Sandy Spring Bancorp is the holding company for Sandy Spring Bank, a community bank serving the Washington D.C. metro area — primarily central Maryland, northern Virginia, and D.C. — through over 50 branches. The bank is pending acquisition by Atlantic Union Bankshares. Sandy Spring's core business is commercial and retail banking: the bank takes deposits from businesses and consumers and lends those funds primarily to small and mid-size businesses and consumers in its local market. Commercial real estate and C&I loans make up the large majority of the loan book. Sandy Spring also operates a wealth management business through its trust department and two subsidiaries, West Financial and Rembert Pendleton Jackson, which together manage roughly $6.2B in assets and account for the majority of non-interest income. Sandy Spring earns money primarily through net interest income — the spread between loan yields and deposit costs — with wealth management fees providing a secondary, more stable income stream. The bank funds its loan book primarily through core deposits, which represent roughly 94% of total deposits. Sandy Spring's competitive positioning rests on its relationship-driven community banking model, targeting local businesses and consumers with personalized service. Near-term strategic priorities include growing C&I lending, reducing investor CRE concentration, and expanding core deposits through deeper client relationships and new small business initiatives.