consolidation The consolidated financial statements include the accounts of Bancorp, its subsidiary bank and the Bank’s subsidiaries. All significant intercompany accounts and transactions have been eliminated. The parent company only financial statements report investments in the subsidiary bank under the equity method. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for credit losses, goodwill, deferred tax assets, other-than-temporary impairment of investment securities and the fair value of loans held for sale. Allowance for Credit Losses The allowance for credit losses is maintained at a level believed adequate by management to absorb probable losses inherent in the loan portfolio and is based on the size and current risk characteristics of the loan portfolio, an assessment of individual problem loans, actual loss experience, current economic events in specific industries and geographic areas including unemployment levels and other pertinent factors including general economic conditions. Determination of the allowance is inherently subjective as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans, estimated losses on pools of homogenous loans based on historical loss experience and consideration of economic trends, all of which may be susceptible to significant change. Credit losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance. A provision for credit losses is charged to operations based on management’s periodic evaluation of the factors previously mentioned, as well as other pertinent factors. Evaluations are conducted at least quarterly and more often if deemed necessary. The allowance for credit losses consists of a specific component and a nonspecific component. The components of the allowance for credit losses represent an estimation done pursuant to either the Financial Accounting Standards Board’s (the “FASB”) Accounting Standards Codification (“ASC”) Topic 450 Contingencies or ASC Topic 310 Receivables . The specific component of the allowance for credit losses reflects expected losses resulting from analysis developed through credit allocations for individual loans. The credit allocations are based on a regular analysis of all loans over a fixed-dollar amount where the internal credit rating is at or below a predetermined classification. The specific component of the allowance for credit losses also includes management’s determination of the amounts necessary given concentrations and changes in portfolio mix and volume. The nonspecific portion of the allowance is determined based on management’s assessment of general economic conditions, as well as economic factors in the individual markets in which the Company operates including the strength and timing of economic cycles and concerns over the effects of a prolonged economic downturn in the current cycle. This determination inherently involves a higher risk of uncertainty and considers current risk factors that may not have yet manifested themselves in the Bank’s historical loss factors used to determine the nonspecific component of the allowance, and it recognizes knowledge of the portfolio may be incomplete. The Bank’s historic loss factors are based upon actual losses incurred by portfolio segment over the preceding 24-month period. In portfolio segments where no actual losses have been incurred within the most recent 24-month period, industry loss data for that portfolio segment, as provided by the Federal Deposit Insurance Corporation (“FDIC”), are utilized. In addition to historic loss factors, the Bank’s methodology for the allowance for credit losses also incorporates other risk factors that may be inherent within the portfolio segments. For each portfolio segment, in addition to the historic loss experience, the other factors that are measured and monitored in the overall determination of the allowance include: · changes in lending policies, procedures, practices or personnel; · changes in the level and composition of construction portfolio and related risks; · changes and migration of classified assets; · changes in exposure to subordinate collateral lien positions; · levels and composition of existing guarantees on loans by the Small Business Administration or other agencies; · changes in national, state and local economic trends and business conditions; · changes and trends in levels of loan payment delinquencies; and · any other factors that management considers relevant to the quality or performance of the loan portfolio. Each of these qualitative risk factors is measured based upon data generated either internally, or in the case of economic conditions utilizing independently provided data on items such as unemployment rates, commercial real estate vacancy rates, or other market data deemed relevant to the business conditions within the markets served. The Company’s loan policies state that after all collection efforts have been exhausted, and the loan is deemed to be a loss, then the remaining loan balance will be charged to the Company’s established allowance for credit losses. All loans are evaluated for loss potential once it has been determined by the Watch Committee that the likelihood of repayment is in doubt. When a loan is past due for at least 90 days or a deterioration in debt service coverage ratio, guarantor liquidity, or loan-to-value ratio has occurred that would cause concern regarding the likelihood of the full repayment of principal and interest, and the loan is deemed not to be well secured, the loan should be moved to non-accrual status and a specific reserve is established if the net realizable value is less than the principal value of the loan balance(s). Once the actual loss value has been determined a charge-off against the allowance for credit losses for the amount of the loss is taken. Each loss is evaluated on its specific facts regarding the appropriate timing to recognize the loss. Goodwill, Other Intangible Assets and Long-Lived Assets Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Core deposit intangibles represent the estimated value of long-term deposit relationships acquired in a business combination. The core deposit intangible is amortized over the estimated useful lives of the long-term deposits acquired, and the remaining amounts of the core deposit intangible are periodically reviewed for impairment. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. Long-lived assets are those that provide the Company with a future economic benefit beyond the current year or operating period. Long-lived assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset is greater than the fair value of the asset. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell. An impairment analysis is performed annually. Management has determined that Bancorp has one reporting unit, and based upon the annual impairment analysis, it was determined that there was not an impairment of the carrying value of either the goodwill, core deposit intangible or other long-lived assets for 2018. The Company is not aware of any issues that have arisen since our last impairment analysis performed in the fourth quarter of 2018. Income Taxes The Company uses the asset/liability method of accounting for income taxes. Under the asset/liability method, deferred tax assets and liabilities are determined based on differences between the financial statement carrying amounts and the tax bases of existing assets and liabilities (i.e., temporary differences) and are measured at the enacted rates that will be in effect when these differences reverse. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. In addition, deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or the entire deferred tax asset will not be realized. The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits. The Company’s policy is to recognize interest and penalties on income taxes in other noninterest expenses. The Company remains subject to examination by federal and state taxing authorities for income tax returns for the years ending after December 31, 2015. Share-Based Compensation Compensation cost is recognized for stock options issued to directors and employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. When an award is granted to an employee who is retirement eligible, the compensation cost of these awards is recognized over the period up to when the director or employee first becomes eligible to retire. Compensation expense for non-vested common stock awards is based on the fair value of the awards, which is generally the market price of the common stock on the measurement date, which, for the Company, is the date of grant, and is recognized ratably over the service period of the award. Reclassifications Certain items in prior financial statements have been reclassified to conform to the current presentation. These reclassifications did not affect previously reported net income or total stockholders’ equity. New Accounting Pronouncements The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (“ASU”) 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits use of the OIS rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes. Alternative Reference Rates Committee has proposed that the SOFR is the rate that represents best practice as the alternative to derivatives currently indexed to London Inter-Bank Offered Rate (“LIBOR”). The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The amendments should be adopted on a prospective basis for qualifying new or re-designated hedging relationships entered into on or after the date of adoption. The Company has non-designated hedge contracts that are indexed to LIBOR and is monitoring this activity and evaluating the related risks as they relate to derivatives. The FASB has issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework— Changes to the Disclosure Requirements for Fair Value Measurement. This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019; early adoption is permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the new disclosure requirements until their effective date. ASU 2018-13 is not expected have a material impact on the Company’s Consolidated Financial Statements. The FASB has issued ASU 2017-04, Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. The amendments in this Update simplify the subsequent measurement of goodwill by eliminating Step 2 from the goodwill impairment test. The Company should perform its goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. Impairment charges should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value, however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. The impairment charge is limited to the amount of goodwill allocated to that reporting unit. The amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. The Company will evaluate the guidance in this Update but does not expect it to have a significant impact on the Company’s financial position or results of operations.

Business Combinations

Business Combinations	9 Months Ended
	Sep. 30, 2019
Business Combinations
Business Combinations	Note 2: Business Combinations First Mariner Acquisition On March 1, 2018, Howard Bancorp completed its previously announced merger with First Mariner into the Bank, pursuant to the First Mariner Merger Agreement. At the effective time of the First Mariner merger, First Mariner merged with and into the Bank, with the Bank continuing as the surviving bank of the First Mariner merger. At the effective time of the First Mariner merger, pursuant to the terms of the First Mariner Merger Agreement, each outstanding share of First Mariner common stock and First Mariner Series A Non-Voting Non-Cumulative Perpetual Preferred Stock issued and outstanding was cancelled and converted into the right to receive 1.6624 shares of Howard Bancorp common stock, provided that cash was paid in lieu of any fractional shares. The aggregate merger consideration of $173.8 million included $9.2 million of cash and 9,143,222 shares of our common stock, which was valued at approximately $164.6 million based on Howard Bancorp's closing stock price of $18.00 on February 28, 2018. The Company has accounted for the First Mariner merger under the acquisition method of accounting in accordance with FASB ASC Topic 805, “Business Combinations, ” whereby the acquired assets and assumed liabilities were recorded by Howard Bancorp at their estimated fair values as of their acquisition date. Management made significant estimates and exercised significant judgment in accounting for the acquisition of First Mariner. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Deposits and borrowings were valued based upon interest rates, original and remaining terms and maturities, as well as current rates for similar funds in the same markets. Premises and equipment was valued based on recent appraised values. Management used quoted or current market prices to determine the fair value of investment securities. The following table provides the purchase price as of the date of the First Mariner merger (the “acquisition date”), the identifiable assets acquired and liabilities assumed at their estimated fair values, and the resulting goodwill of $65.3 million recorded from the acquisition: (in thousands) Purchase Price Consideration Cash consideration $ 9,245 Purchase price assigned to shares exchanged for stock 164,578 Total purchase price for First Mariner acquisition $ 173,823 Assets acquired at fair value: Cash and cash equivalents $ 38,889 Interest bearing deposits with banks 3,920 Investment securities available for sale 130,302 Loans held for sale 28,189 Loans 664,338 Accrued interest receivable 3,023 Other assets 124,797 Core deposit intangible 12,588 Total fair value of assets acquired $ 1,006,046 Liabilities assumed at fair value: Deposits 706,435 Borrowings 185,020 Accrued expenses and other liabilities 6,114 Total fair value of liabilities assumed $ 897,569 Net assets acquired at fair value: $ 108,477 Transaction consideration paid to First Mariner 173,823 Amount of goodwill recorded from First Mariner Acquisition $ 65,346 The goodwill resulting from the First Mariner merger at September 30, 2019 of $65.3 million is lower than the $70.1 million reflected at December 31, 2018 due to a change in the acquired value of the net deferred tax asset included in other assets above. At the acquisition date, wording of the Tax Cut Jobs Act ("TCJA") appeared to indicate that appreciation in the cash value of acquired BOLI would not be considered exempt from taxation. However, industry groups and congress had urged the IRS to issue regulations to clarify how this section of the TCJA would be applied. In the first quarter of 2019, the IRS issued new guidance which clarified the new law and made it more likely than not that the appreciated value of the BOLI acquired by the Company would be tax exempt. The final regulation maintaining the tax exemption for acquired BOLI was issued in October 2019. Pro Forma Condensed Combined Financial Information: The following table presents unaudited pro forma information as if the First Mariner Merger had been completed on January 1, 2018. The pro forma information does not necessarily reflect the results of operations that would have occurred had the First Mariner Merger occurred at the beginning of 2018. Supplemental pro forma earnings were adjusted to exclude merger related costs. The expected future amortizations of the various fair value adjustments were included beginning of the period. Cost savings are not reflected in the unaudited pro forma amounts for the periods presented. The pro forma financial information does not include the impact of possible business model changes, nor does it consider any potential impacts of current market conditions on revenues, expense efficiencies, or other factors. Nine months ended Three months ended September 30, 2018 September 30, 2018 Net interest income after provision $ 51,442 $ 17,951 Noninterest income 16,207 3,856 Noninterest expense 58,647 16,608 Net income 6,525 3,768 Net income per share $ 0.34 $ 0.20

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2019
Investment Securities
Investment Securities	Note 3: Investment Securities The Bank holds securities classified as available for sale and held to maturity. The amortized cost and estimated fair values of investments are as follows: (in thousands) September 30, 2019 December 31, 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Estimated Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Cost Gains Losses Fair Value Available for sale U.S. Government Agencies $ 65,698 $ 1,165 $ 1 $ 66,862 $ 130,088 $ 428 $ 119 $ 130,397 Mortgage-backed 91,354 2,860 39 94,175 90,242 90,460 Other investments 3,010 — 21 2,989 3,011 — 10 3,001 $ 160,062 $ 4,025 $ 61 $ 164,026 $ 223,341 $ 792 $ 275 $ 223,858 Held to maturity Corporate debentures $ 9,750 $ 174 $ — $ 9,924 $ 9,250 $ 45 $ 42 $ 9,253 Gross unrealized losses and fair value by investment category and length of time the individual securities have been in a continuous unrealized loss position at September 30, 2019 and December 31, 2018 are presented below: September 30, 2019 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 4,527 $ 1 $ 999 $ — $ 5,526 $ 1 Mortgage-backed 8,003 30 981 9 8,984 39 Other investments 2,989 21 — — 2,989 21 $ 15,519 $ 52 $ 1,980 $ 9 $ 17,499 $ 61 Held to maturity Corporate debentures $ — $ — $ — $ — $ — $ — December 31, 2018 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 3,049 $ 3 $ 13,887 $ 116 $ 16,936 $ 119 Mortgage-backed 26,197 54 2,107 92 28,304 146 Other investments 3,001 10 — — 3,001 10 $ 32,247 $ 67 $ 15,994 $ 208 $ 48,241 $ 275 Held to maturity Corporate debentures $ 2,458 $ 42 $ — $ — $ 2,458 $ 42 The unrealized losses that existed were a result of market changes in interest rates since the original purchase. Management systematically evaluates investment securities for other-than-temporary declines in fair value on a quarterly basis. This analysis requires management to consider various factors, which include the (1) duration and magnitude of the decline in value, (2) financial condition of the issuer or issuers and (3) structure of the security. The portfolio contained 8 securities with unrealized losses and 31 securities with unrealized losses at September 30, 2019 and December 31, 2018, respectively. An impairment loss is recognized in earnings if any of the following are true: (1) the Company intends to sell the debt security; (2) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis; or (3) the Company does not expect to recover the entire amortized cost basis of the security. In situations where the Company intends to sell or when it is more likely than not that the Company will be required to sell the security, the entire impairment loss must be recognized in earnings. In all other situations, only the portion of the impairment loss representing the credit loss must be recognized in earnings, with the remaining portion being recognized in stockholders’ equity as a component of other comprehensive income, net of deferred tax. The amortized cost and estimated fair values of investment securities by contractual maturity are shown below: (in thousands) September 30, 2019 December 31, 2018 Amortized Estimated Fair Amortized Estimated Fair Cost Value Cost Value Amounts maturing: One year or less $ 2,496 $ 2,494 $ 38,936 $ 38,892 After one through five years 60,206 61,263 88,175 88,513 After five through ten years 20,329 20,845 19,873 19,921 After ten years 86,781 89,348 85,607 85,785 $ 169,812 $ 173,950 $ 232,591 $ 233,111 At September 30, 2019 and December 31, 2018, $12.7 million and $42.3 million in fair value of securities, respectively, were pledged as collateral for both repurchase agreements and deposits of local government entities that require pledged collateral as a condition of maintaining these deposit accounts. No single issuer of securities, except for government agency and mortgage backed securities, had outstanding balances that exceeded ten percent of stockholders’ equity at September 30, 2019.

