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Glacier Bank
Kalispell, MT·FDIC Cert #30788·Charter: STATE·Est. 19550715.0·HC: GLACIER BCORP INC
Total Assets
$32.0B
Q4 2025
Return on Assets
0.90%
+0.01%Peer avg: 1.11%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.10%
Peer avg: 52.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.90%+0.01
ROE
7.34%-0.06
Efficiency
61.10%-0.88
Equity/Assets
0.00%+0.00
NPL Ratio
0.33%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.58%-0.75
Charge-offs
0.07%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.6 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 |
| ROE | 4.8 | 5.4 | 5.9 | 6.4 | 7.3 | 7.0 | 7.4 | 7.3 |
| Efficiency | 73.7 | 70.9 | 68.6 | 66.4 | 64.7 | 62.6 | 62.0 | 61.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 80.5 | 82.4 | 81.5 | 82.5 | 81.9 | 84.2 | 84.3 | 83.6 |
Balance Sheet
Total Assets$32.0B
Total Deposits$24.8B
Total Loans$20.7B
Total Equity$4.2B
Profitability
ROA0.90%
ROE7.34%
Efficiency Ratio61.10%
Net Income$261.4M
Risk & Asset Quality
NPL Ratio0.33%
Charge-off Rate0.07%
Loan/Deposit83.58%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans