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 ...

4th Quarter Supplemental Information January 20, 2022 1 Specific Industry Summary As of December 31, 2021 | --- | --- | --- | --- | --- | --- | --- | --- | |-----------------------------|------------------------|--------------------------|---------------------------------------------|------------------------------------|------------------------|--------------------------------|-----------| | ($ in millions) Industry | Total Commitments(1) | Balance Outstanding(1) | Loans with Active Payment Accommodation | ...

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 ...

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 ...

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 ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q1 2021 Results Conference Call April 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 Steven Comery - G. Research Catherine Mealor - Keefe, Bruyette, & Woods Erik Zwick - Boenning and Scattergood, Inc Broderick Preston - Stephens Inc Operator Good afternoon, everyone, and welcome to the Sandy ...

1st Quarter Supplemental Information April 22, 2021 1 Loan Accommodations As of March 31, 2021 ($ in millions) Loans with % of Portfolio Balance Payment with Payment Loan Type Outstanding(1) Accommodation Accommodation Commercial & Industrial $1,108 $12 1% Acquisition, Development & Construction $1,053 $19 2% Owner Occupied Real Estate $1,643 $26 2% Investment Real Estate $3,648 $164 4% 2 Total Commercial Loans $7,452 $221 3% | --- | --- | --- | --- | |-----------------------|--------|-------|-------| | | | ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q4 2020 Earnings Conference Call January 21, 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 Steve Comery - G.Research Cassiday Whitman - Piper Sandler Catherine Miller - KBW Brody Preston - Stephens, Inc. Eric Zwick - Boenning & Scattergood Mark Hughes - Lafayette Investments Operator Good day and welcome to the Sandy Spring ...

Subtitle Copy 4 th Quarter Supplemental Information January 21, 2021 1 Sandy Spring Bancorp — Loan Accommodations As of December 31, 2020 ($ in millions) Balance Loans with % of Portfolio Outstanding(1) Payment with Payment Loan Type at 12/31/2020 Accommodation Accommodation Subtitle Copy Commercial & Industrial $1,214 $12 1% Acquisition, Development & Construction $1,055 $18 2% Owner Occupied Real Estate $1,645 $24 1% Investment Real Estate $3,641 $146 4% 2 Total Commercial Loans $7,556 $200 3% | --- | --- ...

Sandy Spring Bancorp (NASDAQ:SASR) Q3 2020 Earnings Conference Call October 22, 2020 2:00 PM ET Company Participants Daniel Schrider - President & Chief Executive Officer Aaron Kaslow - General Counsel Philip Mantua - Chief Financial Officer Conference Call Participants Steve Comery - G.Research Casey Whitman - Piper Sandler Stuart Lotz - KBW Brody Preston - Stephens, Inc. Eric Zwick - Boenning & Scattergood Operator Good day, and welcome to the Sandy Spring Bancorp, Inc. Earnings Conference Call and Webcas ...