Item 2.02. Results of Operations and Financial Condition.

On January 27, 2021, Howard Bancorp, Inc. (the "Registrant"), the parent company of Howard Bank, issued a press release relating to its financial condition and results of operations as of and for the three and twelve month periods ended December 31, 2020. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information in this Item 2.02 and Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section and shall not be incorporated by reference into any filing of the Registrant under the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act except as shall be expressly set forth by specific reference in any such filing.

Item 7.01. Regulation FD Disclosure.

On January 28, 2021, representatives of the Registrant will host a conference call and give a presentation that includes financial and other information about the Registrant's financial condition and results of operations as of and for the three and twelve month periods ended December 31, 2020. The slide presentation that the representatives of the Registrant will discuss on the conference call and make use of at meetings with investors and analysts in the future is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.

The instructions for obtaining access to the conference call are included in the press release that is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information in this Item 7.01 and Exhibit 99.2 shall not be deemed "filed" for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section and shall not be incorporated by reference into any filing of the Registrant under the Securities Act or the Exchange Act except as shall be expressly set forth by specific reference in any such filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

99.1 Press Release dated January 27, 2021

99.2 Slide presentation

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