Glacier Bank
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Data as of · sourced from FFIEC call reports. How we update
Glacier Bank is an FDIC-insured commercial bank headquartered in Kalispell, MT, established in 1955 (FDIC certificate 30788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $31.58B, up 8.9% from Q2 2025, the largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 12.99% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30788
- Headquarters
- Kalispell, MT
- Established
- 1955
- Total assets, Q2 2026
- $31.58B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 12.99%
- Domestic offices
- 261 FDIC institution directory, current count
- Routing number
- 292970825
- Latest call report
- Q2 2026, FFIEC 041 · Glacier Bank call report
- Holding company
- GLACIER BANCORP, INC.
- Asset rank in state
- 1st of 35 in Montana
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Glacier Bank is the largest of the 35 banks headquartered in Montana. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $31.58B, loans rose 1.6% and deposits fell 0.3%. Non-owner-occupied commercial real estate loans made up 24.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.6%. On its Q2 2026 call report, Glacier Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 261 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Glacier Bank's total assets moved between a low of $27.72B (Q4 2023) and a high of $31.96B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$31.58B total assets against $28.99B; $27.25B total liabilities against $25.44B.
$21.15B net loans and leases against $18.35B; $24.86B total deposits against $21.81B.
$6.49B securities against $7.23B; $1.06B cash and balances due against $915.5M.
$368.4M total interest income against $310.3M; $86.5M total interest expense against $98.5M.
$281.9M net interest income against $211.7M.
$40.5M total noninterest income against $32.5M; $186.2M total noninterest expense against $151.9M.
$6.4M provision for credit losses against $20.3M.
$102.2M net income against $58.0M.
1.29% return on assets against 0.81%; 3.98% net interest margin against 3.22%.
12.99% CET1 capital ratio against 12.62%; 10.10% tier 1 leverage ratio against 9.47%.
Inside the full Glacier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 68 of 4,196, for total assets; its furthest is 1,402 of 2,134, for 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
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.29% (Q2 2026) and its net interest margin ran from 2.88% (Q3 2024) to 3.98% (Q2 2026).
| 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
View all 252 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Glacier Bank headquartered?
It is headquartered in Kalispell, MT, United States.
When was Glacier Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Glacier Bank FDIC-insured?
Yes. It 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.
What is Glacier Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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