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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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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.Q2 2025 earnings summary25 Jul, 2025
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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Next Glacier Bancorp earnings date
Q3 202517 Oct, 2025
Next Glacier Bancorp earnings date
Q3 202517 Oct, 2025
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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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