sand-bank n.

"water-worn detritus finer than gravel; fine particles of rocks (largely crystalline rocks, especially quartz); the material of the beach, desert, or sea-bed;" Old English sand, from Proto-Germanic *sandam (source also of Old Norse sandr, Old Frisian sond, Middle Dutch sant, Dutch zand, German Sand), from PIE *bhs-amadho- (source also of Greek psammos "sand;" Latin sabulum "coarse sand," which is the source of Italian sabbia, French sable), suffixed form of root *bhes- "to rub."

Historically, the line between sand and gravel cannot be distinctly drawn. Used figuratively in Old English in reference to innumerability and instability. General Germanic, but not attested in Gothic, which used in this sense malma, related to Old High German melm "dust," the first element of the Swedish city name Malmö (the second element meaning "island"), and to Latin molere "to grind."

Metaphoric for innumerability since Old English. In compounds, often indicating "of the shore, found on sandy beaches." In old U.S. colloquial use, "grit, endurance, pluck" (1867), especially in have sand in (one's) craw. Sands "tract or region composed of sand," is by mid-15c.

"natural earthen incline bordering a body of water," c. 1200, from a Scandinavian source such as Old Norse *banki, Old Danish banke "sandbank," from Proto-Germanic *bankon "slope," cognate with *bankiz "shelf" (see bench (n.)). As "rising ground in a sea or rover, shoal," from c. 1600. As "bench for rowers in an ancient galley," 1590s.

There probably was an Old English cognate but it is not attested in surviving documents. The nasalized form likely is a variant of Old Norse bakki "(river) bank, ridge, mound; cloud bank," cognate with Swedish backe, Danish bakke "hill, rising ground."