Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank that provides commercial and retail banking services to individuals and businesses in central Maryland and Northern Virginia. It operates through three segments: Community Banking, Insurance, and Investment Management. The company’s deposit products include demand, money market savings, regular savings, and time deposits. Its loan portfolio comprises residential real estate loans; commercial real estate loans, commercial construction loans, leases, and other commercial loans; and consumer loans comprising home equity loans and lines, installment loans, and personal lines of credit. The company also provides general insurance agency and personal trust services, as well as investment management and financial planning services, including cash flow analysis, investment review, tax planning, retirement planning, insurance analysis, and estate planning to individuals, families, small businesses, and associations. As of November 18, 2015, it operated 44 branches and 6 financial centers. The company was founded in 1868 and is headquartered in Olney, Maryland.