Community Reinvestment Act (CRA)

In accordance with the Community Reinvestment Act (CRA) regulation, Sandy Spring Bank maintains and, upon request, makes available for public inspection, a complete copy of its CRA Public File, current as of April 1 of the current year. For your convenience, we have made the information available below. 

# Information
 1. Written comments received by the bank for the current year and each of the prior two calendar years.
 2. Community Reinvestment Act Performance Evaluation.
 3 List of Branch Locations.
 4. List of bank branches opened or closed for the current year and each of the prior two calendar years.
 5. List of Branches Hours of Operation.
 6. List of Non-Branch ATMs.
 7. List of Alternative Delivery Systems and Services.
 8. List of Loan Production Offices.
 9. List of Wealth Services and Trust Offices.
10. List of Consumer Products and Services.
11. List of Commercial Products and Services.
12. List of Other Products and Services.
13. Personal Deposit Account Agreement.
14. Commercial Deposit Account Agreement.
15. Personal Fee Schedule. 
16. Business Fee Schedule.
17. Assessment Area Map.
18. Assessment Area Census Tracts.
19. CRA Disclosure Statement: 2023.
20. CRA Disclosure Statement: 2022.
21. CRA Disclosure Statement: 2021.
22. HMDA Disclosure Statement: 2024.
23. HMDA Disclosure Statement: 2023.
24. HMDA Disclosure Statement: 2022.