GLACIER BANCORP, INC.

For the period ended Dec 31, 2025. Filed Feb 25, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 25, 2026

GBCI$49.08+1.9%Stored close · as of Nov 9, 2026

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Contents

Consolidated Statements of Operations

	Years ended
(Dollars in thousands, except share and per share data)	December 31,2025	December 31,2024	December 31,2023
Interest Income
Investment securities	$187,130	195,135	201,930
Residential real estate loans	111,135	89,596	71,328
Commercial loans	900,023	765,959	669,663
Consumer and other loans	97,509	89,160	74,734
Total interest income	1,295,797	1,139,850	1,017,655
Interest Expense
Deposits	274,187	272,734	162,426
Securities sold under agreements to repurchase	57,172	55,723	36,414
Federal Home Loan Bank advances	62,252	72,620	26,910
FRB Bank Term Funding	—	27,097	93,388
Other borrowed funds	1,932	1,297	1,056
Subordinated debentures	11,214	5,747	5,779
Total interest expense	406,757	435,218	325,973
Net Interest Income	889,040	704,632	691,682
Provision for credit losses	71,400	28,306	14,795
Net interest income after provision for credit losses	817,640	676,326	676,887
Non-Interest Income
Service charges and other fees	85,070	78,894	75,157
Miscellaneous loan fees and charges	20,443	18,694	16,935
Gain on sale of loans	18,205	16,855	12,202
Gain on sale of securities	—	30	1,510
Other income	17,667	13,973	12,275
Total non-interest income	141,385	128,446	118,079
Non-Interest Expense
Compensation and employee benefits	393,295	336,906	309,048
Occupancy and equipment	55,617	47,055	43,578
Advertising and promotions	17,767	16,132	15,430
Data processing	42,744	36,887	33,752
Other real estate owned and foreclosed assets	292	217	119
Regulatory assessments and insurance	22,675	24,194	28,712
Intangibles amortization	15,887	12,757	9,731
Other expenses	120,500	104,320	86,988
Total non-interest expense	668,777	578,468	527,358
Income Before Income Taxes	290,248	226,304	267,608
Federal and state income tax expense	51,220	36,160	44,681
Net Income	$239,028	190,144	222,927
Basic earnings per share	$2.00	1.68	2.01
Diluted earnings per share	$1.99	1.68	2.01
Dividends declared per share	$1.32	1.32	1.32
Average outstanding shares - basic	119,753,227	113,170,157	110,864,501
Average outstanding shares - diluted	119,935,056	113,243,427	110,890,447

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.