Bank Branches › Closed and merged banks › Maryland › Sandy Spring Bank
What happened to Sandy Spring Bank?
Sandy Spring Bank in Olney, MD (earlier called The First National Bank of Sandy Spring and 2 other names) merged into Atlantic Union Bank of Richmond City, VA on Apr 1, 2025. Atlantic Union Bank is open today.
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1900The First National Bank of Sandy Spring opens in Olney, MD
- Jun 30, 1972renamed Sandy Spring National Bank and Savings Institution
- Jul 1, 1986renamed Sandy Spring National Bank of Maryland
- Sep 21, 2001renamed Sandy Spring Bank
- Apr 1, 2025MERGEDSandy Spring Bank merged into Atlantic Union Bank of Richmond City, VA.FDIC certificate 4865 ends; its business continues under certificate 34589.
- TodayOPEN
Atlantic Union BankMain office Richmond City, VA · FDIC certificate 34589 · 177 offices in 4 states on June 30, 2026Every Atlantic Union Bank office → Website on file with the FDIC: www.atlanticunionbank.com
If you still have something from Sandy Spring Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Sandy Spring Bank as lienholder, start with Atlantic Union Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Atlantic Union Bank to search for the account under the name Sandy Spring Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Atlantic Union Bank which branch now holds boxes from the Sandy Spring Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
89 offices filed under this charter in some year from 1994 on. 51 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 11636 Plaza America DrReston, VA | OpenAtlantic Union Bank |
| 611 Rockville PikeRockville, MD | OpenAtlantic Union Bank |
| 17801 Georgia AveOlney, MD | OpenAtlantic Union Bank |
| 12276 Clarksville PikeClarksville, MD | OpenAtlantic Union Bank |
| 6031 University BlvdEllicott City, MD | OpenAtlantic Union Bank |
| 484 N Frederick AveGaithersburg, MD | OpenAtlantic Union Bank |
| 7550 Wisconsin Ave, Ste 100Bethesda, MD | OpenAtlantic Union Bank |
| 10329 Old Georgetown RdBethesda, MD | OpenAtlantic Union Bank |
| 13300 New Hampshire AveColesville, MD | OpenAtlantic Union Bank |
| 7653 Lindbergh DrGaithersburg, MD | OpenAtlantic Union Bank |
| 2095 Chain Bridge RdVienna, VA | OpenAtlantic Union Bank |
| 9910 Main StFairfax, VA | OpenAtlantic Union Bank |
| 166 Jennifer RdAnnapolis, MD | OpenAtlantic Union Bank |
| 4501 Fairfax DrArlington, VA | OpenAtlantic Union Bank |
| 704 Lisbon Center DrWoodbine, MD | OpenAtlantic Union Bank |
| 502 Washington Ave, Ste 103Towson, MD | OpenAtlantic Union Bank |
| 30 W Patrick St, Ste 101Frederick, MD | OpenAtlantic Union Bank |
| 8529 Veterans HwyMillersville, MD | OpenAtlantic Union Bank |
| 3535 Spencerville RdBurtonsville, MD | OpenAtlantic Union Bank |
| 5250 Port Royal RdSpringfield, VA | OpenAtlantic Union Bank |
| 12735 Shoppes LnFairfax, VA | OpenAtlantic Union Bank |
| 1003 W Patrick StFrederick, MD | OpenAtlantic Union Bank |
| 26250 Ridge RdDamascus, MD | OpenAtlantic Union Bank |
| 116 Mitchells Chance RdEdgewater, MD | OpenAtlantic Union Bank |
| 14241 Layhill RdSilver Spring, MD | OpenAtlantic Union Bank |
| 319 Main StLaurel, MD | OpenAtlantic Union Bank |
| 3801 International DrSilver Spring, MD | OpenAtlantic Union Bank |
| 425 E Ridgeville BlvdMount Airy, MD | OpenAtlantic Union Bank |
| 20930 Frederick RdGermantown, MD | OpenAtlantic Union Bank |
| 4001 Mountain RdPasadena, MD | OpenAtlantic Union Bank |
| 1 Ashton RdAshton, MD | OpenAtlantic Union Bank |
| 7405 Ritchie HwyGlen Burnie, MD | OpenAtlantic Union Bank |
| 8401 Colesville RdSilver Spring, MD | OpenAtlantic Union Bank |
| 9921 Stedwick RdGaithersburg, MD | OpenAtlantic Union Bank |
| 8315 Ice Crystal DrLaurel, MD | OpenAtlantic Union Bank |
| 9812 Falls Rd, Ste 125Potomac, MD | OpenAtlantic Union Bank |
| 1356 Chain Bridge RdMclean, VA | OpenAtlantic Union Bank |
| 9851 Georgetown PikeGreat Falls, VA | OpenAtlantic Union Bank |
| 9113 Manassas DrManassas Park, VA | OpenAtlantic Union Bank |
| 14404 Baltimore AveLaurel, MD | OpenAtlantic Union Bank |
Banks folded into Sandy Spring Bank
8 banks merged directly into this charter; counting the banks those had absorbed earlier, 14 charters end up inside it.
| Bank | Ended |
|---|---|
| Revere BankRockville, MD | Apr 1, 2020 |
| WashingtonFirst BankReston, VA | Jan 1, 2018 |
| CommerceFirst BankAnnapolis, MD | Jun 1, 2012 |
| County National BankGlen Burnie, MD | Jun 1, 2007 |
| Potomac Bank of VirginiaFairfax, VA | Feb 16, 2007 |
| Bank of AnnapolisAnnapolis, MD | Aug 29, 1996 |
| First Montgomery Bank of MarylandGaithersburg, MD | Dec 1, 1993 |
| Savings Institution of Sandy Spring, MarylandSandy Spring, MD | Jun 30, 1972 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 4865 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.