Glacier Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 23.7% in Q2 2026, from $1.39B to $1.06B. It was the largest change from Q1 2026 among the key lines here. Glacier Bank ranks 12th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 86.11% (Q2 2026). At 86.11%, Glacier Bank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.06B |
| Cash and noninterest-bearing balances to assets | 3.35% |
| Cash and securities | $7.55B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.95B |
| Other borrowed money | $84.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $90K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.11% |
| Net loans and leases to deposits | 85.07% |
| Loans and leases to core deposits | 91.53% |
| Core deposits to total deposits | 94.07% |
| Brokered deposits to total deposits | 0.01% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.77% | 94.26% | $1.50B | $2.81B |
| Q4 2023 | 80.95% | 94.30% | $1.49B | $2.82B |
| Q1 2024 | 81.45% | 94.09% | $1.54B | $2.23B |
| Q2 2024 | 83.36% | 93.79% | $1.63B | $2.44B |
| Q3 2024 | 82.49% | 93.54% | $1.83B | $1.88B |
| Q4 2024 | 83.47% | 94.05% | $1.78B | $1.88B |
| Q1 2025 | 82.93% | 94.09% | $1.85B | $1.60B |
| Q2 2025 | 85.20% | 94.23% | $1.98B | $1.34B |
| Q3 2025 | 85.37% | 94.38% | $2.00B | $973.2M |
| Q4 2025 | 84.61% | 93.62% | $2.08B | $520.3M |
| Q1 2026 | 84.49% | 93.78% | $2.09B | $82.8M |
| Q2 2026 | 86.11% | 94.07% | $1.95B | $84.5M |
Glacier Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Glacier Bank, freeSource: Call Report Schedules RC and RC-M, 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)