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Glacier Bancorp (GBCI) investor relations material

Glacier Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary17 Oct, 2025

Executive summary

  • Net income for Q3 2025 was $67.9 million, up 29% sequentially and 33% year-over-year, with diluted EPS of $0.57, a 27% increase from both the prior quarter and prior year.

  • Completed Bank of Idaho core conversion and closed Guaranty Bank and Trust acquisition, expanding into Texas and adding $3.1 billion in assets.

  • Maintained focus on integration, employee and customer satisfaction, and future M&A opportunities in Texas and the Mountain West.

  • Net interest income reached $225 million, up 9% sequentially and 25% year-over-year.

Financial highlights

  • Year-to-date net income was $175 million, up 36% from the prior year.

  • Net interest margin for Q3 was 3.39%, up 18 bps sequentially and 56 bps year-over-year.

  • Total deposits at Q3 end were $21.87 billion, up $242 million from the prior quarter and $1.32 billion from year-end.

  • Loan portfolio at Q3 end was $18.79 billion, up $258 million from the prior quarter and $1.53 billion year-to-date.

  • Efficiency ratio improved to 62.05% in Q3 from 62.08% in Q2 and 64.92% a year ago.

Outlook and guidance

  • Expecting additional 18-20 bps margin growth in Q4, with pace of increase moderating in 2026.

  • Fourth quarter core non-interest expense projected at $185-$189 million, reflecting full-quarter impact of Guaranty Bank and Trust.

  • Anticipate 20% reduction in non-interest expense from Guaranty integration, with half realized in 2026 and the remainder in 2027.

  • Tax rate for Q4 expected to remain elevated due to merger-related non-deductible expenses.

  • Management expects continued favorable trends, with focus on integration of recent acquisitions and Texas expansion.

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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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