Loans and Leases

Loans and Leases	9 Months Ended
	Sep. 30, 2019
Loans and Leases
Loans and Leases	Note 4: Loans and Leases The Company makes loans and leases to customers primarily in the Greater Baltimore metropolitan area and surrounding communities. A substantial portion of the Company’s loan portfolio consists of loans to businesses secured by real estate and/or other business assets. The loan portfolio segment balances at September 30, 2019 and December 31, 2018 are presented in the following table: September 30, 2019 December 31, 2018 % of % of (in thousands) Total Total Total Total Real estate Construction and land $ 124,326 7.2 % $ 123,671 7.5 % Residential - first lien 415,688 24.0 383,044 23.2 Residential - junior lien 76,272 4.4 89,645 5.4 Total residential real estate 491,960 28.4 472,689 28.6 Commercial - owner occupied 239,464 13.8 234,102 14.2 Commercial - non-owner occupied 442,813 25.6 427,747 25.9 Total commercial real estate 682,277 39.4 661,849 40.1 Total real estate loans 1,298,563 75.0 1,258,209 76.2 Commercial loans and leases 383,557 22.2 336,876 20.5 Consumer 47,760 2.8 54,666 3.3 Total loans $ 1,729,880 100.0 % $ 1,649,751 100.0 % Net loan origination fees, which are included in the amounts above, totaled $1.2 million and $307 thousand at September 30, 2019 and December 31, 2018, respectively. Acquired Impaired Loans The following table documents changes in the accretable discount on acquired impaired loans: For the nine months ended For the three months ended September 30, September 30, (in thousands) 2019 2018 2019 2018 Balance at beginning of period $ 877 $ — $ 767 $ 1,021 Impaired loans acquired — 1,055 — — Accretion of fair value discounts (156) (92) (46) (58) Balance at end of period $ 721 $ 963 $ 721 $ 963 The table below presents the outstanding balances and related carrying amounts for all acquired impaired loans at the end of the respective periods. Contractually Required Payments Carrying (in thousands) Receivable Amount At September 30, 2019 $ 11,409 $ 9,147 At December 31, 2018 15,463 11,446 At September 30, 2018 16,479 12,503

Credit Quality Assessment

Credit Quality Assessment	9 Months Ended
	Sep. 30, 2019
Credit Quality Assessment
Credit Quality Assessment	Note 5: Credit Quality Assessment Allowance for Credit Losses The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the periods ended September 30, 2019 and September 30, 2018: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Nine months ended: Beginning balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Charge-offs (282) (453) (508) (46) (2,026) (622) (23) (3,960) Recoveries 79 — 114 — 12 35 2 242 Provision for credit losses 810 1,246 535 245 787 (320) 140 3,443 Ending balance $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 Three months ended: Beginning balance $ 1,128 $ 1,790 $ 437 $ 893 $ 2,799 $ 1,695 $ 378 $ 9,120 Charge-offs — (91) (37) (2) — (97) (5) (232) Recoveries 79 — 10 — 9 3 1 102 Provision for credit losses 141 264 23 43 22 136 (21) 608 Ending balance $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 September 30, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Nine months ended: Beginning balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Charge-offs (202) (121) (195) (1) (749) (977) (59) (2,304) Recoveries — 8 7 — 31 77 5 128 Provision for credit losses 125 454 304 82 1,261 743 272 3,241 Ending balance $ 658 $ 1,009 $ 293 $ 698 $ 1,953 $ 2,372 $ 241 $ 7,224 Three months ended: Beginning balance $ 661 $ 680 $ 213 $ 726 $ 1,623 $ 2,667 $ 49 $ 6,619 Charge-offs — (19) (46) — (3) (65) (10) (143) Recoveries — 7 7 — 29 9 — 52 Provision for credit losses (3) 341 119 (28) 304 (239) 202 696 Ending balance $ 658 $ 1,009 $ 293 $ 698 $ 1,953 $ 2,372 $ 241 $ 7,224 The following tables provide additional information on the allowance for credit losses at September 30, 2019 and December 31, 2018: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — collectively evaluated for impairment $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 Loans: Ending balance $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 individually evaluated for impairment $ 493 $ 13,773 $ 1,012 $ 569 $ 1,782 $ 2,086 $ 288 $ 20,003 collectively evaluated for impairment $ 123,833 $ 401,915 $ 75,260 $ 238,895 $ 441,031 $ 381,471 $ 47,472 $ 1,709,877 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ 2,195 $ 200 $ — $ 2,395 collectively evaluated for impairment $ 741 $ 1,170 $ 292 $ 735 $ 1,862 $ 2,444 $ 234 7,478 Loans: Ending balance $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 individually evaluated for impairment $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 24,760 collectively evaluated for impairment $ 122,222 $ 369,785 $ 88,508 $ 232,834 $ 422,729 $ 334,421 $ 54,492 $ 1,624,991 Acquired loans from the First Mariner merger in 2018 were evaluated for impairment subsequent to the merger. No allowance was required on these loans due to the assigned credit marks on these loans. When potential losses are identified, a specific provision and/or charge-off may be taken, based on the then current likelihood of repayment, that is at least in the amount of the collateral deficiency, and any potential collection costs, as determined by the independent third party appraisal. Loans that are considered impaired are subject to the completion of an impairment analysis. This analysis highlights any potential collateral deficiencies. A specific amount of impairment is established based on the Bank’s calculation of the probable loss inherent in the individual loan. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates. Credit risk profile by portfolio segment based upon internally assigned risk assignments are presented below: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 123,958 $ 402,887 $ 75,260 $ 238,895 $ 440,954 $ 381,864 $ 47,472 $ 1,711,290 Special mention — — — — — — — — Substandard 368 12,801 1,012 569 1,859 1,693 288 18,590 Doubtful — — — — — — — — Total $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 122,270 $ 370,766 $ 88,507 $ 228,408 $ 422,591 $ 334,152 $ 54,492 $ 1,621,186 Special mention 78 — — 3,877 — — — 3,955 Substandard 1,323 12,278 1,138 1,817 5,156 2,724 174 24,610 Doubtful — — — — — — — — Total $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 · Special Mention - A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. · Substandard - Substandard loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. · Doubtful - Loans classified Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable. Loans classified Special Mention, Substandard, Doubtful or Loss are reviewed at least quarterly to determine their appropriate classification. All commercial loan relationships are reviewed annually. Non-classified residential mortgage loans and consumer loans are not evaluated unless a specific event occurs to raise the awareness of possible credit deterioration. An aged analysis of past due loans is as follows: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans: Accruing loans current $ 123,958 $ 400,454 $ 73,993 $ 238,376 $ 440,775 $ 381,717 $ 47,292 $ 1,706,565 Accruing loans past due: 30‑59 days past due — — 1,157 168 204 48 69 1,646 60‑89 days past due — 2,311 110 — — 99 111 2,631 Greater than 90 days past due — 122 — 351 52 — — 525 Total past due — 2,433 1,267 519 256 147 180 4,802 Non-accrual loans 1 368 12,801 1,012 569 1,782 1,693 288 18,513 Total loans $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans: Accruing loans current $ 121,831 $ 361,522 $ 86,884 $ 232,834 $ 422,297 $ 334,058 $ 54,483 $ 1,613,909 Accruing loans past due: 30‑59 days past due — 6,433 937 — 432 94 9 7,905 60‑89 days past due 166 2,241 687 — — 307 — 3,401 Greater than 90 days past due 351 570 — — — — — 921 Total past due 517 9,244 1,624 — 432 401 9 12,227 Non-accrual loans 1 1,323 12,278 1,137 1,268 5,018 2,417 174 23,615 Total loans $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 (1) Total loans either in non-accrual status or in excess of 90 days delinquent totaled $19.0 million or 1.1% of total loans outstanding at September 30, 2019, which represents a decrease from $24.5 million, or 1.5%, at December 31, 2018. The following tables reflect impaired loans at September 30, 2019 and December 31, 2018: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) & land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 493 $ 13,773 $ 1,012 $ 569 $ 1,782 $ 2,086 $ 288 $ 20,003 With an allowance recorded — — — — — — — — With no related allowance recorded 493 13,773 1,012 569 1,782 2,086 288 20,003 Related allowance — — — — — — — — Unpaid principal 679 15,028 1,229 586 2,083 3,321 302 23,228 Nine months ended: Average balance of impaired loans 818 16,107 1,532 596 2,115 3,650 313 25,131 Interest income recognized 4 287 69 28 11 38 5 442 Three months ended: Average balance of impaired loans 810 16,036 1,508 590 2,102 3,680 313 25,039 Interest income recognized 2 144 37 20 2 21 — 226 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) & land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 $ 24,760 With an allowance recorded — — — — 2,816 200 — 3,016 With no related allowance recorded 1,449 13,259 1,137 1,268 2,202 2,255 174 21,744 Related allowance — — — — 2,195 200 — 2,395 Unpaid principal 1,873 14,425 1,456 1,569 5,295 4,868 185 29,671 Average balance of impaired loans 1,873 15,446 1,448 1,569 5,340 5,556 185 31,417 Interest income recognized — 474 51 16 5 125 5 676 (1) Included in the total impaired loans above were non-accrual loans of $18.5 million and $23.6 million at September 30, 2019 and December 31, 2018, respectively. Interest income that would have been recorded if non-accrual loans had been current and in accordance with their original terms was $657 thousand and $1.1 million for the nine months ended September 30, 2019 and 2018, respectively. Loans may have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief to a borrower experiencing financial difficulty. Such restructured loans are considered trouble debt restructured loans (“TDRs”) that may either be impaired loans that may either be in accruing status or non-accruing status. Non-accruing TDRs may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if: a) the restructuring agreement specifies an interest rate equal to or greater than the rate that the creditor was willing to accept at the time of restructuring for a new loan with comparable risk; and b) the loan is not impaired based on the terms specified by the restructuring agreement. TDRs at September 30, 2019 and December 31, 2018 are as follows: September 30, 2019 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 279 2 972 1,251 Commercial loans and leases 1 514 1 350 864 3 $ 793 4 $ 1,447 $ 2,240 December 31, 2018 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 291 2 982 1,273 Commercial - non-owner occupied 2 2,815 — — 2,815 Commercial loans and leases 1 514 — — 514 5 $ 3,620 3 $ 1,107 $ 4,727 A summary of TDR modifications outstanding and performing under modified terms are as follows: September 30, 2019 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 279 972 1,251 Commercial loans Extension or other modification — — 350 350 Forbearance — 514 — 514 Total troubled debt restructured loans $ — $ 793 $ 1,447 $ 2,240 December 31, 2018 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 291 982 1,273 Commercial RE - non-owner occupied Rate modification 2,195 2,815 — 2,815 Commercial loans Forbearance — 514 — 514 Total troubled debt restructured loans $ 2,195 $ 3,620 $ 1,107 $ 4,727 There was one new commercial loan with its term extended and its payment restructured during the nine months ended September 30, 2019. There was one new loan restructured during the nine months ended September 30, 2018. In the second quarter of 2018 the Bank extended the terms of a residential real estate loan that was non-performing.Performing TDRs were in compliance with their modified terms and there are no further commitments associated with these loans. During the nine months ended September 30, 2019 there were no TDRs that defaulted within the twelve month period after their modification dates. Management routinely evaluates other real estate owned (“OREO”) based upon periodic appraisals. For the nine months ended September 30, 2019 there were two residential first mortgage loans totaling $375 thousand transferred from loans to OREO and for the same period in 2018 there was one residential first mortgage loan totaling $174 thousand transferred from loans to OREO. In the first nine months of 2019 the Bank recorded a $367 thousand valuation allowance on several properties because the current appraised value, less estimated cost to sell, was lower than the recorded carrying value of the OREO'. There was no allowance recorded in the same period of 2018. The Company sold two land parcels held in OREO in the third quarter of 2019 with a carrying value of $49 thousand, recording a loss on the sale of approximately $1 thousand. Additionally, the Bank sold one commercial real estate asset at the its carrying amount of $589 thousand. At September 30, 2019 there were seven loans secured by residential first liens totaling $4.3 million in the process of foreclosure.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	9 Months Ended
	Sep. 30, 2019
Derivatives and Hedging Activities
Derivatives and Hedging Activities	Note 6: Derivatives and Hedging Activities Non-designated Hedges of Interest Rate Risk The Company maintains interest rate swap contracts with customers that are classified as non-designated hedges and are not speculative in nature. These agreements are designed to convert customers’ variable rate loans with the Company to fixed rate. These interest rate swaps are executed with loan customers to facilitate a respective risk management strategy and allow the customer to pay a fixed rate interest to the Company. These interest rate swaps are simultaneously hedged by executing offsetting interest rate swaps with unrelated market counterparties to minimize the net risk exposure to the Company resulting from the transactions and allow the Company to receive a variable rate interest. The interest rate swaps pay and receive interest based on a floating rate based on one month LIBOR plus credit spread with payment being calculated on the notional amount. The interest rate swaps are settled with varying maturities. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of September 30, 2019 and December 31, 2018, the interest rate swaps had an aggregate notional amount of approximately $5.8 million and $6.2 million, respectively. The fair value of the interest swap derivatives are recorded in other assets and other liabilities. All changes in fair value are recorded through earnings as noninterest income. For the nine months ended September 30, 2019, the Company recorded a net loss of $9 thousand related to the change in fair value of these interest rate swap derivatives. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Balance Sheets as of September 30, 2019 and December 31, 2018. September 30, 2019 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 2,905 $ 270 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 2,905 $ — $ 285 December 31, 2018 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 3,061 $ 100 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 3,061 $ — $ 106

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	9 Months Ended
	Sep. 30, 2019
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 7: Goodwill and Other Intangible Assets Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset would more-likely-than-not reduce the fair value below the carrying amount. The Bank has one reporting unit, which is the core banking operation. The table below shows goodwill balances at September 30, 2019 and December 31, 2018. September 30, December 31, (in thousands) 2019 2018 Goodwill Banking $ 65,949 $ 70,697 Based upon updated information the goodwill was adjusted downward in the first quarter of 2019 by $4.7 million to reflect revised valuations as detailed in Note 2. Core deposit intangible consists of premiums paid for the acquisition of core deposits and are amortized based upon the estimated economic benefits received. The gross carrying amount and accumulated amortization of other intangible assets are as follows: September 30, 2019 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 6,949 $ 9,186 4.0 December 31, 2018 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 4,653 $ 11,482 4.7 Estimated future amortization expense for amortizing intangibles for the years ending December 31, are as follows: (in thousands) 2019 $ 717 2020 2,674 2021 2,326 2022 1,915 2023 1,298 Thereafter 256 Total amortizing intangible assets $ 9,186

Leases

Leases	9 Months Ended
	Sep. 30, 2019
Leases
Leases	Note 8: Leases On January 1, 2019, the Company adopted the requirements of ASU 2016-02, Leases (Topic 842). The objective of this ASU, along with several related ASUs issued subsequently, is to increase transparency and comparability between organizations that enter into lease agreements. The most significant change is the requirement to recognize right of use (“ROU”) assets and lease liabilities for leases classified as operating leases. The standard requires disclosures to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. As part of the transition to the new standard, the Company was required to measure and recognize leases that existed at January 1, 2019, and the Company elected a modified retrospective approach. For leases existing at the effective date, the Company elected the package of three transition practical expedients and therefore did not reassess whether an arrangement is or contains a lease, did not reassess lease classification, and did not reassess what qualifies as an initial direct cost. The adoption of Topic 842 resulted in the initial recognition of operating ROU assets and related lease liabilities of $18.0 million on January 1, 2019, which were recorded in other assets and other liabilities, respectively. As of the adoption date, there were no lease incentives that would have impacted the ROU asset balance. In the first nine months of 2019, with the execution of our branch optimization initiative, under which we announced the closing of three additional branch locations and the consolidation of two other existing branch locations we incurred $3.6 million in expenses, primarily related to the early termination of existing lease arrangements for the closing locations. All of the costs associated with this initiative were recognized in the second quarter of 2019. The closing of the three locations occurred in September 2019, and the consolidation of the two branch locations into a single new location is expected to occur in the first quarter of 2020. The early termination of these leases reduced the initial $18.0 million in ROU assets recorded on January 1, 2019 to $14.5 million at September 30, 2019. The Company has operating leases on land and buildings with remaining lease terms ranging from 2020 to 2030. Many of the leases include renewal options, with renewal terms generally extending up to 10 years. Operating leases included the following at: (in thousands) September 30, 2019 Operating Leases Operating leases ROU $ 14,463 Operating lease liabilities $ 14,845 The components of lease expense were as follows: Nine months ended September 30, Three months ended September 30, (in thousands) 2019 2018 2019 2018 Operating lease cost $ 1,508 $ 2,857 $ 428 $ 897 Sublease income (437) (393) (144) (142) Amortization of ROU assets 116 — 34 — $ 1,187 $ 2,464 $ 318 $ 755 Lease liability maturities are as follows: (in thousands) 2019 $ 437 2020 1,636 2021 1,546 2022 1,404 2023 1,257 Thereafter 12,396 Total future lease payments $ 18,676 Discount of cash flows (3,831) Present value on net future lease payments $ 14,845 Weighted average remaining term in years 7.01 Weighted average discount rate 3.02 %

Deposits

Deposits	9 Months Ended
	Sep. 30, 2019
Deposits
Deposits	Note 9: Deposits The following table details the composition of deposits and the related percentage mix of total deposits, respectively, at the dates indicated: (dollars in thousands) September 30, 2019 December 31, 2018 % of % of Amount Total Amount Total Noninterest-bearing demand $ 442,549 27 % $ 429,200 26 % Interest-bearing checking 174,645 10 227,322 13 Money market accounts 360,218 22 356,130 21 Savings 131,064 8 134,893 8 Certificates of deposit $250 and over 81,639 5 82,511 5 Certificates of deposit under $250 465,508 28 455,750 27 Total deposits $ 1,655,623 100 % $ 1,685,806 100 %

