Vitals
  • Total Assets
    5.1B 9.2 %
  • Total Deposits
    3.6B 9.6 %
  • Total Net Loans
    3.9B 12.3 %
  • Net Income
    47.9M 4.0 %
  • Book Value
    512.2M 0.3 %
  • Book Value x2
    1.0B 0.3 %
  • Book Value x3
    1.5B 0.3 %
ROAA

1.012

ROAE

9.41

Efficiency Ratio

60.688

Net Interest Margin

3.425

Balance Sheet Highlights
Financial Highlights Sandy Spring Bank All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 5,079,731 804,628
Total Net Loans 3,896,963 615,155
Total Deposits 3,585,883 644,089
Total Equity 512,154 83,729
Profitability
Net Income 47,935 6,445
Return on Average Assets 1.012 .743
Return on Average Equity 9.41 7.02
Net Interest Margin 3.425 3.678
Efficiency Ratio 60.688 72.114
Noninterest Income/Revenue 21.598 18.691
Balance Sheet Ratios
Loan-to-Deposit 108.675 90.195
Securities/Assets .142 .114
Total Equity/Total Assets .101 .104
Tangible Equity/Tangible Assets .084 .093
Capital Adequacy
Tier 1 Common Capital 434,527 74,463
Tier 1 Capital 434,527 75,572
Tier 2 Capital 74,067 7,498
Total Capital 508,594 83,523
Total Risk Weighted Assets 4,125,289 632,592
Leverage Ratio 9.09 9.794
Common Equity Tier 1 Capital Ratio 10.53 12.533
Tier 1 Capital Ratio 10.53 12.687
Total Capital Ratio 12.33 13.794

Timeline for Sandy Spring Bank

Commercefirst Bank

Acquisition: Sandy Spring Bank acquired a new subsidiary, Commercefirst Bank, 11 years

View Profile Jun 01 2012

Sasr Holdings, Llc.

Sasr Holdings, Llc. became a new subsidiary organization for Sandy Spring Bank.

View Profile Mar 05 2008

County National Bank

Acquisition: Sandy Spring Bank acquired a new subsidiary, County National Bank, 16 years

View Profile Jun 01 2007

Potomac Bank Of Virginia

Acquisition: Sandy Spring Bank acquired a new subsidiary, Potomac Bank Of Virginia, 17 years

View Profile Feb 16 2007

West Financial Services, Inc.

West Financial Services, Inc. became a new subsidiary organization for Sandy Spring Bank.

View Profile Oct 03 2005

Want to see more?

Complete timeline for Sandy Spring Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Commercefirst Bank Seller 204,836 Acquisition Discontinued 6/1/2012
County National Bank Seller 158,289 Acquisition Discontinued 6/1/2007
Potomac Bank Of Virginia Seller 263,803 Acquisition Discontinued 2/16/2007
Bank Of Annapolis Seller 81,062 Pooling of Interests Discontinued 8/30/1996
First Montgomery Bank Of Maryland Seller 34,690 Discontinued 12/1/1993
Savings Institution Of Sandy Spring, Maryland Seller Discontinued 6/30/1972
Relationships Role Relationship Start Relationship End
Sandy Spring Bancorp, Inc. Parent 1/29/1988
Sandy Spring Insurance Corporation Subsidary 6/30/2007
Equipment Leasing Company, The Subsidary 6/30/2007
West Financial Services, Inc. Subsidary 6/30/2007
Sasr Holdings, Llc. Subsidary 3/5/2008
Sandy Spring Insurance Corporation Subsidary 4/1/1992 6/29/2007
Equipment Leasing Company, The Subsidary 3/12/2001 6/29/2007
West Financial Services, Inc. Subsidary 10/3/2005 6/29/2007
Sandy Spring Mortgage Corporation Subsidary 4/1/1997 4/1/2000
Similar Organizations
Organization City State Total Assets
Nbh Bank
 		Greenwood Village CO 4.6B
Johnson Bank
 		Racine WI 4.5B
Univest Bank And Trust Co.
 		Souderton PA 4.1B
Usameribank
 		Largo FL 4.0B
Brookline Bank
 		Brookline MA 3.9B
Origin Bank
 		Choudrant LA 3.9B
1St Source Bank
 		South Bend IN 5.4B
Westamerica Bank
 		San Rafael CA 5.3B
Pacific Premier Bank
 		Irvine CA 3.8B
Peapack-Gladstone Bank
 		Gladstone NJ 3.8B