Sandy Spring Bancorp is the holding company for Sandy Spring Bank, which operates more than 40 branches in the Baltimore and Washington, DC, metropolitan areas. Founded in 1868, the bank is one of the largest and oldest headquartered in Maryland. Sandy Spring Bank provides standard deposit services, including checking and savings accounts, money market accounts, and CDs. Commercial mortgages account for the largest portion of the company's loan portfolio (about 40%); the remainder is a mix of residential mortgage, consumer, construction, and business loans, as well as equipment leases. The company also offers personal investing services, wealth management, trust services, insurance, and retirement planning.