Stock Options and Stock Awards

Stock Options and Stock Awards	9 Months Ended
	Sep. 30, 2019
Stock Options and Stock Awards
Stock Options and Stock Awards	Note 10: Stock Options and Stock Awards The Company’s equity incentive plan provides for awards of nonqualified and incentive stock options as well as vested and non-vested common stock awards. As of September 30, 2019, 572,414 shares are reserved for issuance pursuant to future grants under our stock incentive plan. Employee stock options can be granted with exercise prices at the fair market value (as defined within the plan) of the stock at the date of grant and with terms of up to ten years. Except as otherwise permitted in the plan, upon termination of employment for reasons other than retirement, permanent disability or death, the option exercise period is reduced or the options are canceled. Stock awards may also be granted to non-employee members of the Company's Board of Directors (the "Board") as compensation for attendance and participation at meetings of the Board and meetings of the various committees of the Board. For the nine months ended September 30, 2019 and 2018, Bancorp issued 9,202 and 11,868 shares of common stock, respectively, to directors as compensation for their service. Stock Options The fair value of the Company’s stock options granted as compensation is estimated on the measurement date, which, for the Company, is the date of grant. The fair value of stock options is calculated using the Black-Scholes option-pricing model under which the Company estimates expected market price volatility and expected term of the options based on historical data and other factors. There were 25,000 stock options granted during the nine months ended September 30, 2019, while no stock options were granted for the year ended December 31, 2018. The following table summarizes the Company’s stock option activity and related information for the periods ended: September 30, 2019 December 31, 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Balance at January 1, 15,268 $ 8.76 30,991 $ 9.69 Granted 25,000 14.54 - — Exercised (13,418) 8.58 (9,123) 10.63 Forfeited (1,850) 10.10 (6,600) 10.52 Balance at period end 25,000 $ 14.54 15,268 $ 8.76 Exercisable at period end — $ — 15,268 $ 8.76 Weighted average fair value of options granted during the year $ $ — The cash received from the exercise of stock options during the nine months ended September 30, 2019 was $116 thousand, while $71 thousand was received during the nine months ended September 30, 2018. The intrinsic value of a stock option is the amount that the market value of the underlying stock exceeds the exercise price of the option. Based upon a fair market value of $16.69 at September 30, 2019, the options outstanding had an aggregate intrinsic value of $54 thousand. At December 31, 2018, based upon fair market value of $14.30, the outstanding options outstanding had an aggregate intrinsic value of $85 thousand. Restricted Stock Units RSUs are equity awards where the recipient does not receive the stock immediately, but instead receives it according to a vesting plan and distribution schedule after achieving required performance milestones or upon remaining with the employer for a particular length of time. Each RSU that vests entitles the recipient to receive one share of the Company’s common stock on a specified issuance date. The recipient does not have any stockholder rights, including voting, dividend or liquidation rights, with respect to the shares underlying awarded RSUs until the recipient becomes the record holder of those shares. The valuation of the Company’s RSU is the closing price per share of the Company’s common stock on the date of grant. The Company granted 18,500 RSUs during the first nine months of 2019, subject to a three-year vesting schedule. The Company granted 20,732 RSUs during the same period of 2018, which immediately vested upon grant. A summary of the activity for the Company’s RSUs for the periods indicated is presented in the following table: September 30, 2019 December 31, 2018 Weighted Weighted Average Average Grant Date Grant Date Shares Fair Value Shares Fair Value Balance at January 1, 9,731 $ 17.29 52,155 $ 15.09 Granted 18,500 14.54 20,732 19.90 Vested (6,699) 16.38 (54,542) 16.63 Forfeited (1,500) 14.54 (8,614) 14.41 Balance at period end 20,032 $ 15.34 9,731 $ 17.29 At September 30, 2019, based on RSUs outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested RSUs was $237 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2019 $ 36 2020 112 2021 82 2022 7 $ 237 Stock-Based Compensation Expense Stock-based compensation is recognized as compensation cost in the statement of operations based on their fair values on the measurement date, which, for the Company, is the date of the grant. The amount that the Company recognized in stock-based compensation expense related to the issuance of restricted stock and RSUs and for director compensation paid in stock is presented in the following table: Nine months ended Three months ended September 30 September 30 (in thousands) 2019 2018 2019 2018 Stock-based compensation expense Related to the issuance of RSUs $ 134 $ 609 $ 22 $ 37 Director compensation paid in stock $ 127 $ 217 $ 65 $ 116

Benefit Plans

Benefit Plans	9 Months Ended
	Sep. 30, 2019
Benefit Plans
Benefit Plans	Note 11: Benefit Plans Profit Sharing Plan The Company sponsors a defined contribution retirement plan through a Section 401(k) profit sharing plan. Employees may contribute up to 15% of their pretax compensation. Participants are eligible for matching Company contributions up to 4% of eligible compensation dependent on the level of voluntary contributions. Company matching contributions totaled $817 thousand and $871 thousand, respectively, for the nine months ended September 30, 2019 and 2018. The Company’s matching contributions vest immediately. Supplemental Executive Retirement Plan (“SERP”) In 2014, the Bank created a SERP for the Chief Executive Officer. This plan was amended in 2016. Under the defined benefit SERP, Mary Ann Scully will receive $150,000 each year for 15 years after attainment of the Normal Retirement Age (as defined in the SERP). Ms. Scully earned vesting on a graduated schedule and she became fully vested on August 25, 2019, which had been established for purposes of the SERP as the commencement date for SERP distributions. Expenses related to this SERP totaled $158 thousand and $217 thousand for the nine month periods ending September 30, 2019 and 2018, respectively. Employee Stock Purchase Plan The 2017 Employee Stock Purchase Plan (the “Plan”) provides eligible employees of the Company and certain of its subsidiaries with opportunities to purchase shares of the Company’s common stock at a discounted price, with the Company contributing up to a fifteen percent discount per offering period. An aggregate of 250,000 shares of the Company’s common stock was approved for issuance under the Plan. The Plan is intended to qualify as an “employee stock purchase plan” as defined in Section 423 of the Internal Revenue Code of 1986, as amended, and the regulations promulgated thereunder, and shall be interpreted consistent therewith. The first offering period under the Plan commenced on October 1, 2018 and ended on December 31, 2018, and the 2018 expense related to the Plan totaled $11 thousand. The current offering period began on January 1, 2019 ending on September 30, 2019, and the expense related to the Company’s contribution to the Plan totaled $20 thousand for the nine months ended September 30, 2019.

Income (Loss) per Common Share

Income (Loss) per Common Share	9 Months Ended
	Sep. 30, 2019
Income (Loss) per Common Share
Income (Loss) per Common Share	Note 12: Income (Loss) per Common Share The table below shows the presentation of basic and diluted income per common share for the periods indicated: Nine months ended Three months ended September 30, September 30, (dollars in thousands, except per share data) 2019 2018 2019 2018 Net income (loss) available to common stockholders (numerator) $ 10,981 $ (3,974) $ 4,637 $ 3,979 BASIC Basic average common shares outstanding (denominator) 19,064,235 17,058,217 19,078,561 19,025,855 Basic income (loss) per common share $ 0.58 $ (0.23) $ 0.24 $ 0.21 DILUTED Average common shares outstanding 19,064,235 17,058,217 19,078,561 19,025,855 Dilutive effect of common stock equivalents 7,870 — 3,402 9,338 Diluted average common shares outstanding (denominator) 19,072,105 17,058,217 19,081,963 19,035,193 Diluted income (loss) per common share $ 0.58 $ (0.23) $ 0.24 $ 0.21 Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above 25,000 31,932 25,000 —

Risk-Based Capital

Risk-Based Capital	9 Months Ended
	Sep. 30, 2019
Risk-Based Capital
Risk-Based Capital	Note 13: Risk-Based Capital Bancorp and the Bank are subject to various regulatory capital requirements administered by the federal bank regulatory agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on Bancorp and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Bancorp and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Bancorp’s and the Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. In July 2013, Federal Deposit Insurance Corporation (the “FDIC”) and the other federal bank regulatory agencies issued a final rule that revised their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision (“Basel III”) and certain provisions of the Dodd-Frank Act. The final rule, which became effective on January 1, 2015, applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $1 billion or more and top-tier savings and loan holding companies. The final rule created a new common equity Tier 1 (“CET1”) minimum capital requirement (4.5% of risk-weighted assets), increased the minimum Tier 1 capital ratio (from 4% to 6% of risk-weighted assets), imposed a minimum leverage ratio of 4.0%, and changed the risk-weight of certain assets to better reflect credit risk and other risk exposures. These include, among other things, a 150% risk weight for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in non-accrual status, and a 20% credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable. The final rule also requires unrealized gains and losses on certain “available-for-sale” securities holdings to be included for purposes of calculating regulatory capital unless the Company elects to opt-out from this treatment. The Company has elected to permanently opt out of this treatment in the Company’s capital calculations, as permitted by the final rule. Additionally, subject to a transition schedule, the rule limits Bancorp’s and the Bank’s ability to make capital distributions, engage in share repurchases and pay certain discretionary bonus payments if the they do not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. In addition, under revised prompt corrective action requirements, in order to be considered “well-capitalized,” Bancorp and the Bank must have a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, a common equity Tier 1 ratio of 6.5% or greater, a leverage capital ratio of 5.0% or greater, and not be subject to any written agreement, order, capital directive, or prompt corrective action directive to meet and maintain a specific capital level for any capital measure. There are three main categories of capital under the regulatory capital guidelines. Common equity tier 1 capital consists of paid-in common stock, retained earnings and certain common equity Tier 1 minority interests. Various items, including certain amounts of goodwill, intangible assets, deferred tax assets, must be deducted from common equity Tier 1 before capital ratios are calculated. Tier 1 capital (which, together with common equity tier 1 capital, makes up Tier 1 capital) generally consists of perpetual preferred stock and, in certain circumstances and subject to certain limitations, minority investments in certain subsidiaries, less goodwill and other non-qualifying intangible assets, and certain other deductions. Tier 2 capital consists of perpetual preferred stock that is not otherwise eligible to be included as Tier 1 capital, hybrid capital instruments, term subordinated debt and intermediate-term preferred stock and, subject to limitations, general allowances for credit losses. At least half of total capital must consist of Tier 1 capital. Under the guidelines, capital is compared to the relative risk related to the balance sheet. To derive the risk included in the balance sheet, one of several risk weights is applied to the different balance sheet and off-balance sheet assets, primarily based on the relative credit risk of the counterparty. For example, claims guaranteed by the U.S. government or one of its agencies are risk-weighted at 0%. Off-balance sheet items, such as loan commitments, are also applied a risk weight after calculating balance sheet equivalent amounts. One of four credit conversion factors (0%, 20%, 50% and 100%) is assigned to loan commitments based on the likelihood of the off-balance sheet item becoming an asset. For example, certain loan commitments are converted at 50% and then risk-weighted at 100%. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Management believes that, as of September 30, 2019 and December 31, 2018, Bancorp and the Bank met all capital adequacy requirements to which they are subject. The following table reflects Bancorp’s and the Bank’s capital at September 30, 2019 and December 31, 2018: To be well capitalized under the FDICIA For capital prompt corrective Actual adequacy purposes action provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2019: Total capital (to risk-weighted assets) Howard Bank $ 228,742 12.43 % $ 147,276 8.00 % $ 184,096 10.00 % Howard Bancorp $ 238,757 12.87 % $ 148,460 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 219,144 11.90 % $ 82,843 4.50 % $ 119,662 6.50 % Howard Bancorp $ 200,967 10.83 % $ 83,509 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 219,144 11.90 % $ 110,457 6.00 % $ 147,276 8.00 % Howard Bancorp $ 200,967 10.83 % $ 111,345 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 219,144 10.26 % $ 85,414 4.00 % $ 106,768 5.00 % Howard Bancorp $ 200,967 9.39 % $ 85,574 4.00 % N/A As of December 31, 2018: Total capital (to risk-weighted assets) Howard Bank $ 212,099 11.80 % $ 143,810 8.00 % $ 179,762 10.00 % Howard Bancorp $ 218,425 12.14 % $ 143,889 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 80,893 4.50 % $ 116,846 6.50 % Howard Bancorp $ 179,935 10.00 % $ 80,938 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 107,857 6.00 % $ 143,810 8.00 % Howard Bancorp $ 179,935 10.00 % $ 107,917 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 202,226 9.84 % $ 82,212 4.00 % $ 102,765 5.00 % Howard Bancorp $ 179,935 8.77 % $ 82,046 4.00 % N/A

Fair Value

Fair Value	9 Months Ended
	Sep. 30, 2019
Fair Value
Fair Value	Note 14: Fair Value FASB ASC Topic 820 “Fair Value Measurements” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC Topic 820 also establishes a fair value hierarchy, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Securities available for sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as loans held for investment and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. Under FASB ASC Topic 820, the Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine the fair value. These hierarchy levels are: Level 1: Valuations for assets and liabilities traded in active exchange markets. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2: Valuations for assets and liabilities traded in less active dealer or broker markets. Valuations are obtained from third party pricing services for identical or comparable assets or liabilities which use observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in active markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Recurring Fair Value Measurements All classes of investment securities available for sale are recorded at fair value using an industry-wide valuation service and therefore fall into a Level 2 of the fair value hierarchy. The service uses evaluated pricing models that vary based on asset class and include available trade, bid and other market information. Various methodologies include broker quotes, proprietary models, descriptive terms and conditions databases, and quality control programs. Fair value of loans held for sale is based upon outstanding investor commitments or, in the absence of such commitments, based on current investor yield requirements or third party pricing models and are considered Level 2. Gains and losses on loan sales are determined using specific identification method. Changes in fair value are recognized in the Consolidated Statement of Operations as part of realized and unrealized gain on mortgage banking activities. Interest rate lock commitments are recorded at fair value determined as the amount that would be required to settle each of these derivatives at the balance sheet date. In the normal course of business, the Company enters into contractual interest rate lock commitments to extend credit to borrowers with fixed expiration dates. The commitment becomes effective when the borrowers lock in a specified interest rate within the time frames established by the mortgage division. All borrowers are evaluated for credit worthiness prior to the extension of the commitment. Market risk arises if interest rates move adversely between the time interest rate is locked by the borrower and the sale date of the loan to an investor. To mitigate this interest rate risk inherent in providing rate lock commitments to borrowers, the Company enters into best effort forward sales contracts to sell loans to investors. The forward sales contracts lock in an interest rate price for the sale of loans similar to the specific rate lock commitment. Rate lock commitments to the borrowers through to the date the loan closes are undesignated derivatives and accordingly, are marked to fair value in earnings. These valuations fall into a Level 3 of the fair value hierarchy. The rate lock commitments are deemed as Level 3 inputs because the Company applies an estimated pull-through rate, which is deemed an unobservable measure. For loans held for investment that were originally intended to be sold and previously included as loans held for sale, fair value is determined by discounting estimated cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. The following table sets forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis at September 30, 2019 and December 31, 2018. September 30, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 66,862 $ — $ 66,862 $ — Mortgage-backed securities 94,175 — 94,175 — Other investments 2,989 — 2,989 — Loans held for sale 46,713 — 46,713 — Loans held for investment 1,336 — 1,336 — Rate lock commitments 97 — — 97 Interest rate swap assets 270 — 270 — Liabilities Interest rate swap liabilities 285 — 285 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 130,397 $ — $ 130,397 $ — Mortgage-backed securities 90,460 — 90,460 — Other investments 3,001 — 3,001 — Loans held for sale 21,261 — 21,261 — Loans held for investment 1,303 — 1,303 — Rate lock commitments 126 — — 126 Interest rate swap assets 100 — 100 — Liabilities Interest rate swap liabilities 106 — 106 — The following table presents a reconciliation of the assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods presented: September 30, December 31, 2019 2018 Balance, beginning of period $ 126 $ 530 Privately held equity investment — (72) Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income (29) (332) Balance, end of period $ 97 $ 126 Assets under fair value option: September 30, 2019 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 46,713 $ 45,592 $ 1,121 Loans held for investment 1,336 1,299 37 December 31, 2018 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 21,261 $ 20,785 $ 476 Loans held for investment 1,303 1,342 (39) The Company elected to measure the loans held for sale and the loans held for investment that were originally intended for sale, but instead were added to the Bank’s portfolio at fair value, to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet. Non-recurring Fair Value Measurements Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management's best estimate is used. Impaired loans are evaluated and valued at the time the loan is identified as impaired, at the lower of cost or market value. Market value is measured based on the value of the collateral securing these loans and is classified at a Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable. The value of real estate collateral is determined based on appraisal by qualified licensed appraisers hired by the Company. The value of business equipment, inventory and accounts receivable collateral is based on the net book value on the business' financial statements and, if necessary, discounted based on management's review and analysis. Appraised and reported values may be discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. Other real estate owned acquired through, or in lieu of, foreclosure are held for sale and are initially recorded at fair value, less selling costs. Any write-downs to fair value at the time of transfer to OREO are charged to noninterest expense subsequent to foreclosure. Values are derived from appraisals of underlying collateral and discounted cash flow analysis. There was a $367 thousand valuation loss recognized during the nine months ended September 30, 2019, and no valuation losses were recognized during the nine months ended September 30, 2018. OREO is classified within Level 3 of the hierarchy. The following table sets forth the Company’s financial assets and liabilities that were accounted for or disclosed at fair value on a nonrecurring basis at the periods presented. OREO is carried at fair value less anticipated costs to sell. Impaired loans are measured using the fair value of collateral, if applicable. September 30, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 3,926 $ — $ — $ 3,926 Impaired loans: Construction and land 493 — — 493 Residential - first lien 13,773 — — 13,773 Residential - junior lien 1,012 — — 1,012 Commercial - owner occupied 569 — — 569 Commercial - non-owner occupied 1,782 — — 1,782 Commercial loans and leases 2,086 — — 2,086 Consumer 288 — — 288 December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 4,392 $ — $ — $ 4,392 Impaired loans: Construction and land 1,449 — — 1,449 Residential - first lien 13,259 — — 13,259 Residential - junior lien 1,137 — — 1,137 Commercial - owner occupied 1,268 — — 1,268 Commercial - non-owner occupied 2,823 — — 2,823 Commercial loans and leases 2,255 — — 2,255 Consumer 174 — — 174 OREO consisted of an outstanding balance at September 30, 2019 of $5.8 million, less valuation allowance of $1.9 million, and at December 31, 2018 of $6.6 million, less valuation allowance of $2.2 million. There was no related allowance on impaired loans at September 30, 2019; however, there was an allowance of $2.4 million on impaired loans at December 31, 2018. Various techniques are used to value OREO and impaired loans. All loans for which the underlying collateral is real estate, either construction, land, commercial, or residential, an independent appraisal is used to identify the value of the collateral. The approaches within the appraisal report include sales comparison, income, and replacement cost analysis. The resulting value will be adjusted by a selling cost of 9.5% and the residual value will be used to determine if there is an impairment. Commercial loans and leases and consumer loans utilize a liquidation approach to the impairment analysis. The fair value of a financial instrument is the amount at which the instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Fair value estimates are based on quoted market prices where available or calculated using present value techniques. Since quoted market prices are not available on many of our financial instruments, estimates may be based on the present value of estimated future cash flows and estimated discount rates. Management has made estimates of fair value discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, management has no basis to determine whether the fair value presented for loans would be indicative of the value negotiated in an actual sale. The following table presents the estimated fair value of the Company’s financial instruments at the dates indicated: September 30, 2019 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 164,026 $ 164,026 $ — $ 164,026 $ — Held to maturity securities 9,750 9,924 — — 9,924 Nonmarketable equity securities 13,642 13,642 — 13,642 — Loans held for sale 46,713 46,713 — 46,713 — Loans held for investment 1,336 1,336 — 1,336 — Rate lock commitments 97 97 — — 97 Loans and leases 1 1,718,946 1,716,819 — — 1,716,819 Interest rate swap 270 270 — 270 — Financial Liabilities Deposits 1,655,623 1,654,373 — 1,654,373 — Short-term borrowings 274,161 274,161 — 274,161 — Long-term borrowings 28,191 28,191 — 28,191 — Interest rate swap 285 285 — 285 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 223,858 $ 223,858 $ — $ 223,858 $ — Held to maturity securities 9,250 9,253 — — 9,253 Nonmarketable equity securities 11,786 11,786 — 11,786 — Loans held for sale 21,261 21,261 — 21,261 — Loans held for investment 1,303 1,303 — 1,303 — Rate lock commitments 126 126 — — 126 Loans and leases 1 1,638,575 1,613,506 — — 1,613,506 Interest rate swap 100 100 — 100 — Financial Liabilities Deposits 1,685,806 1,681,295 — 1,681,295 — Short-term borrowings 134,576 134,576 — 134,576 — Long-term borrowings 142,077 142,296 — 142,296 — Interest rate swap 106 106 — 106 — (1) Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion at periods presented.

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2019
Revenue Recognition
Revenue Recognition	Note 15: Revenue Recognition Service Charges on Deposit Accounts Service charges on deposit accounts consist of account analysis fees, monthly service fees, check orders, and other deposit account related fees. The Banks’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Banks’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Other Operating Income Other operating income is primarily comprised of debit and credit card income, ATM fees, merchant services income, revenue streams such as safety deposit box rental fees, and other miscellaneous service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Banks’s debit and credit cards are processed through card payment networks such as Visa. ATM fees are primarily generated when a Bank’s cardholder uses a non-Bank ATM or a non-Bank cardholder uses a Bank ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Bank determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Bank’s performance obligation for fees, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. The following presents noninterest income, segregated by revenue streams in scope and out of scope of Topic 606, for the nine and three months ended September 30, 2019 and 2018. Unaudited Nine months ended Three months ended September 30, September 30, (in thousands) 2019 2018 2019 2018 NONINTEREST INCOME Service charges on deposit accounts $ 681 $ 441 $ 269 $ 193 Fees and other services charges 1,943 1,711 629 617 Other 46 52 8 13 Noninterest income in scope of Topic 606 2,670 2,204 906 823 Noninterest income out of scope of Topic 606 12,740 11,973 4,127 3,033 Total noninterest income $ 15,410 $ 14,177 $ 5,033 $ 3,856 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Bank’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals. Consideration is often received immediately or shortly after the Bank satisfies its performance obligation and revenue is recognized. The Bank does not typically enter into long term revenue contracts with customers, and therefore, does not experience significant contract balances. As of September 30, 2019 and December 31, 2018, the Bank did not have any significant contract balances. Contract Acquisition Costs In connection with the adoption of Topic 606, an entity is required to capitalize, and subsequently amortize into expense, certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained (for example, sales commission). The Company utilizes the practical expedient which allows entities to immediately expense contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less. Upon adoption of Topic 606, the Bank did not capitalize any contract acquisition cost.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2019
Summary of Significant Accounting Policies
Nature of Operations	Nature of Operations On December 15, 2005, Howard Bancorp, Inc. (“Bancorp”) acquired all of the stock and became the holding company of Howard Bank (the “Bank”) pursuant to the Plan of Reorganization approved by the stockholders of the Bank and by federal and state regulatory agencies. Each share of the Bank’s common stock was converted into two shares of Bancorp common stock effected by the filing of Articles of Exchange on that date, and the stockholders of the Bank became the stockholders of Bancorp. The Bank has seven subsidiaries, six of which are intended to hold foreclosed real estate (three of which are inactive) and the other owns and manages real estate that is used as a branch location and has office and retail space. The accompanying consolidated financial statements of Bancorp and its wholly owned subsidiary, the Bank (collectively, the “Company”), have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Bancorp was incorporated in April of 2005 under the laws of the State of Maryland and is a bank holding company registered under the Bank Holding Company Act of 1956. Bancorp is a single bank holding company with one subsidiary, the Bank, which operates as a state trust company with commercial banking powers regulated by the Maryland Office of the Commissioner of Financial Regulation (the “Commissioner”). The Company is a diversified financial services company providing commercial banking, mortgage banking and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located primarily in the Greater Baltimore Metropolitan Area. On December 6, 2018, the Company entered into Subordinated Note Purchase Agreements with certain institutional accredited investors (the “Purchasers”) pursuant to which the Company sold and issued $25,000,000 in aggregate principal amount of 6.00% Fixed-to-Floating Rate Subordinated Notes due December 6, 2028 (the “Notes”). The Notes were issued by the Company to the Purchasers at a price equal to 100% of their face amount in a private offering in reliance on the exemptions from registration available under Section 4(a)(2) of the Securities Act of 1933, as amended (the “Securities Act”), and the provisions of Regulation D thereunder. The Company used the net proceeds from this offering for general corporate purposes, to provide for continued growth and to supplement its regulatory capital ratios. On March 1, 2018, Bancorp completed its previously announced merger (the “First Mariner merger”) with First Mariner Bank, a Maryland chartered trust company (“First Mariner”), pursuant to the Agreement and Plan of Reorganization dated as August 14, 2017, and as amended by Amendment No. 1 on November 8, 2017, by and among Bancorp, the Bank and First Mariner (as amended, the “First Mariner Merger Agreement”). At the effective time of the First Mariner merger, First Mariner merged with and into the Bank, with the Bank continuing as the surviving bank of the First Mariner merger and a wholly owned subsidiary of the Company. At the effective time of the First Mariner merger, each outstanding share of First Mariner common stock and First Mariner Series A Non-Voting Non-Cumulative Perpetual Preferred Stock issued and outstanding was cancelled and converted into the right to receive 1.6624 shares of Bancorp common stock, provided that cash was paid in lieu of any fractional shares. The aggregate merger consideration of $173.8 million included $9.2 million of cash and 9,143,222 shares of our common stock, which was valued at approximately $164.6 million based on Bancorp’s closing stock price of $18.00 on February 28, 2018. The following is a description of the Company’s significant accounting policies.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Bancorp, its subsidiary bank and the Bank’s subsidiaries. All significant intercompany accounts and transactions have been eliminated. The parent company only financial statements report investments in the subsidiary bank under the equity method.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for credit losses, goodwill, deferred tax assets, other-than-temporary impairment of investment securities and the fair value of loans held for sale.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses is maintained at a level believed adequate by management to absorb probable losses inherent in the loan portfolio and is based on the size and current risk characteristics of the loan portfolio, an assessment of individual problem loans, actual loss experience, current economic events in specific industries and geographic areas including unemployment levels and other pertinent factors including general economic conditions. Determination of the allowance is inherently subjective as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans, estimated losses on pools of homogenous loans based on historical loss experience and consideration of economic trends, all of which may be susceptible to significant change. Credit losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance. A provision for credit losses is charged to operations based on management’s periodic evaluation of the factors previously mentioned, as well as other pertinent factors. Evaluations are conducted at least quarterly and more often if deemed necessary. The allowance for credit losses consists of a specific component and a nonspecific component. The components of the allowance for credit losses represent an estimation done pursuant to either the Financial Accounting Standards Board’s (the “FASB”) Accounting Standards Codification (“ASC”) Topic 450 Contingencies or ASC Topic 310 Receivables . The specific component of the allowance for credit losses reflects expected losses resulting from analysis developed through credit allocations for individual loans. The credit allocations are based on a regular analysis of all loans over a fixed-dollar amount where the internal credit rating is at or below a predetermined classification. The specific component of the allowance for credit losses also includes management’s determination of the amounts necessary given concentrations and changes in portfolio mix and volume. The nonspecific portion of the allowance is determined based on management’s assessment of general economic conditions, as well as economic factors in the individual markets in which the Company operates including the strength and timing of economic cycles and concerns over the effects of a prolonged economic downturn in the current cycle. This determination inherently involves a higher risk of uncertainty and considers current risk factors that may not have yet manifested themselves in the Bank’s historical loss factors used to determine the nonspecific component of the allowance, and it recognizes knowledge of the portfolio may be incomplete. The Bank’s historic loss factors are based upon actual losses incurred by portfolio segment over the preceding 24-month period. In portfolio segments where no actual losses have been incurred within the most recent 24-month period, industry loss data for that portfolio segment, as provided by the Federal Deposit Insurance Corporation (“FDIC”), are utilized. In addition to historic loss factors, the Bank’s methodology for the allowance for credit losses also incorporates other risk factors that may be inherent within the portfolio segments. For each portfolio segment, in addition to the historic loss experience, the other factors that are measured and monitored in the overall determination of the allowance include: · changes in lending policies, procedures, practices or personnel; · changes in the level and composition of construction portfolio and related risks; · changes and migration of classified assets; · changes in exposure to subordinate collateral lien positions; · levels and composition of existing guarantees on loans by the Small Business Administration or other agencies; · changes in national, state and local economic trends and business conditions; · changes and trends in levels of loan payment delinquencies; and · any other factors that management considers relevant to the quality or performance of the loan portfolio. Each of these qualitative risk factors is measured based upon data generated either internally, or in the case of economic conditions utilizing independently provided data on items such as unemployment rates, commercial real estate vacancy rates, or other market data deemed relevant to the business conditions within the markets served. The Company’s loan policies state that after all collection efforts have been exhausted, and the loan is deemed to be a loss, then the remaining loan balance will be charged to the Company’s established allowance for credit losses. All loans are evaluated for loss potential once it has been determined by the Watch Committee that the likelihood of repayment is in doubt. When a loan is past due for at least 90 days or a deterioration in debt service coverage ratio, guarantor liquidity, or loan-to-value ratio has occurred that would cause concern regarding the likelihood of the full repayment of principal and interest, and the loan is deemed not to be well secured, the loan should be moved to non-accrual status and a specific reserve is established if the net realizable value is less than the principal value of the loan balance(s). Once the actual loss value has been determined a charge-off against the allowance for credit losses for the amount of the loss is taken. Each loss is evaluated on its specific facts regarding the appropriate timing to recognize the loss.
Goodwill, Other Intangible Assets and Long-Lived Assets	Goodwill, Other Intangible Assets and Long-Lived Assets Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Core deposit intangibles represent the estimated value of long-term deposit relationships acquired in a business combination. The core deposit intangible is amortized over the estimated useful lives of the long-term deposits acquired, and the remaining amounts of the core deposit intangible are periodically reviewed for impairment. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. Long-lived assets are those that provide the Company with a future economic benefit beyond the current year or operating period. Long-lived assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset is greater than the fair value of the asset. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell. An impairment analysis is performed annually. Management has determined that Bancorp has one reporting unit, and based upon the annual impairment analysis, it was determined that there was not an impairment of the carrying value of either the goodwill, core deposit intangible or other long-lived assets for 2018. The Company is not aware of any issues that have arisen since our last impairment analysis performed in the fourth quarter of 2018.
Income Taxes	Income Taxes The Company uses the asset/liability method of accounting for income taxes. Under the asset/liability method, deferred tax assets and liabilities are determined based on differences between the financial statement carrying amounts and the tax bases of existing assets and liabilities (i.e., temporary differences) and are measured at the enacted rates that will be in effect when these differences reverse. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. In addition, deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or the entire deferred tax asset will not be realized. The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits. The Company’s policy is to recognize interest and penalties on income taxes in other noninterest expenses. The Company remains subject to examination by federal and state taxing authorities for income tax returns for the years ending after December 31, 2015.
Share-Based Compensation	Share-Based Compensation Compensation cost is recognized for stock options issued to directors and employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. When an award is granted to an employee who is retirement eligible, the compensation cost of these awards is recognized over the period up to when the director or employee first becomes eligible to retire. Compensation expense for non-vested common stock awards is based on the fair value of the awards, which is generally the market price of the common stock on the measurement date, which, for the Company, is the date of grant, and is recognized ratably over the service period of the award.
Reclassifications	Reclassifications Certain items in prior financial statements have been reclassified to conform to the current presentation. These reclassifications did not affect previously reported net income or total stockholders’ equity.
New Accounting Pronouncements	New Accounting Pronouncements The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (“ASU”) 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits use of the OIS rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes. Alternative Reference Rates Committee has proposed that the SOFR is the rate that represents best practice as the alternative to derivatives currently indexed to London Inter-Bank Offered Rate (“LIBOR”). The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The amendments should be adopted on a prospective basis for qualifying new or re-designated hedging relationships entered into on or after the date of adoption. The Company has non-designated hedge contracts that are indexed to LIBOR and is monitoring this activity and evaluating the related risks as they relate to derivatives. The FASB has issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework— Changes to the Disclosure Requirements for Fair Value Measurement. This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019; early adoption is permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the new disclosure requirements until their effective date. ASU 2018-13 is not expected have a material impact on the Company’s Consolidated Financial Statements. The FASB has issued ASU 2017-04, Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. The amendments in this Update simplify the subsequent measurement of goodwill by eliminating Step 2 from the goodwill impairment test. The Company should perform its goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. Impairment charges should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value, however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. The impairment charge is limited to the amount of goodwill allocated to that reporting unit. The amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. The Company will evaluate the guidance in this Update but does not expect it to have a significant impact on the Company’s financial position or results of operations. The FASB has issued ASU 2016-13, Financial Instruments—Credit Losses (Topic 326) . The main objective of this update is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the guidance in this Update replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. In July 2019, the FASB proposed changes to the effective date for smaller reporting companies, as defined by the SEC that would delay the effective date to fiscal years beginning after December 15, 2022, including interim periods within those fiscal periods. On October 16, 2019, the FASB approved its proposal to delay the effective date for smaller reporting companies and plan to release a final ASU in mid-November. As the Company is a smaller reporting company for fiscal year 2019, the proposed delay would be applicable. The Company has engaged a third party vendor and is currently gathering historical data and reviewing the methodologies and assumptions utilized to determine the impact of this update on the Company’s Consolidated Financial Statements.

