Glacier Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Glacier Bank, based in Kalispell, Montana, reported $31.6 billion in assets at June 30, 2026, up 8.9% from a year earlier. It pays an average of 1.29% on its deposits and borrowings, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). It also keeps 3.98 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.63 cents).
Earnings jumped: net income for the quarter was $102 million, 76% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.23% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Glacier Bank reported a CET1 capital ratio of 12.99%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 49 Commons Loop, Kalispell, MT 59901
- County
- Flathead
- Metro Area
- Kalispell, MT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 15, 1955
- Former names
- Glacier Bank F.S.B. (1992-1998)
- Offices
- 261 domestic
- Employees (FTE)
- 4,118
- Domestic deposits
- $24.86B
- Allowance for credit losses
- $260.0M
- Net charge-offs (YTD)
- $8.9M
- Average total assets
- $31.68B
- Average total loans
- $21.13B
- Average interest-bearing deposits
- $17.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30788
- Fed RSSD
- 2634191
- SEC CIK
- 868671 → filed by GLACIER BANCORP, INC.
- Website
- www.glacierbank.com →
- Parent Holding Company
- GLACIER BANCORP, INC. (RSSD 2003975) · GBCI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Randall M Chesler | CEO | PRESIDENT/CEO |
| Ron J Copher | CFO | EXECUTIVE VICE PRESIDENT/CFO |
| Screnar Ryan Thomas | CCO | Chief Compliance Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Glacier Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Glacier Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Glacier Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Glacier Bank
- Guaranty Bank & Trust, N.A., effective October 1, 2025
- Bank of Idaho, effective May 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.99% | 1.29% | 0.42% | 2.73% | 3.98% |
| Q1 2026 | 12.89% | 1.10% | 0.37% | 2.38% | 3.82% |
| Q4 2025 | 12.67% | 0.89% | 0.33% | 2.06% | 3.69% |
| Q3 2025 | 12.58% | 0.99% | 0.28% | 1.68% | 3.49% |
| Q2 2025 | 12.62% | 0.81% | 0.25% | 1.71% | 3.22% |
| Q1 2025 | 12.71% | 0.83% | 0.22% | 1.62% | 3.04% |
| Q4 2024 | 12.46% | 0.90% | 0.15% | 1.19% | 3.02% |
| Q3 2024 | 12.50% | 0.76% | 0.16% | 1.12% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 252 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Glacier Bank (main office) | Kalispell , MT | 59901 | $1.13B |
| Bozeman - Downtown | Bozeman , MT | 59715 | $768.9M |
| Fsbm Main Branch | Missoula , MT | 59801 | $493.2M |
| Guaranty Bank & Trust Branch | Mount Pleasant , TX | 75455 | $473.6M |
| Valley Bank - Main Office Branch | Helena , MT | 59601 | $381.1M |
| Reno Main Branch | Reno , NV | 89502 | $367.5M |
| Wsb Main Branch | Billings , MT | 59101 | $320.5M |
| Mwb Main Branch | Coeur D Alene , ID | 83814 | $310.6M |
| Altabank Branch | American Fork , UT | 84003 | $300.2M |
| Lake Havasu City Branch | Lake Havasu City , AZ | 86403 | $285.9M |
| Kingman Haulapai Office Branch | Kingman , AZ | 86401 | $257.5M |
| Hayden Branch | Hayden , ID | 83835 | $255.5M |
| 4th Avenue Branch | Yuma , AZ | 85364 | $252.7M |
| Damonte Branch | Reno , NV | 89521 | $248.8M |
| Bozeman - South 19th | Bozeman , MT | 59718 | $222.6M |
| Polson Branch | Polson , MT | 59860 | $216.9M |
| Powell Branch | Powell , WY | 82435 | $203.8M |
| Glacier Bank of Whitefish Branch | Whitefish , MT | 59937 | $203.6M |
| Belgrade Branch | Belgrade , MT | 59714 | $202.6M |
| Paris-Lamar Ave Branch | Paris , TX | 75460 | $202.2M |
| Bozeman - Cottonwood | Bozeman , MT | 59718 | $199.1M |
| Missoula American Way Office | Missoula , MT | 59808 | $196.5M |
| Lehi Branch | Lehi , UT | 84043 | $193.4M |
| Valley Bank - Harrison Branch | Butte , MT | 59701 | $193.4M |
| Wheatland Branch | Wheatland , WY | 82201 | $189.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2025 | Structure Change | Acquired Guaranty Bank & Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2025 | Structure Change | Acquired Bank of Idaho Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2024 | Structure Change | Acquired Wheatland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Structure Change | Acquired Altabank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2020 | Structure Change | Acquired State Bank of Arizona Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2019 | Structure Change | Acquired Heritage Bank of Nevada Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Structure Change | Acquired The First National Bank of Layton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2018 | Structure Change | Acquired First Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2018 | Structure Change | Acquired Collegiate Peaks Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2017 | Structure Change | Acquired The Foothills Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2016 | Structure Change | Acquired Treasure State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2015 | Structure Change | Acquired Canon National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | Structure Change | Acquired Community Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2014 | Structure Change | Acquired First National Bank of the Rockies Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | Structure Change | Acquired North Cascades National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2013 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2012 | Structure Change | Acquired First Bank of Montana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2008 | Structure Change | Acquired Glacier Bank of Whitefish Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 27, 2007 | Structure Change | Acquired First Citizens Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1998 | Structure Change | Acquired Glacier Bank Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Glacier Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 21.4% of deposits in MT, rank 1 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,689 applications, 4,789 loans originated, $1.96B originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 77 loans, $35.9M approved, $466K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Glacier Bank
What are Glacier Bank's total assets?
As of the Q2 2026 filing, Glacier Bank reported total assets of $31.58 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Glacier Bank headquartered?
Glacier Bank is headquartered in Kalispell, MT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Glacier Bank founded?
Glacier Bank was established in 1955, per the FDIC institution directory.
Is Glacier Bank FDIC-insured?
Yes. Glacier Bank is an FDIC-insured commercial bank (FDIC Certificate #30788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Glacier Bank?
Glacier Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Glacier Bank's CET1 capital ratio?
Glacier Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Glacier Bank operate?
Glacier Bank operates 261 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Glacier Bank's Texas Ratio?
Glacier Bank's Texas Ratio is 2.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Glacier Bank previously called?
The charter now named Glacier Bank has also operated as Glacier Bank F.S.B. (1992-1998), per FDIC structure-change records.
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