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GBCI on NYSE

Glacier Bancorp, Inc

U.S. banking company

Glacier Bancorp, Inc. is a regional multi-bank holding company headquartered in Kalispell, Montana, United States. It is a successor corporation to the Delaware corporation originally incorporated in 1990. The company provides personal and commercial banking services from 221 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and, Nevada.3 Its shares trade on NYSE under the symbol GBCI.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1990Founded1

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  • TickerGBCI on NYSE1
  • IndustryState Commercial Banks1
  • HeadquartersKalispell1
  • Websitewww.glacierbancorp.com
  • Incorporated inMT5
  • Business address49 Commons Loop, Kalispell, Mt 599015
  • Filer categoryLarge accelerated filer5
  • Legal formCorporation4
  • LEI549300SMJAUKZB5D7V744
  • StatusActive4
  • LEI statusIssued and current4
  • Registered addressC/O Martha Tannehill, 59901 Kalispell, United States4
  • Registered withSecretary of State Corporate Records, D1310064

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Kalispell MT looking toward Glacier National Park from Lone Pine State Park January 27 2010
Photo: User: Dan Petesch, CC BY-SA 3.0, via Wikimedia Commons7

Glacier Bancorp, Inc. is a regional multi-bank holding company headquartered in Kalispell, Montana, United States. It is a successor corporation to the Delaware corporation originally incorporated in 1990. The company provides personal and commercial banking services from 221 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and, Nevada.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

236.5%Net margin8
7.5%Revenue growth, 20258
5.7%Return on equity8
$347.6MFree cash flow8

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax18¢$51.2M
  • Profit82¢$239.0M

Out of $101.1M in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Capital spending7¢$26.8M
  • Dividends paid43¢$162.7M
  • Kept or used elsewhere49¢$184.8M

Out of $374.4M of cash from operations.8

Financial statements

Revenue91011128$101.1M in 2025+45% since 2019
0$50.0M$100.0M$150.0M2019: $69.9M$69.9M20192020: $54.5M$54.5M2020−22%2021: $65.2M$65.2M2021+20%2022: $82.8M$82.8M2022+27%2023: $88.5M$88.5M2023+7%2024: $94.0M$94.0M2024+6%2025: $101.1M$101.1M2025+8%
Net income91011128$239.0M in 2025+14% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $210.5M$210.5M20192020: $266.4M$266.4M2020+27%2021: $284.8M$284.8M2021+7%2022: $303.2M$303.2M2022+6%2023: $222.9M$222.9M2023−26%2024: $190.1M$190.1M2024−15%2025: $239.0M$239.0M2025+26%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Investment securities$187.1M$195.1M$201.9M
Residential real estate loans$111.1M$89.6M$71.3M
Commercial loans$900.0M$766.0M$669.7M
Consumer and other loans$97.5M$89.2M$74.7M
Total interest income$1.3B$1.1B$1.0B
Deposits$274.2M$272.7M$162.4M
Securities sold under agreements to repurchase$57.2M$55.7M$36.4M
Federal Home Loan Bank advances$62.3M$72.6M$26.9M
FRB Bank Term Funding$0$27.1M$93.4M
Other borrowed funds$1.9M$1.3M$1.1M
Subordinated debentures$11.2M$5.7M$5.8M
Total interest expense$406.8M$435.2M$326.0M
Net Interest Income$889.0M$704.6M$691.7M
Provision for credit losses$71.4M$28.3M$14.8M
Net interest income after provision for credit losses$817.6M$676.3M$676.9M
Service charges and other fees$85.1M$78.9M$75.2M
Miscellaneous loan fees and charges$20.4M$18.7M$16.9M
Gain on sale of loans$18.2M$16.9M$12.2M
Gain on sale of securities$0$30.0K$1.5M
Other income$17.7M$14.0M$12.3M
Total non-interest income$141.4M$128.4M$118.1M
Compensation and employee benefits$393.3M$336.9M$309.0M
Occupancy and equipment$55.6M$47.1M$43.6M
Advertising and promotions$17.8M$16.1M$15.4M
Data processing$42.7M$36.9M$33.8M
Other real estate owned and foreclosed assets$292.0K$217.0K$119.0K
Regulatory assessments and insurance$22.7M$24.2M$28.7M
Amortization of core deposit and other intangibles$15.9M$12.8M$9.7M
Other expenses$120.5M$104.3M$87.0M
Total non-interest expense$668.8M$578.5M$527.4M
Income Before Income Taxes$290.2M$226.3M$267.6M
Federal and state income tax expense$51.2M$36.2M$44.7M
Net Income$239.0M$190.1M$222.9M
Basic earnings per share (in dollars per share)$2.00$1.68$2.01
Diluted earnings per share (in dollars per share)$1.99$1.68$2.01
Dividends declared per share (in dollars per share)$1.32$1.32$1.32
Average outstanding shares - basic (in shares)119.8M shares113.2M shares110.9M shares
Average outstanding shares - diluted (in shares)119.9M shares113.2M shares110.9M shares