Business Combinations (Tables)

Business Combinations (Tables)	9 Months Ended
	Sep. 30, 2019
Business Combinations
Schedule of recognized identified assets acquired and liabilities assumed	The following table provides the purchase price as of the date of the First Mariner merger (the “acquisition date”), the identifiable assets acquired and liabilities assumed at their estimated fair values, and the resulting goodwill of $65.3 million recorded from the acquisition: (in thousands) Purchase Price Consideration Cash consideration $ 9,245 Purchase price assigned to shares exchanged for stock 164,578 Total purchase price for First Mariner acquisition $ 173,823 Assets acquired at fair value: Cash and cash equivalents $ 38,889 Interest bearing deposits with banks 3,920 Investment securities available for sale 130,302 Loans held for sale 28,189 Loans 664,338 Accrued interest receivable 3,023 Other assets 124,797 Core deposit intangible 12,588 Total fair value of assets acquired $ 1,006,046 Liabilities assumed at fair value: Deposits 706,435 Borrowings 185,020 Accrued expenses and other liabilities 6,114 Total fair value of liabilities assumed $ 897,569 Net assets acquired at fair value: $ 108,477 Transaction consideration paid to First Mariner 173,823 Amount of goodwill recorded from First Mariner Acquisition $ 65,346
Schedule of proforma financial information	Nine months ended Three months ended September 30, 2018 September 30, 2018 Net interest income after provision $ 51,442 $ 17,951 Noninterest income 16,207 3,856 Noninterest expense 58,647 16,608 Net income 6,525 3,768 Net income per share $ 0.34 $ 0.20

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2019
Investment Securities
Schedule of available-for-sale securities and held-to-maturity	(in thousands) September 30, 2019 December 31, 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Estimated Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Cost Gains Losses Fair Value Available for sale U.S. Government Agencies $ 65,698 $ 1,165 $ 1 $ 66,862 $ 130,088 $ 428 $ 119 $ 130,397 Mortgage-backed 91,354 2,860 39 94,175 90,242 90,460 Other investments 3,010 — 21 2,989 3,011 — 10 3,001 $ 160,062 $ 4,025 $ 61 $ 164,026 $ 223,341 $ 792 $ 275 $ 223,858 Held to maturity Corporate debentures $ 9,750 $ 174 $ — $ 9,924 $ 9,250 $ 45 $ 42 $ 9,253
Schedule of unrealized loss on investments	September 30, 2019 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 4,527 $ 1 $ 999 $ — $ 5,526 $ 1 Mortgage-backed 8,003 30 981 9 8,984 39 Other investments 2,989 21 — — 2,989 21 $ 15,519 $ 52 $ 1,980 $ 9 $ 17,499 $ 61 Held to maturity Corporate debentures $ — $ — $ — $ — $ — $ — December 31, 2018 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 3,049 $ 3 $ 13,887 $ 116 $ 16,936 $ 119 Mortgage-backed 26,197 54 2,107 92 28,304 146 Other investments 3,001 10 — — 3,001 10 $ 32,247 $ 67 $ 15,994 $ 208 $ 48,241 $ 275 Held to maturity Corporate debentures $ 2,458 $ 42 $ — $ — $ 2,458 $ 42
Schedule of investment securities by contractual maturity	(in thousands) September 30, 2019 December 31, 2018 Amortized Estimated Fair Amortized Estimated Fair Cost Value Cost Value Amounts maturing: One year or less $ 2,496 $ 2,494 $ 38,936 $ 38,892 After one through five years 60,206 61,263 88,175 88,513 After five through ten years 20,329 20,845 19,873 19,921 After ten years 86,781 89,348 85,607 85,785 $ 169,812 $ 173,950 $ 232,591 $ 233,111

Loans and Leases (Tables)

Loans and Leases (Tables)	9 Months Ended
	Sep. 30, 2019
Loans and Leases
Schedule of loan portfolio segment	September 30, 2019 December 31, 2018 % of % of (in thousands) Total Total Total Total Real estate Construction and land $ 124,326 7.2 % $ 123,671 7.5 % Residential - first lien 415,688 24.0 383,044 23.2 Residential - junior lien 76,272 4.4 89,645 5.4 Total residential real estate 491,960 28.4 472,689 28.6 Commercial - owner occupied 239,464 13.8 234,102 14.2 Commercial - non-owner occupied 442,813 25.6 427,747 25.9 Total commercial real estate 682,277 39.4 661,849 40.1 Total real estate loans 1,298,563 75.0 1,258,209 76.2 Commercial loans and leases 383,557 22.2 336,876 20.5 Consumer 47,760 2.8 54,666 3.3 Total loans $ 1,729,880 100.0 % $ 1,649,751 100.0 %
Schedule of acquired impaired loans	: For the nine months ended For the three months ended September 30, September 30, (in thousands) 2019 2018 2019 2018 Balance at beginning of period $ 877 $ — $ 767 $ 1,021 Impaired loans acquired — 1,055 — — Accretion of fair value discounts (156) (92) (46) (58) Balance at end of period $ 721 $ 963 $ 721 $ 963 The table below presents the outstanding balances and related carrying amounts for all acquired impaired loans at the end of the respective periods. Contractually Required Payments Carrying (in thousands) Receivable Amount At September 30, 2019 $ 11,409 $ 9,147 At December 31, 2018 15,463 11,446 At September 30, 2018 16,479 12,503

Credit Quality Assessment (Tabl

Credit Quality Assessment (Tables)	9 Months Ended
	Sep. 30, 2019
Credit Quality Assessment
Allowance for loan and lease losses	September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Nine months ended: Beginning balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Charge-offs (282) (453) (508) (46) (2,026) (622) (23) (3,960) Recoveries 79 — 114 — 12 35 2 242 Provision for credit losses 810 1,246 535 245 787 (320) 140 3,443 Ending balance $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 Three months ended: Beginning balance $ 1,128 $ 1,790 $ 437 $ 893 $ 2,799 $ 1,695 $ 378 $ 9,120 Charge-offs — (91) (37) (2) — (97) (5) (232) Recoveries 79 — 10 — 9 3 1 102 Provision for credit losses 141 264 23 43 22 136 (21) 608 Ending balance $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 September 30, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Nine months ended: Beginning balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Charge-offs (202) (121) (195) (1) (749) (977) (59) (2,304) Recoveries — 8 7 — 31 77 5 128 Provision for credit losses 125 454 304 82 1,261 743 272 3,241 Ending balance $ 658 $ 1,009 $ 293 $ 698 $ 1,953 $ 2,372 $ 241 $ 7,224 Three months ended: Beginning balance $ 661 $ 680 $ 213 $ 726 $ 1,623 $ 2,667 $ 49 $ 6,619 Charge-offs — (19) (46) — (3) (65) (10) (143) Recoveries — 7 7 — 29 9 — 52 Provision for credit losses (3) 341 119 (28) 304 (239) 202 696 Ending balance $ 658 $ 1,009 $ 293 $ 698 $ 1,953 $ 2,372 $ 241 $ 7,224 The following tables provide additional information on the allowance for credit losses at September 30, 2019 and December 31, 2018: September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ — collectively evaluated for impairment $ 1,348 $ 1,963 $ 433 $ 934 $ 2,830 $ 1,737 $ 353 $ 9,598 Loans: Ending balance $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 individually evaluated for impairment $ 493 $ 13,773 $ 1,012 $ 569 $ 1,782 $ 2,086 $ 288 $ 20,003 collectively evaluated for impairment $ 123,833 $ 401,915 $ 75,260 $ 238,895 $ 441,031 $ 381,471 $ 47,472 $ 1,709,877 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ 2,195 $ 200 $ — $ 2,395 collectively evaluated for impairment $ 741 $ 1,170 $ 292 $ 735 $ 1,862 $ 2,444 $ 234 7,478 Loans: Ending balance $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 individually evaluated for impairment $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 24,760 collectively evaluated for impairment $ 122,222 $ 369,785 $ 88,508 $ 232,834 $ 422,729 $ 334,421 $ 54,492 $ 1,624,991
Schedule of credit risk profile	September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 123,958 $ 402,887 $ 75,260 $ 238,895 $ 440,954 $ 381,864 $ 47,472 $ 1,711,290 Special mention — — — — — — — — Substandard 368 12,801 1,012 569 1,859 1,693 288 18,590 Doubtful — — — — — — — — Total $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 122,270 $ 370,766 $ 88,507 $ 228,408 $ 422,591 $ 334,152 $ 54,492 $ 1,621,186 Special mention 78 — — 3,877 — — — 3,955 Substandard 1,323 12,278 1,138 1,817 5,156 2,724 174 24,610 Doubtful — — — — — — — — Total $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751
Schedule of aged analysis of past due loans	September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans: Accruing loans current $ 123,958 $ 400,454 $ 73,993 $ 238,376 $ 440,775 $ 381,717 $ 47,292 $ 1,706,565 Accruing loans past due: 30‑59 days past due — — 1,157 168 204 48 69 1,646 60‑89 days past due — 2,311 110 — — 99 111 2,631 Greater than 90 days past due — 122 — 351 52 — — 525 Total past due — 2,433 1,267 519 256 147 180 4,802 Non-accrual loans 1 368 12,801 1,012 569 1,782 1,693 288 18,513 Total loans $ 124,326 $ 415,688 $ 76,272 $ 239,464 $ 442,813 $ 383,557 $ 47,760 $ 1,729,880 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans: Accruing loans current $ 121,831 $ 361,522 $ 86,884 $ 232,834 $ 422,297 $ 334,058 $ 54,483 $ 1,613,909 Accruing loans past due: 30‑59 days past due — 6,433 937 — 432 94 9 7,905 60‑89 days past due 166 2,241 687 — — 307 — 3,401 Greater than 90 days past due 351 570 — — — — — 921 Total past due 517 9,244 1,624 — 432 401 9 12,227 Non-accrual loans 1 1,323 12,278 1,137 1,268 5,018 2,417 174 23,615 Total loans $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 (1)
Schedule of impaired loans	September 30, 2019 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) & land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 493 $ 13,773 $ 1,012 $ 569 $ 1,782 $ 2,086 $ 288 $ 20,003 With an allowance recorded — — — — — — — — With no related allowance recorded 493 13,773 1,012 569 1,782 2,086 288 20,003 Related allowance — — — — — — — — Unpaid principal 679 15,028 1,229 586 2,083 3,321 302 23,228 Nine months ended: Average balance of impaired loans 818 16,107 1,532 596 2,115 3,650 313 25,131 Interest income recognized 4 287 69 28 11 38 5 442 Three months ended: Average balance of impaired loans 810 16,036 1,508 590 2,102 3,680 313 25,039 Interest income recognized 2 144 37 20 2 21 — 226 December 31, 2018 Commercial Commercial Commercial Construction Residential Residential owner non-owner loans Consumer (in thousands) & land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 $ 24,760 With an allowance recorded — — — — 2,816 200 — 3,016 With no related allowance recorded 1,449 13,259 1,137 1,268 2,202 2,255 174 21,744 Related allowance — — — — 2,195 200 — 2,395 Unpaid principal 1,873 14,425 1,456 1,569 5,295 4,868 185 29,671 Average balance of impaired loans 1,873 15,446 1,448 1,569 5,340 5,556 185 31,417 Interest income recognized — 474 51 16 5 125 5 676 (1)
Schedule of TDRs	September 30, 2019 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 279 2 972 1,251 Commercial loans and leases 1 514 1 350 864 3 $ 793 4 $ 1,447 $ 2,240 December 31, 2018 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 291 2 982 1,273 Commercial - non-owner occupied 2 2,815 — — 2,815 Commercial loans and leases 1 514 — — 514 5 $ 3,620 3 $ 1,107 $ 4,727
Schedule of summary of TDR modifications	September 30, 2019 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 279 972 1,251 Commercial loans Extension or other modification — — 350 350 Forbearance — 514 — 514 Total troubled debt restructured loans $ — $ 793 $ 1,447 $ 2,240 December 31, 2018 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 291 982 1,273 Commercial RE - non-owner occupied Rate modification 2,195 2,815 — 2,815 Commercial loans Forbearance — 514 — 514 Total troubled debt restructured loans $ 2,195 $ 3,620 $ 1,107 $ 4,727

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2019
Derivatives and Hedging Activities
Schedule of derivative financial instruments	September 30, 2019 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 2,905 $ 270 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 2,905 $ — $ 285 December 31, 2018 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 3,061 $ 100 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 3,061 $ — $ 106

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2019
Goodwill and Other Intangible Assets
Schedule of goodwill	The table below shows goodwill balances at September 30, 2019 and December 31, 2018. September 30, December 31, (in thousands) 2019 2018 Goodwill Banking $ 65,949 $ 70,697
Schedule of gross carrying amount and accumulated amortization of other intangible assets	September 30, 2019 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 6,949 $ 9,186 4.0 December 31, 2018 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 4,653 $ 11,482 4.7
Schedule of estimated future amortization expense	Estimated future amortization expense for amortizing intangibles for the years ending December 31, are as follows: (in thousands) 2019 $ 717 2020 2,674 2021 2,326 2022 1,915 2023 1,298 Thereafter 256 Total amortizing intangible assets $ 9,186

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2019
Leases
Schedule of operating leases	Operating leases included the following at: (in thousands) September 30, 2019 Operating Leases Operating leases ROU $ 14,463 Operating lease liabilities $ 14,845
Schedule of components of lease expense	The components of lease expense were as follows: Nine months ended September 30, Three months ended September 30, (in thousands) 2019 2018 2019 2018 Operating lease cost $ 1,508 $ 2,857 $ 428 $ 897 Sublease income (437) (393) (144) (142) Amortization of ROU assets 116 — 34 — $ 1,187 $ 2,464 $ 318 $ 755
Schedule of lease liability maturities	Lease liability maturities are as follows: (in thousands) 2019 $ 437 2020 1,636 2021 1,546 2022 1,404 2023 1,257 Thereafter 12,396 Total future lease payments $ 18,676 Discount of cash flows (3,831) Present value on net future lease payments $ 14,845 Weighted average remaining term in years 7.01 Weighted average discount rate 3.02 %

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2019
Deposits
Schedule of deposits	(dollars in thousands) September 30, 2019 December 31, 2018 % of % of Amount Total Amount Total Noninterest-bearing demand $ 442,549 27 % $ 429,200 26 % Interest-bearing checking 174,645 10 227,322 13 Money market accounts 360,218 22 356,130 21 Savings 131,064 8 134,893 8 Certificates of deposit $250 and over 81,639 5 82,511 5 Certificates of deposit under $250 465,508 28 455,750 27 Total deposits $ 1,655,623 100 % $ 1,685,806 100 %

Stock Options and Stock Awards

Stock Options and Stock Awards (Tables)	9 Months Ended
	Sep. 30, 2019
Stock Options and Stock Awards
Schedule of Stock options, activity	September 30, 2019 December 31, 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Balance at January 1, 15,268 $ 8.76 30,991 $ 9.69 Granted 25,000 14.54 - — Exercised (13,418) 8.58 (9,123) 10.63 Forfeited (1,850) 10.10 (6,600) 10.52 Balance at period end 25,000 $ 14.54 15,268 $ 8.76 Exercisable at period end — $ — 15,268 $ 8.76 Weighted average fair value of options granted during the year $ $ —
Schedule of Restricted stock and stock units activity	A summary of the activity for the Company’s RSUs for the periods indicated is presented in the following table: September 30, 2019 December 31, 2018 Weighted Weighted Average Average Grant Date Grant Date Shares Fair Value Shares Fair Value Balance at January 1, 9,731 $ 17.29 52,155 $ 15.09 Granted 18,500 14.54 20,732 19.90 Vested (6,699) 16.38 (54,542) 16.63 Forfeited (1,500) 14.54 (8,614) 14.41 Balance at period end 20,032 $ 15.34 9,731 $ 17.29
Schedule of unrecognized pre-tax compensation expense related to unvested RSUs	At September 30, 2019, based on RSUs outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested RSUs was $237 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2019 $ 36 2020 112 2021 82 2022 7 $ 237
Stock-based compensation expense	Nine months ended Three months ended September 30 September 30 (in thousands) 2019 2018 2019 2018 Stock-based compensation expense Related to the issuance of RSUs $ 134 $ 609 $ 22 $ 37 Director compensation paid in stock $ 127 $ 217 $ 65 $ 116

Income (Loss) per Common Share

Income (Loss) per Common Share (Tables)	9 Months Ended
	Sep. 30, 2019
Income (Loss) per Common Share
Schedule of basic and diluted income per common share	Nine months ended Three months ended September 30, September 30, (dollars in thousands, except per share data) 2019 2018 2019 2018 Net income (loss) available to common stockholders (numerator) $ 10,981 $ (3,974) $ 4,637 $ 3,979 BASIC Basic average common shares outstanding (denominator) 19,064,235 17,058,217 19,078,561 19,025,855 Basic income (loss) per common share $ 0.58 $ (0.23) $ 0.24 $ 0.21 DILUTED Average common shares outstanding 19,064,235 17,058,217 19,078,561 19,025,855 Dilutive effect of common stock equivalents 7,870 — 3,402 9,338 Diluted average common shares outstanding (denominator) 19,072,105 17,058,217 19,081,963 19,035,193 Diluted income (loss) per common share $ 0.58 $ (0.23) $ 0.24 $ 0.21 Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above 25,000 31,932 25,000 —

