Businessmen Henry Howard was born in 1833, and arrived in Port Huron with his family in 1834. As an adult, Howard was an entrepreneur who owned portions of a number of local sawmills and was a founder of the First National Bank. In 1863, Howard partnered with lumber broker and banker John Johnston to construct a commercial building at the corner of Military and Water Streets which housed Johnson's bank. In 1875, the pair again partnered to construct this building, the Howard Block.[2]
One of the first tenants of the Howard Block was the First National Bank, of which Howard had assumed the presidency of in 1871. The bank remained in the building after Howard's death in 1894, and moved in 1904. The banking section of the building was then occupied by the St. Clair County Savings Bank and, later by the German American Bank. The banking section was then renovated for other commercial uses, including a drug store, jewelry shop, and a men's clothing store. Significant tenants of the building include Springer & Rose, a men's clothing store founded by J. Springer by 1871, which occupied a portion of the building from the 1910s to the 1960s; and Marx Jewelers, which occupied the former bank space starting in the mid-1930s.[2]