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Corporate structure

Glacier Bancorp, Inc sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Glacier Bancorp, Inc

  • Glacier Bancorp, Inc Kalispell, Montana, United States
    • Glacier Bank Subsidiary · Kalispell, Montana, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Glacier Bancorp, Inc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Accumulated depreciation$208.1M8 Dec 31, 2025$207.7M8 Dec 31, 2024+0.2%
Property and equipment, net$486.2M8 Dec 31, 2025$412.0M8 Dec 31, 2024+18.0%
Finance-lease assets$27.0M8 Dec 31, 2025$20.0M8 Dec 31, 2024+35.3%
Operating-lease assets (leased space)$48.6M8 Dec 31, 2025$36.3M8 Dec 31, 2024+33.8%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$20.7B8 Dec 31, 2025$17.1B8 Dec 31, 2024+21.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$1.4B8 Dec 31, 2025$1.1B8 Dec 31, 2024+31.1%
Finite-lived intangibles, net$105.3M8 Dec 31, 2025$51.2M8 Dec 31, 2024+105.7%

Properties, in its own words

The following schedule provides information on the Company’s 281 properties as of December 31, 2025:

(Dollars in thousands) · PropertiesLeased · PropertiesOwned · Net BookValue

The rest of Item 2

Montana · 6 · 64 · 155,091

Utah · 6 · 33 · 67,906

Idaho · 12 · 27 · 57,870

Colorado · 6 · 17 · 24,297

Wyoming · 3 · 17 · 21,604

Arizona · 8 · 9 · 16,276

Nevada · 1 · 6 · 10,048

Texas · 14 · 23 · 54,973

Washington · 4 · 25 · 39,124

Total · 60 · 221 · 447,189

We believe that all of our facilities are well maintained, generally adequate and suitable for the current operations of our business. In the normal course of business, new locations and facility upgrades occur as needed.

For additional information regarding the Company’s premises and equipment and lease obligations, see Note 4 and Note 5 to the Consolidated Financial Statements in “Item 8. Financial Statements and Supplementary Data.”

Item 2 of the 10-K filed Feb 25, 2026.16

The story

First Federal Savings and Loan, now known as Glacier Bank (a subsidiary of Glacier Bancorp, Inc.) was founded in 1955 in Kalispell, Montana by a group of local businessmen. With a charter costing $150,000 in 1955, the founding directors raised $172,000 from 127 Flathead citizens to officially get the bank off the ground. In 1984, the bank went public as First Federal Savings Bank of Montana. Glacier Bancorp Inc. was established in 1990 as the parent company of First Federal. First Federal was then renamed to Glacier Bank in 1992.

On February 25, 2013, Glacier Bancorp, Inc. acquired Wyoming-based First State Bank, which held $281 million in assets as of December 31, 2012. On March 1, 2015, Glacier Bancorp, Inc. acquired Ronan-based Community Bank, which held $175 million in assets as of December 31, 2014.

In 2017, Glacier Bancorp merged with First Security Bank. On January 31, 2018, Glacier Bancorp acquired Columbine Capital Corp. and its subsidiary, Collegiate Peaks Bank. On March 1, 2018, Glacier Bancorp acquired Inter-Mountain Bancorp and its subsidiary, First Security Bank. On April 30, 2019, Glacier Bancorp, Inc. acquired FNB Bancorp and its wholly owned subsidiary, The First National Bank of Layton, which held $326 million in assets as of September 30, 2018. On July 31, 2019, Glacier Bancorp, Inc. acquired Heritage Bancorp and its wholly owned subsidiary, Heritage Bank of Nevada, which held $842 million in assets as of June 30, 2019.

