Kalispell, MT · Cert 30788 · Glacier Bcorp Inc.
State charter, non-member · FDIC · 252 branches
Q2 2026
Market Position · Bozeman, MT · 2026 SOD (annual) · 35.0% share · #1 of 16 inst. · $1.8B of $5.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.89% | 0.90% | 1.10% | 1.20% | +37 bps | |
| Return on Equity | 7.00% | 7.40% | 7.34% | 8.29% | 8.91% | +192 bps | |
| Net Interest Margin | 2.93% | 3.01% | 2.90% | 3.59% | 3.67% | +74 bps | |
| Efficiency Ratio | 62.61% | 61.98% | 61.10% | 61.77% | 58.96% | -365 bps | |
| Non-Interest Burden | 1.64% | 1.67% | 1.58% | 2.00% | 1.93% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 2.87% | 14.59% | 13.92% | 8.94% | +461 bps | |
| Loan Growth (YoY) | 10.00% | 9.32% | 21.23% | 22.11% | 15.22% | +522 bps | |
| Deposit Growth (YoY) | 7.61% | 5.64% | 19.60% | 19.86% | 14.01% | +639 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.28% | 0.33% | 0.37% | 0.42% | +17 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.06% | 0.06% | 0.08% | +5 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.22% | 1.21% | 1.21% | -1 bps | |
| Allowance Coverage of NPLs | 4.9x | 4.3x | 3.7x | 3.3x | 2.9x | -2.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.47% | 9.38% | 9.33% | 9.80% | 10.10% | +64 bps | |
| Total Risk-Based Capital | 13.83% | 13.80% | 13.91% | 14.13% | 14.21% | +38 bps | |
| Equity / Assets | 12.22% | 12.44% | 13.14% | 13.44% | 13.70% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.20% | 85.37% | 84.61% | 84.49% | 86.11% | +91 bps | |
| Liquid Assets / Assets | 12.92% | 12.75% | 12.59% | 12.90% | 11.74% | -118 bps | |
| CRE / Total Capital | n/a | 417% | 424% | 421% | n/a | n/a | |