Glacier Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 6.1% from Q1 2026 to Q2 2026, ending at $1.00B against $944.5M. It was the largest change among the key lines on this page. Glacier Bank ranks 13th of 21 Montana banks on CET1 ratio, in the lower half at 12.99% (Q2 2026). At 12.99%, Glacier Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 10.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.05B |
| Tier 1 capital | $3.05B |
| Total risk-based capital | $3.34B |
| Total equity capital | $4.33B |
| Risk-weighted assets | $23.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.70% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 13.65% |
| Internal capital growth rate | 5.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $3.50B |
| Retained earnings | $1.00B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$171.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.78% | 12.78% | 13.82% | 8.79% | $18.86B |
| Q4 2023 | 13.01% | 13.01% | 14.07% | 8.81% | $18.63B |
| Q1 2024 | 12.77% | 12.77% | 13.86% | 8.88% | $19.15B |
| Q2 2024 | 12.69% | 12.69% | 13.78% | 9.09% | $19.24B |
| Q3 2024 | 12.50% | 12.50% | 13.61% | 8.90% | $19.32B |
| Q4 2024 | 12.46% | 12.46% | 13.59% | 8.77% | $19.34B |
| Q1 2025 | 12.71% | 12.71% | 13.92% | 9.07% | $19.33B |
| Q2 2025 | 12.62% | 12.62% | 13.83% | 9.47% | $20.73B |
| Q3 2025 | 12.58% | 12.58% | 13.80% | 9.38% | $20.97B |
| Q4 2025 | 12.67% | 12.67% | 13.91% | 9.33% | $23.02B |
| Q1 2026 | 12.89% | 12.89% | 14.13% | 9.80% | $23.21B |
| Q2 2026 | 12.99% | 12.99% | 14.21% | 10.10% | $23.52B |
Glacier Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Glacier Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Glacier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30788) · FFIEC NIC profile (RSSD 2634191)