On February 29, 2021, Glacier Bancorp, Inc. acquired State Bank Corp. and its wholly owned subsidiary, State Bank of Arizona, which held $677.6 million in assets as of December 31, 2020. On October 1, 2021, Glacier Bancorp, Inc. acquired Utah-based Altabancorp and its wholly owned subsidiary, Altabank, for $933.5 million.

On January 13, 2025, Glacier Bancorp, Inc. announced that it is acquiring Bank of Idaho Holding Co., the bank holding company for Bank of Idaho. The press release stated that it will be "Glacier's 26th bank acquisition since 2000 and its 12th announced transaction in the past 10 years." According to the Idaho State Journal, "After close of the transaction, Bank of Idaho’s Eastern Idaho branches will join Citizens Community Bank, Division of Glacier Bank. The remaining Bank of Idaho branches in Idaho’s Treasure Valley will join Mountain West Bank, Division of Glacier Bank and the branches in Eastern Washington will join Wheatland Bank, Division of Glacier Bank." The regulatory approvals were announced on April 9, 2025 and the transaction is scheduled to be completed on April 30, 2025.

From Wikipedia’s article on Glacier Bancorp, shared under CC BY-SA 4.0.6

Leadership

Who has led Glacier Bancorp, Inc, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Michael J. Blodnick2006–2016
  2. Randall M. Chesler2017–now

President

  1. Michael J. Blodnick2006–2016
  2. Randall M. Chesler2015–now

Chief financial officer

  1. James H. Strosahl2006–2007
  2. Ron J. Copher2007–now
1995200020052010201520202025
Board members and other officers (28)

Products and brands

  • retail banking

Listed on Wikidata.1

Divisions

As of December 31, 2024, the Bank consists of seventeen bank divisions and a corporate division. The bank divisions operate under separate names, management teams and advisory directors and include the following:

Glacier Bank (Kalispell, Montana) with operations in Montana;

First Security Bank of Missoula (Missoula, Montana) with operations in Montana;

Valley Bank (Helena, Montana) with operations in Montana;

Read the full text

First Security Bank (Bozeman, Montana) with operations in Montana;

Western Security Bank (Billings, Montana) with operations in Montana;

First Bank of Montana (Lewistown, Montana) with operations in Montana;

Mountain West Bank (Coeur d’Alene, Idaho) with operations in Idaho and Washington;

Citizens Community Bank (Pocatello, Idaho) with operations in Idaho;

First Bank (Powell, Wyoming) with operations in Wyoming;

First State Bank (Wheatland, Wyoming) with operations in Wyoming;

Wheatland Bank (Chelan, Washington) with operations in Washington;

First Community Bank Utah (Layton, Utah) with operations in Utah;

Altabank (American Fork, UT) with operations in Utah and Idaho;

Bank of the San Juans (Durango, Colorado) with operations in Colorado;

Collegiate Peaks Bank (Buena Vista, Colorado) with operations in Colorado;

The Foothills Bank (Yuma, Arizona) with operations in Arizona.

Locations / Properties

Glacier Bancorp, Inc. has 227 locations, consisting of 194 branches and 33 loan or administration offices, within 8 states across the Mountain West.

From Wikipedia’s article on Glacier Bancorp, shared under CC BY-SA 4.0.6

Former names

  • GLACIER BANCORP INCNov 12, 1996 to Aug 7, 20195

Timeline

  1. Aug 31, 20268-K Regulation FD disclosure; Other events48
  2. Aug 3, 20268-K Regulation FD disclosure49
  3. Jul 23, 20268-K Results of operations50
  4. May 5, 20268-K Regulation FD disclosure51
  5. May 1, 20268-K Shareholder vote; Regulation FD disclosure52
  6. Apr 23, 20268-K Results of operations53
  7. Feb 11, 20268-K Regulation FD disclosure54
  8. Feb 9, 20268-K Executive or director change; Regulation FD disclosure55
  9. Feb 5, 20268-K Regulation FD disclosure56
  10. Jan 22, 20268-K Results of operations57
  11. Oct 29, 20258-K Regulation FD disclosure58
  12. Oct 16, 20258-K Results of operations59
  13. Feb 17, 2017New chief executive Randall M. Chesler becomes CEO17
  14. Jan 4, 2006New chief executive Michael J. Blodnick becomes CEO18
  15. 1990Founded Founded1