Risk-Based Capital (Tables)

Risk-Based Capital (Tables)	9 Months Ended
	Sep. 30, 2019
Risk-Based Capital
Schedule of Bancorp's and the Bank's capital	To be well capitalized under the FDICIA For capital prompt corrective Actual adequacy purposes action provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of September 30, 2019: Total capital (to risk-weighted assets) Howard Bank $ 228,742 12.43 % $ 147,276 8.00 % $ 184,096 10.00 % Howard Bancorp $ 238,757 12.87 % $ 148,460 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 219,144 11.90 % $ 82,843 4.50 % $ 119,662 6.50 % Howard Bancorp $ 200,967 10.83 % $ 83,509 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 219,144 11.90 % $ 110,457 6.00 % $ 147,276 8.00 % Howard Bancorp $ 200,967 10.83 % $ 111,345 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 219,144 10.26 % $ 85,414 4.00 % $ 106,768 5.00 % Howard Bancorp $ 200,967 9.39 % $ 85,574 4.00 % N/A As of December 31, 2018: Total capital (to risk-weighted assets) Howard Bank $ 212,099 11.80 % $ 143,810 8.00 % $ 179,762 10.00 % Howard Bancorp $ 218,425 12.14 % $ 143,889 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 80,893 4.50 % $ 116,846 6.50 % Howard Bancorp $ 179,935 10.00 % $ 80,938 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 107,857 6.00 % $ 143,810 8.00 % Howard Bancorp $ 179,935 10.00 % $ 107,917 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 202,226 9.84 % $ 82,212 4.00 % $ 102,765 5.00 % Howard Bancorp $ 179,935 8.77 % $ 82,046 4.00 % N/A

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2019
Fair Value
Schedule of financial assets and liabilities that were accounted for at fair value on a recurring basis	September 30, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 66,862 $ — $ 66,862 $ — Mortgage-backed securities 94,175 — 94,175 — Other investments 2,989 — 2,989 — Loans held for sale 46,713 — 46,713 — Loans held for investment 1,336 — 1,336 — Rate lock commitments 97 — — 97 Interest rate swap assets 270 — 270 — Liabilities Interest rate swap liabilities 285 — 285 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 130,397 $ — $ 130,397 $ — Mortgage-backed securities 90,460 — 90,460 — Other investments 3,001 — 3,001 — Loans held for sale 21,261 — 21,261 — Loans held for investment 1,303 — 1,303 — Rate lock commitments 126 — — 126 Interest rate swap assets 100 — 100 — Liabilities Interest rate swap liabilities 106 — 106 —
Schedule of reconciliation of the assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	September 30, December 31, 2019 2018 Balance, beginning of period $ 126 $ 530 Privately held equity investment — (72) Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income (29) (332) Balance, end of period $ 97 $ 126
Schedule of assets under fair value option	September 30, 2019 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 46,713 $ 45,592 $ 1,121 Loans held for investment 1,336 1,299 37 December 31, 2018 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 21,261 $ 20,785 $ 476 Loans held for investment 1,303 1,342 (39)
Schedule of impaired loans are measured using the fair value of collateral	September 30, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 3,926 $ — $ — $ 3,926 Impaired loans: Construction and land 493 — — 493 Residential - first lien 13,773 — — 13,773 Residential - junior lien 1,012 — — 1,012 Commercial - owner occupied 569 — — 569 Commercial - non-owner occupied 1,782 — — 1,782 Commercial loans and leases 2,086 — — 2,086 Consumer 288 — — 288 December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 4,392 $ — $ — $ 4,392 Impaired loans: Construction and land 1,449 — — 1,449 Residential - first lien 13,259 — — 13,259 Residential - junior lien 1,137 — — 1,137 Commercial - owner occupied 1,268 — — 1,268 Commercial - non-owner occupied 2,823 — — 2,823 Commercial loans and leases 2,255 — — 2,255 Consumer 174 — — 174
Schedule of estimated fair value of the Company's financial instruments	September 30, 2019 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 164,026 $ 164,026 $ — $ 164,026 $ — Held to maturity securities 9,750 9,924 — — 9,924 Nonmarketable equity securities 13,642 13,642 — 13,642 — Loans held for sale 46,713 46,713 — 46,713 — Loans held for investment 1,336 1,336 — 1,336 — Rate lock commitments 97 97 — — 97 Loans and leases 1 1,718,946 1,716,819 — — 1,716,819 Interest rate swap 270 270 — 270 — Financial Liabilities Deposits 1,655,623 1,654,373 — 1,654,373 — Short-term borrowings 274,161 274,161 — 274,161 — Long-term borrowings 28,191 28,191 — 28,191 — Interest rate swap 285 285 — 285 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 223,858 $ 223,858 $ — $ 223,858 $ — Held to maturity securities 9,250 9,253 — — 9,253 Nonmarketable equity securities 11,786 11,786 — 11,786 — Loans held for sale 21,261 21,261 — 21,261 — Loans held for investment 1,303 1,303 — 1,303 — Rate lock commitments 126 126 — — 126 Loans and leases 1 1,638,575 1,613,506 — — 1,613,506 Interest rate swap 100 100 — 100 — Financial Liabilities Deposits 1,685,806 1,681,295 — 1,681,295 — Short-term borrowings 134,576 134,576 — 134,576 — Long-term borrowings 142,077 142,296 — 142,296 — Interest rate swap 106 106 — 106 — Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion at periods presented.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	9 Months Ended
	Sep. 30, 2019
Revenue Recognition
Schedule of noninterest income, segregated by revenue streams in scope and out of scope of Topic 606	Unaudited Nine months ended Three months ended September 30, September 30, (in thousands) 2019 2018 2019 2018 NONINTEREST INCOME Service charges on deposit accounts $ 681 $ 441 $ 269 $ 193 Fees and other services charges 1,943 1,711 629 617 Other 46 52 8 13 Noninterest income in scope of Topic 606 2,670 2,204 906 823 Noninterest income out of scope of Topic 606 12,740 11,973 4,127 3,033 Total noninterest income $ 15,410 $ 14,177 $ 5,033 $ 3,856

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details)	Dec. 06, 2018USD ($)	Mar. 01, 2018USD ($)shares	Feb. 28, 2018USD ($)shares	Sep. 30, 2019USD ($)subsidiary	Sep. 30, 2018USD ($)	Dec. 15, 2005subsidiaryshares
Summary of Significant Accounting Policies [Line Items]
Number of subsidiaries | subsidiary				1
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	6.00%
Subordinated Debt	$ 25,000,000
Percentage of notes issued to purchasers	100.00%
Stockholders' Equity Note, Stock Split, Conversion Ratio				1.6624
Payments to Acquire Businesses, Net of Cash Acquired					$ (29,285,000)
Stock Issued During Period, Value, Acquisitions					$ 164,578,000
Proceeds from Issuance or Sale of Equity			$ 18
Howard Bank [Member]
Summary of Significant Accounting Policies [Line Items]
Number of subsidiaries | subsidiary						7
Number of subsidiaries to hold foreclosed real estate | subsidiary						6
Number of inactive subsidiaries | subsidiary						3
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares Per Share | shares						2
First Mariner Bank [Member]
Summary of Significant Accounting Policies [Line Items]
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares Per Share | shares			1.6624
Business Combination, Consideration Transferred			$ 173,800,000	$ 173,823,000
Payments to Acquire Businesses, Net of Cash Acquired		$ 9,200,000
Stock Issued During Period, Shares, Acquisitions | shares		9,143,222
Stock Issued During Period, Value, Acquisitions		$ 164,600,000

Business Combinations - First M

Business Combinations - First Mariner (Details) - USD ($) $ in Thousands	Feb. 28, 2018	Sep. 30, 2019	Dec. 31, 2018
Liabilities assumed at fair value:
Amount of goodwill recorded from First Mariner Acquisition		$ 65,949	$ 70,697
First Mariner Bank [Member]
Purchase Price Consideration
Cash consideration	$ 9,200	9,245
Purchase price assigned to shares exchanged for stock	164,600	164,578
Total purchase price for First Mariner acquisition	173,800	173,823
Assets acquired at fair value:
Cash and cash equivalents		38,889
Interest bearing deposits with banks		3,920
Investment securities available for sale		130,302
Loans held for sale		28,189
Loans		664,338
Accrued interest receivable		3,023
Other assets		124,797
Core deposit intangible		12,588
Total fair value of assets acquired		1,006,046
Liabilities assumed at fair value:
Deposits		706,435
Borrowings		185,020
Accrued expenses and other liabilities		6,114
Total fair value of liabilities assumed		897,569
Net assets acquired at fair value:		108,477
Transaction consideration paid to First Mariner	$ 173,800	173,823
Amount of goodwill recorded from First Mariner Acquisition		$ 65,346	$ 70,100

Business Combinations - Pro For

Business Combinations - Pro Forma (Details) - First Mariner [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2018
Business Acquisition [Line Items]
Net interest income after provision	$ 17,951	$ 51,442
Noninterest income	3,856	16,207
Noninterest expense	16,608	58,647
Net income	$ 3,768	$ 6,525
Net income per share	$ 0.20	$ 0.34

Business Combinations - Additio

Business Combinations - Additional information (Details) - USD ($) $ / shares in Units, $ in Thousands	Feb. 28, 2018	Sep. 30, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Amount of goodwill recorded from First Mariner Acquisition		$ 65,949	$ 70,697
First Mariner Bank [Member]
Business Acquisition [Line Items]
Number of shares to receive per share held	1.6624
Business Combination, Consideration Transferred	$ 173,800	173,823
Payments to Acquire Businesses, Gross	$ 9,200	9,245
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares	9,143,222
Amount of goodwill recorded from First Mariner Acquisition		65,346	$ 70,100
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable	$ 164,600	$ 164,578
Business Acquisition, Share Price	$ 18

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Schedule of Investments [Line Items]
Amortized Cost	$ 160,062	$ 223,341
Gross Unrealized Gains	4,025	792
Gross Unrealized Losses	61	275
Estimated Fair Value	164,026	223,858
Other Investments [Member]
Schedule of Investments [Line Items]
Amortized Cost	3,010	3,011
Gross Unrealized Gains	0	0
Gross Unrealized Losses	21	10
Estimated Fair Value	2,989	3,001
US Government Agencies [Member]
Schedule of Investments [Line Items]
Amortized Cost	65,698	130,088
Gross Unrealized Gains	1,165	428
Gross Unrealized Losses	1	119
Estimated Fair Value	66,862	130,397
Collateralized Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Amortized Cost	91,354	90,242
Gross Unrealized Gains	2,860	364
Gross Unrealized Losses	39	146
Estimated Fair Value	94,175	90,460
Corporate Debt Securities [Member]
Schedule of Investments [Line Items]
Amortized Cost	9,750	9,250
Gross Unrealized Gains	174	45
Gross Unrealized Losses	0	42
Estimated Fair Value	$ 9,924	$ 9,253

Investment Securities - Unreali

Investment Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]
Individual securities, Less than 12 months, Fair Value	$ 15,519	$ 32,247
Individual securities, Less than 12 months, Gross Unrealized Losses	52	67
Individual securities, 12 months or more, Fair Value	1,980	15,994
Individual securities, 12 months or more, Gross Unrealized Losses	9	208
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	17,499	48,241
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	61	275
US Government Agencies [Member]
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]
Individual securities, Less than 12 months, Fair Value	4,527	3,049
Individual securities, Less than 12 months, Gross Unrealized Losses	1	3
Individual securities, 12 months or more, Fair Value	999	13,887
Individual securities, 12 months or more, Gross Unrealized Losses	0	116
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	5,526	16,936
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	1	119
Collateralized Mortgage Backed Securities [Member]
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]
Individual securities, Less than 12 months, Fair Value	8,003	26,197
Individual securities, Less than 12 months, Gross Unrealized Losses	30	54
Individual securities, 12 months or more, Fair Value	981	2,107
Individual securities, 12 months or more, Gross Unrealized Losses	9	92
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	8,984	28,304
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	39	146
Corporate Debt Securities [Member]
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]
Individual securities, Less than 12 months, Fair Value	0	2,458
Individual securities, Less than 12 months, Gross Unrealized Losses	0	42
Individual securities, 12 months or more, Fair Value	0	0
Individual securities, 12 months or more, Gross Unrealized Losses	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	0	2,458
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	0	42
Other Investments [Member]
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]
Individual securities, Less than 12 months, Fair Value	2,989	3,001
Individual securities, Less than 12 months, Gross Unrealized Losses	21	10
Individual securities, 12 months or more, Fair Value	0	0
Individual securities, 12 months or more, Gross Unrealized Losses	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	2,989	3,001
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	$ 21	$ 10

Investment Securities - Contrac

Investment Securities - Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Amounts maturing:
One year or less, Amortized Cost	$ 2,496	$ 38,936
After one through five years, Amortized Cost	60,206	88,175
After five through ten years, Amortized Cost	20,329	19,873
After ten years, Amortized Cost	86,781	85,607
Amortized Cost	169,812	232,591
One year or less, Estimated Fair value	2,494	38,892
After one through five years, Estimated Fair value	61,263	88,513
After five through ten years, Estimated Fair value	20,845	19,921
After ten years, Estimated Fair value	89,348	85,785
Estimated Fair Value	$ 173,950	$ 233,111

Investment Securities - Additio

Investment Securities - Additional information (Details) $ in Millions	Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Investment Securities
Number of securities with unrealized losses | security	8	31
Pledged Assets Separately Reported, Securities Pledged as Collateral, at Fair Value | $	$ 12.7	$ 42.3

Loans and Leases - Loan Portfol

Loans and Leases - Loan Portfolio Segment (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 1,729,880	$ 1,649,751
Loans and Leases, Net Percent	100.00%	100.00%
Construction and Land [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 124,326	$ 123,671
Loans and Leases, Net Percent	7.20%	7.50%
Residentials First Lien [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 415,688	$ 383,044
Loans and Leases, Net Percent	24.00%	23.20%
Residential Junior Lien [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 76,272	$ 89,645
Loans and Leases, Net Percent	4.40%	5.40%
Residential Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 491,960	$ 472,689
Loans and Leases, Net Percent	28.40%	28.60%
Commercial - Owner Occupied [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 239,464	$ 234,102
Loans and Leases, Net Percent	13.80%	14.20%
Commercial-Non-Owner Occupied [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 442,813	$ 427,747
Loans and Leases, Net Percent	25.60%	25.90%
Commercial Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 682,277	$ 661,849
Loans and Leases, Net Percent	39.40%	40.10%
Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 1,298,563	$ 1,258,209
Loans and Leases, Net Percent	75.00%	76.20%
Commercial Loan [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 383,557	$ 336,876
Loans and Leases, Net Percent	22.20%	20.50%
Consumer [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 47,760	$ 54,666
Loans and Leases, Net Percent	2.80%	3.30%

Loans and Leases - Accretable D

Loans and Leases - Accretable Discount (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Balance at beginning of period			$ 1,649,751
Balance at end of period	$ 1,729,880		1,729,880
Impaired Financing Receivable [Member]
Balance at beginning of period	767	$ 1,021	877	$ 0
Impaired loans acquired	0	0	0	1,055
Accretion of fair value discounts	(46)	(58)	(156)	(92)
Balance at end of period	$ 721	$ 963	$ 721	$ 963

Loans and Leases - Impaired (De

Loans and Leases - Impaired (Details) - Impaired Loans Acquired [Member] - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Contractually Required Payments Receivable	$ 11,409	$ 15,463	$ 16,479
Carrying Amount	$ 9,147	$ 11,446	$ 12,503

Loans and Leases (Details)

Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans and Leases
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 1,200	$ 307

