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Steve Howard

Senior Vice President, Market President

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Steve Howard

Contact Info

704-677-7805 704-517-6994


Steve Howard joined First Reliance Bank in September 2023 as Senior Vice President, Market President of Lake Norman/Charlotte market. Steve will be responsible for the strategic market expansion of the bank's footbring. He will oversee all lines of business, including personal banking, business and commercial banking, investments, and treasury services.

A Charlotte native with over 35 years of banking experience, Howard resides in Charlotte and has two children.


Howard earned a B.S. in Business Administration from Western Carolina University. 

Memberships and Awards

He is actively involved in the community, with organizations such as American Heart Association, Humane Society, Feed NC, Claires Army, and YayDay Foundation, which spreads positivity within Mecklenburg and Iredell County.