Calendar

Coming up

  1. Oct 22, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.62 a share, on Oct 16, 2025.60

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results50
  2. Apr 23, 2026Reported quarterly or annual results53
  3. Jan 22, 2026Reported quarterly or annual results57
  4. Oct 16, 2025Reported quarterly or annual results59
  5. Jul 24, 2025Reported quarterly or annual results61
  6. Apr 24, 2025Reported quarterly or annual results62
  7. Jan 23, 2025Reported quarterly or annual results63
  8. Oct 24, 2024Reported quarterly or annual results64

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

256 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 69 major events, 105 insider forms, 18 large holders, 44 other. The latest 20:

  1. Aug 31, 20264 EDGAR
  2. Aug 31, 20268-K EDGAR
  3. Aug 7, 2026SCHEDULE 13G EDGAR
  4. Aug 4, 202610-Q EDGAR
  5. Aug 3, 20268-K EDGAR
  6. Jul 23, 20268-K EDGAR
  7. May 5, 20268-K EDGAR
  8. May 1, 20268-K EDGAR
  9. May 1, 202610-Q EDGAR
  10. Apr 29, 2026SCHEDULE 13G EDGAR
  11. Apr 29, 2026SCHEDULE 13G EDGAR
  12. Apr 23, 20268-K EDGAR
  13. Mar 26, 2026SCHEDULE 13G/A EDGAR
  14. Mar 13, 2026ARS EDGAR
  15. Mar 12, 2026DEF 14A EDGAR
  16. Feb 25, 20264 EDGAR
  17. Feb 25, 202610-K EDGAR
  18. Feb 18, 20264 EDGAR
  19. Feb 18, 20264 EDGAR
  20. Feb 18, 20264 EDGAR

The 256 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

25 open-market trades by officers, directors and large owners since October 2021: 22 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 28, 2026Langel Craig ADirectorBuy2,250$47.04$105.8KForm 4
Feb 23, 2026Screnar Ryan ThomasChief Administrative OfficerBuy187$48.10$9.0KForm 4
Nov 6, 2025Groom Lee KennethChief Experience OfficerBuy2,425$41.26$100.1KForm 4
Nov 6, 2025Screnar Ryan ThomasChief Administrative OfficerBuy979$41.88$41.0KForm 4
Nov 5, 2025Chesler Randall MPRESIDENT/CEOBuy2,437$40.91$99.7KForm 4
Nov 5, 2025COPHER RON JEXECUTIVE VICE PRESIDENT/CFOBuy2,400$41.17$98.8KForm 4
Oct 31, 2025Heck Kristen LeeDirectorBuy611$40.79$24.9KForm 4
Aug 1, 2025Heck Kristen LeeDirectorBuy153$42.41$6.5KForm 4
Jul 31, 2025Groom Lee KennethChief Experience OfficerSale800$44.24$35.4KForm 4
Jul 31, 2024Goodwin Annie M.DirectorSale5,619$44.55$250.3KForm 4
Jul 25, 2024Chery Don J.EXECUTIVE VICE PRESIDENT/CAOSale1,000$45.49$45.5KForm 4
May 11, 2023Chery Don J.EXECUTIVE VICE PRESIDENT/CAOBuy1,000$27.16$27.2KForm 4
May 8, 2023Chesler Randall MPRESIDENT/CEOBuy1,223$28.68$35.1KForm 4
May 2, 2023Chesler Randall MPRESIDENT/CEOBuy337$29.78$10.0KForm 4
May 2, 2023Langel Craig ADirectorBuy3,250$29.55$96.0KForm 4
Apr 26, 2023Chery Don J.EXECUTIVE VICE PRESIDENT/CAOBuy1,000$32.91$32.9KForm 4
Apr 25, 2023Chesler Randall MPRESIDENT/CEOBuy625$32.83$20.5KForm 4
Apr 25, 2023COPHER RON JEXECUTIVE VICE PRESIDENT/CFOBuy2,200$32.94$72.5KForm 4
Apr 25, 2023Langel Craig ADirectorBuy2,500$32.82$82.0KForm 4
Mar 13, 2023COPHER RON JEXECUTIVE VICE PRESIDENT/CFOBuy2,578$38.74$99.9KForm 4

