Sandy Spring Bancorp reported a net income of $20.7 million for Q3 2023, a decrease compared to the previous quarter and the same quarter last year. However, core earnings increased slightly from the previous quarter, driven by lower provision for credit losses, reduced employee benefits expenses, and decreased marketing expenses, which was offset by reduced net interest income. The company added over 1,500 clients and grew its Commercial & Industrial portfolio while reducing Commercial Real Estate concentration.