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Glacier Bancorp (GBCI) investor relations material
Glacier Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $52.8M, up 18% year-over-year but down 3% sequentially; diluted EPS was $0.45, up 15% year-over-year but down 6% sequentially.
Q2 results included $19.9M in acquisition and credit loss expenses, with $16.7M related to the Bank of Idaho (BOID) acquisition.
Completed BOID acquisition, adding $1.4B in assets and $1.08B in deposits; announced Guaranty Bancshares acquisition ($3.1B in assets), expected to close Q4 2025, expanding into Texas.
Loan portfolio grew 8% sequentially and 10% year-over-year to $18.5B; deposits reached $21.6B, up 5% quarter-over-quarter and 8% year-over-year.
Non-interest bearing deposits increased 8% quarter-over-quarter, representing 30% of total deposits.
Financial highlights
Net interest income for Q2 was $208M, up 9% sequentially and 25% year-over-year, driven by higher loan balances and improved yields.
Non-interest income for Q2 was $32.9M, up 2% year-over-year; efficiency ratio improved to 62.08% from 65.49% in Q1 and 67.97% a year ago.
Non-interest expense for Q2 was $155M, up 10% year-over-year, mainly due to higher compensation and acquisition costs.
Provision for credit losses for Q2 was $20.3M, with $16.7M related to BOID; net charge-offs were $1.6M.
For H1 2025, net income was $107M, up 39% year-over-year; net interest income was $398M, up 19%.
Outlook and guidance
Expect continued net interest margin growth of 15–17 basis points per quarter in Q3 and Q4, with Guaranty Bancshares adding 6–7 basis points post-close.
Core non-interest expense guidance for Q3 is $159M–$161M and for Q4 is $161M–$163M, with an additional $14M if Guaranty closes by October 31.
Loan growth expected to remain in the low to mid-single digits for the full year.
Margin growth expected to persist through 2026, with potential to return to pre-pandemic levels by end of next year.
Management continues to monitor macroeconomic and geopolitical risks, including inflation, interest rates, and regulatory changes.
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