Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q1 2022 Earnings Conference Call April 21, 2022 2:00 PM ET Company Participants Daniel Schrider – President and Chief Executive Officer Aaron Kaslow – General Counsel Phil Mantua – Chief Financial Officer Conference Call Participants Casey Whitman – Piper Sandler Erik Zwick – Boenning & Scattergood Catherine Mealor – KBW Russell Gunther – D.A. Davidson Brody Preston – Stephens Operator Hello and welcome to today's Sandy Spring Bancorp, Incorporated Earnings Conferenc ...

Subtitle Copy 4th Quarter 2021 Investor Presentation February 8, 2022 1 Forward Looking Statements and Non-GAAP Financial Information 2 Forward-Looking Statements Sandy Spring Bancorp's forward-looking statements are subject to the following principal risks and uncertainties: risks, uncertainties and other factors relating to the COVID-19 pandemic, including the effect of the pandemic on our borrowers and their ability to make payments on their obligations, the effectiveness of vaccination programs, and the ...

Maryland 52-1532952 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 0-19065 SANDY SPRING BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) 17801 Georgi ...

Industry Portfolio - Hotels: Total commitments of $389 million, with $382 million outstanding, and 9% of the portfolio criticized[2] - Restaurants: Total commitments of $174 million, with $165 million outstanding, and 6% of the portfolio criticized[2] - Services: Total commitments of $413 million, with $248 million outstanding, and 4% of the portfolio criticized[2] - CRE Investment (Office): Total commitments of $846 million, with $785 million outstanding, and 0% of the portfolio criticized[2] - CRE Investment (Retail): Total commitments of $1,429 million, with $1,371 million outstanding and 0% of the portfolio criticized[2] - CRE Investment (Multifamily): Total commitments of $729 million, with $630 million outstanding and 0% of the portfolio criticized[2] Allowance for Credit Losses (ACL) - Q4 2021 ACL increased slightly, driven by loan portfolio growth and qualitative adjustments, partially offset by improved economic variables[6] - Full year 2021 ACL declined by $563 million, primarily due to improved economic conditions, partially offset by increased qualitative factors and loan portfolio growth[10] - The allowance for credit losses as a % of total loans outstanding at December 31, 2021 was 1.10%[14] - Excluding PPP loans, the allowance for credit losses as a % of total loans outstanding at December 31, 2021 would increase to 1.12%[14] Capital Position - Total Sandy Spring Bancorp shareholders' equity was $1,5197 million in 4Q21[16] - Common equity tier 1 capital ratio was 119% in 4Q21[16] - Total risk-based capital ratio was 146% in 4Q21[16]

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q4 2021 Earnings Conference Call January 20, 2022 2:00 PM ET Company Participants Daniel Schrider - President and Chief Executive Officer Aaron Kaslow - General Counsel Phil Mantua - Chief Financial Officer Conference Call Participants Casey Whitman - Piper Sandler Brody Preston - Stephens Inc. Catherine Mealor - Keefe, Bruyette, & Woods Erik Zwick - Boenning and Scattergood Disclaimer*: This transcript is designed to be used alongside the freely available audio reco ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to ____________ Commission File Number: 0-19065 SANDY SPRING BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 52-1532952 (State of incorp ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q3 2021 Earnings Conference Call October 21, 2021 2:00 PM ET Company Participants Dan Schrider - President and CEO Phil Mantua - CFO Aaron Kaslow - General Counsel Conference Call Participants Casey Whitman - Piper Sandler Erik Zwick - Boenning and Scattergood Catherine Mealor - KBW Brody Preston - Stephens Operator Welcome to the Sandy Spring Bancorp, Inc. Earnings Conference Call and Webcast for the Third Quarter of 2021. My name is Harry and I'll be your coordinat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Maryland 52-1532952 (State of incorporation) (I.R.S. Employer Identification Number) 17801 Georgia Avenue, Olney, Maryland 20832 (Address of principal executive office) (Zip Code) 301-774-6400 (Registra ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q2 2021 Earnings Conference Call July 22, 2021 2:00 PM ET Company Participants Daniel Schrider - President & Chief Executive Officer Aaron Kaslow - General Counsel Philip Mantua - Chief Financial Officer Conference Call Participants Casey Whitman - Piper Sandler Catherine Mealor - KBW Broderick Preston - Stephens Inc. Erik Zwick - Boenning and Scattergood Operator Good afternoon and welcome to the Sandy Spring Bancorp Earnings Conference Call and Webcast for the Seco ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to ____________ Commission File Number: 0-19065 SANDY SPRING BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 52-1532952 (State of incorporat ...