For Local HVAC Contractor, Sandy Spring Bank’s Industry Knowledge and Customer Service Are Unmatched

Altantic Coastal Cooling and Heating Ellen Carmen and James Carmen
Atlantic Coastal Cooling and Heating, Inc. (ACCH) is a family-owned, full-service HVAC contractor servicing Montgomery County and its surrounding areas. After working for his father’s HVAC company, James (Jamie) Carmen founded ACCH in 2003. Partnering with his wife Ellen in 2014, the company has since grown from just three employees to 17 people with more than 60 years of combined HVAC experience. The Carmens began their relationship with Sandy Spring Bank in 2018 after receiving a recommendation from their accountant. At the time, they needed to obtain a loan to form an LLC and purchase an additional building. Sandy Spring Bank listened closely and was able to provide a loan structured to meet all the Carmens needs. They have been working with the Bank ever since.
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For Kinsale Management Group, Sandy Spring Bank is Vital to the Company’s Growth

Kinsale Management Group Sandy Spring Bank
Kinsale Management Group provides professional services and strategic leadership to architecture, engineering, and construction firms, including MidAtlantic Contracting, Pro Power & Electric, and Z Con. With these four businesses all falling under the Kinsale Management Group umbrella, CEO Fred Chandler knew he needed a bank that could provide sound financial guidance along with flexibility.
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The Morin Company Values Sandy Spring Bank’s Flexibility and Personal Service.

Morin logo Morin Company - Sandy Spring Bank Testimonial
When The Morin Company was founded in 1966, founder Gil Morin and his part-time assistant were the company’s only employees. Since then, it has grown to 80 employees with five separate engineering and HVAC contracting businesses, covering the Mid-Atlantic states and Florida. Since its inception, The Morin Company was self-funded. However, when Kevin and Mike Morin took over the company 20 years ago, they knew it didn’t make sense to continue operating this way. A reliable banking partner was needed to support the company’s rapid growth.
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For Computer World Services, Sandy Spring Bank’s Knowledge of the Government Contracting Sector Sets It Apart from Others

Frank Hameed, President and CFO, Computer World Services
In the 30 years since Frank Hameed founded Computer World Services (CWS), the company’s growth has been exponential. Starting as a one-person outfit in 1990 providing training to DISA engineers in the transition to then-new Voice over IP networks, today CWS is a significant player in the network integration sector, operating worldwide with more than 400 employees serving more than 20 federal agencies.
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For The Kenjya-Trusant Group, LLC, Sandy Spring Bank Offers the Perfect Combination of Services

Vince Marucci, Principal and CFO, The Kenjya-Trusant Group, LLC
The Kenjya-Trusant Group, LLC, is a government contractor that provides technical support services for federal agencies and Principal and CFO, Vince Marucci, knows how important their banking needs are. Having been in business for over 15 years, one of the things they believed in was long-term relationships. Since switching to Sandy Spring Bank, it didn’t take long for Marucci to realize they’re a really good match.
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