Our Focus

Real Estate Development & Preservation

We provide funding for meaningful real estate projects. Our focus is on impact, rather than size. Through our Emerging Developers Program, we support emerging developers with the capital and operational support to complete projects that otherwise might not be undertaken.

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Technology Driven Financial Literacy


Healthy relationships with money and finances positively impact communities. Financial Literacy helps families to keep more of what they earn. Through our partnerships with educational and financial technology firms, we are able to provide financial literacy outreach at scale.

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Capital Solutions



We help entrepreneurs and non-profit organizations by taking the time to fully understand them and their objectives. We work to meet their capital needs by providing loans and investments throughout the capital structure and also advising on alternative forms of capital and structures.

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Green Financial Solutions


We believe that a key aspect of community development is employing sustainable and renewable technology. Our financial solutions support efforts such as the development of urban greenspaces and the finance of environmentally friendly and sustainable residential renovations.

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About Us


The Habor Bank of Maryland Community Development Corporation is a 501(c)(3) non-profit and U.S. Treasury Certified Community Development Financial Institution (CDFI) focused on accelerating development in underinvested communities throughout Greater Baltimore. Our work strengthens communities by facilitating the creation of jobs and housing, improving financial literacy and retirement security, and supporting existing community organizations and small businesses.



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  • Mr. Joseph Haskins, Jr.

    Chairman & Chief Executive Officer

    Mr. Haskins serves as the Chairman, CEO, and President of Harbor Bank of Maryland Community Development Corporation and Chairman, President and CEO and co-founder of the Harbor Bank of Maryland. He currently serves as an independent director of Baltimore Gas & Electric and Harbor Bankshares Corporation. He formerly served as Chairman of East Baltimore Development, Inc. ("EBDI"). He had also chaired the commission for the Department of Business and Economic Development for the State of Maryland, Maryland CareFirst Blue Cross Blues Shield, and Associated Black Charities. In various capacities, he has advised four Maryland Governors and two Baltimore Mayors. Mr. Haskins holds a A.B. Degree in Economics from Morgan State University, a Master of Business Administration in finance from New York University, and a Master of Liberal Arts in Economics degree from The Johns Hopkins University. He also completed advanced banking studies at the Wharton School of the University of Pennsylvania.

  • John Lewis

    Executive Vice President

    Mr. Lewis serves as Executive Vice President of the Harbor Bank of Maryland Community Development Corporation. Mr. Lewis was formerly a consultant to community development corporations and technology entrepreneurs after founding and successfully exiting a financial technology start-up. He previously held various banking and managerial roles at Merrill Lynch & Co. Inc., Credit Suisse First Boston and predecessor institutions of the current J.P. Morgan Chase & Co. and Bank of America. He serves on the Small Business Advisory Committee to the Mayor of the City of Baltimore and as a Trustee of the Maryland Teachers and State Employees Supplemental Retirement Plans. Mr. Lewis holds a Bachelor of Science degree in Industrial and Labor Relations from Cornell University and a Master in Business Administration degree from the Harvard Graduate School of Business Administration, where he was a Robert Toigo Fellow.

  • Calvin Young

    Vice President

    Mr. Young serves as Vice President of The Harbor Bank of Maryland Community Development Corporation. Mr.Young formerly worked at the White House National Economic Council where he focused on small business economic policy. Mr. Young is the former Chairman and a National Board Member of the National Society of Black Engineers. He previously completed the Operations Leadership Program at the United Technologies Corporation, where he held strategy, management and engineering positions in their Sikorsky Aircraft and Pratt & Whitney divisions. Mr. Young holds a Bachelor of Science degree in Mechanical Engineering from New York University and also completed graduate study in manufacturing engineering. He also holds a Master in Business Administration degree from the Harvard Graduate School of Business Administration.

  • Tiffany Royster

    Vice President

    Ms. Royster serves as Vice President of The Harbor Bank of Maryland Community Development Corporation. Ms. Royster has over 15 years of direct experience in community development, real estate finance, and loan fund management. During her tenure with The Reinvestment Fund ("TRF"), Enterprise Community Partners and Marshall and Ilsley Bank Community Development Corporation, she managed multi-million dollar regional loan funds, including the post Hurricane Katrina Louisiana Loan Fund. Ms. Royster also worked for ICIC (the Initiative for a Competitive Inner City) where she provided research and advisory services focused on urban economic development. Ms. Roysters efforts have provided substantial capital to underserved communities throughout the United States. Ms. Royster holds a Bachelor of Arts from Beloit College.