

Nicole Howard
VP, Commercial Banking Officer
With more than a decade of experience in banking, Nicole brings deep expertise in commercial lending to her role at Machias Savings Bank. She partners with businesses across New Hampshire to deliver customized financial solutions that support long-term growth and operational success. Nicole’s approach is centered on building strong relationships and understanding the unique goals of each business she serves.
Nicole is passionate about supporting economic and community development in the Granite State. She currently serves as Board Treasurer for Media Power Youth and is a proud graduate of the Greater Manchester Chamber of Commerce’s Leadership Greater Manchester Class of 2024.
“I am thrilled to join the Machias Savings Bank commercial banking team in the New Hampshire market. Our focus on people-first banking and building authentic relationships truly sets us apart and I’m excited to work alongside a talented team dedicated to making a difference for New Hampshire businesses.”
Nicole holds a degree in Accounting from Purdue University Global and an MBA from Southern New Hampshire University.


Commercial Cards
Just starting out or growing your career, MSB could help you pursue your goals with a job you love and benefits you appreciate.

Commercial Checking & Savings
A business deposit account should cater to your specific business. Whether you need something simple or want to spend more time outside the office, we offer multiple deposit account options to fit your needs.

Business Loans
Our business loans can help turn passions into profits, and we tailor our loans to meet your business’s financial needs.