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Investor Relations14 Oct 2025
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Sandy Spring Bancorp (SASR) investor relations material
Sandy Spring Bancorp Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2025 earnings summary24 Apr, 2025
Executive summary
Closed Sandy Spring Bancorp acquisition on April 1, 2025, a quarter ahead of schedule, adding 53 branches and expanding presence in Virginia, Maryland, and North Carolina, accelerating integration and cost savings plans.
Pro forma assets reached $38.4B with 183 branches, making the company the largest regional bank in the Mid-Atlantic.
Q1 2025 net income available to common shareholders was $46.9M ($0.52 per share); adjusted operating earnings were $51.6M ($0.57 per share).
Net interest margin expanded to 3.45% (FTE), driven by lower deposit costs and three Fed rate cuts in late 2024.
Asset quality remained strong with negligible net charge-offs and a prudent increase in loan loss reserves due to economic uncertainty.
Financial highlights
Net interest income was $184.2M in Q1 2025, up $0.9M sequentially and $36.3M year-over-year.
Adjusted operating return on tangible common equity was 13.2%; adjusted operating efficiency ratio was 57%.
Loans held for investment declined 0.9% annualized; deposit growth was 2.1% annualized, with non-interest-bearing deposits rising to 22% of total.
Allowance for credit losses increased to 1.13% of loans; net charge-offs remained low at 0.05% annualized.
Noninterest income was $29.2M, down $6M sequentially, mainly due to lower swap fees and equity investment income.
Outlook and guidance
Full-year 2025 outlook includes Sandy Spring and assumes $2B CRE loan sale closes by June 30, 2025.
Year-end loan balances projected at $28B–$29B; deposits at $31B–$32B.
Net interest income expected between $1.15B–$1.25B; net interest margin projected at 3.75%–4%.
Allowance for credit losses to loans expected at 1.2%–1.3%; net charge-off ratio at 15–25 basis points.
Assumes three Fed rate cuts in 2025 and no recession; expects top quartile peer profitability.
What is driving the decline in equity method investment income?
Explain the proactive steps to fortify loan loss reserves.
How will the Sandy Spring merger impact future growth?
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Frequently asked questions
Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank. SSB offers commercial and retail banking and trust services to individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises construction, land development, multifamily residential, commercial business real estate, SBA loans and other loans.
Its loan portfolio includes CCB lines of credit; multi-family mortgage loans; construction loans on apartment projects; condo projects; co-op apartment projects; condominium projects; mixed use buildings; self storage buildings; and seniors housing property developments. Sandy Spring Bancorp, Inc. was founded in 1868 and is headquartered in Olney, Maryland.
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