Sandy Spring National Bank of Maryland
Olney, MD · Cert 4865 · Peer group: banks over $10B in assets (n=157)
FDIC · 55 branches
Q1 2025
$13.8BAssets
$11.5BLoans
$11.3BDeposits
$1.8BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks over $10B in assets (rank 30 of 157).
- Widest gap: return on equity trails 97% of banks over $10B in assets (rank 152 of 157).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.06%
Rank 152 of 157
Net Interest Margin
2.65%
Rank 116 of 157
Efficiency Ratio
82.40%
Rank 152 of 157
Equity / Assets
13.38%
Rank 30 of 157
Non-interest income vs. expense
Unfavorable gap of $285.0M · efficiency ratio beats 4% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.71% | 1.05% | 1.30% | Beats 3% | 152 / 157 | |
| Return on Equity | 0.45% | 6.37% | 9.49% | 11.74% | Beats 3% | 152 / 157 | |
| Net Interest Margin | 2.65% | 2.63% | 3.00% | 3.32% | Beats 26% | 116 / 157 | |
| Efficiency Ratio | 82.40% | 50.94% | 58.20% | 64.54% | Beats 4% | 152 / 157 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.43% | 0.71% | 1.09% | Beats 29% | 112 / 157 | |
| Net Charge-Offs / Loans | 0.30% | 0.02% | 0.06% | 0.12% | Beats 11% | 141 / 157 | |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 12.27% | 13.30% | 15.69% | Beats 62% | 60 / 157 | |
| Total Risk-Based Capital Ratio | 14.94% | 13.53% | 14.45% | 16.90% | Beats 55% | 70 / 157 | |
| Equity / Assets | 13.38% | 9.44% | 11.03% | 12.72% | Beats 81% | 30 / 157 | |
| Liquidity & Funding |
| Loans / Deposits | 101.23% | 73.81% | 83.13% | 89.67% | 94th pctl | 10 / 157 | |
| Loans / Assets | 83.26% | 58.69% | 68.04% | 73.57% | 97th pctl | 5 / 157 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |