Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	01/01/1900
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	20832
State and County Number	24031
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	05
Numeric code	13
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Washington-Arlington-Alexandria, DC-VA-MD-WV

Operational Info

Number of Employees	1,103
Domestic Offices	54
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	04/01/2025
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	4865
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$13.77B
Total Deposits	$11.32B
Total Liabilities	$11.92B
Total Equity Capital	$1.84B
Net Income	$2.09M
Net Loans and Leases	$11.35B
Assets Per Employee ($Millions)	$12.48M
Bank Premises and Fixed Assets	$82.88M
Cash and Balances due from Depository Institutions	$270.21M
Deposits Held in Domestic Offices	$11.32B

Return on Assets (ROA)	0.06%
Return on Equity (ROE)	0.46%
Net Interest Margin	2.78%
Efficiency Ratio	80.23%
Tier 1 Risk-Based Capital Ratio	13.961%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.43%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	13.382%
Earning Assets to total Assets	93.22%

Total Interest Income	$163.03M
Total Noninterest Income	$18.78M
Total Interest Expense	$72.55M
Total Noninterest Expense	$90.03M
Net Interest Income	$90.48M
Pre-tax Net Operating Income	$4.34M
Provision for Credit Losses	$14.89M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$3.30M
Other borrowed funds	$400.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$72.20M
All Other Liabilities	$128.83M
Total Liabilities and Capital	$13.77B

Securities	$1.30B
Available-for-sale debt securities	$1.09B
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$211.18M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Sandy Spring Bank?

$13.77B as of the latest filing.

How much are Sandy Spring Bank's total deposits?

$11.32B in total deposits.

Where is Sandy Spring Bank located?

Olney, MD.

What is the Net Interest Margin?

2.78%.

How many domestic offices does it operate?

54.

When was it established?

01/01/1900.

What is the Return on Assets (ROA)?

0.06%.

How much are total loans and leases?

$11.35B (latest filing).

What is the total interest income (latest filing)?

$163.03M.