LENDERS

Meet Our Lending Team

Terrance R. Howard

SVP/Market Executive of Commercial Banking

Terrance leads the bank’s Central Jersey commercial lending team from First Bank’s headquarters in Hamilton, NJ. He brings 16 years of commercial lending experience to First Bank where he specializes in servicing commercial middle market banking clients while providing a range of banking solutions that include a full complement of commercial lending and deposit capabilities. Terrance’s banking philosophy involves a proactive, relationship building to partner with clients for all of their business lending needs. Efficiency, effectiveness and a proactive partnership is at the forefront of the business relationship. Terrance understands the importance and value of what a client seeks in a banking partner while bringing strategic solutions that help company’s gain access to capital to help their businesses grow.

Prior to joining First Bank, Terrance served as Relationship Manager and Vice President at Investors Bank, where he focused on building business Relationships via lending, cash management and other ancillary banking products. Terrance also spent 7 years as a Relationship Manager and Vice President at Santander Bank in the same role at Investors Bank. During Terrance’s time with Investors Bank he was recognized as one of the “Best of the Best” bankers by the bank in 2014, 2015, and 2016. He was also a part of Investors Bank “Circle of Excellence” for the one of the Bank’s top lending and deposit producers in 2014, 2015, and 2016.

Terrance has been in commercial banking for 16 years, during which he has established himself in many roles from business banker, business development and leadership. Terrance holds a Bachelor Degree in Economics from the University of Notre Dame and a M.B.A in Finance from Rutgers University. He resides in Plumsted Township.

Welcome Home to First Bank.


  • First Bank Cranbury

    2664 Route 130
    Cranbury, NJ 08512
    (609) 642-1064

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  • First Bank Denville

    530 E. Main St. (Route 53)
    Denville, NJ 07834
    (973) 625-1407

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  • First Bank Ewing

    1340 Parkway Avenue
    Ewing, NJ 08628
    (609) 643-0470

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  • First Bank Flemington

    334 Route 31
    Flemington, NJ 08822
    (908) 751-0318

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  • First Bank Hamilton

    2465 Kuser Rd., Suite 101
    Hamilton, NJ 08690
    (609) 528-4400

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  • First Bank Lawrence

    590 Lawrence Square Blvd. S.
    Lawrenceville, NJ 08648
    (609) 587-3111

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  • First Bank Pennington

    3 Tree Farm Road
    Pennington, NJ 08534
    (609) 281-5808

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  • First Bank Cinnaminson

    506 Route 130 North, Suite 1
    Cinnaminson, NJ 08077
    (856) 303-8899

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  • First Bank Delanco

    615 Burlington Ave
    Delanco, NJ 08075
    (856) 461-0611

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  • First Bank Somerset

    225 DeMott Lane
    Somerset, NJ 08873
    (732) 649-1999

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  • First Bank Randolph

    1206 Sussex Turnpike
    Randolph, NJ 07869
    (973) 895-5800

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  • First Bank Williamstown

    1020 North Blackhorse Pike
    Williamstown, NJ 08094
    (856) 728-3400

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  • First Bank Doylestown

    200 S. Main Street
    Doylestown, PA 18901
    (215) 589-6235

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  • First Bank Levittown

    7203 New Falls Road
    Levittown, PA 19055
    (215) 946-6314

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  • First Bank Trevose

    4966 Old Street Road
    Trevose, PA 19053
    (267) 984-4537

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  • First Bank Warminster

    356 York Road
    Warminster, PA 18974
    (215) 441-4118

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  • First Bank West Chester

    121 N. Walnut Street, Suite 320
    West Chester, PA 19380
    (484) 881-3800

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