Not all banks have been hit hard. The HarVest Bank of Maryland, a Rockville-based commercial bank with three branches in Montgomery and a new location in Frederick, grew its assets from $162 million at the start of the year to roughly $208 million at the end of 2008.

Jack Hollerbach, the bank’s president and chief executive said HarVest got there by emphasizing its community roots.

“When we go to customers who have been moved to an out of state acquirer we tell them our bank makes decisions here locally, we don’t have to charge large fees, deposits are kept here in the community, they’re not shipped out to rebuild some rundown rustbelt city somewhere else,” he said.

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