Credit Quality Assessment - All

Credit Quality Assessment - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	$ 9,120	$ 6,619	$ 9,873	$ 6,159
Allowance for credit losses, Charge-offs	(232)	(143)	(3,960)	(2,304)
Allowance for credit losses, Recoveries	102	52	242	128
Allowance for credit losses, Provision for credit losses	608	696	3,443	3,241
Allowance for credit losses, Ending balance	9,598	7,224	9,598	7,224
Allowance allocated to Individually Evaluated for Impairment	0		0		$ 2,395
Allowance allocated to Collectively Evaluated for Impairment	9,598		9,598		7,478
Loans, Ending balance	1,729,880		1,729,880		1,649,751
Loans individually evaluated for impairment	20,003		20,003		24,760
Loans collectively evaluated for impairment	1,709,877		1,709,877		1,624,991
Construction and Land [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	1,128	661	741	735
Allowance for credit losses, Charge-offs	0	0	(282)	(202)
Allowance for credit losses, Recoveries	79	0	79	0
Allowance for credit losses, Provision for credit losses	141	(3)	810	125
Allowance for credit losses, Ending balance	1,348	658	1,348	658
Allowance allocated to Individually Evaluated for Impairment	0		0		0
Allowance allocated to Collectively Evaluated for Impairment	1,348		1,348		741
Loans, Ending balance	124,326		124,326		123,671
Loans individually evaluated for impairment	493		493		1,449
Loans collectively evaluated for impairment	123,833		123,833		122,222
Residentials First Lien [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	1,790	680	1,170	668
Allowance for credit losses, Charge-offs	(91)	(19)	(453)	(121)
Allowance for credit losses, Recoveries	0	7	0	8
Allowance for credit losses, Provision for credit losses	264	341	1,246	454
Allowance for credit losses, Ending balance	1,963	1,009	1,963	1,009
Allowance allocated to Individually Evaluated for Impairment	0		0		0
Allowance allocated to Collectively Evaluated for Impairment	1,963		1,963		1,170
Loans, Ending balance	415,688		415,688		383,044
Loans individually evaluated for impairment	13,773		13,773		13,259
Loans collectively evaluated for impairment	401,915		401,915		369,785
Residential Junior Lien [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	437	213	292	177
Allowance for credit losses, Charge-offs	(37)	(46)	(508)	(195)
Allowance for credit losses, Recoveries	10	7	114	7
Allowance for credit losses, Provision for credit losses	23	119	535	304
Allowance for credit losses, Ending balance	433	293	433	293
Allowance allocated to Individually Evaluated for Impairment	0		0		0
Allowance allocated to Collectively Evaluated for Impairment	433		433		292
Loans, Ending balance	76,272		76,272		89,645
Loans individually evaluated for impairment	1,012		1,012		1,137
Loans collectively evaluated for impairment	75,260		75,260		88,508
Commercial - Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	893	726	735	617
Allowance for credit losses, Charge-offs	(2)	0	(46)	(1)
Allowance for credit losses, Recoveries	0	0	0	0
Allowance for credit losses, Provision for credit losses	43	(28)	245	82
Allowance for credit losses, Ending balance	934	698	934	698
Allowance allocated to Individually Evaluated for Impairment	0		0		0
Allowance allocated to Collectively Evaluated for Impairment	934		934		735
Loans, Ending balance	239,464		239,464		234,102
Loans individually evaluated for impairment	569		569		1,268
Loans collectively evaluated for impairment	238,895		238,895		232,834
Commercial-Non-Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	2,799	1,623	4,057	1,410
Allowance for credit losses, Charge-offs	0	(3)	(2,026)	(749)
Allowance for credit losses, Recoveries	9	29	12	31
Allowance for credit losses, Provision for credit losses	22	304	787	1,261
Allowance for credit losses, Ending balance	2,830	1,953	2,830	1,953
Allowance allocated to Individually Evaluated for Impairment	0		0		2,195
Allowance allocated to Collectively Evaluated for Impairment	2,830		2,830		1,862
Loans, Ending balance	442,813		442,813		427,747
Loans individually evaluated for impairment	1,782		1,782		5,018
Loans collectively evaluated for impairment	441,031		441,031		422,729
Commercial Loan and Leases [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	1,695	2,667	2,644	2,529
Allowance for credit losses, Charge-offs	(97)	(65)	(622)	(977)
Allowance for credit losses, Recoveries	3	9	35	77
Allowance for credit losses, Provision for credit losses	136	(239)	(320)	743
Allowance for credit losses, Ending balance	1,737	2,372	1,737	2,372
Allowance allocated to Individually Evaluated for Impairment	0		0		200
Allowance allocated to Collectively Evaluated for Impairment	1,737		1,737		2,444
Loans, Ending balance	383,557		383,557		336,876
Loans individually evaluated for impairment	2,086		2,086		2,455
Loans collectively evaluated for impairment	381,471		381,471		334,421
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance	378	49	234	23
Allowance for credit losses, Charge-offs	(5)	(10)	(23)	(59)
Allowance for credit losses, Recoveries	1		2	5
Allowance for credit losses, Provision for credit losses	(21)	202	140	272
Allowance for credit losses, Ending balance	353	$ 241	353	$ 241
Allowance allocated to Individually Evaluated for Impairment	0		0		0
Allowance allocated to Collectively Evaluated for Impairment	353		353		234
Loans, Ending balance	47,760		47,760		54,666
Loans individually evaluated for impairment	288		288		174
Loans collectively evaluated for impairment	$ 47,472		$ 47,472		$ 54,492

Credit Quality Assessment - Int

Credit Quality Assessment - Internally Assigned Risk Assignments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Credit Quality Indicator [Line Items]
Credit quality indicators	$ 1,729,880	$ 1,649,751
Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,729,880	1,649,751
Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,711,290	1,621,186
Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	3,955
Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	18,590	24,610
Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Construction and Land [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	124,326	123,671
Construction and Land [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	124,326	123,671
Construction and Land [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	123,958	122,270
Construction and Land [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	78
Construction and Land [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	368	1,323
Construction and Land [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Residentials First Lien [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	415,688	383,044
Residentials First Lien [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	415,688	383,044
Residentials First Lien [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	402,887	370,766
Residentials First Lien [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Residentials First Lien [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	12,801	12,278
Residentials First Lien [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Residential Junior Lien [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	76,272	89,645
Residential Junior Lien [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	76,272	89,645
Residential Junior Lien [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	75,260	88,507
Residential Junior Lien [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Residential Junior Lien [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,012	1,138
Residential Junior Lien [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Commercial - Owner Occupied [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	239,464	234,102
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	239,464	234,102
Commercial - Owner Occupied [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	238,895	228,408
Commercial - Owner Occupied [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	3,877
Commercial - Owner Occupied [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	569	1,817
Commercial - Owner Occupied [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Commercial-Non-Owner Occupied [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	442,813	427,747
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	442,813	427,747
Commercial-Non-Owner Occupied [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	440,954	422,591
Commercial-Non-Owner Occupied [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Commercial-Non-Owner Occupied [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,859	5,156
Commercial-Non-Owner Occupied [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Commercial Loan and Leases [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	383,557	336,876
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	383,557	336,876
Commercial Loan and Leases [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	381,864	334,152
Commercial Loan and Leases [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Commercial Loan and Leases [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,693	2,724
Commercial Loan and Leases [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Consumer [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	47,760	54,666
Consumer [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	47,760	54,666
Consumer [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	47,472	54,492
Consumer [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	0	0
Consumer [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	288	174
Consumer [Member] | Doubtful [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	$ 0	$ 0

Credit Quality Assessment - Age

Credit Quality Assessment - Aged Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	$ 1,729,880	$ 1,649,751
Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	1,706,565	1,613,909
Total past due	4,802	12,227
Non-accrual loans	18,513	23,615
Loans and Leases Receivable, Net of Deferred Income, Total	1,729,880	1,649,751
Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	1,646	7,905
Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	2,631	3,401
Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	525	921
Construction and Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	124,326	123,671
Construction and Land [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	123,958	121,831
Total past due	0	517
Non-accrual loans	368	1,323
Loans and Leases Receivable, Net of Deferred Income, Total	124,326	123,671
Construction and Land [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Construction and Land [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	166
Construction and Land [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	351
Residentials First Lien [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	415,688	383,044
Residentials First Lien [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	400,454	361,522
Total past due	2,433	9,244
Non-accrual loans	12,801	12,278
Loans and Leases Receivable, Net of Deferred Income, Total	415,688	383,044
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	6,433
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	2,311	2,241
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	122	570
Residential Junior Lien [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	76,272	89,645
Residential Junior Lien [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	73,993	86,884
Total past due	1,267	1,624
Non-accrual loans	1,012	1,137
Loans and Leases Receivable, Net of Deferred Income, Total	76,272	89,645
Residential Junior Lien [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	1,157	937
Residential Junior Lien [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	110	687
Residential Junior Lien [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due		0
Commercial - Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	239,464	234,102
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	238,376	232,834
Total past due	519	0
Non-accrual loans	569	1,268
Loans and Leases Receivable, Net of Deferred Income, Total	239,464	234,102
Commercial - Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	168	0
Commercial - Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Commercial - Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	351	0
Commercial-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	442,813	427,747
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	440,775	422,297
Total past due	256	432
Non-accrual loans	1,782	5,018
Loans and Leases Receivable, Net of Deferred Income, Total	442,813	427,747
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	204	432
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	52	0
Commercial Loan and Leases [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	383,557	336,876
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	381,717	334,058
Total past due	147	401
Non-accrual loans	1,693	2,417
Loans and Leases Receivable, Net of Deferred Income, Total	383,557	336,876
Commercial Loan and Leases [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	48	94
Commercial Loan and Leases [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	99	307
Commercial Loan and Leases [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income, Total	47,760	54,666
Consumer [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans current	47,292	54,483
Total past due	180	9
Non-accrual loans	288	174
Loans and Leases Receivable, Net of Deferred Income, Total	47,760	54,666
Consumer [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	69	9
Consumer [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	111	0
Consumer [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	$ 0	$ 0

Credit Quality Assessment - Imp

Credit Quality Assessment - Impaired Loans (Details) - USD ($)	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Related allowance	$ 0	$ 0	$ 2,400,000
Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	20,003,000	20,003,000	24,760,000
With an allowance recorded	0	0	3,016,000
With no related allowance recorded	20,003,000	20,003,000	21,744,000
Related allowance	0	0	2,395,000
Unpaid principal	23,228,000	23,228,000	29,671,000
Average balance of impaired loans	25,039,000	25,131,000	31,417,000
Interest income recognized	226,000	442,000	676,000
Construction and Land [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	493,000	493,000	1,449,000
With an allowance recorded	0	0	0
With no related allowance recorded	493,000	493,000	1,449,000
Related allowance	0	0	0
Unpaid principal	679,000	679,000	1,873,000
Average balance of impaired loans	810,000	818,000	1,873,000
Interest income recognized	2,000	4,000	0
Residentials First Lien [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	13,773,000	13,773,000	13,259,000
With an allowance recorded	0	0	0
With no related allowance recorded	13,773,000	13,773,000	13,259,000
Related allowance	0	0	0
Unpaid principal	15,028,000	15,028,000	14,425,000
Average balance of impaired loans	16,036,000	16,107,000	15,446,000
Interest income recognized	144,000	287,000	474,000
Residential Junior Lien [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	1,012,000	1,012,000	1,137,000
With an allowance recorded	0	0	0
With no related allowance recorded	1,012,000	1,012,000	1,137,000
Related allowance	0	0	0
Unpaid principal	1,229,000	1,229,000	1,456,000
Average balance of impaired loans	1,508,000	1,532,000	1,448,000
Interest income recognized	37,000	69,000	51,000
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	569,000	569,000	1,268,000
With an allowance recorded	0	0	0
With no related allowance recorded	569,000	569,000	1,268,000
Related allowance	0	0	0
Unpaid principal	586,000	586,000	1,569,000
Average balance of impaired loans	590,000	596,000	1,569,000
Interest income recognized	20,000	28,000	16,000
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	1,782,000	1,782,000	5,018,000
With an allowance recorded	0	0	2,816,000
With no related allowance recorded	1,782,000	1,782,000	2,202,000
Related allowance	0	0	2,195,000
Unpaid principal	2,083,000	2,083,000	5,295,000
Average balance of impaired loans	2,102,000	2,115,000	5,340,000
Interest income recognized	2,000	11,000	5,000
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	2,086,000	2,086,000	2,455,000
With an allowance recorded	0	0	200,000
With no related allowance recorded	2,086,000	2,086,000	2,255,000
Related allowance	0	0	200,000
Unpaid principal	3,321,000	3,321,000	4,868,000
Average balance of impaired loans	3,680,000	3,650,000	5,556,000
Interest income recognized	21,000	38,000	125,000
Consumer [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	288,000	288,000	174,000
With an allowance recorded	0	0	0
With no related allowance recorded	288,000	288,000	174,000
Related allowance	0	0	0
Unpaid principal	302,000	302,000	185,000
Average balance of impaired loans	313,000	313,000	185,000
Interest income recognized	$ 0	$ 5,000	$ 5,000

Credit Quality Assessment - TDR

Credit Quality Assessment - TDR Loans (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019USD ($)loan	Dec. 31, 2018USD ($)loan
Trouble Debt Restructured Loans [Line Items]
Number of Loans | loan	3	5
Non-Accrual Status	$ 793	$ 3,620
Number of Loans | loan	4	3
Accrual Status	$ 1,447	$ 1,107
Total TDRs	$ 2,240	$ 4,727
Construction and Land [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | loan	0	0
Non-Accrual Status	$ 0	$ 0
Number of Loans | loan	1	1
Accrual Status	$ 125	$ 125
Total TDRs	$ 125	$ 125
Residential Real Estate First Lien [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | loan	2	2
Non-Accrual Status	$ 279	$ 291
Number of Loans | loan	2	2
Accrual Status	$ 972	$ 982
Total TDRs	$ 1,251	$ 1,273
Commercial Real Estate Non Owner Occupied [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | loan		2
Non-Accrual Status		$ 2,815
Number of Loans | loan		0
Accrual Status		$ 0
Total TDRs		$ 2,815
Commercial Loan and Leases [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | loan	1	1
Non-Accrual Status	$ 514	$ 514
Number of Loans | loan	1	0
Accrual Status	$ 350	$ 0
Total TDRs	$ 864	$ 514

Credit Quality Assessment - T_2

Credit Quality Assessment - TDR Modifications (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	$ 2,240	$ 4,727
Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	2,195
Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	125	125
Construction and land And Extension Or Other modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Commercial Loans And Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	350
Commercial Loans And Extension Or Other Modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0
Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,815
Commercial - non-owner occupied Rate modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,195
Commercial Loans And Forbearances Member
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	514	514
Commercial Loans And Forbearances Member | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	1,251	1,273
Residential Real Estate First Lien and Extension Or Other Modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	793	3,620
Nonperforming Financial Instruments [Member] | Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Nonperforming Financial Instruments [Member] | Commercial Loans And Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0
Nonperforming Financial Instruments [Member] | Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,815
Nonperforming Financial Instruments [Member] | Commercial Loans And Forbearances Member
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	514	514
Nonperforming Financial Instruments [Member] | Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	279	291
Performing Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	1,447	1,107
Performing Financial Instruments [Member] | Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	125	125
Performing Financial Instruments [Member] | Commercial Loans And Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	350
Performing Financial Instruments [Member] | Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		0
Performing Financial Instruments [Member] | Commercial Loans And Forbearances Member
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Performing Financial Instruments [Member] | Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	$ 972	$ 982

Credit Quality Assessment (Deta

Credit Quality Assessment (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Credit Quality Indicator [Line Items]
Delinquent Loans, Outstanding Nonaccrual Status	$ 19,000	$ 19,000		$ 24,500
Non-Accrual Delinquent Loans Outstanding, Percentage	1.10%	1.10%		1.50%
Financing Receivable, Recorded Investment, Nonaccrual Loans	$ 18,500	$ 18,500		$ 23,600
Impaired Financing Receivable Interest Income Non Accrual Method		657	$ 1,100
Additional allowance		375
Real Estate Owned, Transfer to Real Estate Owned		375	174
Gains (Losses) on Sales of Other Real Estate	49	(1)	$ 50
Losses On Sales Of Other Real Estate Held	(1)
Impaired Assets to be Disposed of by Sale Carrying Value of Asset	367	367
Residentials First Lien [Member]
Credit Quality Indicator [Line Items]
Mortgage Loans in Process of Foreclosure, Amount	4,300	$ 4,300
Commercial real Estate Loan [Member]
Credit Quality Indicator [Line Items]
Gains (Losses) on Sales of Other Real Estate	$ 589

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Interest Rate Swap with Borrowers [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	$ 2,905	$ 3,061
Estimated Fair Value Gain	270	100
Estimated Fair Value Loss	0	0
Interest Rate Swap with Counterparty [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	2,905	3,061
Estimated Fair Value Gain	0	0
Estimated Fair Value Loss	$ 285	$ 106

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Aggregate Value (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments	$ 9
Interest Rate Swap [Member]
Interest Rate Derivatives, at Fair Value, Net	$ 5,800	$ 6,200

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Goodwill (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Goodwill and Other Intangible Assets
Goodwill	$ 65,949	$ 70,697

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Intangible Assets (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	$ 9,186	$ 11,482
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	16,135	16,135
Accumulated Amortization	6,949	4,653
Net Carrying Amount	$ 9,186	$ 11,482
Weighted Average Remaining Life (in Years)	4 years	4 years 8 months 12 days

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Future Amortization (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Goodwill and Other Intangible Assets
2019	$ 717
2020	2,674
2021	2,326
2022	1,915
2023	1,298
Thereafter	256
Total amortizing intangible assets	$ 9,186	$ 11,482

