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Glacier Bancorp
Glacier Bancorp (GBCI) investor relations material
Glacier Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Completed major acquisitions of Bank of Idaho and Guaranty Bank & Trust (Guaranty Bancshares), expanding into Idaho and Texas and marking the largest acquisition year with $4.7 billion in assets added.
Integration of Bank of Idaho completed; Guaranty Bank & Trust conversion scheduled for February, with smooth progress and immediate contribution to production.
Achieved net income of $239 million for 2025, up 26% year-over-year, with diluted EPS of $1.99, up 18%.
Delivered double-digit loan and deposit growth, robust margin expansion, and maintained strong credit quality.
Financial highlights
Total assets reached a record $32 billion at year-end 2025, up from over $30 billion in the prior quarter.
Net income for Q4 2025 was $63.8 million, including $36 million in acquisition-related expenses.
Net interest income for 2025 increased 26% to $889 million; Q4 net interest income was $266 million, up 18% sequentially.
Loan portfolio grew 21% year-over-year to $21 billion; deposits increased 20% to $24.6 billion.
Efficiency ratio improved to 61.04% in Q4 2025 and 62.50% for 2025.
Outlook and guidance
Expecting low- to mid-single digit organic loan growth for 2026, with potential upside from a record pipeline.
Net interest margin projected to reach 4% in the second half of 2026, not dependent on Fed rate cuts.
Core non-interest expense guidance for Q1 2026 is $189–$193 million, with full-year core operating expense expected between $750 million and $766 million.
Efficiency ratio targeted to improve to 54–55% by year-end.
Management remains focused on disciplined growth, service excellence, and long-term shareholder value.
What was the Q4 net income impact from acquisitions?
Q4 organic loan growth vs total loan growth
Explain rising delinquencies vs. "excellent credit quality"
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Next Glacier Bancorp earnings date
Q1 202624 Apr, 2026
Glacier Bancorp
Next Glacier Bancorp earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Glacier Bancorp, Inc., a bank holding company, engages in the provision of commercial banking products and services to small to medium sized businesses, individuals, community organizations, churches, public entities, and governmental entities in the United States. Its deposit products include noninterest-bearing demand deposits and interest-bearing transaction accounts. The company's loan portfolio comprises commercial loans and construction loans.
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