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Sandy Spring Bancorp
Sandy Spring Bancorp (SASR) investor relations material
Sandy Spring Bancorp has been acquired
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
Acquisition of Sandy Spring Bancorp closed on April 1, a quarter ahead of schedule, expanding the franchise and accelerating integration plans.
Economic outlook became more uncertain with increased market volatility and abrupt policy changes, but the company remains confident in its market position.
The franchise now covers affluent, resilient markets in the Mid-Atlantic, with a focus on Maryland, Virginia, and North Carolina.
Financial highlights
Net income available to common shareholders was $46.9 million; adjusted operating earnings were $51.6 million.
Diluted EPS was $0.52; adjusted operating EPS was $0.57.
Adjusted operating return on tangible common equity was 13.2%; adjusted operating return on assets was 0.90%.
Net interest margin expanded by 12 basis points to 3.45% quarter-over-quarter.
Non-interest income decreased by $6 million, mainly due to lower swap fees and investment income.
Non-interest expense increased by $4.5 million, driven by higher salaries, benefits, and technology costs.
Outlook and guidance
Full-year 2025 net interest income projected between $1.15 billion and $1.25 billion.
Net interest margin expected between 3.75% and 4%, assuming three Fed rate cuts in 2025.
Year-end loan balances projected at $28–$29 billion; deposit balances at $31–$32 billion.
Allowance for credit losses to loans expected between 1.2% and 1.3%; net charge-off ratio between 15–25 basis points.
Adjusted operating non-interest income expected at $165–$185 million; non-interest expenses at $665–$685 million.
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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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