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets (Details) $ in Millions	3 Months Ended	9 Months Ended
	Mar. 31, 2019USD ($)	Sep. 30, 2019item
Goodwill and Other Intangible Assets
Number of reporting units | item		1
Goodwill, Purchase Accounting Adjustments | $	$ 4.7

Leases - Operating leases (Deta

Leases - Operating leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jan. 01, 2019
Leases
Operating leases ROU	$ 14,463	$ 18,000
Total operating lease liabilities	$ 14,845	$ 18,000

Leases - Lease expenses (Detail

Leases - Lease expenses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Leases
Operating lease cost	$ 428	$ 897	$ 1,508	$ 2,857
Sublease income	(144)	(142)	(437)	(393)
Amortization of ROU assets	34		116
Total	$ 318	$ 755	$ 1,187	$ 2,464

Leases - Lease liability maturi

Leases - Lease liability maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jan. 01, 2019
Leases
2019	$ 437
2020	1,636
2021	1,546
2022	1,404
2023	1,257
Thereafter	12,396
Total future lease payments	18,676
Discount of cash flows	(3,831)
Present value on net future lease payments	$ 14,845	$ 18,000
Weighted average remaining term (in years)	7 years 4 days
Weighted average discount rate (in percentage)	3.02%

Leases - Additional information

Leases - Additional information (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Jan. 01, 2019
Leases
Lease, Practical Expedients, Package [true false]	true
Operating Lease, Right-of-Use Asset	$ 14,463	$ 18,000
Operating Lease, Expense	3,600
Operating Lease, Liability	$ 14,845	$ 18,000
Lessee, Operating Lease, Renewal Term	10 years

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Deposits
Noninterest-bearing demand	$ 442,549	$ 429,200
Interest-bearing checking	174,645	227,322
Money market accounts	360,218	356,130
Savings	131,064	134,893
Certificates of deposit $250 and over	81,639	82,511
Certificates of deposit under $250	465,508	455,750
Total deposits	$ 1,655,623	$ 1,685,806
Percentage of Noninterest-bearing demand	27.00%	26.00%
Percentage of Interest-bearing checking	10.00%	13.00%
Percentage of Money market accounts	22.00%	21.00%
Percentage of Savings	8.00%	8.00%
Percentage of Certificates of deposit $250 and over	5.00%	5.00%
Percentage of Certificates of deposit under $250	28.00%	27.00%
Percentage of Total deposits	100.00%	100.00%

Stock Options and Stock Award_2

Stock Options and Stock Awards - Stock Options (Details) - Employee Stock Option [Member] - $ / shares	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Shares, Beginning Balance	15,268	30,991
Shares, Granted	25,000	0
Shares, Exercised	(13,418)	(9,123)
Shares, Forfeited	(1,850)	(6,600)
Shares, Ending Balance	25,000	15,268
Shares, Exercisable at period end		15,268
Weighted Average Exercise Price, Beginning Balance	$ 8.76	$ 9.69
Weighted Average Exercise Price, Granted	14.54
Weighted Average Exercise Price, Exercised	8.58	10.63
Weighted Average Exercise Price, Forfeited	10.10	10.52
Weighted Average Exercise Price, Ending Balance	14.54	8.76
Weighted Average Exercise Price, Exercisable at period end		$ 8.76
Weighted average fair value of options granted during the year	$ 5.83

Stock Options and Stock Award_3

Stock Options and Stock Awards - RSUs (Details) - Restricted Stock [Member] - $ / shares	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Shares, Beginning Balance	9,731	52,155
Shares, Granted	18,500	20,732
Shares, Vested	(6,699)	(54,542)
Shares, Forfeited	(1,500)	(8,614)
Shares, Ending Balance	20,032	9,731
Weighted Average Grant Date Fair Value, Beginning Balance	$ 17.29	$ 15.09
Weighted Average Grant Date Fair Value, Granted	14.54	19.90
Weighted Average Grant Date Fair Value, Vested	16.38	16.63
Weighted Average Grant Date Fair Value, Forfeited	14.54	14.41
Weighted Average Grant Date Fair Value, Ending Balance	$ 15.34	$ 17.29

Stock Options and Stock Award_4

Stock Options and Stock Awards - RSU Compensation Expense (Details) - Restricted Stock Units (RSUs) [Member] $ in Thousands	Sep. 30, 2019USD ($)
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	$ 237
2019 [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	36
2020 [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	112
2021 [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	82
2022 [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	$ 7

Stock Options and Stock Award_5

Stock Options and Stock Awards - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Director [Member]
Allocated Share-based Compensation Expense	$ 65	$ 116	$ 127	$ 217
Restricted Stock Units (RSUs) [Member]
Allocated Share-based Compensation Expense	$ 22	$ 37	$ 134	$ 609

Stock Options and Stock Award_6

Stock Options and Stock Awards - Additional information (Details) - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Proceeds from Stock Options Exercised	$ 116	$ 71
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable Fair Market Value	$ 16.69		$ 14.30
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Outstanding	$ 54		$ 85
Share-based Payment Arrangement, Nonemployee [Member]
Share-based Goods and Nonemployee Services Transaction, Shares Approved for Issuance	9,202	11,868
Employee Stock Option [Member]
Common Stock, Capital Shares Reserved for Future Issuance	572,414
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	25,000		0
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested, Number of Shares	18,500	20,732

Benefit Plans (Details)

Benefit Plans (Details) - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Maximum Annual Contribution Per Employee, Percent	15.00%		15.00%
Defined Contribution Plan, Maximum Annual Contribution Per Employee, Amount	$ 817,000	$ 871,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized			250,000
2017 Employee Stock Purchase Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Allocated Share-based Compensation Expense	$ 20,000		$ 11,000
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Number of years	15 years
Defined Benefit Plan Amount To Be Received Each Year	$ 150,000
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 158,000	$ 217,000
Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Employer Matching Contribution, Percent	4.00%

Income (Loss) per Common Shar_2

Income (Loss) per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Income (Loss) per Common Share
Net income (loss) available to common stockholders (numerator)	$ 4,637	$ 3,979	$ 10,981	$ (3,974)
BASIC
Basic average common shares outstanding (denominator)	19,078,561	19,025,855	19,064,235	17,058,217
Basic income (loss) per common share	$ 0.24	$ 0.21	$ 0.58	$ (0.23)
DILUTED
Average common shares outstanding	19,078,561	19,025,855	19,064,235	17,058,217
Dilutive effect of common stock equivalents	3,402	9,338	7,870
Diluted average common shares outstanding (denominator)	19,081,963	19,035,193	19,072,105	17,058,217
Diluted income (loss) per common share	$ 0.24	$ 0.21	$ 0.58	$ (0.23)
Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above	25,000		25,000	31,932

Risk-Based Capital - Bancorp's

Risk-Based Capital - Bancorp's and the Bank's capital (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Dec. 31, 2015	Jan. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio				5.00%
Tier 1 capital (to risk-weighted assets) Actual ratio			4.00%	6.00%
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio				4.50%
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio				6.50%
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio				8.00%
Howard Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) Actual amount	$ 228,742	$ 212,099
Total capital (to risk-weighted assets) Actual ratio	12.43%	11.80%
Total capital (to risk-weighted assets) For capital adequacy purposes amount	$ 147,276	$ 143,810
Total capital (to risk-weighted assets) For capital adequacy purposes ratio	8.00%	8.00%
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 184,096	$ 179,762
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	10.00%	10.00%
Common equity tier 1 capital (to risk-weighted assets) Actual amount	$ 219,144	$ 202,226
Common equity tier 1 capital (to risk-weighted assets) Actual ratio	11.90%	11.25%
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 82,843	$ 80,893
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	4.50%	4.50%
Common equity tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 119,662	$ 116,846
Common equity tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	6.50%	6.50%
Tier 1 capital (to risk-weighted assets) Actual amount	$ 219,144	$ 202,226
Tier 1 capital (to risk-weighted assets) Actual ratio	11.90%	11.25%
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 110,457	$ 107,857
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	6.00%	6.00%
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 147,276	$ 143,810
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	8.00%	8.00%
Tier 1 capital (to average assets) Actual amount	$ 219,144	$ 202,226
Tier 1 capital (to average assets) Actual ratio	10.26%	9.84%
Tier 1 capital (to average assets) For capital adequacy purposes amount	$ 85,414	$ 82,212
Tier 1 capital (to average assets) For capital adequacy purposes ratio	4.00%	4.00%
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 106,768	$ 102,765
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	5.00%	5.00%
Howard Bancorp [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) Actual amount	$ 238,757	$ 218,425
Total capital (to risk-weighted assets) Actual ratio	12.87%	12.14%
Total capital (to risk-weighted assets) For capital adequacy purposes amount	$ 148,460	$ 143,889
Total capital (to risk-weighted assets) For capital adequacy purposes ratio	8.00%	8.00%
Common equity tier 1 capital (to risk-weighted assets) Actual amount	$ 200,967	$ 179,935
Common equity tier 1 capital (to risk-weighted assets) Actual ratio	10.83%	10.00%
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 83,509	$ 80,938
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	4.50%	4.50%
Tier 1 capital (to risk-weighted assets) Actual amount	$ 200,967	$ 179,935
Tier 1 capital (to risk-weighted assets) Actual ratio	10.83%	10.00%
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 111,345	$ 107,917
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	6.00%	6.00%
Tier 1 capital (to average assets) Actual amount	$ 200,967	$ 179,935
Tier 1 capital (to average assets) Actual ratio	9.39%	8.77%
Tier 1 capital (to average assets) For capital adequacy purposes amount	$ 85,574	$ 82,046
Tier 1 capital (to average assets) For capital adequacy purposes ratio	4.00%	4.00%

Risk-Based Capital - Additional

Risk-Based Capital - Additional information (Details) - USD ($) $ in Billions	Dec. 31, 2015	Jan. 31, 2015
Minimum asset requirement		$ 1
Tier One Risk Based Capital to Risk Weighted Assets	4.00%	6.00%
Risk weight percentage		150.00%
Credit conversion factor		20.00%
Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets		2.50%
Well Capitalized Cet 1 Ratio		10.00%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets		4.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets		8.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets		6.50%
Capital Required to be Well Capitalized to Risk Weighted Assets		5.00%
Minimum [Member]
Bank leverage ratio		4.00%
Conversion One [Member]
Derivative Conversion Factors		0.00%
Conversion Two [Member]
Derivative Conversion Factors		20.00%
Conversion Three [Member]
Derivative Conversion Factors		50.00%
Conversion Four [Member]
Derivative Conversion Factors		100.00%

Fair Value - Fair Value Financi

Fair Value - Fair Value Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	$ 164,026	$ 223,858
Loans held for sale	46,713	21,261
Loans held for investment	1,336	1,303
Interest rate swap assets	270	100
Liabilities
Interest rate swap liabilities	285	106
US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	66,862	130,397
Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	94,175	90,460
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	46,713	21,261
Loans held for investment	1,336	1,303
Rate lock commitments	97	126
Interest rate swap assets	270	100
Liabilities
Interest rate swap liabilities	285	106
Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	66,862	130,397
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	94,175	90,460
Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	2,989	3,001
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	1,336	1,303
Interest rate swap assets	270	100
Liabilities
Interest rate swap liabilities	285	106
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	46,713	21,261
Loans held for investment	1,336	1,303
Interest rate swap assets	270	100
Liabilities
Interest rate swap liabilities	285	106
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	66,862	130,397
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	94,175	90,460
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	2,989	3,001
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Rate lock commitments	97	126	$ 530
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Rate lock commitments	$ 97	$ 126

Fair Value - Level 3 (Details)

Fair Value - Level 3 (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Balance, beginning of period	$ 126	$ 530
Privately held equity investment		(72)
Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income	(29)	(332)
Balance, end of period	$ 97	$ 126

Fair Value - Assets Under Fair

Fair Value - Assets Under Fair Value Option (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Loans held for investment Fair value	$ 1,336	$ 1,303
Loans Held For Sale [Member]
Carrying Fair Value Amount, Loans held for sale	46,713	21,261
Aggregate Unpaid Principal, Loans held for sale	45,592	20,785
Difference, Loans held for sale	1,121	476
Loans Held For Investment [Member]
Loans held for investment Fair value	1,336	1,303
Aggregate Unpaid Principal Loans held for Investment	1,299	1,342
Difference, Loans held for investment	$ 37	$ (39)

Fair Value - Financial Assets a

Fair Value - Financial Assets and Liabilities on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	$ 3,926	$ 4,392
Impaired loans	1,716,819	1,613,506
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	5,800	6,600
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	3,926	4,392
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Construction and Land [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	493	1,449
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residentials First Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	13,773	13,259
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Junior Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,012	1,137
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial - Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	569	1,268
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial-Non-Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,782	2,823
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Loan and Leases [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	2,086	2,255
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	288	174
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,716,819	1,613,506
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	3,926	4,392
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Construction and Land [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	493	1,449
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residentials First Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	13,773	13,259
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Junior Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,012	1,137
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial - Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	569	1,268
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial-Non-Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,782	2,823
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Loan and Leases [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	2,086	2,255
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 288	$ 174

Fair Value - Financial Instrume

Fair Value - Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financial Assets
Available for sale securities, Carrying Value	$ 164,026	$ 223,858
Held to maturity securities, Carrying Value	9,750	9,250
Nonmarketable equity securities, Carrying Value	13,642	11,786
Loans held for sale, Carrying Value	46,713	21,261
Loans held for investment, Carrying Value	1,336	1,303
Rate lock commitments, Carrying Value	97	126
Loans and leases, Carrying Value	1,718,946	1,638,575
Interest rate swap, Carrying Value	270	100
Available for sale securities	164,026	223,858
Held to maturity securities	9,924	9,253
Nonmarketable equity securities	13,642	11,786
Loans held for sale	46,713	21,261
Loans held for investment	1,336	1,303
Rate lock commitments	97	126
Loans and leases, Fair value	1,716,819	1,613,506
Interest rate swap	270	100
Financial Liabilities
Deposits, Carrying Value	1,655,623	1,685,806
Short-term borrowings, Carrying Value	274,161	134,576
Long-term borrowings, Carrying Value	28,191	142,077
Interest rate swap, Carrying Value	285	106
Deposits, Fair value	1,654,373	1,681,295
Short-term borrowings, Fair value	274,161	134,576
Long-term borrowings, Fair value	28,191	142,296
Interest rate swap, Fair Value	285	106
Fair Value, Inputs, Level 2 [Member]
Financial Assets
Available for sale securities	164,026	223,858
Nonmarketable equity securities	13,642	11,786
Loans held for sale	46,713	21,261
Loans held for investment	1,336	1,303
Interest rate swap	270	100
Financial Liabilities
Deposits, Fair value	1,654,373	1,681,295
Short-term borrowings, Fair value	274,161	134,576
Long-term borrowings, Fair value	28,191	142,296
Interest rate swap, Fair Value	285	106
Fair Value, Inputs, Level 3 [Member]
Financial Assets
Held to maturity securities	9,924	9,253
Rate lock commitments	97	126
Loans and leases, Fair value	$ 1,716,819	$ 1,613,506

Fair Value - Additional Informa

Fair Value - Additional Information (Details)	9 Months Ended		12 Months Ended
	Sep. 30, 2019USD ($)	Sep. 30, 2018USD ($)	Dec. 31, 2018USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate	$ 3,926,000		$ 4,392,000
Impaired Financing Receivable, Related Allowance	0		2,400,000
Other Real Estate, Period Increase (Decrease)	367,000	$ 0
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate	5,800,000		6,600,000
Other Real Estate, Valuation Adjustments	$ 1,900,000		$ 2,200,000
Selling cost (as a percent)	9.5

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Revenue from Contract with Customer, Including Assessed Tax	$ 726	$ 651	$ 2,037	$ 1,567
Other	984	843	3,022	4,768
Noninterest Income	5,033	3,856	15,410	14,177
Accounting Standards Update 2014-09 [Member]
Other	8	13	46	52
Noninterest Income	5,033	3,856	15,410	14,177
Noninterest Income In Scope of Topic 606 Member | Accounting Standards Update 2014-09 [Member]
Noninterest Income	906	823	2,670	2,204
Noninterest Income out of Scope of Topic 606 Member | Accounting Standards Update 2014-09 [Member]
Noninterest Income	4,127	3,033	12,740	11,973
Service charges on deposit accounts [Member] | Accounting Standards Update 2014-09 [Member]
Revenue from Contract with Customer, Including Assessed Tax	269	193	681	441
Fees and other services charges [Member] | Accounting Standards Update 2014-09 [Member]
Revenue from Contract with Customer, Including Assessed Tax	$ 629	$ 617	$ 1,943	$ 1,711