All 25 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Randall M. Chesler,67$1.0M$3.7M71
2025Ron J. Copher,68$525.4K$1.4M71
2025Lee K. Groom,49$342.0K$699.9K71
2025Ryan T. Screnar,52$342.0K$696.6K71
2025Don J. Chery,$59.4K$611.9K71
2024President and CEO$981.0K$2.9M71
2024EVPCFO, and$491.0K$1.2M71
2024EVP and CAO$441.0K$1.0M71
2024EVP and CXO$316.0K$507.5K71
2023President and CEO$925.4K$3.0M71
2023Secretary$472.3K$1.2M71
2023EVP and CAO$412.5K$1.1M71

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.17,715,517$913.8M0.0%+1,695,993
Vanguard Portfolio Management LLC6,861,268$353.9M0.0%+147,083
State Street Corp6,552,684$338.0M0.0%+337,471
Vanguard Capital Management LLC5,843,261$301.4M0.0%+36,701
Neuberger Berman Group LLC4,081,530$210.5M0.1%−375,742
Capital Research Global Investors3,660,502$188.8M0.0%−211,008
Geode Capital Management, LLC3,527,043$182.0M0.0%+231,430
Goldman Sachs Group Inc3,067,083$158.2M0.0%+1,136,856
Dimensional Fund Advisors LP2,896,944$149.4M0.0%+47,539
Victory Capital Management Inc2,790,538$143.9M0.1%+179,932
Cooke & Bieler LP2,291,137$118.2M1.4%−568,854
Silvercrest Asset Management Group LLC2,260,872$116.6M0.8%−160,077
Fmr LLC2,243,244$115.7M0.0%+1,075,214
Charles Schwab Investment Management Inc1,792,289$92.4M0.0%+15,072
Northern Trust Corp1,737,080$89.6M0.0%+16,884
Capital International Investors1,563,826$80.7M0.0%−457,857
Morgan Stanley1,478,858$76.3M0.0%+251,467
Citadel Advisors LLC1,444,953$74.5M0.0%+448,171
Channing Capital Management, LLC1,286,957$66.4M1.5%New
Bank Of America Corp /de/1,215,951$62.7M0.0%−65,334
Voya Investment Management LLC1,181,730$61.0M0.1%+76,909
Segall Bryant & Hamill, LLC1,161,003$59.9M0.7%+46,677
Madison Asset Management, LLC1,144,784$59.0M0.7%+214,317
Norges Bank1,084,870$56.0M0.0%New
Vaughan Nelson Investment Management, L.P.1,081,504$55.8M0.5%+338,334

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

4 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jul 21, 2026Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000−19.4%Report
Jan 15, 2026Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000−21.1%Report
Dec 6, 2024Josh GottheimerDemocratic, HousePartial sale$1,001 - $15,000+50.4%Report
Mar 9, 2022Josh GottheimerDemocratic, HousePartial sale$1,001 - $15,000+97.1%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Glacier Bancorp, Inc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARGLACIER BANCORP, INC.2
  • CIK0000868671
  • Employer ID (EIN)81-051954116
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company16
  • Incorporated inMontana16
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address49 Commons Loop, Kalispell, MT 599012
  • Phone406-751-77082
  • Shares outstanding130,211,953 as of Jul 16, 202614
  • Public float$5.1B as of Jun 30, 202516
  • AuditorForvis Mazars, LLP, Denver, Colorado PCAOB ID 686; it also attests to the company’s internal control over financial reporting16
  • On EDGAR sinceFeb 13, 19962
  • Filings1,392 in all: 4 (565), 8-K (290), 10-Q (90), SC 13G/A (65), 4/A (42), DEF 14A (30), 10-K (29), CORRESP (27)2
    All 45 form types

