Glacier Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) climbed 3.07 percentage points in Q2 2026, from 77.18% to 80.25%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Glacier Bank is 12th of 35 on loan-to-deposit ratio, 86.11% as of 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.41B |
| Net loans and leases | $21.15B |
| Loans held for sale | $45.1M |
| Loans to total assets | 67.80% |
| Loan-to-deposit ratio | 86.11% |
| Net loans to equity capital | 4.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.62% |
| Multifamily (5+ residential) | 5.02% |
| Commercial and industrial | 7.88% |
| Consumer | 1.04% |
| Credit cards | 0.02% |
| Farm | 3.71% |
| Loans to depository institutions | 0.05% |
| State and political subdivisions | 4.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.33% |
| Construction concentration (Tier 1 capital + allowance) | 80.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $325.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $16.16B | $20.52B | 41.71% | 8.43% | 1.45% |
| Q4 2023 | $16.21B | $20.03B | 41.81% | 8.41% | 1.41% |
| Q1 2024 | $16.76B | $20.58B | 41.64% | 8.18% | 1.33% |
| Q2 2024 | $16.89B | $20.26B | 41.62% | 8.29% | 1.31% |
| Q3 2024 | $17.23B | $20.88B | 41.35% | 8.05% | 1.29% |
| Q4 2024 | $17.29B | $20.72B | 41.93% | 8.07% | 1.21% |
| Q1 2025 | $17.26B | $20.81B | 41.93% | 8.07% | 1.09% |
| Q2 2025 | $18.58B | $21.81B | 42.05% | 8.32% | 1.06% |
| Q3 2025 | $18.83B | $22.06B | 41.97% | 8.29% | 1.02% |
| Q4 2025 | $20.97B | $24.78B | 42.02% | 7.87% | 1.13% |
| Q1 2026 | $21.08B | $24.94B | 42.86% | 7.74% | 1.08% |
| Q2 2026 | $21.41B | $24.86B | 42.62% | 7.88% | 1.04% |
Glacier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Glacier Bank, freeSource: Call Report Schedule RC-C, 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)