Glacier Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 40.46 percentage points in Q2 2026, from 328.40% to 287.93%. It was the largest change from Q1 2026 among the key lines here. Glacier Bank ranks 23rd of 35 Montana banks on return on assets, in the lower half at 1.29% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.29% on return on assets; Glacier Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 10.10% |
| Equity capital to assets | 13.70% |
| Tangible equity to tangible assets | 9.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 2.73% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 287.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 9.52% |
| Net interest margin | 3.98% |
| Efficiency ratio | 55.37% |
| Yield on earning assets | 5.18% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.11% |
| Core deposits to total deposits | 94.07% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 78.73% |
| Securities to assets | 20.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.78% | 12.78% | 13.82% | 8.79% | 0.77% |
| Q4 2023 | 13.01% | 13.01% | 14.07% | 8.81% | 0.81% |
| Q1 2024 | 12.77% | 12.77% | 13.86% | 8.88% | 0.52% |
| Q2 2024 | 12.69% | 12.69% | 13.78% | 9.09% | 0.68% |
| Q3 2024 | 12.50% | 12.50% | 13.61% | 8.90% | 0.76% |
| Q4 2024 | 12.46% | 12.46% | 13.59% | 8.77% | 0.90% |
| Q1 2025 | 12.71% | 12.71% | 13.92% | 9.07% | 0.83% |
| Q2 2025 | 12.62% | 12.62% | 13.83% | 9.47% | 0.81% |
| Q3 2025 | 12.58% | 12.58% | 13.80% | 9.38% | 0.99% |
| Q4 2025 | 12.67% | 12.67% | 13.91% | 9.33% | 0.89% |
| Q1 2026 | 12.89% | 12.89% | 14.13% | 9.80% | 1.10% |
| Q2 2026 | 12.99% | 12.99% | 14.21% | 10.10% | 1.29% |
Glacier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Glacier Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)