    S-4 (27), EFFECT (23), UPLOAD (23), 3 (20), ARS (18), 5 (17), 424B3 (14), S-4/A (14), 425 (13), S-8 (10), SC 13G (9), POS AM (8), PRE 14A (6), SCHEDULE 13G (6), 144 (4), 424B5 (4), 8-K/A (4), S-3ASR (4), 10-K/A (3), DEFA14A (3), S-8 POS (3), 10-Q/A (2), 3/A (2), FWP (2), S-3 (2), SCHEDULE 13G/A (2), 10-K405 (1), 15-12G (1), 25 (1), 424B1 (1), 424B2 (1), 8-A12B (1), 8-A12G (1), CERT (1), D (1), RW (1), S-3/A (1)

  • Latest filingsAnnual report (10-K) Feb 25, 2026
    Quarterly report (10-Q) Aug 4, 2026
    Proxy statement (DEF 14A) Mar 12, 2026
    Latest 8-K (8-K) Aug 31, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par valueGBCIThe New York Stock Exchange

From the cover page of the 10-K filed Feb 25, 2026 (Section 12(b) of the Exchange Act).16

Risk factors and legal proceedings

The risks Glacier Bancorp, Inc names in Item 1A of its 10-K filed Feb 25, 2026: 29 risks under these headings, as written.16

  • Economy and Our Markets
  • Economic conditions in the market areas the Bank serves may adversely impact its earnings and could increase the credit risk associated with its loan portfolio and the value of its investment portfolio.
  • Competition in the Bank’s market areas may limit future success.
  • We may not be able to continue to grow internally or through acquisitions.
  • Growth through future acquisitions could, in some circumstances, adversely affect profitability or other performance measures.
  • If goodwill recorded in connection with acquisitions becomes impaired, related accounting charges could have an adverse impact on earnings and capital.
  • There can be no assurance we will be able to continue paying dividends on our common stock at recent levels.
  • Credit and Asset Quality
  • The allowance for credit losses may not be adequate to cover actual loan losses, which could adversely affect earnings.
  • The Bank’s loan portfolio mix increases the exposure to credit risks tied to deteriorating conditions.
  • The Bank has a high concentration of loans secured by real estate, so a deterioration in the real estate markets could require material increases in the ACL and adversely affect our business, financial condition, and results of operations.
  • Non-performing assets could increase, which could adversely affect our business, financial condition, and results of operations.
The other 19 risks
  • A decline in the fair value of the Bank’s investment portfolio could adversely affect earnings and capital.
  • The Bank is subject to environmental liability risk associated with our lending activities.
  • We face competition from emerging technologies used to support and enable banking and financial services.
  • Interest Rates, Operations and Risk Management
  • Fluctuating interest rates can adversely affect profitability and shareholders’ equity.
  • Our future performance will depend on our ability to respond timely to technological change.
  • A failure in or breach of the Bank’s operational or security systems, or those of the Bank’s third-party service providers, including as a result of cyberattacks, could disrupt business, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase costs and cause losses.
  • The Company’s business may be materially affected by the emergence of disruptive new technologies or approaches enabled by the rapid pace of innovation unfolding in the AI space.
  • We have various anti-takeover measures that could impede a takeover.
  • Regulatory Matters
  • We operate in a highly regulated environment and changes or increases in, or supervisory enforcement of, banking or other laws and regulations or governmental fiscal or monetary policies could adversely affect us.
  • Increasing regulatory focus on privacy and security issues and expanding laws and regulatory requirements could impact our business models and expose us to increased liability.
  • Non-compliance with the Patriot Act, BSA, or other laws and regulations could result in fines or sanctions and limit our ability to get regulatory approval of acquisitions.
  • Legislative, administrative, and judicial changes to tax laws, regulations, and case law may adversely impact our business and financial performance.
  • General Risk Factors
  • National and international economic and geopolitical conditions could adversely affect our future results of operations or market price of our stock.
  • Significant changes or developments in U.S. laws or policies, and the reactions of the national and global economy to such changes, may have a material adverse effect on our business.
  • Our business is heavily dependent on the services of members of the senior management team.
  • We could suffer operational, reputational and financial harm if we fail to properly anticipate and manage risk.
  • Changes in accounting standards could materially impact our financial statements.
  • Climate impacts may materially adversely affect the Company's business, financial condition, and results of operations.

Legal proceedings

The Company is involved in various claims, legal actions and complaints which arise in the ordinary course of business. In our opinion, all such matters are adequately covered by insurance, are without merit or are of such kind, or involve such amounts, that unfavorable disposition would not have a material adverse effect on our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.16

Sources

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